Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. 4th September 2007 14:45 #1
    debt_mountain debt_mountain is offline
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    Default Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    Now that the bank charges are all resolved I am now taking BOSicon to court for reporting my personal information with the CRAs without my permission.

    They are reporting 4 accounts, 1 is allegedly sold to Cabot and the other 3 were all cleared some years ago.

    Cabot are already in court for what they are sharing so I thought it only correct I go for the original creditor too.

    Claiming damages andt cost to check my credit file every month since I asked them to stop and the removal of all information as they don't have any agreements. I have asked for them and they have supplied 2 application forms and 2 agreements but no T/C.

    I am also using the "the contract has ended" arguement as they have continued to share my data but there is no law allowing them to do so in pertuity.

    Should have been served today but will need to wait for the notice from the court.

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    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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  2. 4th September 2007 16:00 #2
    overflow overflow is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    HI DM

    Sorry to hear your having so much trouble. Hope you get it all sorted out soon, your right they dont have the right to do this to you.

    Good Luck.

    Regards

    30-12-2006--Requested statements from Local Halifax.
    02-02-2007--Statements Recieved.
    18-04-2007--Prelim sent.
    20-04-2007--Reply , Thanks , give us 8wks letter.
    02-0502007--Sent L.B.A. & Schedule of Charges
    11-05-2007--Recieved reply ,still investigating.
    17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.
    14-06-2007--Received standard Bog Off letter.
    13-06-2007--Took N1 to Local Courts.
    26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007
    Have till 09-07-2007 to file Defence.
    05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.
    Have 28 days from date of Service to File Defence.
    07-07-2007--Offer from Halifax.
    09-07-2007--Rejection letter sent to Halifax. Next day delivery.
    10-07-2007--Money put in Account
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  3. 4th September 2007 16:18 #3
    debt_mountain debt_mountain is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    Quote Originally Posted by overflow View Post
    HI DM

    Sorry to hear your having so much trouble. Hope you get it all sorted out soon, your right they dont have the right to do this to you.

    Good Luck.

    Regards

    I don't see this so much as trouble, I see this as sport. They have already done all the damage they can it can only get better from here. I have had loads of charges back that are far more than the defaulted amounts added together.

    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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  4. 4th September 2007 17:19 #4
    overflow overflow is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    Hi DM.

    Well good for you .
    Thats the spirit, you sound so positive .
    Glad to see they cant intimidate you.

    Regards.

    30-12-2006--Requested statements from Local Halifax.
    02-02-2007--Statements Recieved.
    18-04-2007--Prelim sent.
    20-04-2007--Reply , Thanks , give us 8wks letter.
    02-0502007--Sent L.B.A. & Schedule of Charges
    11-05-2007--Recieved reply ,still investigating.
    17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.
    14-06-2007--Received standard Bog Off letter.
    13-06-2007--Took N1 to Local Courts.
    26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007
    Have till 09-07-2007 to file Defence.
    05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.
    Have 28 days from date of Service to File Defence.
    07-07-2007--Offer from Halifax.
    09-07-2007--Rejection letter sent to Halifax. Next day delivery.
    10-07-2007--Money put in Account
    Reply With Quote Reply With Quote
  5. 6th September 2007 08:53 #5
    debt_mountain debt_mountain is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    N1 is now served and they currently have until 20 Sept to acknowledge/defend/stop sharing.

    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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  6. 6th September 2007 09:14 #6
    sea-sidelady sea-sidelady is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    So now its back to the waiting..

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  7. 17th September 2007 13:34 #7
    debt_mountain debt_mountain is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    They have now acknowledged the claim so have until the 4th Oct to file a defenceicon.

    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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  8. 17th September 2007 14:39 #8
    overflow overflow is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    HI DM.

    Just makes me wonder if they will file defence as with a lot of people they have said they were going to but havent, mine included.

    Dont forget if they dont, go straight for a Judgement by Default . dont allow them anymore time than they have already had.

    Good Luck keep us updated.

    Regards

    30-12-2006--Requested statements from Local Halifax.
    02-02-2007--Statements Recieved.
    18-04-2007--Prelim sent.
    20-04-2007--Reply , Thanks , give us 8wks letter.
    02-0502007--Sent L.B.A. & Schedule of Charges
    11-05-2007--Recieved reply ,still investigating.
    17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.
    14-06-2007--Received standard Bog Off letter.
    13-06-2007--Took N1 to Local Courts.
    26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007
    Have till 09-07-2007 to file Defence.
    05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.
    Have 28 days from date of Service to File Defence.
    07-07-2007--Offer from Halifax.
    09-07-2007--Rejection letter sent to Halifax. Next day delivery.
    10-07-2007--Money put in Account
    Reply With Quote Reply With Quote
  9. 3rd October 2007 07:36 #9
    debt_mountain debt_mountain is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    my mistake it was only til the 2nd Oct to file a defenceicon and nothing in the post, so I will call the court to check if they got anything and if not its of to complete the judgement form.

    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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  10. 3rd October 2007 09:58 #10
    debt_mountain debt_mountain is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    Nothing with the court, request for judgement entered.

    Lets see if they grovel to the court or just fold and payup and remove all defaults.

    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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  11. 15th January 2008 13:05 #11
    debt_mountain debt_mountain is offline
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    Default Re: Debt_Mountain vs Bank Of Scotland - Sharing my personal information.

    in court tomorrow with them but they have faxed me a full settlement including £350 + removal of info. We have faxed the court asking for a further 30 days while they execute the settlement.

    If I have helped click my scales....

    Find my threads by [URL="http://www.consumeractiongroup.co.uk/forum/search.php?do=process&showposts=0&starteronly=1&exactname=1&searchuser=debt_mountain"]clicking here [/URL]
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