Dreaming:Oh my, that's pretty bad then. I would have thought that without proof of consent it would be inevitable that they would be able to leave the data on the file... but what I ''think'' is hardly the issue, lol. Are there any cases where people have managed to repair their credit after all this? Not that it changes ...

I've re-read all my documentation and the only place anything is mentioned is on the application form under the heading Data Protection Act, which starts "Tesco Personal Finance Ltd ('TPF') is a joint venture between Tesco plc and The Royal Bank of Scotland plc." in very small print. I still think I need written proof I ...

huckster: I think the loan agreement would have made it clear that that TPF was a joint venture between Tesco and RBS. Whether the terms of the agreement render it unecessary for any re-assignment of the debt to be notified I am not sure. You would have to study your agreement carefully to see whether this is another avenue that could be ...

huckster: Hi I think the loans Tesco made were under the Tesco Personal Finance guise, which at the time was a joint venture between Tesco and RBS. Tesco has since bought out RBS from this joint arrangement. Perhaps they are too busy arguing about who owns the debts to be bothered about chasing them. I don't think the divorce was very ...

Brooooooooooce:How does this sit with existing cases like Mitchell v HBOS where the Judge made clear the distinction between 'contained' and 'embodied'? Mitchell v HBOS was a County Court judgement and as such does not set precedent. It can be cited in proceedings as guidance but can be overruled even in another County ...

BREWERDAVE1:EagleUK - Try looking at the date of the thread before replying!! Eagle's reply may be a little late, but it's easy to do. However I think his/her post is informative and useful notheless.

Brooooooooooce:Presumably these test cases won't have any impact on cases where there is proven unenforceability by virtue of non compliance with s.61? Without knowing what test cases have been referred to the High Court it is difficult to know what the impact on any of the legislation will be. Obviously there are a lot of grey areas ...

huckster: Basa The important word here was 'preliminary'. I have a feeling the judge who saw you knows that the cases will not be heard until January I would have thought. That is if the cases are heard at all. I would not be surprised if there was some internal pressure for the cases to be derailed, if they can do this. Pure ...

Your letter looks good except you should obviously remove references to non reciept of SAR. These application / agreements are a bit tricky. Most times they claim the prescribed terms were on the reverse of the application. (Most times this is a lie). I have two agreements exactly like that. The law requires under the CPR that originals ...

Brooooooooooce: Pink & blue jobs. Pink & blue! So you've been at this 8 months (or possibly longer?). Have any of your creditors agreed to full & final offers? I've never actually made any F&F offers, just requests to enter into 'meaningful and reasonable' correspondence to resolve the disputes. No take ...