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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
    • 2. Is correct disregard 1. You must attend ad per the order 
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Bank account closed without warning


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I found out yesterday that RBS have closed my account with no warning and they have said I can't get any funds out of the account.

 

They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas.

 

They told me to contact them in the New Year to see if there is any update.

 

How long can they keep my money for?

 

I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??

Edited by dx100uk
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moved to the RBS forum.

 

had any large sums deposited of recent?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Welcome back to CAG - They may attempt to use the Right To Offset - But i am unsure if they are able to do so (Had this issue previously)

Can you setup another account elsewhere / Do you have a parachute account already?

 

Have you had any transfer in or out recently?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I already know that I am on the CIFAS register (not my fault) but it was too stressful to fight the case so I would imagine this is the reason - the RBS was my spare account when the previous account was closed! I do have one other bank account that is still open and not linked to RBS

I really need my funds back

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If you are on the CIFAS register then this will be RBS seeing that and going - "Nope - We dont want you"...

AS for funds - It depends on the situation - If these are your funds - Then technically they should arrange for full withdrawal providing their Fraud Team identify they are genuinely yours.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Ok thank you - I can show where all the funds came from so I just hope they release them - what sort of proof will they want - contact details of everyone who deposited them? I have a lot of transactions

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Oh hang on a sec - Lots of deposits? ... That doesnt sound good.

Not saying that youve done anything wrong but if you have lots of deposits, sometimes it can ring alarm bells...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I understand that - So I see a few pointers here

 

1 - You've breached the T&Cs of the account more than likely - A Current Account is for Consumers only - Businesses need to have a Separate Current Account

2 - You have a CIFAS marker... 'Nuff Said

3 - Money sent to you may have come from an untrustworthy source

4 - Debt oustanding to RBS Group

 

Unfortunately the bank works under a veil for things like this... Part of Money Laundering Laws / KYC.

How much is it that they have kept?

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Somebody paid several thousands into my husbands business account - he informed Barclays and the police that it was an unexpected payment so they dealt with it. Result was account closed and we were put on CIFAS register.

RBS have quite a few thousand at the moment

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Right lets deal with Barclays. What did you do to deal with them?

 

RBS - Well - I dont know what to suggest - Apart from sending a SAR Request to them.

You could complain to the CEO but we really need to try and sort this in some way.

 

Thing is - We cant help you unless you tell us EVERYTHING.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 2 weeks later...

which bank ??

 

have you sent those SAR's off yet?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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