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Showing content with the highest reputation on 19/04/07 in all areas

  1. 2 points
    Sounds good to me, worth doing him the odd favour and putting yourself out then. It hasn't made you reconsider moving has it? :D Matt
  2. 1 point
    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, as from August 13th, all bank charge claims filed at MCOL are being automatically stayed. Therefore it is advisable only to file a claim using N1 at your local court You can download N1 here: N1 Claims form in .PDF format with form filling and POC's for the N1 here: 4. Particulars of claim - N1 - hard copy version Even these POC's are sometimes rejected by judges, so if you are filing at your local court, you may want to consider using a fuller version. See here New POC's: There are now new comprehensive Particulars of Claim written by a QC specifically for the following banks: Abbey A&L Barclays Co-op Halifax HSBC Lloyds Natwest Royal Bank of Scotland Yorkshire See here: http://www.consumeractiongroup.c o....lates-library/ If you are on benefits, you may be eligible for exemption from court fees. You can only apply for this at your local court using form Ex160. Claiming via MCOL If you register at MCOL you can fill in the claim forms in advance (all fairly straightforward). At any time you can save what you've done. Each time you complete a page, it is automatically saved and there is a ‘Save’ button on each page. You can then ask about anything you're unsure of on your thread. When you log on again, you can delete or amend anything if necessary and carry on. Your claim isn't filed until you hit the final 'Submit' button and pay the court fee. Any part filled claim form is saved for 28 days. This means that you can prepare the claim for filing several days in advance, taking your time to make sure you get it right. First read the Money Claim On-line guide here: Her Majesty's Courts Service This is where you start your claim: https://www.moneyclaim.gov.uk/csmco2/index.jsp 1.On the Home Page click on ‘I am a new claimant’. On subsequent visits click on ‘I am an existing claimant’ 2. On the next two pages are information and instructions, including how to save and print out a copy of your claim, which you should read carefully. Don’t be tempted to skip these. 3.Fill in the ‘Log In Registration Details’. Before you do anything else, make a note of these. You will need your Customer ID and Password to log on in future. 4. Optional Registration Details: All these are, well, optional. 5. Registration Confirmation of your Customer ID. 6. Log on with your Customer ID and Password. (You did note these, didn’t you?) 7. Claim Menu: Click on ‘ Start a New Claim’. On subsequent visits click on ‘Continue with an existing claim’ (1) Claim Notes: Again read these carefully (2) Claim Description: Enter any title you like for your claim e.g. ‘Natwest Penalty Charges’ (3) Claimant Details: Your name and address NB Scottish Claimants: If you are filing a claim on MCOL and your registered address is in Scotland you must put the Scottish address in the first "Address Details" field. In the next field entitled "Service Address for sending documents and payments" field you must then place an address in England or Wales. If you simply place the English address in the main address details section the bank's defence will suggest they do not recognise you. (4) Defendant Details: The bank’s name and address of their registered office. You may be asked to confirm the post code by clicking on ‘Look Up’ and confirming their address (5) Claim Details: Type in your Particulars of Claim. See here: 5. Money Claim On-Line (MCOL) Particulars of Claim Click No to Human Rights and Yes to claiming interest. If you have already included the s69 paragraph in your POC’s, you can ignore the pop-up. Otherwise enter this now and fill in the first and last dates of your charges and the s69 8% interest total. If you have difficulty fitting the POC’s in, try taking out any spaces, punctuation and carriage returns. Do not be tempted to remove any wording. If all else fails, file using N1. Amount claimed: Enter the total of your claim, charges and interest. Press ‘Calculate’ for the correct court fee. Now save your claim. Your claim is ready to submit but first go back and double check everything. For instance make sure you have entered yourself as Claimant and the bank as Defendant. Ensure that your a/c no, dates and figures are correct. Then proof read the entire claim for typos. (6) The next pages are payment details. You can either pay by Mastercard/Visa credit card or Solo/Switch/Visa Delta debit card. Maestro or Visa Electron is not accepted Cancelling A Claim If you pressed submit in error and your claim has gone through, you can stop it by contacting MCOL by fax or email before 10am the next woorking day. You must quote your claim number, name and address, who your refund should be made payable to, and the reason why. Your claim will be withdrawn and a refund sent out by payable order. Where MCOL receive notification too late, the claim will be issued and the fee cannot be refunded After You Have Issued Your Claim Your POC's state that you will be supplying a schedule of charges, but MCOL does not allow you to attach it to your claim at the time of filing. So, once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to: Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. Their name and address will be on page 2. MCOL Customer Help Desk The Customer Help Desk can be contacted for support between 9:00am to 5:00pm, Monday to Friday on: Tel : 0845-601 5935 Fax : 0845-601 5889 If you prefer to write your query instead, please contact: Money Claim Online Northampton County Court 21-27 St. Katharine's Street Northampton NN1 2LH or e-mail to customerservice.mcol@hmcourts-service.gsi.gov.uk Finally PM a Mod with details of your claim for the Litigation in Progress forum: Your name v Bank Name Claim number: XXXXXX Issued: xx/xx/xx Court: MCOLor XXXX County Court Charges: £XXXX Interest: £XXX Costs: £XXX Total Claim: £XXXXX MCOL Claim Timetable: Once you file your claim, you will see this: Status: Requested Your claim has been submitted to the court for final validation before being issued. Then, usually a day later, it reverts to this: Status: Issued Your claim request has been accepted. The Defendant has 14 days from the date they are served with the claim, to reply. The court will send you a “Notice of Issue”. The deemed date of service will be on the Notice of Issue sent to you by the court. The court allows five days for the claim to be deemed served, even if the bank acknowledges before the five days are over. If the bank does not reply within the 14 days after the claim was deemed served, you can enter judgment by default. Status: Acknowledged If the bank acknowledges at any time within those 14 days, they now have 28 days from the date of service of the claim form to file a defence. The court will send you a “Notice that Acknowledgement of Service has been filed”. If the bank don’t defend, you can enter judgment by default after the 28 days are up. If that date falls on a weekend, the court allows one or two extra days for them to respond. You will know if you are too early, as the system will simply not allow you to enter any judgment before the time is up. Status: Defence If the bank defends before the 28 days are up, you cannot enter judgment or do anything else online anymore. The court will send you a “Notice of Defence”. If the bank is just biding time before they send you a cheque (and have told you so in a letter already), you might be sent a “Notice of Defence that Amount Claimed Has Been Paid”. You have to tick the box whether you wish to proceed with the claim or not. Wait until you have the money in your account, then send the form back. You are given a month to do so. If the bank defends with the purpose to go to court, you will be sent an Allocation Questionnaire which you have to fill in and send back to the court. A court date will then be set which you are required to attend. The bank will either settle with you in any way before the court date, or they will not turn up on the day and you will win by default. All timescales are calendar days, should the due date fall on a weekend/ bank holiday, they have until the next working day. ***31st MARCH: NEW AQ PROCEDURE BY MCOL*** MCOL have started to issue Orders dispensing with the AQ. See here: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html PLEASE BE AWARE THAT EVEN IF THE AQ IS DISPENSED WITH, THE AQ FEE OF £100 (IF CLAIM OVER £1500) IS STILL PAYABLE (AND RECLAIMABLE FROM THE BANK). The fee is payable within 14 days after the despatch of the notice of allocation to track (County Courts Fees Order 1999 Schedule 1). Credit Reference Agencies: Application Forms http://www.callcredit.co.uk/download/creditfileapp.pdf http://www.experian.co.uk/downloads/consumer/cfa.pdf https://www.econsumer.equifax.co.uk/...ile%209-05.pdf *
  3. 1 point
    The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links. In addition there is the ConsumerWiki A -Z here: http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html Please PM me or a Mod if you find any bad links or would like to add any other useful links If you are new to forums this thread will be invaluable: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html It shows you how to: Create and Reply to a thread Quote and Mutiple Quote from another thread Subscribe to a thread Search the forums Report a post User control panel Settings & Options Finding a post/thread Posting links Send PM's (Private Messages) Attach documents Abuse of the Court System: How to Complain http://www.consumeractiongroup.co.uk/forum/campaign/97712-complain-about-litigation-behaviour.html Account Closures: What to do http://www.consumeractiongroup.co.uk/forum/bank-templates-library/106950-what-do-if-your.html Account Closure: A & L Fined by FOS. How to Complain http://www.consumeractiongroup.co.uk/forum/general/63646-alliance-leicester-fined-fos.html Account in Dispute Letter Account_in_Dispute Advantage Gold & Natwest Charges Explained http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html Allocation Hearing: Witness Statement http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115059-allocation-hearing-witness-statement.html Allocation questionnaire http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=9 Allocation Questionnaire - N149 on-line PDF Version http://www.hmcourts-service.gov.uk/courtfinder/forms/n149_1105.pdf Allocation Questionnaires - A guide to completion: N149 & N150 http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html Allocation Questionnaire - Draft directions order http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html Allocation Questionnaires and Stays - Important Information http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-important-info-regarding-stays.html Allocation Questionnaire - Stays & Strike Out http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-aqs-stays-strike-out.html Allocation Questionnaire - Dispensing With the AQ http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html Allocation Questionnaire - Dispensing With AQ: Action to Take http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html?highlight=dispensed Amending a Claim: Guide http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47344-claim-too-vague-defence.html Australian Penalty Fees Report http://www.govanlc.com/clcv20unfairfeesreport.pdf Australian Penalty Fees Report - Summary http://www.consumeraction.org.au/downloads/DL29.pdf Bailiffs Bailiffs - Consumer Wiki BAILIFFS AND SHERIFF OFFICERS FORUM http://www.consumeractiongroup.co.uk/forum/baliffs-sheriff-officers/ Bailiffs, types of and their fees http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33623-types-bailiffs-their-fees.html Bailiffs: Letter to Refer A/c Back to Council Bailiffs: Council Tax Template Letter Bailiffs: Certification Bailiffs: Check a Bailiffs Credentials Bailiffs: Code of Practice Bailiffs: Code of Practice Bailiffs: Complaints Bailiffs: Complaint about Certified Bailiff Bailiffs: Stop Council Tax Enforcement Bailiffs: Council Tax - Stop Enforcement Bailiffs: Council Tax Template Letter Bailiffs: Council Tax Template Letter Bailiffs: Fees Bailiffs: Detailed Assessment of Fees Bailiffs: Get the Bailiff to Pay Off Your Debt Bailiffs: Get The Bailiff to Pay Off Your Debt Bailiffs: Invalid Walking Possession Bailiffs: Invalid Walking Possession? Bailiffs: Irregular Distress Bailiffs: Irregular Distress Bailiffs: Letter to Hand to the Bailiff Bailiffs: Letter for Council Tax Bailiff at Your Door Bailiffs: Complaints Bailiffs: Make a Complaint About a Certified Bailiff Bailiffs: Declaration of Ownership of Goods Bailiffs: Ownership of Goods Bailiffs: Paying During Removal of Goods Bailiffs: Paying During Removal of Possessions Bailiffs: SAR Bailiffs: Subject Access Request Bailiffs: Various Template Letters Bailiffs: Useful Template Letters Bailiffs: Valid Walking Possession? Bailiffs: Valid Walking Possession Bailiffs: Know Your Rights Bailiffs: What They Can & Can't Do Bank Account criteria chart Bank Accounts BANK ACTION GROUP FORUM ABBEY http://www.consumeractiongroup.co.uk/forum/abbey-bank/ Cahoot http://www.consumeractiongroup.co.uk/forum/cahoot/ ALLIANCE & LEICESTER http://www.consumeractiongroup.co.uk/forum/alliance-leicester/ BARCLAYS BANK http://www.consumeractiongroup.co.uk/forum/barclays-bank/ Barclaycard http://www.consumeractiongroup.co.uk/forum/barclaycard/ The Woolwich http://www.consumeractiongroup.co.uk/forum/woolwich/ COOPERATIVE BANK http://www.consumeractiongroup.co.uk/forum/cooperative-bank/ Smile http://www.consumeractiongroup.co.uk/forum/smile/ HALIFAX BANK http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/ Intelligent Finance http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/ HSBC BANK http://www.consumeractiongroup.co.uk/forum/hsbc-bank/ First Direct http://www.consumeractiongroup.co.uk/forum/first-direct/ HFC (Household) http://www.consumeractiongroup.co.uk/forum/hfc-household/ LLOYDS BANK http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ NATWEST BANK http://www.consumeractiongroup.co.uk/forum/natwest-bank/ THE NATIONWIDE http://www.consumeractiongroup.co.uk/forum/nationwide/ ROYAL BANK OF SCOTLAND & BANK OF SCOTLAND http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/ YORKSHIRE BANK & CLYDESDALE BANK http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/ OTHER BANKS/INSTITUTIONS http://www.consumeractiongroup.co.uk/forum/other-institutions/ Capital One http://www.consumeractiongroup.co.uk/forum/capital-one/ CitiCards http://www.consumeractiongroup.co.uk/forum/citicards/ Egg http://www.consumeractiongroup.co.uk/forum/egg/ MNBA http://www.consumeractiongroup.co.uk/forum/mbna/ Mortgage Companies http://www.consumeractiongroup.co.uk/forum/mortgage-companies/ Store Cards http://www.consumeractiongroup.co.uk/forum/store-cards/ BANK CHARGES IN PRINT FORUM http://www.consumeractiongroup.co.uk/forum/bank-charges-print/ Bank Charges - Guide to Reclaiming http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html Banking Code of Practice: Personal Customers http://www.bankingcode.org.uk/pdfdocs/PERSONAL_CODE_2008.PDF Banking Code of Practice: Guidance for Subscribers (Banks) http://www.bankingcode.org.uk/pdfdocs/PERSONAL_CODE_GUIDANCE_2008.PDF Banking Code of Practice: Business Accounts http://www.bankingcode.org.uk/pdfdocs/BUSINESS_CODE_2008.PDF Banking Code of Practice: Business Guidnace for Suscribers (Banks) http://www.bankingcode.org.uk/pdfdocs/BUSINESS_CODE_GUIDANCE_2008.PDF Bank Surve http://www.consumeractiongroup.co.uk/survey.php BANK TEMPLATES LIBRARY http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Bankruptcy: protracted realisation unit & bankrupts http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/22342-bankruptcy-protracted-realisation-unit.html Benefits ? Is the bank taking your http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/36790-bank-taking-your-benefits.html Bill of Sales http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/112358-bill-sales-repossession-goods.html Brighthouse Stores (formerly Crazy Georges) Fact Sheet http://www.consumeractiongroup.co.uk/forum/brighthouse/130871-brighthouse-stores-formerly-crazy.html Budget Planner: Excel or Online The Budget Planner: Free tool and guide to managing your money... Business Claim - FAQ's http://www.consumeractiongroup.co.uk/forum/bank-templates-library/105213-guide-business-claims.html Business version letter to your bank - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/486-sample-letter-your-bank.html CAG RADIO FORUM http://www.consumeractiongroup.co.uk/forum/cag-radio/ Callcredit - Application Form Page Not Found CAMPAIGN FORUM http://www.consumeractiongroup.co.uk/forum/campaign/ Can I Claim Beyond 6 Years http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6 Case guidance notes - bringing your case to court http://www.consumeractiongroup.co.uk/forum/guidance-notes/637-case-guidance-notes-bringing.html Case Guidance notes - Going to court http://www.consumeractiongroup.co.uk/forum/guidance-notes/641-case-guidance-notes-going.html Case Guidance notes - making a deal http://www.consumeractiongroup.co.uk/forum/guidance-notes/675-case-guidance-notes-making.html Case guidance Notes - making a familiarisation visit http://www.consumeractiongroup.co.uk/forum/guidance-notes/731-case-guidance-notes-making.html CASES LIBRARY http://www.consumeractiongroup.co.uk/forum/cases-library/ Charges- Different Descriptions by the Main Banks http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/92004-charges-can-claimed.html#post867497 Charging Orders : A Guide http://www.consumeractiongroup.co.uk/forum/legal-issues/203298-guide-charging-orders-orders.html Cheap/free calls- if you are spending too much phoning banks http://www.consumeractiongroup.co.uk/forum/helpful-external-links/38-cheap-free-calls-if.html Civil Procedure Rules - and forms - a five star site ***** http://www.consumeractiongroup.co.uk/forum/helpful-external-links/169-civil-procedure-rules-forms.html Comet http://www.consumeractiongroup.co.uk/forum/comet/ Complaining – A Comprehensive Guide http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/51998-how-complain-comprehensive-guide.html Complaints About Threads/Posts/Users http://www.consumeractiongroup.co.uk/forum/general/66282-cag-how-complain.html?highlight=CAG+how+to+Complain Companies House - search for a company http://www.consumeractiongroup.co.uk/forum/helpful-external-links/1458-companies-house-search-company.html Competition Commission. Essential report http://www.consumeractiongroup.co.uk/forum/helpful-external-links/44049-competition-commission-essential-report.html Consumer Credit Act (1974) http://www.consumeractiongroup.co.uk/forum/statutes-library/27535-consumer-credit-act-1974-a.html Consumer Credit Agreements: Example Agreements http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements.html ConsumerWiki - A-Z Index http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html Contact Details For Banks http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Contracts (Rights of Third Parties) Act 1999 http://www.consumeractiongroup.co.uk/forum/statutes-library/2647-contracts-rights-third-parties.html Contractual Interest - Arguements For & Against http://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html Consolidated Loans Consolidated Loans Consumer Protection from Unfair Trading 2008 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/146460-consumer-protection-unfair-trading.html Consumer Protection from Unfair Trading: Complaint Letters http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/ Costs: Template Application Letter http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html Costs : Wasted Costs Order http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html County Court fees and exemptions http://www.consumeractiongroup.co.uk/forum/helpful-external-links/63-county-court-fees-exemptions.html Court Bundle - Basic http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Court Bundle -Advanced http://www.consumeractiongroup.co.uk/forum/bank-templates-library/111522-advanced-court-bundle.html Court Bundle - Examples of Witness Statement, Document list etc http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html Court Bundle - Witness Statements Abbey Court Bundle & Witness Statement Lloyds Witness statement Court Bundle - Make Sure You Read This http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094 Court Bundle - Non-Compliance Template If Bank Fails to Submit Bundle http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post485266 Court Buddy -Register as a http://www.consumeractiongroup.co.uk/regbuddy.php Court Buddy - Find a http://www.consumeractiongroup.co.uk/buddy.php Court Date - Advice http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html Court Date? - A Guide to Different Hearings http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html Court Guidance Notes http://www.consumeractiongroup.co.uk/forum/guidance-notes/ Court Fees - Do you have to pay them? http://www.consumeractiongroup.co.uk/forum/helpful-external-links/2147-court-fees-do-you.html Courts Service information and links to useful documents http://www.consumeractiongroup.co.uk/forum/helpful-external-links/13-courts-service-information-links.html Costs: Application For Costs in Small Claims http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html#post563326 Credit Agreement Requests;Basic Information http://www.consumeractiongroup.co.uk/forum/legal-issues/131982-basic-information-credit-agreement.html Credit Cards:Who Owns Who Credit Cards: Who Owns Who Credit Reference Agencies: Application Forms Page Not Found http://www.experian.co.uk/downloads/consumer/cfa.pdf https://www.econsumer.equifax.co.uk/consumer/uk/uib/images/EFX_UK/en_GB/your%20equifax%20credit%20file%209-05.pdf Credit/Store Card Letter Template (thanks Bookworm01036) http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html Creditors and DCAs - Letter Templates & Budget Planner http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html Letter A - Ask your creditors to hold action on your account Letter B - Ask your creditors to accept pro rata offers of payment on your debts Letter C - Ask your creditors to accept a token payment or no payment on your debts Letter D - When a creditor refuses your offer of payment Letter E - When a creditor refuses to freeze interest on your account Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court. Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court Letter H - When a creditor asks you to agree to a voluntary charge against your home Letter I - Request for a stay of execution in the High Court Letter J - Full and final settlement for any debt Letter K - Ask creditors to write off the debt due to your circumstances Letter L - Ask your creditors to reconsider if they refuse to write off the debt Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974 Letter O - Mortgage shortfalls: Breakdown of balance owed Letter P - Mortgage shortfalls: Please write off the debt Letter Q - Mortgage shortfalls: Full and final settlement letter Letter R - Mortgage shortfalls: Lender should not pursue under CML policy Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement Credit Scoring Credit Scoring - Consumer Wiki Currys http://www.consumeractiongroup.co.uk/forum/currys-dixons/ CUTTING AND SOUNDFILES LIBRARY http://www.consumeractiongroup.co.uk/forum/cuttings-soundfiles-library/ CYNtheSYS - Clydesdale & Yorkshire Costs Breakdown http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/78681-clydesdale-yorkshire-northern-system.html Data Controller , Find the address for the http://www.consumeractiongroup.co.uk/forum/helpful-external-links/26909-find-address-data-controller.html Data Protection Act notice S10 - if you have been defaulted for unlawful penalties http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html Data Protection Act - Taking a Case to Court http://www.consumeractiongroup.co.uk/forum/helpful-external-links/7054-data-protection-act-taking.html Data Protection Act 1998 http://www.consumeractiongroup.co.uk/forum/statutes-library/91-data-protection-act-1998-a.html Data Protection Act, Subject Access Request letter - List of charges http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516- Data Protection Act - Non-Compliance - Template Letters http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html Data Protection Act Non-Compliance - Particulars of claim http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html 1-data-protection-act.html DCA’s Address & Contact Details http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/14775-dcas-address-contact-details.html DCAs and Creditors - Letter Templates & Budget Planner http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html DCA's: Dealing With Phone Calls http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131475-dealing-dcas-phone-calls.html DCA: Getting Them To Reveal Their Vitals. Using CPR 31.14 to Your Advantage DCA: Using CPR 31.14 to Your Advantage DEALING WITH DEBT IN SCOTLAND FORUM http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/ Debt - A Glossary of Terms http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23991-debt-glossary-terms.html DEBT ADVICE FORUM: http://www.consumeractiongroup.co.uk/forum/#black-consumer-forums-center DEBT: LEGAL ISSUES FORUM http://www.consumeractiongroup.co.uk/forum/legal-issues/ Debt: A - Z of Debt Terminology http://www.consumeractiongroup.co.uk/forum/general-debt-issues/161658-z-debt-terminology.html Debt: Where to Get Help Debt: Where to Get Help - Consumer Wiki Debt: How to Get Out of http://www.consumeractiongroup.co.uk/forum/getting-out-debt/120603-how-get-out-debt.html?highlight=How+to+get+Out+of+Debt Debt Handbook: Useful Guide & Advice The Debt Handbook Debt: Letter Templates http://www.consumeractiongroup.co.uk/forum/letter-templates/ Debt Management Plan Debt Management Plan Defaulted, I have been http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=7 Defaults & Data Protection Issues http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/ Defaults – A Removal Method & Template Letters http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html Delayed Flight Compensation EU http://www.consumeractiongroup.co.uk/forum/holiday-companies/17177-delayed-flight-compensation-eu.html Digital signature Guide http://www.consumeractiongroup.co.uk/forum/general-debt-issues/110578-digital-signature-guide.html?highlight=Digital+signature Direct Debit Guarantee http://www.consumeractiongroup.co.uk/forum/helpful-external-links/194-direct-debit-guarantee.html Directions Non-Compliance Letters http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-directions-non-compliance-letters.html Disability Discrimination Acts -1995 and 2005 http://www.consumeractiongroup.co.uk/forum/statutes-library/3708-disability-discrimination-acts-1995-a.html Disrepair in Private Rented Accommodation http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/74057-disrepairs-privately-rented-accommodation.html#post641938 Dixons http://www.consumeractiongroup.co.uk/forum/currys-dixons/ DOCUMENTS LIBRARY - 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Credit Card Report Summary http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf OpenOffice - Free Alternative to Excel for PC's OpenOffice.org - The Free and Open Productivity Suite OpenOffice - Free Alternative to Excel for Mac's http://www.versiontracker.com/dyn/mo...acosx/10209910 Other Stores http://www.consumeractiongroup.co.uk/forum/other-stores/ Parachute account?, Do you need a http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html Package Travel, Package Holidays and Package Tours Regulations 1992 http://www.consumeractiongroup.co.uk/forum/holiday-companies/4470-package-travel-package-holidays.html PARKING / TRAFFIC WARDENS FORUM http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/ Parking Tickets - Private: Everything You Need to Know http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/65341-private-parking-companies-charges.html Parking Tickets - Private: Template Letters http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/119802-private-parking-tickets-template.html Parking Tickets: Changes to Parking Laws from April 2008 http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/129585-changes-dpe-april-08-a.html#post1363442 Parking Tickets: Council Fine, But no PCN or NTO http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/131121-council-parking-fine-but.html#post1378143 New POC's for Bank Charges: Abbey, A&L, Barclays, Co-op, HSBC, Lloyds, Natwest,RBS & Yorkshire http://www.consumeractiongroup.co.uk/forum/bank-templates-library/107566-bank-charge-poc-n1.html New N1 POC's for Credit Cards: Abbey, Barclaycard, Capital One, Citicard, Co-op, Egg, Lloyds, Natwest http://www.consumeractiongroup.co.uk/forum/bank-templates-library/122528-credit-card-charges-poc.html Particulars of claim - N1 - hard copy version http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html PCWorld, http://www.consumeractiongroup.co.uk/forum/pcworld/ Posts: How to make http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html PPI FORUM http://www.consumeractiongroup.co.uk/forum/ppi/ PPI: Guide to Making a Claim http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html#post514670 PPI: Draft POC's http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/123886-poc-ppi-do-we.html PPI Calculator http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/152816-download-ppi-calculator-here.html#post1624569 Preliminary Approach Template Letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Private Messages, Asking questions by http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/14608-asking-questions-pm.html Private Messages, Receiving http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/15742-receiving-personal-messages-pms.html Record your Internet telephone conversations with the Bank http://www.consumeractiongroup.co.uk/forum/helpful-external-links/39-record-your-internet-telephone.html Record your telephone conversations with the bank http://www.consumeractiongroup.co.uk/forum/helpful-external-links/19-record-your-telephone-conversations.html Rejection of settlement offer http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Representation at Court http://www.consumeractiongroup.co.uk/forum/lloyds-bank/100066-can-someone-else-represent.html#post938013 RESIDENTIAL & COMMERCIAL LETTINGS FORUM http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/ Right of Appropriation Letter - Stop bank from taking your money http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html Rules of Engagement http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=7 Reputations http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/22998-information-about-reputations-site.html RETAIL STORES FORUM http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/ Sale and Supply of Goods Act 1994 http://www.consumeractiongroup.co.uk/forum/statutes-library/2615-sale-supply-goods-act.html Sale and Supply of Goods to Consumers Regulations 2002 http://www.consumeractiongroup.co.uk/forum/statutes-library/2616-sale-supply-goods-consumers.html Sale of Goods (Amendment) Act 1995 http://www.consumeractiongroup.co.uk/forum/statutes-library/2614-sale-goods-amendment-act.html Sale of Goods Act 1979 as amended http://www.consumeractiongroup.co.uk/forum/statutes-library/42-sale-goods-act-1979-a.html SOGA - Basic Rights http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/117106-sale-goods-basic-guide.html Scottish Small Claims Procedure - Act of Sederunt 2002 http://www.consumeractiongroup.co.uk/forum/statutes-library/162-scotish-small-claims-procedure.html SCOTLAND FORUM http://www.consumeractiongroup.co.uk/forum/scotland/ Scotland, £750 - £1500 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=3 Scottish Civil Procedure - some tips from Govan Law Centre http://www.consumeractiongroup.co.uk/forum/helpful-external-links/441-scottish-civil-procedure-some.html Scottish Court Service http://www.consumeractiongroup.co.uk/forum/helpful-external-links/161-scottish-court-service.html Scottish Debtline Scottish Debtline - Homepage Scottish Limitation Period Extended http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/3099-scottish-limitation-period-extended.html Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Settled Claims List lit settled.xls Litigation Section - View and print out litigation spreadsheets here Settlement letter to the Court http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post487345 Site Map http://www.consumeractiongroup.co.uk/forum/sitemap/ Small Claims Advice from The Citizens Advice Bureau http://www.consumeractiongroup.co.uk/forum/helpful-external-links/12-small-claims-advice-citizens.html Spreadsheet of Settled Claims http://www.consumeractiongroup.co.uk/forum/general/64871-spreadsheet-claims.html Spreadsheet with interest http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Spreadsheets: Vampiress' Google Spreadsheets VAMPIRESS'S CHAMBER OF "CONSUMER ACTI... Spreadsheet : Alternative to Excel http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html Spreadsheet: Mindzai's Excel Contractual U_Mindzias Compound Sheet***Audio Song | Movies |Free File Hosting, Software & MP3 Downloads, Free File Sharing - Ziddu Spreadsheet: Online & Simple to Use iCalculate STATUTES LIBRARY http://www.consumeractiongroup.co.uk/forum/statutes-library/ Statute Law Database Home - Statute Law Database Statutory Interest in your CCJ?: Are they entitled to claim http://www.consumeractiongroup.co.uk/forum/legal-issues/129731-they-entitled-claim-statutory.html Statement of Evidence - for Draft Direction Order http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-3.html#post482194 Stay: Application for removal of http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html Stay: Application for removal of: UPDATED http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820 Stay: Application for Removal on Hardship Grounds http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115059-allocation-hearing-witness-statement.html Stays re: OFT Test Case - Info & Guidance http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html Stay: Hearing Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/114505-bundle-stay-hearing.html Stay: Skeleton Arguement http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115276-skeleton-argument-stay-hearing.html Stay: Credit Card claim: Letter of Objection http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/114308-objection-stay-credit-card.html STEP-BY-STEP INSTRUCTIONS http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html Guide to Reclaiming Bank Charges http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html STUDENTS FORUM http://www.consumeractiongroup.co.uk/forum/students/ Supply of Goods and Services Act 1982 http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html Sale of Goods Act 1979 as amended http://www.consumeractiongroup.co.uk/forum/statutes-library/43-supply-goods-services-act.html Sale of Goods Act: Guide to Consumer Rights http://www.consumeractiongroup.co.uk/forum/retail-stores-forums/117106-sale-goods-basic-guide.html Tax on Interest http://www.consumeractiongroup.co.uk/forum/legalities/49641-important-information-regarding-tax.html TELECOMS- MOBILE, FIXED & BROADBAND FORUM http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-broadband/ Terms & Conditions http://www.consumeractiongroup.co.uk/forum/bank-templates-library/101412-document-library-work-progress.html Theft (Amendment) Act 1996 http://www.consumeractiongroup.co.uk/forum/statutes-library/90-theft-amendment-act-1996-a.html THIS SITE – QUESTIONS & ANSWERS FORUM http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/ Treasury Select Committee Minutes http://www.consumeractiongroup.co.uk/forum/general/508-treasury-committee-bank-penalties.html?highlight=Treasury Ulster banks under investigation http://www.consumeractiongroup.co.uk/forum/helpful-external-links/336-ulster-banks-under-investigation.html Unanswered Posts: Your Help Needed Click_here Unfair Contracts Terms Act 1977 http://www.consumeractiongroup.co.uk/forum/statutes-library/33-unfair-contracts-terms-act.html Unfair Terms in Consumer Contracts Regs. 1999 http://www.consumeractiongroup.co.uk/forum/statutes-library/40-unfair-terms-consumer-contracts.html User Guide & Contacts List http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html UTILITIES: GAS, WATER, ELECTRICITY FORUM http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/ VEHICLE RETAILERS AND MANUFACTURERS FORUM http://www.consumeractiongroup.co.uk/forum/vehicle-retailers-manufacturers/ Wasted Costs Order http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html Wiki Consumer_Action_Group_Wiki ConsumerWiki - A-Z Index http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html Witness Statements Abbey Court Bundle & Witness Statement Lloyds Witness statement What Can I Claim For? http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html When You Get Your Refund http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html Who Owns Who http://www.consumeractiongroup.co.uk/forum/general/124079-banks-building-societies-mortgages.html WORD FROM THE BANKS FORUM http://www.consumeractiongroup.co.uk/forum/word-banks/
  4. 1 point
    So why so mad... we all know they are if they can screw you they will. pete
  5. 1 point
    You have copied the URL Code which is the top line of 3 in your Photobucket album. You can see this as it has http at the start. You need to copy the IMG Code which is the bottom line of the 3. Try it again.
  6. 1 point
    TRy sending back this - obviously amend to suit you Dear Sir/Madam Ref; I refer to your letter dated 2 October 2006, in which you supplied me with an unsigned copy of your standard credit agreement. The supply of this standard leaflet in no way satisfies my request for documentation for the debt you allege exists – and I therefore do not acknowledge any debt to your company. For ease of reference I enclose a copy of that letter. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. You were in breach of the Consumer Credit Act 1974, on 8th September 2006 and one month later on 8th October you were guilty of committing a criminal offence. I expect to hear from you within 10 days of this letter, acknowledging that this debt is indeed unenforceable, else you leave me with no alternative but to contact Bolton Trading Standards, and any other relevant statutory bodies to advise them of your conduct. In your letter dated 2 October 2006 you refer to a firm of collectors, I fully expect you to advise them that this alleged debt is unenforceable also. Take note, that any legal action you may contemplate will be both vigorously defended and contested. Yours faithfully
  7. 1 point
    follow link below http://www.cag-files.co.uk/barracad/Spreadsheets/Scotland/Simple-bank-charges-calc.xls excel http://www.cag-files.co.uk/barracad/Spreadsheets/Scotland/Simple-bank-charges-calc.xlr works
  8. 1 point
    Hi You could try 0117 943 3133, see if you have any luck, but it is very early days yet, I would have given them at least a couple of weeks before chasing. Barty:)
  9. 1 point
    hey cookie do you want to send me your spreadsheet and I will take a look at seeing if we can get a decent calculation for your interest? When you PM it to me take out your name and account numbers etc. so there is no identifying info it is safer that way.
  10. 1 point
    If they acknowlege your court action it is on a court document, not a letter from RBOS. Sounds like they have just sent a duplicate letter out by mistake. We got a full settlement from RBOS so stick to your guns good luck ali
  11. 1 point
    take a look at this thread it tells you evrything to include and links to documents for you to attach.http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523 claire
  12. 1 point
    your very welcome xj, anything you need just give the shout!! besy of luck to you too!!x hi oz, no thats shouldn't make any difference and that is the correct address, best of luck x
  13. 1 point
    i think the bit about not being allowed to touch benefits stems from exercising your Right of Appropriation (google also returns some good results on that one), which, as I understand, has to be done in writing beforehand. I might be wrong so I would wait for someone else to confirm it. I would personally send it in writing recorded, emails can always be denied, even with read receipts attached (lost in the system etc). OR you could try both approaches, email first with a promise of a hard copy but that strikes me as a waste of time as you're basically duplicating your own work. EDIT: In fact here you go, have a read of this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html and see if that helps
  14. 1 point
    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. If you liked what I have written then please let me know by clicking on the scales! FAQS http://www.consumeractiongroup.c o.uk/forum/faq.php Scotland Issues http://www.consumeractiongroup.c o.uk/forum/scotland/ Step by step instructions better safe than sorry! http://www.consumeractiongroup.c o....tructions.html Templates If it aint broke dont fix it! http://www.consumeractiongroup.c o....lates-library/ Online claim or direct at court? Getting MCOL Right Finally good Luck. jamesrap. If my advice helps please tip the scales, left.
  15. 1 point
    But it is very easy to escape the computer. If you buy a vehicle and then give a false name and address when you register the vehicle to DVLA they won't be able to trace you. All they will do is put a note on their records to show there is an issue with the keeper details and then hope that the police will stop it at some time and get the correct keeper details. DVLA don't chase it up at all. But for all those of us who are law abiding and provide the correct details, should we be forgetful in declaring the vehicle SORN or late in paying the car tax as DVLA didn't send out a reminder, we are easy prey for DVLA. With them, its all about money and making as much of it as they can. Meanwhile, those who stick 2 fingers up at DVLA get away with it.
  16. 1 point
    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. If you liked what I have written then please let me know by clicking on the scales! FAQS http://www.consumeractiongroup.c o.uk/forum/faq.php Scotland Issues http://www.consumeractiongroup.c o.uk/forum/scotland/ Step by step instructions better safe than sorry! http://www.consumeractiongroup.c o....tructions.html Templates If it aint broke dont fix it! http://www.consumeractiongroup.c o....lates-library/ Online claim or direct at court? Getting MCOL Right Finally good Luck. jamesrap. If my advice helps please tip the scales, left.
  17. 1 point
    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. If you liked what I have written then please let me know by clicking on the scales! FAQS http://www.consumeractiongroup.c o.uk/forum/faq.php Scotland Issues http://www.consumeractiongroup.c o.uk/forum/scotland/ Step by step instructions better safe than sorry! http://www.consumeractiongroup.c o....tructions.html Templates If it aint broke dont fix it! http://www.consumeractiongroup.c o....lates-library/ Online claim or direct at court? Getting MCOL Right Finally good Luck. jamesrap. If my advice helps please tip the scales, left.
  18. 1 point
    Welcome to the forum Planet, heres where you start http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38807-newcomer-heres-user-guide.html pete
  19. 1 point
    Hi Buzby. The problem with theDTI is that they represent the interests of business and industry and do not, repeat, do not represent the interests of the general public/citizen/consumer. The same is true of the government in general in fact. The Bank of England avoids at all costs any form of real regulation with teeth as they fear, or at least argue (they are bankers themselves never forget) that imposing tight regulation will drive the banks to another business domicile. My own experience tells me that banks use this argument to bully the government (who across the parties are hardly brave at the best of times) the taxman and other government entities (in fact, I have actually seen this sort of ploy put into effect by a major British bank to influence outcome of tax legislation/interpretation to their advantage). This laxity has other problems that have much more impact. A few years ago, the UK ranked number 8 in the world for money laundering. A significant portion of the amount involved would have been the laundering of drug money, in addition to other softer types of laundering (tax evasion etc). So, I hold out little hope of the DTI, let alone Oftel (whose role is to provide the illusion of regulation, I believe), ditto OFT and others. I would argue that there is no body out there other than non-profit groups such as this, who would ever consider trying to champion the ordinary man in the street, who is to be bled at every turn simply because the individual can do little to defend themselves. Think about it. What BT and the others are doing is no different than a shop charging you ten percent extra just to open the till and take your money when you purchase a pair of shoes. Fighting for this principle is important because if left unopposed this test wedge will be extended further in time. Imagine, for example, BT and others charging the consumer an extra (say) 3% to cover the annual cost of providing their staff with toilet facilities? This may sound daft, I appreciate, but the principle is more or less the same. Likewise, consumers challenging incorrect billing costs (which BT send out quite regularly I understand) could be charged a fee for responding to an enquiry. Nor am I very sanguine about the ability (or willingness) of Parliament, as it is currently configured, to champion the individual over the corporation. To many of the elect are there simply to collect their pay cheque and toe the party line in the hope of receiving promotion, whilst others who no longer have the opportunity of a gaining a government stipend have their hands cupped ready to receive the bounty of corporate munificence. However, there is no alternative but to press what corns can be pressed and hope that this will be sufficient to resurrect decent and ethical business practise back from the grave. Shoestring
  20. 1 point
    hi inthedark, yes you should send two copies of your schedule of charges to mcol to be forwarded with your claim you should send along with this cover letter: The Court Manager Money Claim Online Northampton County Court 21-27 St Katherine’s Street Northampton NN1 2LH (DATE) Dear Sir/Madam (YOU) –v- (BANK) Claim No: ******** I have requested the issue of a County Court claim via the Moneyclaim online service, details as above. Please find enclosed a schedule of the money taken from me by the defendant bank by way of charges, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT). I respectfully request that the enclosed schedule should be attached with the particulars of my claim. Yours Faithfully (YOU)
  21. 1 point
    they still may be able to get an order for sale, this is very rare.
  22. 1 point
    yes, I really shouldn't be advising people beyond where I am, especially as I'm furiously not reading ahead further than the next stage
  23. 1 point
    Hi If you have not filed your claim yet you can add it on, any charges up to the point of filing the claim can be added on. Good luck, let us know how you go on. Barty:)
  24. 1 point
    hi tristar..........no you must send the LBA this is the same letter i got, just a standard reply, wait your 14 days and then send the next letter, it is advised that you stick to the timescales as set out by cag, best of luck.x
  25. 1 point
    Without hesitation I would phone the benefits agency and have your money STOPPED from going into that account. At a later date you can make an arrangement to pay off the account at an aggreeable rate. My advise would be to phone the benefits agency and explain what is happening with the account. And as the others have suggested get yourself another account. I'm in the process of claiming back my charges too and went along to the Yorkshire bank and opened up an acc with them. It was simple to easy. Good luck and let us know how you get on. Take Care
  26. 1 point
    Hi Doo, As for the advice you have a great back up. But for the moral support, you got it.
  27. 1 point
    No, they can't. You are disputing the debt, Red. So don't pay them anything, and maybe just write to them to say so, and you will be deducting any interest or penalties accruing since your dispute woas brought to their attention. Evn if it does transpire that you might possibly owe them anything at all. Don't panick about the true and original agreement. Make sure to go down the road of trying to find out if any of that debt was made up of claimable penalties too. And tell the DCA that you will certainly NOT be paying anything at all, let alone the whole thing within 10 days, as this debt too is in dispute. Tell them you MAY be contacting them again once the dispute has been resolved (ie you find out how much, if anything you actually owe), to further discuss clearing the account. But until that time, they WILL cease to threaten and harrass you with intimidatory letters and/or phone calls. Otherwise you will be seeking legal redress from them. Make sure you repeat your assertion that you in no way acknowledge these debts. Don't let the beggers bully you. But DO keep us up to date on your progress. We're all behind you now. How can they possibly scare you now that you have the CAG army supporting you.
  28. 1 point
    one other thing, does it have a right to cancel section????? hi there, if you look at my thread "Capital one vs My Mum" http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71457-capital-one-my-mum.html it might come in handy, inkogneetoh who is on there is the best one to ask if you PM her, say i sent you so if she slaps anyone its me ;-) best thing to do is to connect the scanner, install it and scan the documents in, then log into PHOTOBUCKET and post the pics there, and post the links here. if you can scan and send them to me ill be happy to put them on here for you if you need any other help, please feel free to contact me, but you really need to scan them so we can get a better look at them to see for sure.
  29. 1 point
    Hi, I am getting a lot of questions about what to say to Barclays when asking them about settling before the big day. First of all, it really isnt worth contacting them until you have a court date and it is around 10 days before. but saying that, nothing ventured nothing gained. There isnt really anything specific you need to quote, just be yourself, be polite , stay calm and BE PREPEARED. before you contact them, open your spreadsheet to get the updated amount. [dont forget to add the fee for the AQ if you have had to pay for it. In my signature there is a Barclays Contact, I know I praise Krysta a lot, but she IS VERY VERY good and very polite. Barclays DO NOT talk down to you when you cantact them ,they want this sorting as much as you. Contact Krysta either by phone or email [she does answer emails quite quickly] and ask for a contact number or address for the person who is dealing with your claim. If you are experiencing problems with B's saying they are going to settle but are not actioning it, here is an example of an email you could send subject heading.[Re: Attempted Settlement]
  30. 1 point
    hi there, recieved yet another call this morning, i got the name of the person. so i simply said "hi Karen, thanks for phoning although by doing so your going against OFT guidelines, you see Karen, back in December i made a legal request of your company to provide me with a CCA agreement, you have 12 working days in which to do that before your company enters default, i then have every legal right to stop payments until my legal request is satisfied, also, because you didnt supply the documents a further calender month after the 12 working days, your company has committed a criminal offence, so you see Karen, ive requested many times in writing that you delete the numbers you have for me and correspond with me in writing only, but i feel the need to inform you that because you havent supplied any documents in 4 months, you can at this time, no longer legally chase this debt until such time as documents are produced, however at this time let me also inform you that i am now going to report this matter to the OFT. really stroppy response RIGHT OK - WE WILL CORRESPOND IN WRITING THEN BEEEEEEEEEEEEEEEEEEEEEEEEP does anyone have the link to report a complaint to the OFT? dont think i made her morning, oh well, im going to lodge a complaint with the OFT this morning. i think they might have a CCA agreement, but im going to report them anyway lol.
  31. 1 point
    Hi Daisy Smile say they are "ethical" - but they still unlawfully make these very same charges that you are claiming back from LTSB. Furthermore, their "true cost" (which none of them have as yet revealed) in returning items unpaid is probably substantially less (as an "internet bank") than the others (as "high street" banks) because they never write to you by post - they send automated "secure messages" via e-mail! Ethical or what?? J
  32. 1 point
    Sharpgun, Hopefully a link to a useful couple of threads will appear in my signature. Firstly, a group of us have started a thread to help all those claiming against Business accounts. We've got together to share ideas, methods, views etc . There are some subtle but VERY important differences regards claiming against Business accounts; mainly the fact that you cannot use Consumer law, (but there is plenty of other legislation, regulation and case law you can use) I too am claiming on a Business account, and for prior to 6 years, and including Contractual interest. Yes, the figures involved can look shocking at first...... but remember, this is exactly the same way that they have charged you, and then also gone on to use your money to acquire massive profits from others!! Do not let the sums appearing deter you, remember that the law is very keen not to allow wrongdoers profit from their acts. Secondly, in my sig. should also appear a link to another thread regards consolidation loans. Like many here, you may have been forced at various points to take out consolidation loans, mainly to repay borrowing from the Banks. In many cases, much of the borrowing is in the form of overdrafts that consist of lots of charges. Had you not had the charges in the first instance, you would likely not have been so overdrawn? So, in effect, you've firstly paid interest on the overdraft caused by charges, ...and then gone onto pay interest on a further loan to clear charges that you should never have had in the first place ! Many are wising up to this double blow, taking actions, and have won. So, if this has also been the case for you then join in.
  33. 1 point
    Hello reduk054, A cca request and an SAR are two sepearate requests. The CCA is the 1974 statute which is to do with your rights under this act,in it for a fee of £1 you can request a copy of your true executed agreement (not application form) this is basically to prove that there is an agreement in existance.(or not) The creditor or whoever is handling the alleged debt must prove that they have a right to collect alleged monies owed,they must supply this info in 12 working days plus a further 2 days for postage allowances, after this time the account is in dispute,then after a further 30 days they are committing a criminal offence for failing to supply your requested agreement in the time allowed When i requested this myself i sent it recorded delivery so you have a paper trail and proof that you have requested the paperwork. An SAR is a data protection act request to the original lender or finance house which for a fee of £10 must provide all details of your financial dealings with the comapny such as statements etc and if they have charged you any fees which may be now deemed unlawful and you can reclaim them back. Hope i`ve provided you with the basics of your rights Best regards S
  34. 1 point
    Yes you can reclaim again. They are more likely to close your account so i advise you open a parachute account just in case.
  35. 1 point
    lotte, my claims are for 2 lots of charges outside the 6 year mark..., so far this hasn't been picked up by DG. however I am at the stage where my case has been transferred so dg could now argue re those 2 charges...don't worry though, as you say, bankfodders article is a real help. I'll let you know if my case is argued re those 2 lots of charges?
  36. 1 point
    Thanks Laterus for your advice, I will try and be firm. You know when I am at work and doing phone calls for my job I can be very firm, but polite but when it is for me, I just go to pieces. Hey ho, lets see what she wants first! Let you all know tommorrow. DS
  37. 1 point
  38. 1 point
    Hello, Abit interesting that eventually you did get to speak to her. or nearly:o I would hedge my bets and sent a letter of herself and Barclays and see who's response comes the quickest. In answer to the template there are some kicking about on the forum have a check, but basically your write with the same letter for your ppi, but starting of with "I am extremely disappointed that you have failed to respon to my letter dated blah blah some bit in the middle and finish with I am prepared to give you 14days to reflect on my blah blah I will not contact you futher but will issue a claim blah blah. I can let you have a copy of one I have written if you need any help Just ask:D
  39. 1 point
    Go for it. The 6 year limitation has pretty much been blown out of the water now - See http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html?highlight=Bong if I recall correctly.
  40. 1 point
    Hi, its me again. I found this:- Claim Timetable: Your claim will generally be deemed served 5 days after filing . The deemed date of service will be on the Notice of Issue sent to you by the court. The bank will have 14 days from the deemed date of service to acknowledge. If they do, a Notice of Acknowledgement will be sent to you The bank will then have an additional 14 days in which to file a defence, ie a total of 28 days from the deemed date of service. Once the bank has filed a defence, your claim will be transferred to your local court who will send you a copy of their defence and an Allocation Questionnaire which you fill in and return within 14 days. All timescales are calendar days, should the due date fall on a weekend/ bank holiday, they have until the next working day. Be aware that some courts are doing away with the AQ stage and pushing for a court date. Have a read of some threads regarding "No AQ"
  41. 1 point
    That's not what the thread title says. Might be better to move back to the original thread where peace seems to have broken out! Somebody please tell me if I'm stirring it. Els
  42. 1 point
    I sent this to Barclays last week: LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Dear Sir/Madam Accounts: xxxxxxx and xxxxxxxx. I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated XX/xx/XX. I believe the disclosure of personal data to be incomplete in that you have not supplied information covering the period from the opening of the accounts to January 2001. My Request clearly asked for documents relating to 'my banking history with your organisation', not just the last 6 year period. Accordingly, I must tell you that you have not yet complied with your obligations under the Data Protection Act 1998. I must insist that you supply the information I have requested, or supply me with a valid reason why you cannot do so. If you claim to hold no data older than 6 years, would you please supply signed proof to that effect, from your Data Controller. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days of receipt of this letter, I shall be forced to apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully, Oneofakind. ----------------------------------------------- This was after the 40 days, obviously. Just amend where necessary if you want to use this. If you can find the letter written by Bong (I haven't seen it) and you think that's better, I won't be offended !! As Micky says though, getting this older information may not be as easy. I haven't received anything yet. Best of luck :D David.
  43. 1 point
    Unfortunately you can't add these on to this claim - will have to start the whole process again for these I'm afraid.
  44. 1 point
    You dont have to wait for them, remember you are sueing them, so its all on your terms. Not theirs. So go ahead and file.
  45. 1 point
    Hi zimmie, I am in the same position with dca they sent me a copy of my initial application form with a bit about this is a credit agreement, according to someone on here, that is not enough it should be the executed agreement they send and not the initial application form, so i have wrote back requesting just that. Hope this helps. cg maybe you could do the same.
  46. 1 point
    The rest as i see it would be best dealt with via the FOS.
  47. 1 point
    Hi EDMDetails http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf Claire
  48. 1 point
    glad you got your thread going - we will try to post any new info on that other thread - already it has saved us hours of putting the same info into people's threads as we just point them there. and, as you are one of the first - there must be a couple dozen by now - but none with the next step - so we are waiting to hear what comes next - we assume it will be a judge either requesting an aq (with about 14 days to complete and submit) or a court date - and if it is the court date - we'd appreciate the wording on the first couple to get to grips with what they require - i'm predicting about 30 notice for a date. as we've always said - that dg will settle before any court date - this is great! - although we still haven't seen dg's response to the abadonment of the aq. i don't think peeps understand sometimes - we are just like you were only with a couple of months head start - in october, i was waiting for dg to make contact - which they did and my son's is all done an dusted - i've just hung around to help peeps. so, any info on here is self-help - in that i have absolutely no experience with anything like this except what i've read here. but as i like to get involved with helping peeps, when i saw the second person on here sat. asking about no aq - i jumped in and started that thread. we are all helping each other along - but nobody knows for sure what will happen next - so we wait. but it is interesting to me how it really is like a chess game - except sort of three ways - the court has just made a new move and we've responded - somewhat - now we wait to see what dg does - or the courts. but as the best defence is a good offence - that's the idea behind the letter. it shows initiative and i'm hoping the first half dozen or more letters into dg - they will just say - holy ship! better get them off the books - make an offer! just thought i'd help you pass the time while waiting - now you have your own thread - we can pop in to see how you're doing. won't be long now - i think you are probably quite close to getting your money!
  49. 1 point
    Hi Purejane In the meantime, and before any more benefits are paid into your account, contact which ever dept pays your money in - advise them that despite warning your bank, they are seemingly flouting the social security act and appropriating your benefits to pay unlawful charges - and request that the dept pays you by giro whilst you set up a post office benefit account (it can take upto 2 weeks to set up!). If they umm and err - tell them that you are being left with no means to support your family, and you are now in desperation. They should agree, and maybe even offer assistance in clawing back your benefits from them (or at least contact the bank for you!). It's certainly worth a try, and if you do have to argue further, it's recorded with FTC/Income support/DLA/DWP whichever. All the best Perseus
  50. 1 point
    Brian, Thanks for the click! You should get the papers shortly. Pondfish
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