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    • Could you link us to BankFodder's post please? The judge's office means something different to me. HB
    • 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 
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Not much to claim with this company JUST A MERE 84.00 . I requested all late charges over the phone since start of account which they kindly gave me .

 

sent letter asking for it back on 3 APRIL

REC letter on 10 april -saying sorry to hear you have a compliant but we will look into and get back to you within 10days and try to resolve it ...

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Not much to claim with this company JUST A MERE 84.00 . I requested all late charges over the phone since start of account which they kindly gave me .

 

sent letter asking for it back on 3 APRIL

REC letter on 10 april -saying sorry to hear you have a compliant but we will look into and get back to you within 10days and try to resolve it ...

 

Every penny counts, stick to your time table and not theirs the next letter is due soon. :wink:

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right received letter today ..about request for payment ..

 

the usual sorry you have concerns about your account .....

we think our charges are fair and resonable . as a gestureof goodwilll

we offer you 8.48 -diff between oringal fees and the current ..12.00 charges ..

 

 

should i sent off the LBA LETTER OR REJECTION LETTER AS PARTIAL SETTLEMENT.

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Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.

 

For instant live help please go to the chat room

 

Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.

 

 

 

 

A-Z of useful links to this site.

http://www.consumeractiongroup.co.uk/forum/post-436526.html

 

A list of head office departments to send your requests to

http://www.consumeractiongroup.co.uk/forum/post-752168.html

 

Step by step instructions better safe than sorry!

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Templates If it aint broke dont fix it!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Online claim or direct at court?

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Finally good Luck.

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  • 2 weeks later...

need a little advice here . i know mint owe me 84.00 .they sent me a letter offer ing 8.48 which aint even half of it .iam going to sent off n1 form but i dont have statments as proof of itemised charges . if it wont reach court then will it be ok ...

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need a little advice here . i know mint owe me 84.00 .they sent me a letter offer ing 8.48 which aint even half of it .iam going to sent off n1 form but i dont have statments as proof of itemised charges . if it wont reach court then will it be ok ...

 

No you will require copy statements or details from Mint of the charges for your court bundle.

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well received letter today after sending them a lba on 21 April .. They still refusing topay up and are sticking with their offer of 8.68.

 

i only got details of mint via phone so dont have statments detailing the amounts so iam goin to try complainting to ombudsman..

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  • 3 weeks later...
:mad: arrh has everyone gone to sleep on this site or what --no ones replying to my questions and wheres a moderator when u need one. maybe i should file a claim for ignorance lol:(

 

As livelylad says you will need the statements. Most people are using the S.A.R - (Subject Access Request) route under the Data Protection Act but most banks will get you copy statements on payment of a small fee (NatWest will get any number of copy statements for £5, for example).

 

It might be worth phoning Mint and asking about copy statements and then use the method they recommend to get them. Persoanally, I would wait until you have them before going further. It may turn out they owe you a lot more and the LBA stage is the last time you can easily change your claim.

 

Steven

 

 

 

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