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Showing content with the highest reputation on 15/01/07 in all areas

  1. You'rs right Andrew, a default should only be placed by the creditor. But AK don't bother with pesky little details like complying with the law. What should happen is this:- Lender places default. Lender sells/transfers debt to DCA Lender ceases to be creditor and removes default. DCA becomes creditor DCA places default to relace original. The fact that the DCA has little or no proper documentation to support their position as creditor is of little or no consequence to them (until they get caught out, that is). I, and many others on here, have two deaults for the same
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  2. Find out who put the default there if it was GE CAp then they are the ones who have to remove it ....if it was BCW then they are in more trouble they are using someone else DP licence and should not have put it there in the first place. sparkie1723
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  3. One more thing with the letter, you have used the word "lead" you need to change it to "leads". You need to ask the DCA, expecially if they have provided the deed of assignment, although they are licensed under the DPA so I would be inclined to send it to both....maybe send it to GE Capital and "CC" it to the DCA? You could put in the letter that you haven't sent it to the DCA because they aren't registered with a DPA license and you therefore can't guarantee the security of your data that is processed by them? Hope that makes sense!
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  4. Hi and Welcome, send it to the MK address
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  5. Hi and welcome to the forum. Some of this info you will already know, so I apologise if you have already seen some of it. The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your o
    1 point
  6. I Have just received the following Emil from the TBE by coincidence my MP3’s secretary rang me with the same information just prior to me receiving it. Dear Mr Bardsley The only amendments that were approved in Grand Committee were the government amendments. All other amendments were either withdrawn or not moved. The next stage of the Bill, Report, is scheduled for 23 January. ********** Tribunals Courts and Enforcement Bill Manager Department for Constitutional Affairs The sections of the Bill relating to bailiff powers were not moved and therefore were
    1 point
  7. Hi Spiff500 I guess by now you may have had another reply from milktrayman but believe me there is a BIG difference between 24.9% simple interest and 24.9% compound. My charges go back to a similar time as the one you quoted and because 5 years have elapsed the original charge is multiplied considerably. A £25.00 charge on 22/06/01 with 24.9% compound interest adds £61.25 making a total of £86.25 (using the mindzai spreadsheet). I recommend you use this spreadsheet and be prepared to be gobsmacked!! Go for it..........I am!! Petewill19:)
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  8. Hi maxibon I had the some problem when I defaulted on my loan. RBS closed our joint account. Can’t see how they can get away with doing this as the loan account was just in my name, anyway I set up a new account and rang credit management services and asked them if they would authorise the withdrawal of my wages and all of my child benefits as they had to allow us to be able to live while every thing was getting sorted out. They agreed to it and told my local branch to allow it. You could try ringing them and asking.
    1 point
  9. If you had asked for a memory card for a particular application and it turned out to be unsuitable then that would be the store's fault for mis-selling you an item which was not suitable for the purpose that you specified. If you specified which memory you wanted and it was not suitable, then it would be your fault as the store has sold you what you asked for. I fully endorse Stonelaughter's comment. We do not, at any time, condone any action which is not completely lawful. If we were to condone fraudulent practices we would lose all credibility. Regards, Rooster.
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  10. Right - let's get one thing straight. This site cannot be seen to condone ANY action such as that described. We encourage people here to take the moral high ground - not to find ways to cheat organisations out of their legitimately earned money. I think that the best thing to do in this situation is to bite the bullet, sell the damn thing on EBay for what you can get, and buy the right thing. Don't buy it in Argos because they're not the cheapest; I know where you can get 1Gb Micro-SD cards for phones for £13.99. Look around on the internet.
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  11. Hi e28, Even though the employee has left the company that sold you the policy the company have of course Vicarious Liability for the Actions, Omissions and Misrepresentations of the salesman who was an employee carrying out duties on behalf of the company. Hope that Helps.. Ian
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  12. An LBA is a "Letter Before Action". What you would need to do first is request all your information held on you by the means of a S.A.R - The template letter for the S.A.R is here. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html You need to enclose a postal order or cheque for 10.00. Do NOT send cash. Once you receive your statements, you can claim back the charges applied to your account. - Late Payments - Overlimit Fees - Default Fees etc You can not claim back fees charged for purchase interest, cash advance interest,
    1 point
  13. Guys, get your lips around this post! KAZZAW v Lloyds Asset Card - EVERYONE READ POST 15 !!!!!! General Form of Judgment or Order To the Claimant kazzaw Before District Judge ................. sitting at Lincoln County Court. EX PARTE IT IS ORDERED THAT The Court of its own motion is considering striking the Defence out as an abuse of process on the basis that it has settled all previous claims of this nature. If the Defendant objects to this course of action it is to file at Court within 14 days, a Schedule setting out a list of all claims it has pur
    1 point
  14. As there seems to be some issue with signatures I'm posting this thread as a place to point to this spreadsheet: Download v1.9 It works with most versions of Excel for calculating statutory and contractual (compounded) interest and printing a scedule of charges. Any questions feel free to ask.
    0 points
  15. I work in the 'industry' and we have had serious problems getting hold of certain parts of the collection - I will have a look and see which are the worst ones to get. A lot of the problem is that the OF&H partwork is a re-issue of an earlier collection, so those parts that were most popular the first time around are in short supply this time - The Jolly Boys Outing for example is one I seem to remember. The publisher is GE Fabbri - Database Factory are an outsource company handling subscription services. Fabbri's website still indicates that the issues that you are missing are still
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  16. You have the right to have what you have paid for delivered. Set them a time by which to deliver all of the outstanding issues, in writing, and state that if they do not deliver by this time you will hold them in breach of contract and claim a refund. The Distance Selling Regulations (assuming this was done by mail order) gives a trader 30 days in which to complete a contract, i.e. deliver the goods. After this time they are in breach of contract. You won't be entitled to anything over and above the value of the missed copies.
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  17. ok, i'm sure you've read before - hsbc are known for closing accounts on the second claim. as long as you are aware. any chance of a meaningful dialogue with your manager (or someone with a little authority) asking if they wouldn't like to in this instance reverse that charge coming up, as you have filed a claim and wouldn't hesitate to do it again but it seems like a lot of fuss over one charge - and you are hoping to be in a much better financial position in the next few weeks. doesn't hurt to try! they have done it before. or, if they won't, when it comes to an offer with dg - ask the
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  18. Hiya Ohh they like to leave it till the last min, I know quite a few members who like yourself have been put thru it, but not to worry, it will all be over soon & you can go on a spending spree lol You will be ok...trust the members on here, they know what your going thru....
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  19. Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Bank Contact Details
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  20. MY post...chelskitel's THREAD!...lol... To Both: Check out my reference to a post by jonni2bad in #18 of the following link: http://www.consumeractiongroup.co.uk/forum/general/54212-do-i-have-accept.html Hope this helps?!
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  21. Hoogie i think you will need to do 3 sets of your court bundle, send one to the court and one to YB. As there is a lot to print and copy i wouldn't do them just yet as you have a few weeks before they have to be in and YB might settle rather than do a court bundle to send to you, you can download the basic bundle here, there is a list of all doc's that you will need to add to the bundle. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html then just make sure you have everything ready and plenty of ink and paper. Also you might want to copy
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  22. Fireman Sam can you please confirm that this is Drakes and their location ? Thanks Please go and have a look at post 19 in this thread. I would also question as to whether a SAR is needed to obtain a list of charges for the baliffs services and applied in your case. There is a legal requirement for them to provide this anyway,as there is also a table of fees that are chargeable for different actions. They should be your first point of call,since you will need to give them a chance as prev stated to supply this before taking action to force them to do so.
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  23. also see this thread: http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html Hope this is of use
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  24. A while back about 7 odd years ago. I was involved with them. I recieved a phonecall from them to say that i had applied for a car through their agents and so. Isaid i was unemployed and they said we will get our dealer to phone you. My car then had a few problems. Anyway the dealer phoned and i explained that i was on is and he turned around and said you have a high credit score we can give you a car right now. so itrundled off with my paperwork and my px with its mot. they accepted and i signed etc. Only to be sold a writeoff vehicle reg p457 *** which was a escort. Regardless i also found o
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  25. Hi Hughes, Al asked me to take a look at your thread, Firstly don't panic, The statute of limitations allows 6 years from when you became aware of the problem. You have made your SAR so you should receive details back to Dec 2001 and can subsequently claim back to then. I'd be very surprised if they query a couply of months but if they do we just quote sec 36 of the limitations act to them. Thye will have to go into court to dispute it and I doubt they will do that. Please don't mix info between this site and moneyexpert the sites both take a slightly different approach and mixi
    0 points
  26. Hi Welly. While you're waiting for your account details to arrive, spend the time reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions and give you an idea of the procedures you will be following. Read some of the longer threads in the Halifax forum to get a feel for the action. Regarding your account number, probably the assistant having a bad day. Good luck with your claim. Regards, Rooster.
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  27. Hi Basil. First, please edit your post to read...... Your choice of word is potentially libelous. I imagine the problem you're having with the spreadsheet is that you don't have MS Office installed. I suggest that you download the free Open Office spreadsheet program. Then download the open-office version of the spreadsheet template. That should get round your problem. Regards, Rooster.
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  28. Hi Boxer, re your question "does any one know if mortgage account charges come under the same principles".. Simple answer YES Ian
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  29. This was the bundle pre Case Management Conference. Cobbetts Llp Ship Canal House King Street Manchester M2 4WB Dear Sir, Please find enclosed documents prior to the Case Management Conference 2pm 13th October 2006. Copies have been sent to the Court. 1. Claimants further reply to your CPR part 18 2. Claimants reply to your Defence. 3. Witness statement of Claimant 4. Case Management Information Street Yours faithfully Bristol County Court Before His Honour Judge Havelock-Allan QC Between and Case no xxxx
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  30. Hi Sarah, I wouldn't email them anymore, send all letters recorded delivery. Make sure you go online and acknowledge service of the paperwork, this will give you 28 days instead of the usual 14 days. Full instructions should be with the claim. DO NOT send them any money, or bother talking to them. Just send them this letter, and wait patiently. Your Address etc Their Address et. Date Dear Sir In the XXXX County Court (CLAIMANT) -v- (YOUR NAME) Claim Number: (CLAIM NUMBER) REQUEST FOR FURTHER INFORMATION I have today filed th
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  31. Sorry chaps I been out all day and only just got the message......but I have done it now. For future reference Mods are able to move threads change titles and merge threads users cannot. Only Admin can change user names. You are welcome to let me or one of the other Mods know if you see something that needs sorting. Btw I would agree with Bongs reply regarding filing. There is no benefit to splitting them up for the money we are talking about over the 5K. Just also out of interest The 5K ceiling is not absolutely set in stone....the Judge has the discretion to allow amounts
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  32. Another one settled by the Birmingham office... Well done For anyone else looking at this option, of calling them to get a better 'last minute' offer, you should really call the person/number on your offer letter as they have been allocated your case. OK, the Birmingham people seem to be taking the calls and handling them without question - but that could stop if too many are calling there when they shouldn't...
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  33. bill-k have you recovered yet? You are absolutely right. I'm thinking too much into this - when the matter is simple. Keep It Simple Stupid - I mean me not you I'm catching up with my brill solicitor friend tomorrow to go over the whole case (I have stacks and stacks of paperwork prepared) so I'll keep you all informed tried to click your scales again but apparently I gotta share those clicks around a little
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  34. COOL! Congrats to you too as well hunni! I think they are getting the message now don't you! :D
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  35. Hi Team. Margosweeney,don't be frightened by this.All the help you need is here.You will get letters trying to put you off claiming.Scare tactics to make you back down.I personally have'nt had any problems chatting or writing to bank staff.You get the standard 'Go Away ' letter,but you must claim what is rightfully yours.We have all been duped into paying excessive charges for years by the banks.They knew that the charges were Unlawful.Now that they have been caught with their hands in our accounts,we want it back.People have lost homes and families through bad banking practices.They have
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  36. POINT 6 - Probably untrue as our Mr Smith was not registered as practising 2 years ago - checked with Law Society today and he is now registered at Citi's address.
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  37. You're welcome, and thankyou for your donations, they are much appreciated. Good luck and keep us posted.
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