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)



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

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 10th November 2008 10:13 #221
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    Default Re: Emma Vs Halifax **WON**

    Time to ring my local halifaxicon AGAIN!

    I had flu last week so everything went on hold, but I'll be back to my "pitbull without the lipstick" attitude again today!

    Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
    Thames Credit -statute barred sent 13/11/08
    BCW- prove debt letter- 14/08/08
    Apex- CCA 14/08/08
    Redcats UK- SAR 14/04/09
    Call Serve- CCA 14/08/08
    Littlewoods- no CCA letter 03/09/08- Lowells now
    Wescot- CCA 19/9/08
    Capital One/Debitas- now with Lowells

    Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
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  2. 10th November 2008 11:21 #222
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    Default Re: Emma Vs Halifax **WON**

    Well that was the most useless phone callicon in history. I finally got hold of my case reference for the halifaxicon and a number to call from my branch (nice people).

    I then got to speak to a useless person at Customer Relations who told me my claim was being assessed still. She didn't know how long it would take. She didn't know what the backlog was. She couldn't tell me anything. And she wouldn't pass me on to anyone else who might know something, as she was a customer relations manager and knew everything.

    I cannot express how angry she made me. Thye are lucky I don't live near Halifax as I would be standing outside their office, kicking a bollard and shouting now.

    Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
    Thames Credit -statute barred sent 13/11/08
    BCW- prove debt letter- 14/08/08
    Apex- CCA 14/08/08
    Redcats UK- SAR 14/04/09
    Call Serve- CCA 14/08/08
    Littlewoods- no CCA letter 03/09/08- Lowells now
    Wescot- CCA 19/9/08
    Capital One/Debitas- now with Lowells

    Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
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  3. 6th December 2008 19:57 #223
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    Default Re: Emma Vs Halifax **WON**

    Still nowt from the halifaxicon- I did enquire if they were waiting for me to die of old age!

    As I didn't send in letters showing I was being evicted or taked to court, they told me I am not a priority. No I'm just a disabled person trying to get by on Income Support- I can afford to wait apparently.

    They are making me so angry every time I ring as they couldn't care less and I don't know what to do. They say the payments are "goodwill" and they have no obligation- I said "So you aren't following the orders of the FSA?"- Stupid idiot said "NO"!

    Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
    Thames Credit -statute barred sent 13/11/08
    BCW- prove debt letter- 14/08/08
    Apex- CCA 14/08/08
    Redcats UK- SAR 14/04/09
    Call Serve- CCA 14/08/08
    Littlewoods- no CCA letter 03/09/08- Lowells now
    Wescot- CCA 19/9/08
    Capital One/Debitas- now with Lowells

    Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
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  4. 3rd January 2009 15:23 #224
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    Default Re: Emma Vs Halifax **WON**

    Just before Christmas I finally got a letter from the Halfax, asking me to justify my figures on the I&E!!!!

    These are the same figures given to the Natwesticon in September and accepted by them. I asked how would they like me to justify them- shop receipts?

    I have now rung twice- both times the person I spoke to apologised for the letter/delay/general behaviour of the halifaxicon. I swear they are just delaying tactics- if they keep going long enough they don't have to let go of any cash.

    Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
    Thames Credit -statute barred sent 13/11/08
    BCW- prove debt letter- 14/08/08
    Apex- CCA 14/08/08
    Redcats UK- SAR 14/04/09
    Call Serve- CCA 14/08/08
    Littlewoods- no CCA letter 03/09/08- Lowells now
    Wescot- CCA 19/9/08
    Capital One/Debitas- now with Lowells

    Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
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  5. 9th January 2009 14:31 #225
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    Default Re: Emma Vs Halifax **WON**

    Well I received a new letter today- well no. Some bright spark at the halifaxicon has just cut and pasted. Well they cut off the end of the previous letter, pasted their name on it and sent it out with a new financial statement!

    So this made me angry so I phoned them up (again) and after being on hold for 20 minutes I got an answer.

    The Halifax will not being paying me anything because me account is CLOSED.

    Now I have spoken to the fosicon, though as my charges are over six years old I doubt they can help (but I will try anyway).

    Not a good day!

    Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!
    Thames Credit -statute barred sent 13/11/08
    BCW- prove debt letter- 14/08/08
    Apex- CCA 14/08/08
    Redcats UK- SAR 14/04/09
    Call Serve- CCA 14/08/08
    Littlewoods- no CCA letter 03/09/08- Lowells now
    Wescot- CCA 19/9/08
    Capital One/Debitas- now with Lowells

    Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .
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  6. 9th January 2009 21:03 #226
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    Default Re: Emma Vs Halifax **WON**

    Are the charges within 6 yearsicon of the beginning of the claim as your first post on this was in 2006?

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  7. 21st October 2009 09:49 #227
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    Default Re: Emma Vs Halifax **WON**

    Hi All,

    I'm at the stage where I've issued a warrant to HBOSicon relating to charges on my halifaxicon account. I've had a letter from the court. The letter states "we are unable to register a judgement against two limited compaines. Please advise whetehr registration relates to:

    a. Limited Company, trading as a firm
    b. Joint Judgement against two limited companies
    c. Other

    Anyone have any idea which is the better option?

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE