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Popular Content

Showing content with the highest reputation on 21/03/07 in all areas

  1. Due to a lot of queries regarding interest I have designed spreadsheets that attempt to calculate a fair claim. Please ask in this thread if you have any problems with it, and either myself, or someone else will try to help you. These spreadsheets are freely given to help you. Please consider a donation to the site if you decide to use them so that we may continue to help you. Some spreadsheets can now be downloaded, using the links below. Please choose the spreadsheet relevant to your claim - there are different versions depending on if you are in England or Scotland, which spreadsheet package you use, and also whether you are clai
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  2. GETTING MCOL RIGHT If you have a choice, it is always preferable to file using N1 at your local court. The two main disadvantages with MCOL are that your Particulars of Claim are limited to just 1080 characters with a maximum of 24 lines and you cannot attach the schedule of charges to your claim. Both these drawbacks can create problems later on. The banks use these limitations of MCOL to assert, with some justification, that the claim has not been fully particularised. Therefore I would strongly advise you to file at your local court. It will be transferred here eventually anyway. OFT TEST CASE: Following the announcement by the OFT
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  3. Try martin3030 and alanfromderby, they are both brilliant at this, Karnevil too! Karnevil and Martin3030 can usually be found in chatlive
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  4. We obviously sound like dippy birds, and Rosie must get taken more seriously than we do. And BA is always popping up everywhere helping everyone out. But I would be very happy to get just one more BLOB!!
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  5. Hello Steve 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 need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save i
    1 point
  6. hey there there are thousdands of us onthis site so your not alone ! you might need to send them one of the letters form this section of the site http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html
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  7. Hi Flower, Lets get this sorted. It's exactly what was done to DH & I & ours was removed within 2 weeks. I think the defaults originate from our good friend Lesley ;-) One last attempt to turn the knife. 1st, don't deal with collections, they are an entity all to themselves & don't have a clue what to do with regard to anything other than taking debit card details, means statements etc. so cut them out of the loop completely. Phone cutomer services, just the normal YB call centre number & ask to be put through to Clydesdale Customer Services in Glasgow. Carefully note down who you're speaking to up there & state your cas
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  8. This is the thread, claimant is in Scotland and is setting up a London address... http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/73131-english-addresses-scottish-claimers.html?highlight=carlisle
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  9. Haliprats (Brill) do drag it out so you are in for the long haul. Good luck and keep us posted. NEVER GIVE UP
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  10. thereshope, have a look through these :http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526
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  11. Hi Kneale! Try using Mindzai's most excellent user friendly spreadsheet (v1.9), which can be downloaded via a link in his signature in the following thread: http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html If U just input your actual Charges (...The interest on the interest charged on £60 will be negligible!), using the data in the screenshot in your last post, U should end up with final figures of £87.79 if U intend Claiming s69 S.I. @ 8% ...or if U intend Claiming C.I. @ 16.5%APR £145.35 (...both calculated as at today) However... If U Claim C.I., there is an argument for us
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  12. my word, that is shocking.... a clear breach of the administration of justice act. did you do anything about this?
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  13. aha i see the mistake on the one in the above link.. there is a space between wide and .co... [email protected] there thats better.
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  14. Make sure you go to your bank/bs and tell them about this! I think you'ld be better putting a permenant block on MBNA's DD or they will just come and take it and to hell with you, don't think will they/won't they coz they will! When I was having prob's with MBNA they actually 'phoned my work and asked to speak with my manager and then told him to call me to the office to speak with them! If they do steal £120 from your account don't forget the Direct Debit Guarentee Scheme, but it's best not relying on that as you may incur charges. Block it! The prior advise is spot on, wait 'til they sell it on. I got Wescot down to £10/mo for a £4k deb
    1 point
  15. QZ- the way that Bill has outlined is exactly the right way to go about it and he has given you exactly the right reasons for doing so.
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  16. Hi Duke If you need any help you are in very good hands with Bigmac You are also only round the corner from me so if you need help let me know , I`m only in Normanton , small world eh? Jules
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  17. Yes inform them that you are reporting them to the ICO for non compliance. I take it you dont have a figure of how much they owe you as you dont have the statements. so this £200 is the figure they have come up with?
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  18. you'll receive a copy of the defense and your'e aq in the post very soon. start reading up on the filling in - you can even download an aq to practice on - i'll send you the link for it - when i find it!!! Allocation Questionnaires - A guide to completion New strategy for Allocation Questionaires note particularly posts 2 and 3. post 3 - the bit in blue is the wording for section g of the aq (if it's a 149 or section h if it's a 150) that's telling them that you are asking for a draft direction and post 2 - the bit in blue is the actual draft direction which you put on a separate piece of paper - fill in the xxxxxxx's to your own details on bot
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  19. 1 point
  20. Hi and welcome to CAG! Firstly mobile contracts are not covered by the CCA as they are simple contracts so a CCA request is not applicable. You need to send a full SAR (subject access request under the Data Protection Act 1998) to T Mobile with a payment of £10. Use the template letter in the site library but instead of just asking for statements ask for all data, from all relevant filing systems. This should produce a copy of your original contract, your account history (including any charges that may be recoverable) and what the status of account was when sold to Lowell. Don't worry about Lowell's threats - they are just standard intimidation
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  21. hello , i have not sent off a LBA as yet as im not sure how to word it , remember i only ever made one payment to them, total amount owed is £429, i`ve worked out that they need to deduct £216 and i will be left to paythem £213 , im very unsure on how to word the LBA , as it states i will take them to a court claiming the full amount , but i can`t really as i still owe them £213 .sorry but its not making any sense to me! can any one adivse further big headache ,
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  22. can't answer that question because no-one's ever lost yet!! and i don't suppose they ever will. for you to lose, they would have to join you in court - something that they are not prepared to do.
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  23. hi leyh, did the settlement letter they sent to you, there was probably a sentence to the effect that you would not claim again for the period they settled, so i think as you have signed the letter as full and final, you won't be able to take them to court over the same claim - which is what it is. try some more email addresses and see if you get a response - it's so annoying when they don't do what they're supposed to isn't it, but i think they're so snowed under with claims at the moment, they're dealing with the 'further down the line' court stuff. I hope you hear something very soon. emails are [email protected] [email protected]
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  24. There are Rejection letters in the bank templates library. Links below. Tell them to refund all of it or you will take action in the courts if neccesary. Uk
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  25. Hi Setubal Welcome to the forum. Please read the faqs link at the bottom of thiss message. There is also a link there for the templates library, all of the letters are there in order. Please use them and stick to the times given between sending each out. I guess Y B is yorkshire Bank/ if so please start by reading some of the successes in here; http://www.consumeractiongroup.co.uk/forum/yorkshire-clydesdale-bank-successes/ Then start a thread, head it Setubal V Yorkshire bank, in here; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=68
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  26. Fr33jack - i've got a corker of a reply for you. too late tonight, but rest assured, it'll get you on the road to recovery. Till the morning Perseus.
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  27. Oh God, my heart goes out to you all. Even more so, because I cannot advise on any sure-fire steps which you could take to remedy this situation. All I know is that you have to act quickly and make a lot of noise in your housing dept as your mum's house can be allocated to other HA tenant. In myopinion plead, write, call, buy flowers and chocolate, see your MP. Tell them that if your mum is not given her home back, she will only be back to the housing dept to present herself as homeless. Do not let them convince you that she would be found "intentionally homeless"- this is where the local authority claims that it was your mum's fault. Do not think that
    1 point
  28. Hello and Welcome Shazza. Take some time to read all the F.A.Q.s and step-by-step instructions. Have a look in Barclays Forum, read a few threads then start one yourself. Also look in the Barclays sub forum successes big list of Winners in there. Best wishes with your claim. Regards. Scott.
    1 point
  29. Hi, my heart bleeds for you. Like Karnevil, I was in this position too. Just to expand Karnevil's reply a little, the CCCS's details are below in full... ---------- Our FREEPHONE helpline is open from 8am to 8pm Monday to Friday If you want to write to us our mailing address is: Consumer Credit Counselling Service Wade House Merrion Centre Leeds LS2 8NG CCCS - Contact Us ---------- Once you have contacted them they will give you a unique reference number which you can quote to your creditors, at which point their attitude will
    1 point
  30. Hi mate, Only communication I had from Cetelem was the DPA SAR info, a cheeky feck off letter and 2 cheques once I served a decree on them. Mine too was passed on to Lowell who I managed to totally drop there annoying habit of chasing me for money. I had a very long thread of my battl ewith Cetelem and lowell but had to remove most of it as cetelem indicated to me they had been reading it. Heres whats left of my thread against Lowell... http://www.consumeractiongroup.co.uk/forum/legalities/42022-cca-non-comp-gargoil.html Best idea for dealing with people like Lowell is read as much as you can on this forum so that you can role a lot of th elegislat
    1 point
  31. OK - I've got the figures, mate, and I'll get back to you soon. No, when we claim CI, we are charging the bank interest on the money they have been keeping. Because we are charging them that interest today, then we charge them at the current contractual rate which they are charging for the same kind of unauthorised borrowing. The general opinion here is that charging any rate other than the current one is incorrect, and will not be seen as correct by the court. The greater justice is in charging what they would charge you, contractually. That is fairness and balance, IMO. You will quite possibly be offered a lower amount by the bank, and that is the
    1 point
  32. PM it to me and I'll give it a once-over if you'd like.
    1 point
  33. S.A.R. all the original creditors, then claim the refund of charges from these accounts with contractual interest to get as much refund as possible. If the refund wipes out the debt you are laughing, if not it reduces it somewhat I have around 10/11 creditors and they will all be getting the same treatment and I have let them know this too! I think what got me really *issed was when barclays/1st credit threatened me with bankruptcy for a £1400 debt Even though the debt is now owned by the DCA, IF YOU PAID ANY/ALL MONIES TO THE ORIGINAL CREDITOR then stick the claim to them. Will post a few threads, am butting in on this one!!
    1 point
  34. you can record any of your telephone calls as long as you are one of the parties. As a private individual you do not have to say you are recording the call.You may not let anyone else listen to the recording without the other persons permission but you may write out a transcript. In my experience it is sometimes worth saying you are recording the call and asking them if they object as the service you then get is unbelievable and they can't do enough for you
    1 point
  35. I addition to Harvest comment i had a second lot of statements from FD a week after the first and as i was out when the courier tried to deliver they went to my next door neighbours house and they signed for them. Bit of a security breach there i think. Especially as i had to do a 30 mile round trip to go to the courier's depot to pick the first lot up and i had to produce ID. Same courier company both times. Consistentcy doesn't seem to be around does it? Good luck TINHAT with your claim.
    1 point
  36. Welcome to the group "standingupformyself", The best way to get feedback on your specific claims is to start your own threads on each claim, by the way. The banks and CC's take varied amounts of time to reply. I am currently pursuing the same 2 companies as yourself - MBNA and Abbey. MBNA responded in time, but incorrectly, and Abbey failed to reply in time so I have sent an LBA (a Letter Before Action) today. If you search for my username, you will find these threads. The 40 days DOES include weekends. Get them sent by recorded post and give it 40 days from when they are recieved. You can check the recorded post receipt via the Royal
    1 point
  37. It's true - let them take as long as they want to investigate - you raise your claim in your own timetable...and they may realise that their investigation is a waste of time...they will be refunding you anyway...good luck.
    1 point
  38. Hi there Good to see you've joined the site. You'll get lots of helpful advice here. Keep us up to date with how things go. Louise x
    1 point
  39. Hi Tinhat To answer your questions. 1. The 40 days are from the date they received the letter (if you sent if special delivery or signed for you can count this from the day after you posted it. 2. I received my statements by courier within 7 days. 3 Weeks later I received them by courier (again). 3. You do have to sign for them (I don't think it can be someone else but might depend on the courier service). If you're out they'll leave instructions for you to collect them from the courier's depot or a mutually convenient time for them to re-deliver the parcel. I had to show ID to the courier that delivered my statements to prove I was the a
    1 point
  40. If you are ready to file you can do it one of two ways: 1) Using an N1 form and dropping it in to your local county court, see here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html for N1 with form filling or hear for a hard copy: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html 2) You may want to use MCOL (money claim online) see here: https://www.moneyclaim.gov.uk/csmco2/index.jsp You will need to add a POC or particulars of claim however if you use MCOL there is limited space so you will need to use this: http://www.consumeractiongroup.co.uk/forum
    1 point
  41. finger's crossed that you get a little something in the post this weekend then rg
    1 point
  42. A complaint to: Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF Remember to include copies of all correspondence with Barclaysharks. Also the letter in the templates library ought to focus their minds. All the best, Paul
    1 point
  43. They have paid up!!! I think I have got 7.75% contractual interest compounded. I claimed £4949.90 and they have paid in £4962. After all the complicated arguments about unauthorised contractual interest, I am not going to go back for more. I don't understand all the arguments and I'm not about to look a gift horse in the mouth. Please can a mod transfer this to the "I've WON!!" thread. DelightedDollyDayDream. :D
    1 point
  44. If you claimed the interest on your claim form, you should insist on it in settlement - the cheeky beggers are trying it on. Tell them you won't withdraw your claim untill you receive a full settlement.
    1 point
  45. WOW they did reply fast! Just put it in your LBA that the offer is not acceptable and that you will be commencing legal action if they do not pay the full sum withtin 14 days. Just reword the LBA a little to fit that in
    1 point
  46. Hi Amanda If you have already replied to an offer and it was not suitable go ahead with your court action. AL:)
    1 point
  47. Hiyas - 1st time posting - be gentle wit me Received letter thur zackly same as urs amanda just a bog standard "sorry u dissatissfied - complaints procedure encl blah de blah etc" telling me would aim to resolve issue by 20th march. Am kinda assummin that should reply adding thanks to the positive response etc but that we ave set the deadlines not them and that they actually only ave approx one more week b4 2nd letter issued allowing another 14 days to respond - also - surely should comment in our reply that in fact we not filed a complaint but ave simply requested back whats owed, so they must unfortunately be confused (heavy hints of sarcasm at thi
    1 point
  48. Use the Churchill Place Address from now on Amanda Delboy
    1 point
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