What Sheila fails to mention is that I came back as Andy Lochead, right at the end of the thread (Ian Olney & Andy Lochead are both ex-Aston Villa players) I just popped back to tell all the idiots on CAG that I was right all along and they were wrong. Now here we are, all those years later and exactly the same thing is panning out on another forum. Just like old times eh?
Would appear that the above is another false claim.
Cagger since : Dec 2012
Posts : 3,693 (2.54 post per day)
Default Re: Original Credit Agreement
Hardly worth a comment. It seems your defence included information that you had not previously mentioned such as a little thing called no agreement.
Delude yourself if you want Ian. It is mot the rubbish you have stated that has saved you it is probably the lack of agreement and commercially not worthwhile.
As they did not have a copy of the agreement and that the debt related to Abbey (which became Santander in 2010), it is more than likely the debt dates back, to before Carey v HSBC and the lack of an agreement is the real reason enforcement didn't take place. -
Not for any of the nonsense claims you have and continue to make all without any supporting evidence whatsoever.
*Edited to add the below
viewtopic.php?f=52&t=10297&p=237979&hil ... al#p237979
In around 2005 or 2006, I had a dispute with Abbey National over the interest on 500 odd pounds on a credit card. They told me that as I was a new customer (to the credit card side of things), that I would have to wait 12 months until they would discus things with me-They said they didn't discus issues with new customers. It was the straw that broke the camels back. I took out a large loan with them, hiked up the credit card to the maximum and opened a new bank account with Halifax, driving my Abbey account into a 2k overdraft. I then told them to come back in 12 months and I would talk to them then.
So it was pre CCA 2006 and before Carey - so the real reason that enforcement didn't take place was because they did not have your agreement. Nothing to do with what you refer to as trading of agreements or the DPA after all.