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maxibon

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  1. Defence received 31/03/07. I would appreciate anyone running an eye over this to see if they could provide me with some scathing comebacks! I know what to say in relation to some of the points made but would like assistance as its very 'jargony'.... Hope everyone elses cases are going well.. Here is the link for a copy of Cobbetts so called Defence if anyone can take the time to look for me http://s35.photobucket.com/albums/d182/nicolw/Defence/ Any advice and assistance greatly appreciated.
  2. Now had a defence submitted on the last day possible ( 30/03/07) too again by cobbetts! In the meantime they told me in a letter that They intend to defend against my 16% interest claim and that in light of this I should provide them with a revised schedule of charges at 8% I have told them no way I am carrying on as I originally intended. Waiting for AQ and a copy of their so called 'defence' now.!
  3. Oh well As per usual Cobetts submitted acknowledgement of claim on last day possible giving them another 14 days. It does half wind me up that That they drag this out. It will be costing them more money to hire solicitors etc....Why bother when they know they are going to pay up!! I think they should be clamped down on by the judges and soon....They will not defend in court so dont bother even pretending you will. It annoys me!
  4. Well I filed my claim at court on The 01/03/07, It is deemed served on the 03/03/07 and they have untill the 19/03/07 to reply I have checked today and no acknowledgement or defense submitted. Officially they should reply by tomorrow but the court has given them till Monday as they arent open on a weekend. If they still dont submit and I apply for judgement how long does this take and do I literally go into the branch and demand the money! Not sure how it works from here? Thanks people for your support x:)
  5. Offer received of £4100 but my claim is for over £5000 so I am going to call them today and then file N1 in court tmoz to make sure I get it all back! Been gracious so far in giving them extra time!
  6. Its not my account number its just the one showing in the 'template letter' already.
  7. Good luck to you too! I just had an offer of over £4000 but continuing on to claim £1500 more via court ( even though it wont end up there!!) Great fun and SOOO much you can learn on this site. P.S Why cant I update my Sig?? No in USER CP for some reason?!?!
  8. Hi Blue, I wouldnt accept the 20% they are offering as they CAN and WILL go lower. If you call them and say you can definatley pay it in 7 days they will keep knocking it down as they want you to pay so the person on the other side of the phone can receive it 'on their figures' ( i.e get bonus!) If you have the funds call and ask for a full and final and keep saying that you want it cheaper. They can usually go as low as 40% off sometimes more. They will start off high of course in the hope you just accept it but keep haggling!!! Good luck and if need be speak to a manager as they are the ones that normally agree larger discounts...
  9. Hi..Yes I did send the below letter along with £1 postal order and sent recorded delivery. They sent me the letter first saying they want £10 and returned my postal order. I sent this: So best to leave it as I have at least tried to do this?, Plus I did say to the guy on the phone that he was wrong and that I will class this as non compliance with my request. Oh well appears they have hung themselves then! Thanks for the reply.
  10. I have sent off 2 CCA requests to Barclaycard for my account and my boyfriends as we dont believe they can provide the original copies. We received a letter in reply for my boyfriends account stating they want £10 and this is the minimum fee for any SAR? Problem being I have not requested SAR I have asked for the Original Credit agreement copy. I called them with my boyfriends authority and spoke to a chap there who said ' You have to pay £10 for this information:eek: ' I confirmed that I was not asking for SAR and that it states only a fee of £1 is payable for a CCA. He said ' tough you have to pay £10' I told him we dont and that they have received my letter and that I will class this as non compliance. He said ' okay and we will just proceed with legal action at our end'. I didnt bother arguing with him to say he couldnt as the account is now in dispute as he wouldnt understand!! Any one had simalar experience or thoughts on this? I understand they have to comply within 40 days and the debt then becomes unenforceable so shall I just leave it at that. The fact that I have tried should be enough or should I resend it to them( me thinks not but opinions appreciated) Thanks all!!
  11. I understand what you are saying but my point is that I have tried to obtain evidence and RBS have not provided this so all I have to work on is most recent statements ( about 5 months). Also wanted to ask how I go about claiming for them NOT providing my statements within the 40 days. I know I have to register a complaint with the OFT but I am sure there was another option rather than adding to the OFTs backlog... Thanks
  12. Hi Guys, I am currently in the process of proceeding with a claim via courts for a joint account but also have a sole account I had requested DPA details on. They have responded to the joint one but have not sent statements for the sole one despite the intial letter and 2 follow up phone calls to kindly remind them! 8) I am sure I saw somewhere then I can now proceed with an estimate claim based on what statements I DO have.... Can someone please confirm this and also what I need to do/state in order to report them for not complying with the DPA request? Help appreciated.
  13. Well I was told today they wont respond till the 09/02/07 despite the fact that their 14 day LBA runs out this Friday 03/02 so I told them I will be taking to court. Tough titty for them really! I am also going to mention in my N1 about the Data Protection Act breach that occurred and they Still havent responded to! I have just come out of work so I at least don't have to fork out £250 for the priviledge! I have added to my costs the time spent typing letters and calculating bank charges to a total of £69. Anyone had luck with this as yet ?
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