Jump to content


  • Tweets

  • Posts

    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 160 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

Littlerich's girlfreind vs RBS


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6120 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

The story so far..

 

We had my girlfreinds statements going back 6 years and added up all the charges. These came to just under £3000. Sent a prelim letter. Waited for 2 weeks got a standard "these charges are fair" letter sent a LBA. WIated 2 weeks and got a letter saying the were investigating. Sent a third letter saying as a gesture of goodwill will let them investigate as long as they could give me a date when they would have completed their investigations. I gave them 2 weeks to respond. I have now received an offer of approx £300 less than the charges we are claiming. Am I right I have 3 options:

1. Accept offer (Not planning on doing so)

2. Accept as part of full claim and tell them I am taking them to court.

3. Just take them to court.

 

Is there any advantage of either. Think of option 3 at mo.

 

Thanks.

Link to post
Share on other sites

Not really. 2 and 3 are pretty much the same, just an extra letter. In order to keep things formal and ensuring you have followed every step correctly, I would do number 2 so you can prove that you have rejected their offer. Don't send them a letter informing them you WILL take them to court - don't give them any more notice. File your claim ASAP, then send them a letter accepting it as part settlement and inform them you HAVE filed your claim.

  • Haha 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • 4 weeks later...

I have sent a letter accepting their offer in par settlement and gave them 10 days to respond. The 10 days have now past and unsurprisingly no response. I am now about to go to the moneyclaim site to start proceeding's. My question is with regards to date the account was opened. How accurate does this need to be? It was 15 years ago so my girlfriend can't remember the month. will this matter?

Link to post
Share on other sites

If you can pin it down to the right month I think that should do. It' not really all that relevant to your case, but shows you have had an account for some time.

 

I Just put 'account opened around August 1989' because that's when I started my first Job that needed a bank account....

Link to post
Share on other sites

I would use the local branch address as this ties it to your local court. Alternatively use the litigation address in London.

 

ROYAL BANK OF SCOTLAND PLC

RBS Litigation,

1 Princess Street,

London,

EC2R 8PB

 

The branch address is perfectly valid as it is, but if you use the Litigation address make sure you specify your local court as the location for the hearing (this is a box to fill on the MCOL form I believe)

 

Clicky scales if I have helped at all....thanks

 

Phil

  • Haha 2
Link to post
Share on other sites

Mmm...I'm not entirely sure about MCOL, but I think you possibly should have sent all 3 copies to the Court. They get bundled with the claim, sealed and sent out. 1 Copy each for you, the bank and Court.

 

I'm sure somebody more knowledgeable will be along to correct me if I'm wrong.

Link to post
Share on other sites

  • 1 month later...

RBS acknowledged day on the 13th day. Cobbetts have submitted what from what I can see on the posts is the standard defence giving 14 days to repond. Do I wait for the court to send info or do I reply direct copying the court. I am having trouble finding posts that suggest what response should be ( Me prob being blind! ). Can someone suggest a response or point me at a post that could help? Not 100% fluent in legaleese.

Thanks.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...