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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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Thread: Its a start!

  1. #1
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    emmaphill Novitiate

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    Default Its a start!

    Hi all

    I have got the ball started with Capital Oneicon submitted my DPA reuest and within a few days recieved a letter back from them saying that they are working on the information requested and it will be forwarded soon! So its a start!

    My account has been passed to DCAicon (who wont give up) even though the whole balance is made up of charges. will be interesting to know final amount! Anyway will keep you posted when i receive my info!

    actually how long have they taken to supply other people with their information? out of interesticon!

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  2. #2
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    sportbeth Novitiate

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    Default Re: Its a start!

    Mine came within about 4 weeks. If you want, just write to the DCA and tell them that the debt is in dispute with the lender and any attempt to collect it on their part will be in breack of the OFT debt collectionicon Guidance and will be reported to the OFT

    Woolwich - £821 refunded on dispute 2004
    Cap One - MCOL filed 25/7/06 £521.95

  3. #3
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    emmaphill Novitiate

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    Default Re: Its a start!

    Thanks i will do that tonight and may just talk to the happy chappies if they phone tonight and inform them also - they are a mare in the highest order. Pursuing debt for £300 but i know my charges are double that so i am pursuing this all the way!

    will keep you updated!


  4. #4
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    emmaphill Novitiate

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    Default Re: Its a start!

    Well the 40 days are up a week today and so far i have received no information only a letter stating they are on their way. Is anyone else receiving anything?

    Have no idea what amount the charges could come to - what next?


  5. #5
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    kirky Novitiate kirky's Avatar

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    Default Re: Its a start!

    If no joy from original letter, send a non-compliance one...in the templates libraryicon.......if still nothing, the court can enforce it - but that's another step. See if the non-compliance works first. Let's face it, they are extremely busy!

    Capital One - SETTLED IN FULL £670.00 - 27.07.06

    Halifax Bank - SETTLED IN FULL £307.00 - 04.08.06

    Medinland
    Data Protection Act letter sent 20.06.06
    Moneyclaim started 24.07.06 (£735)
    Defence submitted 02.08.06
    My response submitted 07.08.06
    Their response submitted 10.08.06
    Hearing date: 19.12.06 watch this space!
    I WON!!!

  6. #6
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    Default Re: Its a start!

    already sent earlier this week o hopefully something will come of it. Have no idea what they owe as cant find any statements - typical!


  7. #7
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    emmaphill Novitiate

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    Default Re: Its a start!

    Well first claim letter sent to Capital Oneicon yesterday for £380. They sent all information on account saturday what a pack it was all computer print outs etc but not being deterred am pressing on!


  8. #8
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    emmaphill Novitiate

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    Default Re: Its a start!

    Update: lbaicon served been offered £152 in Full and final which i accepted as a partial settlement only. Court action starts next week if no reply! One interesting point DCAicon contacted me to state that cap oneicon had taken account back in house - positive? I am hoping so!


  9. #9
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    peterdunn2003 Novitiate

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    Default Re: Its a start!

    Good luck,
    I got my statements back after 5 weeks, I have just finished checking the throug and found One statement sheet missing..... This is now a non compliance issue

    Peter


  10. #10
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    emmaphill Novitiate

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    Default Re: Its a start!

    I have won! They have agreed to pay full amount of £520 as a good will gesture so great news! However, they are refusing to remove default - any ideas anyone? My default balance was £320 so well below my refund!

    donationicon will be made on receipt of funds!


  11. #11
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    emmaphill Novitiate

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    Default Re: Its a start!

    One thing just hit me - if i sign the form they sent it says no further action will be taken by myself. Does this mean i walk away from having the default removed?


  12. #12
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    emmaphill Novitiate

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    Default Re: Its a start!

    Just waiting for cheque to clear and donationicon will be on its way!

    One thing - can i start a new claim for removal of deafult?



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