Jump to content


  • Tweets

  • Posts

    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

DCA CCJ - old Lloyds Credit Card - CCJ Set Aside


TheDude1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4354 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

It is very difficult to tell whether or not it would have been :(

 

Did you make any attempt to defend this ?

 

LTSB were pretty poor in respect of Default Notices, pre action protocol, etc.. so you might have had a chance.. you would need to tell us more.

 

What was the amount of the claim ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Replies 144
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

which of your other threads is this linked too please

 

save people wasting their time chasing someone's tail

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi mate, it's a long story, I have been a member here for a while!

 

Just a summary:

Lloyds CC - Credit Limit £1750.

Stopped paying them.

Judgment entered against me near enough £3000 - 3-4 years after terminating payments to Lloyds.

Claimant got a AoE on me.

Applied for set-aside on grounds of non-receipt of documentation, unable to submit defence.

Judge called me a liar (in so many words) and denied the SA. Awarded costs (£120) to the Claimant.

Judgment now stands at £3200 +

Edited by TheDude1
Link to post
Share on other sites

which of your other threads is this linked too please

 

save people wasting their time chasing someone's tail

 

dx

 

Ok, there were FOUR threads on this issue - they have now been merged.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 3 weeks later...

Hi,

I've had my SAR for a week or so and I just noticed 1 missing statement at the end...

 

April 2008 - Statement - Last payment ever made - Payment received - Thank you

May 2008 - Missing Statement

June 2008 - Statement - Balance from previous statement / interest charged

July 2008 - Statement - Balance from previous statement, charge off account, refund of interest

August 2008 - Responsibility for this account passed to Credit Operations Department.

 

I had a letter with SAR, stating "The statement for may 2008 is not available on our system".

 

I just wondered why it is missing when 2 more statements followed after.

Link to post
Share on other sites

  • 1 month later...

Hi

 

I've added everything up from all statements.... is something wrong here or have I missed something?

 

Total Purchases Made:

£2545.44

 

Total Charges:

£297.50 (late fees etc)

 

TOTAL £2842.94

 

Total Interest Charged:

£933.05

 

The card was on different interest rates:

monthly 1.385 - APR 17.9%

monthly 1.527 - APR 19.9%

monthly 2.210 - APR 30.0%

 

When I calculate the percentage of "2842.94" to get "933.05", the percentage is 32.82%... Which is a rather high percentage. So overall for my purchases I have been charged 32.82% on top.

 

I've not seen any claims regarding over-calculated interest, so I'm probably wrong here but thought it was worth a post.

Edited by TheDude1
Link to post
Share on other sites

Did you calculate the interest from when the account was opened + compound the interest charges?

 

Hi, I just added it all up from the statements (manually) and did the calculations from the results.

Tomorrow I will use that very good spreadsheet (CISheet v101.xls)

 

I posted this thread with regards to the interest they charged me on my purchases, as according to my calculations sometimes I nail the fiquire bang on but other calculations are coming up short... I estimate that they have over-calculated the interest by roughly £80, but I've not seen anyone bring this up on cag.

 

I've not seen a claim against mis-calculation of interest, though I did read an article earlier where the author estimates billions of £'s have been reaped by the banks via over-calculation of interest.

 

Cheers

Edited by TheDude1
Link to post
Share on other sites

Hi, thanks for the help!

 

I still can't get the fiquire they have achieved. :???:

 

Statement Balance (inc interest)

=£1,708.73

 

Actual PURCHASES (not inc interest)

=1453.13

 

Statement Interest Charged

=237.92

 

Compound Interest

=17.68

 

TOTAL INTEREST CHARGED

=255.60

 

Having tried a few combinations, the closest I can get to the interest charged is this:

1453.13 minus 17.68 = 1435.45

17.9% of 1435.45 = 256.94

 

I have a headache now! :jaw:

Link to post
Share on other sites

You will have to analyse this month by month rather than adding up the total for the account.

 

Also remember that interest is charged on interest and that interest is charged on late payment fees and over limit fees.

 

Also remember that credit cards have interest charges applied with relevance to a charging period and from the date purchases were made.

 

You'll also need to know which items are paid off first when you make a payment to the account

 

You'll have a lot of work to do on this exercise.

 

ims

 

Link to post
Share on other sites

Hi ims, thanks for dropping by! :-)

Thanks for the info,

 

Yeah, I already spent 4 hours inputting it all into the spreadsheet!

 

Alot more complicated than I thought and I don't think I have the brain capacity to carry on!

I very much doubt they miscalculated it, so I'll let it drop.

 

Thanks again for your time

Link to post
Share on other sites

  • 2 weeks later...

Hi,

Wondering if anyone can shed any light on this,

 

Where does the law stand on digital signatures on a direct debit form?

 

Basically a DCA are requesting "A hand written signature" or "original signature" for the "Banking process".

 

My question is: Will the bank NOT accept digital signatures on DD forms?

Or are they just pursuant on gaining a copy of my hand-written signature?

 

Thanks

Link to post
Share on other sites

Before you start handing over your hard earned cash to a DCA.

 

Can you please shed some more light on the debt in question including dates etc.

 

As to a Direct Debit, NEVER pay a DCA by Direct Debit, only pay by Standing Order, that way you are in complete control and no-one can then abuse the DD process and empty your Bank Account.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Standing order only, then you have

total control, you instruct your

bank what you want to pay and

when and the DCA does not get

a copy of your signature and cannot

chamge the amount.

No doubt they will throw their toys

out of the pram, but you are in charge

of what you pay not them!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi guys, thanks!

Debt cannot be disputed (CCJ), the court has ordered X amount per month through a suspended AoE.

 

So where do I stand?

Am I in the right to deny payments through Direct Debit and request standing order only?

Thanks

Link to post
Share on other sites

Yes it's still your money, let them

send you a DD mandate, use the banking

details thereon and set up the SO job done.

The court has not made an order on the method

of payment only the amount and frequency.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • dx100uk changed the title to DCA CCJ - old Lloyds Credit Card - CCJ Set Aside
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...