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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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    • 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
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Calling All Ex Bank Workers


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:).........

 

In a world brissling with credit crunches..... redundancies in the banking sector etc etc... I am wondering if there are any folks out ther who have just been dumped by their employers after years of loyal service who want a little pay back........are you :mad: .. do you want to go :p at your old bosses........ there must be quite a few and getting more each week who have been deemed 'not profitable' anymore....

 

Well nows your chance...share all the little secrets you know... dish the dirt......

 

FIRSTPLUS, HSBC, NORTHEN ROCK THE LIST GROWS....

 

your on our side now...help us........;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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......I guess as its only ex disillusioned bank workers you want not current happy bank workers I will just shut up :D

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Theres a few things I could say about a certain large credit card firm that I used to work for and a certain large high street bank I used to work for as well.... bit worried i might be cagbotted tho :D

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Perhpas you would be interested in knowing I could look up anyone's account details and would've easily been able to casually jot these down and take it out of the building.

 

Also I would have been able to steal some cash on my last day which would've been extremely difficult to prove beyond reasonable doubt. Good job I'm such an honest chap (which is why I left BTW).

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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you left, indebtstudent, I can tell I have been away from here for tooo long.....blimey, this is bad, I thought there was at least two active bank workers posting on here, GULP.

Should I duck again? :D

Is there anymore of us bankie workers with the balls, courage to post on here?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I don't really care if your a happy bank worker or a disgruntled one. All info is greatly received. ;)

 

Interesting to think how long you will stay happy with things as they are... I predict big changes ahead

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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The question is how you measure, happiness. Is it with the people you work with, the people you serve, the policies and processes you deal with or because you have a job that pays the bills?

I suspect huge changes ahead as well within UK Banking as a whole.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I don't think the changes are a bad thing, even if the dreaded fees for a current account return people will be forced to (shock horror) actually THINK about thier current account. I know its a huge ask, but they'll have to shop around and discover how much they're getting ripped off.

 

The fact that HSBC promotes the 8% in credit interest rate on its bank account plus tells you exactly how sophisticated the average bank customer isn't when choosing an account. A casual glance at this account reveals anything you gain on the interest will be more than wiped out by the fees.

 

The overdraft is nothing to shout about as you can beat all of these features for free elsewhere.

 

The thing that amuses me is thinking about, if the banks do play the fees card, how they will handle the massive increase in complaints they get. People WILL complaint if they SEE what they are paying for something.

 

Thoroughly glad I'm to hell out of it.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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yourbank,

 

It doesn't look like there are any other bank workers who will post unfortunately. Perhaps everyone is leaving because the game is up for the banks now. People tolerated the greed and excess when the banks threw money at them but those days seem to have gone. Now I think you will start to see everyone wanting their pound of flesh back. I think that the world is about to become a lot more competative and harder for those in the industry. When the bank of england says 'the good times are over ' I think they mean for both sides not just those hungry for credit.;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Perhaps everyone is aware that to post adverse comments on their own institution CAN lead to disciplinary under the staff code of conduct if they are current bank staff.

You asked if anyone who worked for the bank wanted payback? Answer seems to be a resounding NO(quite a result for the Banks' would you not say?)

RBS Group are not making redundancies at all, and in point of fact have no plans to do so at branch/business level.

Credit crunch and bank employees being sacked? In the City maybe, but not the branches. We are firmly recruiting more staff. People may not necessarily want to work in a bank but the pay and overall package is, in my opinion, not tempting me to leave the RBS Group.

Pay, staff benefits and how they treat you within the Group. I don't see the good times being over tbh.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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yourbank ........take a look at my thread ...Big Claim aginst RBS, maybe you will realise what kind of organisation you do work for.

 

Even you will be amazed.

If you are not .......then I must agree you are the type of person RBS need, and agree you should stay put with them.

 

 

sparkie

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Nothing I read on a bank charges forums changes the way I think about RBS Group. It is about perspective. My own perspective has never been anything but constant on the forums. I have read the good, the bad and the ugly about NatWest/RBS Group and i remain in my view. Nothing will change that.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Nothing I read on a bank charges forums changes the way I think about RBS Group. It is about perspective. My own perspective has never been anything but constant on the forums. I have read the good, the bad and the ugly about NatWest/RBS Group and i remain in my view. Nothing will change that.

 

I must say I respect your honesty,

 

sparkie

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Yourbank,

 

you must be pretty senior then???

 

When my relative (the one I mentioned in the other thread, the one who had a nervous breakdown) worked for NatWest, he said to his wife that he was thinking of leaving to go and work for the local SUPERMARKET as the managers there earned more than he did!!!! And bear in mind that he was one of the youngest branch managers in the North of England. (in fact I beleive at one time he was the youngest)

 

I think your honesty and loyalty should be applauded. You wouldnt catch me talking that way about Abbey or Cap 1 who I worked for :D

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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yourbank,

 

Kind of contradict yourself there. staff can be disciplined for tell the truth about their employers but none of them want payback so thats a good result for the banks? Perhaps they are just scared. Doesn't sound very good for the banks that. Frightening their own employees and restricting their freedom of speech. Still what ever turns you on.....;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Staff CAN be disciplined when they make comments on the internet. What if I was to say that Sir Fred Goodwin take a percentage of all monies taken as a result of bank charges only?(That is completely untrue, btw). Should a comment like that maybe made on facebook be allowed to remain without recourse? Is that threatening or is that something else? Perspective is everything in this. What you view as frightening employees is nonsense to be honest. Code of Conduct is something that is applicable to everyone from cashier to chief executive.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Also there are certain rules you have to follow with regard to confidential materials for example.

 

I was (rather stupidly) given info on coming changes in the way Natiowndie does some thing (not relevent to charges I hasten to add). I had signed a confidentiality agreement but wouldn't have objected if they had excluded me from the briefings because I was leaving.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I know of impending changes with NatWest NOT charges related but I won't post on any site REGARDLESS.

While you are working for the RBS Group or any bank you are under the confidentiality agreement while you work and while you dont because it relates to when you were under that agreement. It's a bit like being a nanny for Peter Andre and Jordan, you cannot release details to the press.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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