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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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tedshez vs BOS


tedshez
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This is progressing a lot quicker than anticipated!! I sent the initial request for data letter two days ago by recorded delivery to the Rosyth customer services address, along with my £10 cheque. I got a phone call this morning from Sharon at the bank of Scotland saying she would send out a complete list of all charges against me, whilst returning my cheque, within 5 working days!!

They can try and butter me up but I will hound those buggers til the end!

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Good luck with the case, they will start to drag their feet soon enough, leave things to the last minute etc.

 

stick to your timetable not theirs and it will be cash in your pocket soon enough :)

Bank of Scotland student account:

June 23 Data Protection Act sent

July 23 statements recieved

Aug 1 Prelim sent for 3660

Aug 3 comedy letter recieved

Aug 30 laughable £260 final settlement offer and LBA sent

Oct 07 Settled £1800

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  • 1 month later...

Okay so I have all the statements in and have put all the charges into the table provided by this site. In my first letter requesting reimbursment do I put just the total of the charges or do I include the calculated interest also? Any advice much appreciated.

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Hi tedshez,

 

Just put the total of charges, don't add the interest untill you file your claim with the court.

 

Good luck, I've just had £720 refunded from the BOS. They seem to have forgotten my court fee's, will phone them pronto!

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Good luck Ted,

 

I'm glad things are going so quickly for you, I'm still waiting for all the info to arrive so I can total up what I'm owed and I think it'll be a similar amount to you..............I'll follow your thread!! :p

Darren :p

 

BOS - WON - £5.6k

------------------------------------------------

Virgin Mastercard - WON - £300

------------------------------------------------

Barclaycard - WON - £200

------------------------------------------------

Lloyds - WON - £1.6k

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  • 2 weeks later...

Alrighty, sent the initial request letter recorded delivery on Thursday 12th. Received a letter today from the complaints department, signed by a Peter Barry, stating that my complaint will be investigated by a customer relations manager and they will get back to me within four weeks!! Eh I don't think so Pete! The letter before action is ready to be sent next Thursday, directly to the big man!! I'm begining to enjoy this!

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  • 3 weeks later...

Here we are at the time that I need to start court action against the Bank of Scotland. Could someone please confirm that I can use th moneyclaim website listed in the seven steps for court action in Scotland. And Confirm that when I split the charges into sections, they have to be under £750 after interest is added?

Thanks for any help

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You can use MCOL and go for it all in one go but you will need an correspondance address in England for the paperwork to be sent to. I plan to do exactly the same thing and intend to use HBOS Trinity road address on MCOL as their point of contact.

Darren :p

 

BOS - WON - £5.6k

------------------------------------------------

Virgin Mastercard - WON - £300

------------------------------------------------

Barclaycard - WON - £200

------------------------------------------------

Lloyds - WON - £1.6k

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Their two weeks is up! Got a letter from a Leonnie Clark (Redress Assessor) saying sorry we haven't got back to you blah blah blah. Really got my back up and fuelled my desire to see this through! My claim is now with the courts using the Trinity Road address. Do I have to now send the bank a letter saying what I'm doing with a another list of charges and interest? Or do I just leave it for the court to in form them?

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  • 3 weeks later...

UPDATE!

 

Started a small claim action on the fifteenth of November going through the english court system. As yet the bank have not acknowledged this, I contacted the courts to try and get a default judgement in my favour but they will not proceed with this until the 5th of December (They allow five days for processing etc). Roll on Tuesday.

The 5th of December also coincides with the date the BOS promised in their last correspondance to get in touch regarding this matter, coincidence???? Has any one else found this?

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Hi tedshez, well done you!!! I've just registered to this forum today, with the desire to do the same, BOS has been screwing me for years and anytime i phone them to cut me a bit of slack i come off the phone feeling about 2 inches tall, Can you pass on any advice in reclaiming charges I live in scotland and assume i will have to go through the scottish court system in reclaiming.

 

any help would be greatly appreciated.

 

tweedtech

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Excelent Ted!! Well done

 

This is encouraging. My claim was deemed served on the 6th December and they have until the 20th to respond.

 

You're the second person I have read about who has recently been paid out fairly quickly........hopefully the same will happen to me!!

Darren :p

 

BOS - WON - £5.6k

------------------------------------------------

Virgin Mastercard - WON - £300

------------------------------------------------

Barclaycard - WON - £200

------------------------------------------------

Lloyds - WON - £1.6k

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