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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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Bank Charges For Unpaid Cheque- Help!!


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Hi. I recently received a cheque and deposited it in my bank account last Wednesday (20/09/06) for £12, for a game i sold on Ebay. But then today (25/09/06) i read on my online statement that the cheque was unpaid and i had been charged £12 because of this. i phoned Lloyds TSB and they said that they would try clearing the cheque again, but if it fails to clear again, they would charge another £12. so from having £12 paid into my account, i will probably be £24 down. i know that they may seem relatively small amounts, but i am still being charged for another persons problems. i have emailed the person who sent me the cheque to tell them that i want back any charges i have been forced to pay, but the chance of me being paid back is little to none. is there a way i can get my bank to give me my money back? help would be very much appreciated. thanks

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Probably the best approach would be to send them an adapted Preliminary letter found here. The reason I'm suggesting this approach is because you say you have already tried to phone them about it but they have said they will still charge you. If it was me I'd adapt the prelim to this specific circumstance so that it still includes all of the technical knowledge of bank charges being unlawful, but also explains that this is a charge incurred at the fault of somebody else.

 

If they don't pay up then proceed with a Letter Before Action. I'd imagine for this small amount they would end up paying it back before any kind of court action needs to be instigated - but you never know.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

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