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    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
    • Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • Just out of curiosity aesmith - are you a lawyer?
    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver I could initiate a claim. Or much quicker  - the other entity - with a charge already - could use that to make an application for an order for sale.
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
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T4FF vs First Direct


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Having had success with my other claims, it's time to start my final one. Had this account for around a year. The account is now closed so am unable to get the information online. Will be sending this letter tomorrow.

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxx

 

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements will be acceptable.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. Please be aware, I have recently moved addresses – my previous address being xxxx however, prior to closing the account, the address was changed to xxxx and this should therefore not be an issue.

 

I would be happy to collect the Data from my local (Cardiff City Centre) HSBC branch.

 

 

Yours faithfully

 

__________________

 

If I've been help to you, click on my scales and add to my rep! :wink:

__________________

 

Stuck with RBS charges?

Click here!!

 

Settled

RBS Current Account1 £2794

RBS Current Account2 £503

HBOS Credit Card £498

 

Still to Settle

Barclaycard Est£180

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!!!

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Scuse the laziness, but it is very hard to find a trend just looking through posts....what are FD like for dealing with these claims in general? Are they responsive? Are they likely to put up a fight or just roll over like RBS did :lol:

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!!!

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  • 3 weeks later...

Quick update. Had two letters from FD since last post. Firstly, I didn't sign my letter to them :mad: so they sent it back requesting me to sign it.

 

Couple of days ago I received the second with my cheque in it. They basically said they would supply this information for free and here's my cheque back!!

 

Nice start..........just waiting for the statements to turn up now.

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!!!

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Received my statements back. Had a grand total of.....

 

 

 

£60 :o

 

Having discussed this with the missus, I'm going to put a hold on this for now. The only reason being is that she is still a FD account member and as we are the same address she doesn't want it affecting her (charge free - so far anyway) account.

 

Fair enough I spose. Will keep this for future reference if need be.

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!!!

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Cheers to those who responded anyway

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!!!

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Are you sure it's only £60? I ask because a lot of others have not realised exactly what you can claim for and have let the banks off lightly. Check the guidance notes on here to see exactly what it is you can claim and then check your statements again before making your final decision.

 

If in doubt about what you can claim for, post back here, as there are plenty of people who can advise.

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No definately just £60. I've already claimed back 3 accounts and am pretty clued up on what I can claim - have an extensive charge FAQ in the RBS thread.

 

Thanks for checking though ;)

 

I will get it back....just got to get my missus out of First Direct first!

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!!!

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