Nock2006,in reply to your post and in my personal opinion: 1.Threaten to take the council and housing association to the European Court of Justice because this tenancy officer chap is behaving above the law and acting in a totally unacceptable manner.If you want to do this you will need a solicitor that is specialised in human rights law.This should not cost you anything. 2.If you do not want to do the above,simply write a letter to the housing association(the chief executive/senior officer) threatening to sue as the stress is affecting you in big way due to your medical condition. or threaten both! I am sure you

Hi all, Small success!! SAR sent 28/8/06 Initial Req sent 06/09/06 for £504 Reply dated 8/09/06 with offer of £252, as a "goodwill guesture" to be credited to my account before next bill due:D Time to press on for the rest, I cant believe how easy it was. Thanks to this forum i might be able to get my life and finances on track:D

Im a little ahead of you on the Credit Card side of things. I sent letters to Southend and got replies, i sent a third advising i was taking court action if they didn't answer me with a full payment, they responded with an insulting little offer so i called them telling them this and that i was filling claim. 14th Sept they have ackowledged claim and intend to defend the claim to the full. Same guy is defending as the guy that signed my cheque for my current account.

Has wescot bought the debt or acting as agent? if they have bought the debt then send cca request to them... if not send it to the original lender. if they cant produce the original docs or deed of asignment within 12 working days, they cannot enforce the debt (until they do). After one month from then they are in default and can be reported. Also if they have defaulted you and can't prove the default then you can get it removed with a little bit of effort, I can't find the thread but if you pm me I'll send the docs across (too large to post here) Dave

Yeah i Know what you mean!

yes it will good luck:D

no probs if i helped click my scales;)

your welcome.

The two main charges you are looking for are; firstly the charge for going overdrawn either without an overdraft facility or going beyond your overdraft limit, Barclays used to call this "Unauthorised Overdraft" until late 2001 but then changed this to the (deliberately?) more obscure "Paid Referral" or "Paid Referral Fee", and secondly the charge they make for declining a payment due to insufficient funds in the account for which Barclays use the terms "Charge for item returned unpaid" or "Unpaids out". On the normal printed statements Barclays use the full names but use the abbreviated terms on online banking. Also, if you look at

Unpaids out will probably be reference to an unpaid cheque referral could be an unpaid direct debit You can for now list them as they appear on the info you have. If the bank request specific breakdown at the court stage you can let them explain them. They should be listed seperately as they are likely to be so.

yes it means thank bank manager has authorised the charge, you can claim this back just list it as referal.

I did mine in exactly the same way as it appears on the spreadsheet. In the first column you type either the "Paid Referral" or "Unpaids Out". The rest is self explanatory. Delete the columns headed "Date since Offence" and "Interest @ 8%". Print out two copies, one to send with the prelim letter and one for 14 days after with the LBA.

hi they have done the same to me, they have 28 days to file defence if they dont then you have won by default. Read the FAQs they explain it all to you.

From reading tens and tens of claims on here its just a ploy, they may file a defence but will settle before it goes to court. I think I'm right in saying they have 28 days from when you filed your claim to put a defence in so you may have a little while to wait still

Sent my Prelim letter on the 11th Sept, and I have just received the standard "we do not agree that our charges are unfair" letter then they offered me £144. I love the bit about it is a good will gesture and without any admission of liability. LOL:D Just going to search this site for the Partial settlement letter, and send it to them asking for the rest of MY money. Thanks to all the help on this website things are starting to move now.

Ring the court FIRST THING Monday morning, explain and ask if they will stay the warrant and refund you. If you applied Friday I don't think it will be processed until 10 a.m. Monday so ring as early as you can on Monday. Pete

Pugsley, I havent actually put on my claim mentioned above that I want the default removed. because I filed on MCOL and that is strictly for MONEY claims. In several cases the court have ruled that once the money claim has been settled then the entire claim has been settled without giving any ruling over the default. I have this morning received a letter back from Capital One in response to a letter I sent to Debitas regarding phone calls and will be making comments in my own thread (Tamadus v Capital One) today once I have typed up my response.

Good Luck. Im sure you will be fine. You will get what is rightfully yours soon.

This is it:- Briefing Note BN 023/06 4 July 2006 FSA position on account closures and default charges Generally, under FSA rules on dispute resolution and complaints, we would not expect any regulated firm to discriminate against a customer who makes a complaint. However the relationship between a bank and its account holders, including the circumstances and manner in which accounts are closed, is governed by the Banking Code. We have therefore raised this issue with the Banking Code Standards Board, and informed those firms involved that we have done so. As a result of those conversations, we understand that the

Fantastic! 'bout time too! Well done Nightstar, and for being so patient too! You'd have thought they'd have coughed up earlier but I guess it shows what they're like and what we're up against. You could turn your thread in to a book (perhaps editing out all the people trying to start their own!). Enjoy the return of your cash and thanks for the support and inspiration you've given everyone else. Great result. Stevex

Had a letter from LXDirect last night relating to a CCA request in July! Read the letter "please find enclosed copy of agreement as requested" at which point I start getting worried... I'm sure I've never signed one... turn over the page and... 1. Agreement not properly formatted in the slightest, apart from the title. 2. Not signed by me, but my name and address is typed on there 3. Refers to the remainder of the conditions being in the catalogue, but no catalogue enclosed ("...and any other document they refer to") Bunch of twits... must be a sly tactic. I'm going to write back to them, ask them to cease sending me letter

It might be an idea to see if the "charges" that your landlord has imposed are in themselves unlawful, in which case you may have case against them, in the same way as you have with the banks. This might also have the effect of delaying the bankruptcy action if you are counter claiming against the petitioner...just a thought!!

Sarah here is info on rates associate dwith debenhams card(scroll down a bit) cardholder benefits - debenhams card - debenhams card - personal finance - Debenhams Well done "darling" (hehe)!!! At what stage did they pay up at?

It does sound like a standard letter. They will try and fob you off at each stage. The trick is to ignore 'em and just carry on with your claim until they pay up!!

No problem Adamski, glad it's useful info. Pete