nice 1 dont forget to click on my scales Thais away out in front of me ! ho ho ho

Poor you. I wish I could be more positive but unfortunately you will have a real issue here with proving what was given to you at the time, especially since you didn't check it when you picked it up. I know you have a very good reason for that and understand your situation, but if Currys are stalling over this and saying that they don't have the items, it will be a very very difficult case to prove. Effectively you are claiming that they are in possession of items that you have title to (you own) and it might just be worth mentioning that you will go to the Police if they don't hand them over - just to see if that makes any differe

You claim the full amount that was in your original schedule, minus what Tescos have repaid. In other words, yes, claim interest on the whole thing. Good luck with your claim. Regards, Rooster.

Well done Steven you should have your money back by the end of January, if you stick to your timescale, Nationwide are paying out roughly a week after court claims are issued. Open a new thread for Capital One, people that are already having issues with them will be able to help and advice you. Good luck!!

yes add your £100 fee !

I will get back to you soon.

Hi RFC Welcome. Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans a

I have written a letter to send to their collections center about this (will post later), but I have also just emailed their CEO: They just do not seem to get it do they?! Doesn't inspire me the same sense of confidence I'm afraid! If they have no intention of proceeding then in my eyes these letters amount to abusive attempts at intimidation. Still i'm not going to worry about this over Christmas, we'll see what happens next, but rest assured they ain't getting a penny regardless of what they say or do.

OK my panic is now over! I just phoned collections to see what was going on and managed to speak to somebody useful. I explained the situation that we have a court hearing on 7th February and there's a dispute going on over this "debt". I then said that I understood from Mindzai having to phone them a lot that they aren't always made aware of the fact that we've got a court hearing and we have sent letters to various departments. I asked if he knew that we have a court hearing and he said that there was a note on our record. I said that I wrote a letter to Brighton Customer Recovery on 28th November to complain about the high level of p

Are you on about claiming back your royalties payment or the difference of the "CHG to 12345678" charge less your royalties payment? __________________ If I've been help to you, click on my scales and add to my rep! __________________ Stuck with RBS charges? Click here!! Settled RBS Current Account1 £2794 RBS Current Account2 £503 HBOS Credit Card £498 Still to Settle Barclaycard Est£180

Woohoooooo!! Ain't Temilope Fatogun a real cracker:) Still not coughed up mine though!! Congrats again

The value of the claim relates to the track it is allocated to...under £5k is small claims, £5-10k is fast-track and above that is multi-track. The principle differences as far as I can see is the cost and that certain extra information can be demanded if you aren't small-claims (cpr part 18 request forexample, only applies off small-claims track, but as Cobblers seem to be sending them out anyway, it probably won't make that much different on the legal side.) HOWEVER - I am not a legal head and everything I am doing is driven by what I read here, so there are probably several legal implications to 'fast-track' that I haven't yet co

You can try writing to the dealer in the first instance stating that the car is not of satisfactory quality and therefore does not comply with the terms of the Sale of Goods Act and therefore you are rejecting it and claiming a full refund. Describe the faults, explain what you were told about the mechanic being unsure of the cause and state that you have lost faith in the car and therefore you want your money back in full, plus consequential losses for your costs as a result of the car being faulty. (Number plate transfer I am not entirely sure about, since it's not something which is a "normal" cost in the sale of a car) It's tri

Hi Newlywed Yes it is of course worth following this up. Though as always with PPI it appears to be their word against yours. If you have the full terms and conditions of the PPI Policy , please spend a few minutes having a proper read through them to see what if anything it states regarding self employed. I know a lot of PPI policies will not cover you at all if you are self employed. The whole Issue of reclaiming Mis Sold PPI is somewhat new and we are slowly starting to win some of the fights, some easier than others I may add from personal experience..lol I had a claim with Lloyds and it was settled quite quickly, t

Without the research and legal jargon - I'd say something along the lines of... When the law came in that stated penalties should not exceed costs, the banks and their solicitors should have been fully aware of this at the time. Being an everyday process of charging penalties, this law would have been noted at some point soon after it came into force. If the banks are stating they didn't know this law existed, then I would say there are some pretty serious consequences to that. Whether they concealed it by theft, fraud, ignorance, or plain stupidity is irrelevant. They were aware of the law, and as such statute of limitations d

Barclays Bank PLC Customer Relations Barclays Bank PLC 1, Churchill Place London E14 5HP

FWIW There is a lack of clarity as far as I can tell, and Ive looked reasonably hard, on the issue of whether contractual interest is, or is not, part of the claim value when considering allocation. Theres a CPR which says interest isn't included. However, i have had a legal view from a solicitor (retired) and a judge, which suggested that contractual interest is part of the claim value for allocation. On the AQ from the defendant in one of my claims they talk about the 'true value of the claim' being the charges only, which is interesting since if there was specific CPR to refer to then i would have expected (naively ma

Hi Vixtress. Good for you. It's ALL your money. Go for the lot. Have you read the FAQs and the step by step guide in the library section? Spend a few days with them and you will find that they will answer most of your questions. Just click on the link in my signature for the FAQs. Good luck with your claim. Regards, Rooster.

This thread http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html contains everything you need to know about POC with MCOL, use this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html if you are filing paper N1 (this is where most of my source came from) About the only thing you need to send with the N1 (apart from the court fee) is your schedule of charges. I will be filing my paper N1's today using the text below. I'll let you know later if it all goes okay. Best of luck Phil (Don't forget to click my scales if I've

A Subject Access Request entitles you to a copy of ALL information a company or organisation hold on you under the Data Protection Act am.1998; call notes, transaction history, payment details, everything. There's a template letter in the library - you'll have to adjust it slightly as it refers mostly to bank accounts. You need to send a £10 cheque with it as the statutory fee - this is all they are allowed to charge you for the information. They have 40 days from receipt to comply. _________________________________ ----- Click the scales if I've been useful!

just to say when searching these companies to be thorough search 3 ways ( you never know what xtra bit of info might turn up) creditgate.co.uk with thw www before ( if i actually type it -- the link takes over and zzz.creditgate.co.uk zzz.ukdata.com ( i have changed "w" to "z" tobreak the link) UK, Europe and International business credit reports, risk scores, annual account and company filings online from UK Data Ltd Business credit checks and Companies House documents instantly online. and the traditional one companies house and on one of the two above if you give them an email address you can trac

Exactly that - it just says goods should be repaired within a "reasonable time". This is because this timescale won't be the same for different products. For example, a fridge is more urgent than a television - so a reasonable time to repair a fridge would be shorter than a reasonable time to repair a television. The best thing to do with goods like this is to make time of the essence at the time of taking it in to repair - tell them that you want it back by [and name a reasonable date in the circumstances, it's no good saying you want your laptop back tomorrow!]. Follow up by putting this in writing. Then you have a definitive date

I would write to them straight away telling them that as your claim was for £512.23 + and as they have not repayed that amount then you are still going ahead with the court claim. S.P

For concealment they must have had knowledge that what they have or intend to do is wrong. How did the Credit Reference Agencies come into being? I have phoned the Financial Ombudsman Service who have admitted they originally developed the database for credit checking but have not confirmed the date they ceased to develop it and passed it over to private companies. My guess is they developed something they believed to be a service (on the behalf of the banks) and ditched it when they realised the implications of the DPA. Whoever took the reins at that point must have known why the FOS were getting out and either saw an opportunity, or a

tanz.sorry i was not specific enough last time i poted regarding removal of default charges,if you type in to your search area on google or whichever search engine you usethese words then it will take you to a site where they have listed hoe to remove defaults from credit file.ok so in the searc box on google type,REMOVE DEFAULT NOTICES ON A CREDIT FILE-WE TELL YOU HOW,CAN BE IN LOWER CASE IF YOU CHOOSE.YOU SHOULD GET THE IMFO YOU REQUIRE THERE.

scouser these loosers from moorcroft do not pay any attention to your rights or letters you send to desist from phoning..if you really must answer the door and are being threatened call the police it is an offence.. i have been dealing with these clowns for about 6 months now as they have been harrassing my mum....they only get to you if you give them airspace or ear space...they are a bunch of chimps that threaten everything and do nothing....they rely on continued harrassment to break people down....if they call dont answer the phone, or pick it up and put it on the tv and leave it for half hour...they soon get bored...do not try to talk

Hi Andrew, I have had a read of your story and hopefully I'll be able to give you a bit of advice. Essentially you have two options available to you if you want to go the litigation route. Your first option would be to bring a claim in tort based upon negligence. You could do this because a bank owes a fiduciary duty to its customer(s) to use reasonable skill and care when dealing with them. They are also subject to the duty of care that everybody else is subject to. So in order to prove a duty of care is easy and it is also easy to show that they failed to use reasonable skill and care. However in order to successfully prove a negligen

It came to a bit of halt I'm afraid Buenofrog but certainly not forgotten. I was sort of thinking of being just as stubborn as them and leaving it open just for the loan purpose only, afterall I'm sure it costs the bank to maintain an account. One good thing though was by insisting on me keeping an active account for the purpose of the loan meant there was no way of them shutting it, so they can't demand I repay my O/D. I might persue it again in the New Year, for now though I have busy times ahead spending all this money....

Thank you. I wasn't aware that they actually predict anyhting - they just keep information don't they? Also, what you have to remember is that it if someone has a defualt on their credit file, the companies lend them at higher interest rates so it's in their interest to issue them sometimes. I don't think to be honest that they actually would consider each entry and their dates etc, taking the most recent first - what they do is check if you have a default, if you do then they charge you more interest etc. Maybe if they check them manually they might consider the extra "fiddly" details, but automated searches won't. I'

Well recieved another letter from Lloyds TSB it reads as follows: 13th December 2006 Our reference: HW/AND/******** Dear T Thank you for getting in touch with us again. I am sorry you are still unhappy about your account charges. (to right I am) We've already explained that we believe it is fair to charge you for extra services you've requested, as long as you know about the charges in advance. (well I dont) When you didn't have enough in your account to cover a payment you'd asked us to make, we had to agree to make it by setting up or increasing your overdraft, or tell you we couldn't agree it. (and send you a

Oh sweetie I'm so sorry. Thats really awful. I know there,s nothing I can do but I just wanted to let you I'm here if you need me. Take care Paul Love Sam xxx

Pete, I have Summary Statement of Evidence which I downloaded from somewhere on here. It seems to be as Zoot described. Could this be what your looking for? Obviously wants amending to suit your case. SUMMARY STATEMENT OF EVIDENCE The claimant submits that the charges levied to his bank account, as set out in the enclosed schedule, are, notwithstanding the defence of the defendant, default penalty charges imposed because of and relating directly to breaches of contract, both explicit and implied, on the part of the claimant. As a penalty, the charges are unenforceable by virtue of the Unfair Terms in Consumer Contracts Regulat

Are they aware that you have started the claim process? If they are not then that would explain why they are offering the lesser amount. You need to contact them and explain that the claim had already been issued before their offer and therefore the interest and court fees need to be added to their offer for you to withdraw your claim. David

Hiya Yes your right, below is a letter for not accepting this offer: Your Address Their Address Date Dear Sir/Madam, Sort Code: ACCOUNT NUMBER: Your Reference: In response to your letter offering £xxxx as a goodwill gesture - your offer is accepted only as a partial repayment of the outstanding balance and I do not recognise it as a full and final settlement. Although I appreciate your offer, I would like to notify you that my request is for £xxxx I hope this matter can be resolved amicably and swiftly. Yours Faithfully (your name) Hope that he

No problem at all! You've been even more reasonable by giving them longer to respond!! You're ready for your MCOL now. Go get them tiger! A D

Ooooo Michael, you are a sneaky helpering type, thats the second or third time...thank you xxxx

You're gonna love this, part of my claim this time around is for the return of charges added to an account I've already settled (but were applied after I filed at MCOL). They say, I wonder what they'll say when I explain that in fact they already have, and that my current claim does not relate to any of the charges they think they do? It's a cruel sport, like shooting fish in a barrel, but someones gotta do it. I got a second letter that relates to the second a/c I already settled (again for charges after last claim was filed). This one claims that as I have already received a final settlement of my complaint, the

Hi Paula You need to ask a Admin (Dave or Bankfodder) but as you can guess they are VERY busy with the site and I would say PM a mod and ask them to sort out when they can. Goto the main page of the forum and go all the way to the bottom and anyone of the GREEN users click on the name and the send Private Message:) Good luck;)