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    • Participants can get £50 - but must permanently consent to the retailer using their personal data.View the full article
    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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Full settlement on 2 a/cs so far - 3 to go


clairej
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Hi all,

 

Two accounts with lloyds TSB settled in full for £1,224.00 & £1,417 plus interest & court expenses

BOTH SETTLED IN FULL - NO RESPONSE FROM BANK TO COURT

 

Royal Bank of Scotland

Summary Claim action

SC568 & SC566

£969.00 & £910.00 plus interest & court expenses

 

BANK RESPONDED WITH INTENTION TO APPEAR FOR BOTH CASES

I'VE GOT TO GO TO COURT TOMORROW, JUST IN CASE THEY TURN UP.

THE ONUS IS STILL ON THE BANK TO PROVE IT COSTS THIS MUCH FOR THE CHARGES

HAS ANYBODY GOT ANY GOOD TIPS FOR ME TO QUOTE TOMORROW?

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hey, you've got a court date with RBS 2moro?...as far as i know ur the 1st one to get this far with RBS... send a PM to a mod .... ill also try get hold of my step mum... shes a civil court judge ... she said she'll tell me what to say if i get that far.... dunno if get hold of her tonight tho.....

 

 

ill try now...

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Have just printed off aRadio 4 transmission transcript with Ian Mullen (The British Bankers' Association) where he does not answer questions and also a BBC News buletin where a lawyer says to challenge the banks.

 

Hopefully these will help.

 

Excuse my ignorance, but what do you mean by 'send a PM to a mod'?

 

Thanks.

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Claire, I will be watching this with much interest. Let us all know how you get on tomorrow and the very best of luck to you. Hopefully it will be nice and simple. Like you say, they simply cannot quantify and justify the level of costs.

 

everything crossed for you!

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Good luck Claire! This should be happening as we speak. Hopefully all is going well.

 

Gav :)

14/09/2006 - Data Protection Act letter sent to my bank.............here goes :D

28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000 :eek:

04/10/2006 - Prelim letter sent for charges of £2037 :rolleyes:

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Full settlement offered by Banks legal Rep as I was waiting to go into court, which I have duly accepted.

 

Continuation requested to court for two weeks to allow settlement to take place. Court accepted this.

 

WHEY HEY!!!!

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CONGRATUALTIONS Claire.................great sutff!!!!

 

How close were you to actually going into court? Did the representative just saunter up and offer you the settlement?

 

Well done :)

 

Gav

14/09/2006 - Data Protection Act letter sent to my bank.............here goes :D

28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000 :eek:

04/10/2006 - Prelim letter sent for charges of £2037 :rolleyes:

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Fantastic Claire:D :D :D . I'm really chuffed for you. Out of interest, which court did you go to and like don asked, what happened???? we want all the gory detail:)

 

 

Once again. Well done.

 

JB

 

ps, just one more thing? what was the timescale from start of claim til now. Sorry for all the questions, but I get a bit excited when I see another person getting a result!

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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  • 3 weeks later...

Hi all,

 

I was sitting by the court entrance with 10 minutes to go.

 

A bank legal rep approached me to confirm it was me and then handed me a written offer. I took my time to read it and since they were offering the full amount, I accepted. We all then went into court to wait for my case to be called, which took about an hour. I had been watching how all the other cases went - they were all financial i.e default loan payments, companies trying to sue individuals for payment. As I was to represent myself and I was the pursuant, I made sure I stood on the judges left (right of the court room). I was asked to confirm my name,then the bank legal rep stated there had been full settlement offered and accepted and requested the court continue the case for two weeks to allow clearing of funds to my bank account. The judge accepted and case note to be continued. (The money was paid within a few days, however had this not been the case within the two weeks I would have needed to attend court again to get a court order to demand payment).

Walked out of court and then skipped down the street!!!

 

Good luck y'all!

Claire

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Hi just read this thread and i swear the clouds above me parted and what can only be described as a glimmer of hope shone through :)

 

can you tell me how long it took from when you returned the allocation questionaire to getting to court as im at that stage now and am just wondering how long the courts take ?

:-x Royal bank of Scotland :-x

£2391.82 + 8% + legal costs £220.00 = £2911.88

Data Protection Act request - 01/07/06

Prelim Request - 25/07/06

LBA - 08/08/06

Claim filed - 22/08/06

Acknowledged - 25/08/06

Defence filed - 25/09/06

AQ sent 10/10/06

AQ Received by court 12/10/06

Copy of RBS AQ received 14/10/06

Now We Wait ................

 

:-x Capitol One MasterCard :-x

 

Data Protection Act Request - 15/10/06

 

:-xCiti Bank Visa Card :-x

 

Data Protection Act Request - 15/10/06

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Congratulations

:grin: WON

GOLDFISH £291.90

MARBLES £174.47

RBOS VISA £232.19

AMEX (BLUE) £148.40

BARCLAYCARD £251.31

AMEX (BA) £151.50

RBOS M/C £222.00

RBOS (MY ACC) £430.00

BARCLAYS £505.00

MBNA £250.00

RBOS (JOINT) £2975.00

:grin:

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