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Showing content with the highest reputation on 06/05/07 in all areas

  1. hi there, so you think it is a application form, becouse as you know lowells are saying it a credit agreement, i sent them the letter you done for me the other day xx:)
    1 point
  2. Firstly, I think I can speak on behalf of most of the people currently dealing with Cabot on here, when I say.. We do NOT claim to have a low opinion of Cabot. It is more accurate to say we DO have a low opinion of Cabot. What do mean tell them exactly what is missing ? I have personally corrected Cabot directly on a number of occassions and I am currently taking them to court for their mistakes. Would it be more beneficial for me to design a training course for them ? I think people might be a little more understanding if you explained your interest specifically in Cabot ? You name includes Aktiv, but your posts a
    1 point
  3. Hi thinkfirst, just responding to show you are not alone:) someone will come along who knows the answer to your post, and if you carry on reading the posts your bound to come across someone else in the same situation as yourself. question are you going to claim charges on current and loan account? as thats how I am reading your letter asking for banking history. (bound to cause confusion at Andover;) ) you will still get the standard letter back:D . sorry got to go to work, but will keep an eye on how you go:)
    1 point
  4. Yes you send three copies to the court, theystamp all three and send yours back to you with a 'Notice of Issue' form attached which tells you the timescale! Yes, attach a schedule of charges to each N1. If you're going to post it to your son then you'll need to best guess when it'll go to court and set the date on your computer to that date (so the interest can be calculated for that day) and then print it! Don't forget to re set the date on your computer after though! Don't forget to fill in the boxes at the bottom of page 1 of the N1 (amount claimed, Court fee and total amount!) I got to court and hadn't filled them in and the
    1 point
  5. They will file a defence, then with it you would usually get an AQ to fill in from the court. If its dispensed with you will get a note from the court to inform you of this, then its just a matter of waiting to recieve a court date. Is your claim over £1500? If so, you may still need to pay an allocation fee even if there is no AQ - check with the court if and when you recieve confirmation its been dispensed with. I answered the other point on this thread - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/40205-lloyds-tsb-defence.html#post799213
    1 point
  6. What was the address given for the solicitors? The proper address, as registered with the Law Society is Russel & Aitken, Kings Court High Street Falkirk FK1 1PQ They have an office and an estate agency in Edinburgh but the post codes are totally different from the PO Box given. It is likely that Debt Managers are writing letters on behalf of R+A and they have no idea what is being written in their nam. Not an uncommon occurrence because all solicitors are greedy and worried only by the cheque at the end of the month. Write to their head office, addressed to the senior partner, and let them know what debt managers are do
    1 point
  7. WOW....... Just had a look at this. Insurance is not my strongpoint but lets try to break this down into bitesized chunks. There seem to be a few seperate issues the insurance claim the credit arangement 1 amber credit will have paid the insurance up front...so MMA have been paid so any insurance you had should still be valid! Any problems regarding dd and admin charges are soley the responsibility of amber. 2 I dont know!......but you could ask them why does it cost so much and maybe ask for it back! 3 again I dont know....but they probably will 4 again I dont know....some companies keep prices d
    1 point
  8. HI Lisa and welcome as an official member! Use this analagy for claiming charges...if it was applied to your account as a slap on the wrist for doing something wrong then it can usualyy be claimed back. With the PPI i would suggest you have a lok a tthis thread http://www.consumeractiongroup.co.uk/forum/ppi/ Here you will find great advice and can read others who have successfully claimed their PPI back. You will find template letters, contacts and read what others have done to do this. Studio cards are mentioned quite a few times on the site so why not search using the search http://www.consumeractiongroup.co.uk/forum/search.ph
    1 point
  9. They have paid some claims, yes, but recently they have defended quite a few as well. I would say that if you really are set on claiming contractual, then you should put your claim on hold for at least 2 weeks so as you can fully understand it first. Firstly, its not just about pleading it on the claim form - you must be fully willing and prepared to argue it in court, and also understand that there is a high possibility of this happening. A barrister from Lloyds has indicated to another user at a hearing last week that they are now planning to defend all contractual interest claims in court. See this thread - Darling 2 takes on the
    1 point
  10. Hi princesswawa, Welcome to the forum. Please follow this link to your banks forum and start a thread; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=46 Title your post, princesswawa V Nationwide. Other members with experiance of your bank can offer informed advice. use the template letters in order. Stick to the timetable in there. please take time to read the faq's http://www.consumeractiongroup.co.uk/forum/scotland/13516-scottish-procedure.html?highlight=scottish+procedure LINKS.... http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html FAQs....
    1 point
  11. Hi 19doyler48, Welcome to the forum. Why not reclaim back from the date you opened the account, the template letter has the relevent information for asking this request. Please follow this link to your banks forum and start a thread; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=13 19Doyler V Northern Bank. Other members with experiance of your bank can offer informed advice. use the template letters in order. Stick to the timetable in there. please take time to read the faq's LINKS.... http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html FAQs..
    1 point
  12. Lisa Studio cards? Are they still going? Who was/is the bank behind them? Going back more than six years is a current 'hot topic' on the site at the moment. The principle is that the six years is specified by the Limitations Act, but a 'new development' is that the time runs from when the bank knew (or ought to have known) that they were acting unlawfully. E.g. if Lloyds TSB knew 2 years ago, then 6 years back from that date means you can (in theory) go back to May 1999. I think the issue will be bank records. I believe that the banks are only under a duty to keep records going back 6 years, so if you have not kept your st
    1 point
  13. Think there's an extra dot in there, not sure. As in.... sandy.watts
    1 point
  14. Jenkers This site is your secret weapon. The advice from Bankfodder above is priceless. 'Spreading the word' is good (not sure 'spamming' your work colleagues is such a good idea tho - have IT had a word yet ;-) ;-) ) I would certainly let him know (in writing) that you disagree with his comments (quote them to get them on record), and let him know you are proceeding. That should get your case back on track - push it from there. And good luck. T.
    1 point
  15. OK, I've finally had enough. It is my BELIEF that make them aktiv runners is DELIBERATELY disseminating contradictory and inaccurate theory and misinformation. The reasons for which I am not clear. It MAY be that Aktiv truly believes that his point of view is correct. But he seems to be in a minority of 1. However, the only other explanation i can think of at the moment is, Aktiv has a hidden agenda. Now, I wouldn't normally come right out and condemn posts where the points of view expressed are totally at odds with each other, as I do believe in a healthy debate. But where one poster is writing comments and assertions
    1 point
  16. I am quite sure the "winging it" and finding a friendly court could very well be part of this theory. I just reckon this guy/company had better stop doing his Del Boy impression and start taking responsibilty - nevermind his calling customers "rogues" - I reckon he will need the "trotter" 3 wheeler sooner than he realises if that attitude is continued. But I must say it seems to be an industry wide thing and not just Cabots Seems there is a distinct failure to recognise that things have changed in the industry and the "rogues" are becoming enlightened to their games - he has so much to lose by showing such ignorance to these ch
    1 point
  17. Just as a little hint to anyone that may be having thoughts about this information. One of the PRIME things that can result in a company/person being unfit to hold a consumer credit license is having a CCJ recorded against them. I'm wondering what the OFT would think about a major bank having 346 unsatisfied CCJ's totalling £740,000 against them. Very nice work Richard.
    1 point
  18. Hi Westwell, If you proceed with a second claim which is made up of charges solely consisting of pre 6yrs charges there is a greater likelihood that it will be struck out. It would be safer to amend the present claim to include the old charges. Zoot
    1 point
  19. Hi fred they have cocked it up!! EVEN if everything else was ok they have signed accross your sig box. This is forbidden. this alone will make the "agreement improperly executed, and maybe unenforceable, 1983 agreements regs s)6 (3)b Signing of agreement 6.—(l) The terms specified in Column 2 of Schedule 6 to these Regulations in relation to the type of regulated agreement referred to in Column I (and no other terms) are hereby prescribed for the purposes of section 61(l)(a) of the Act (the terms which must be contained in a document if a regulated agreement is not to be improperly executed) and of section 127(3) (the
    1 point
  20. Actually, they are. OFCOM have overall responsibility for all communications, ICSTIS, an industry-funded body deals with disputes and regulation of content, NOT the charges for number blocks or the criteria for which the numbers are used.
    1 point
  21. 1 point
  22. I don't work for a Bank, so I popped into my local Barclays yesterday to find out what all those numbers mean on the back. Return to 20-66-70 This is just in case my bank decided not to pay it. Barclays DDS 20-61-58 These are the details for the Barclays clearing department
    1 point
  23. Hi beautiful day As you sent DPA SAR then they have a legal obligation to comply with this or you can take action to get the information you have requested. I would suggest starting again. Make an official SAR DPA immediately. If you dont have the correct amount to be claimed you could be under estimating and not get back wehat you are entitled to. You could also over estimate which will cause many problems along the way, which may conclude in you not getting anything. I understand this is frustrating, but please remember this is not a get rich quick solution...it takes time and energy. We are here to help and advise but it is
    1 point
  24. 1 point
  25. & I'm so sweet & innocent I didn't even notice!!!! I've had a real chuckle reading this tonight so thanks everyone!!! Charleyfarley.... just enjoy being surrounded by us all!!!!!! A very female Villafan!
    1 point
  26. Yeah tell me about it!! I think a few of the banks and stores have been trying to get cheques pulled because they make more money of credit / debit cards, but believe it or not the great british public didn't want any of it, so it looks like they're here to stay!! The Squall
    1 point
  27. oh you think your so amusing charley boy hahaha and im not 16 either the young blonde lady lol
    1 point
  28. Hey CF, can an large elderly blonde join the harem? Might make me feel young again. lol
    1 point
  29. How funny, I missed the start of this how did you think was a man CF? Regarding Charlies Angles, I've been called some names in the past but never an "ANGEL" :lol:
    1 point
  30. One thing, make sure you still make payments to your account as normal. Saves a lot of hassle later. Uk
    1 point
  31. I agree! An opportunity missed. But this was a TS thing, and they did their job very well! Lowell have gone forth..... We'll know next time. *2 more rep's for next green pip!
    1 point
  32. think you've answered you own question. you could certainly try, i don't see any harm. i'd write the court a letter - including copies of the three nudge letters you#ve written, making it clear these are all from the time period after they have finally filed their defence; stating that you are trying to reach a resolution and they have totally ignored you and you feel that they have absolutely no intention to do anything except wait until a court date gets close and then to make an offer. You might tell the judge that to forgive you if this isn't the way it is done but that the only legal help you are getting is from a grass roots organiza
    1 point
  33. hI I havn't read your thread yet so forgive me if ths is old ground but you are aware that the default if commited after june 2006 will come under the 2006 CCA(this acts retrospectively) this gives you 14 days from the date of the default and also you were entitled to a notice of arrears prior to that and also a notification of any default charges you should also check these on your agreement. I returned my car to GE under section 100 of the act and know exactly what ou mean about their tactics,take my advice and believe nothng they say unless the can show you the legislature. I got them to back down from a bill for over £2000 by stickin
    1 point
  34. Give it another week then ring the courts and ask about judgement, or what they think would be best step. The staff at courts are brilliant. Utterly fantastic......... some people on here would say,, go for judgement, others would say hang fire for a week or more because the last thing you want to end up with is a stay or set aside whilst the judge gives them more time to submit defence, that just delays things even longer. I would wait an extra week to see if their defence turns up, because they always always always submit with about 24 hours to go, and if it hasnt been submitted in another week I would ring the courts and take the staff a
    1 point
  35. Hi Martinego, The LTSB barrister told me that they will defend the contractual interest part of a claim, - that is if you have opted to claim CI as well as your charges - and not the 8% statuary interest that everyone is entitled to at court. Hope that helps! Darling1 if I have helped in any way please be kind enough to click on my scales!
    1 point
  36. Hi there, welcome to the forum. Could I firstly say, with absolutely no disrespect to Rooster, I personally think you are better sticking here (although another thread somewhere else can never hurt), it's just that your story is identical to all of ours so we can offer a lot of advice here! The very same happened to me, agreed a plan, promptly sold, you might like to have a read through my (very long but at times entertaining!) thread MBNA Nightmare! which can be seen a few threads down. I would do the following : Issue an Subject Access Request to both MBNA and Link but be sure to include ID with your requests or they will us
    1 point
  37. hiya peeps, following my recent success in getting my bank charges refunded to me i have decided to try help my mum get hers..the thing is though she has a natwest credit card not bank account. can she still claim for a credit card? if so does anyone know who the contacts are for the credit card? any advice hugely appreciated, cheers allie:)
    1 point
  38. I am trying to claim for both a credit card and a bank account. Can all this be done together to the same address (Natwest) or does it need to be done separetely?
    1 point
  39. F.A.O allie 1 uk nat west credit card operations po box 5747 Southend-on-sea S19 AJ send recorded and photo copy every letter you send also date it...
    1 point
  40. Hi Allie !! Like Deller said all is basically the same,but you might get a letter stating that they are ok to charge £12 etc. Just carry on the same and disregard it if you do happen to get the said letter. All the very best Trish
    1 point
  41. Yes it's the same procedure for claiming against credit cards, use the same addresses as you would if claiming against the bank.
    1 point
  42. A HUGE CONGRATULATIONS TO YOU TRISH, COULDN'T BE HAPPIER FOR YOU. YOU CAN KNOW ENJOY YOUR HOLIDAY WITH THATS EXTRA CASH TO SPEND. WELL DONE!! :-D There's just the matter of sorting out that big claim of yours now, which hopefully wont be too much longer, then crack on with that Cap One claim you have in progress. Remember my help and support is there for you at all times. Once again a huge well done, enjoy spending!!! Deller
    1 point
  43. Accepetance letter signed and sent back recorded to the "kind" Stuart Higley.Now all they have to do is put it back in the account Hey and thanx for all your congratulations post's!!! SOOOOOOOOOOOOOOOOO MEGA HAPPY:)
    1 point
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  46. Remember you can claim the charges & the service charges - this is what I have just had refunded in full. I'm now going to persue the claim for contractual interest (I sent them a revised Prelim letter a while ago) as they seem to have ignored my request for this. Basically I'm charging them interest at their rate for MY money whilst they've had it. Please let me know if I can help you in anyway with this - perhaps you could try sending a revised prelim if you haven't already done your LBA? May have to check with of the mods if you've done LBA already but I'm sure there is a way round it - why not try going for contractual interes
    1 point
  47. Hi and Welcome Go for it both of you - You will get your and I repeat your money back. I have just had a cheque arrive today for the full amount claimed plus interest plus my Moneyclaim fee !! NatWest will appear to be stubborn and will tell you to take them to court - this is the norm !! Just be strong,be patient and follow the procedure correctly sticking to your timescales and you will be successful,I am sure. There is plenty of help on here and even if it seems a daft question - just ask !! - There will be plenty of others that will also be wanting to ask it. Do read the FAQ's and read up on as many other posts as you can
    1 point
  48. Hi Trish...i'm new aswell and can i say that i am less than happy with NASTYWEST also! I do have an overdraft limit but whilst suffering other financial difficulties they pushed me that little bit further by charging me, in 1 month, 316+ in charges! Needless to say they will be receiving letters from me in the near future.....
    1 point
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