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Showing content with the highest reputation on 29/07/07 in all areas

  1. Wild Billy - ..all of which would all be very well if we were frequenting a forum of like-minded subject-matter experts. We aren't. There are a hell of a lot of ordinary people on here who neither know nor care about netiquette and have not like you clearly have, or myself, been on the net for a good number of years. No - they've heard of the site throught various sources and heard that there's good information available, delivered by friendly, savvy people. These people, well into six figures by now, represent the present and future success of the site. They vary in their levels of educ
    4 points
  2. hi deedee aw tyvm for your kind words and for the reputation i thoought it was lovely and guess what its mmy first one lol i have done it for many but for me its my first tyvm hugs abg
    2 points
  3. Hi All, and DS especially I think the following may help in persuading Courts to continue with current claims rather than 'staying' them. I'm doing a Witness Statement for my forthcoming Allocation Hearing, and am thinking of including the following 'extra' paragraph - "The Claimant is aware of the Test Case being initiated by The Office of Fair Trading in order to test the validity of The Unfair Terms in Consumer Contracts Regulations 1999 to claims of this nature. The Claimant believes that the Test Case does not seek to test the validity of the remaining issues in this claim
    2 points
  4. Just thought it might be important for anyone claiming against a business account to be aware that there are some subtle but VERY important differences in regards how to go about this. I hope this thread can be a valuable source for those doing so, to exchange information, ideas and methods. Any takers? PLEASE, Business account claimants or those that know about business claims ONLY !
    1 point
  5. PAYMENT PROTECTION INSURANCE Before reclaiming or cancelling PPI you should have a look at the following Notes and see what type of PPI you actually have. Always consider all the facts and figures before starting a claim.. Whatever you do Do Not Just Jump In without researching your own policy, and don’t be afraid to ask for help / advice on the forums on CAG. There are basically 2 types of Payment protection Insurance policies. 1) Monthly paid premium (as used by most of the credit card companies) These policies should not be a big problem to cancel; normally the
    1 point
  6. HOW DO I........? Internet Forums are not always the easiest thing to navigate, so here is a guide to some of the commands you can use. Some are very basic, some will take a little bit of practice. If you want to practise, don't hesitate to create yourself a thread in the Bear Garden, once confident enough, you can always ask a moderator to delete it for you. Create a new thread: Click here to see how to create a new thread
    1 point
  7. For anyone who is interested, I found this on HSBC's website:- FSA: HSBC Bank UK
    1 point
  8. 1 point
  9. Sorry, but caj123 wasn't trying to point out anything about choices never given to them.....the CHOICE is entirely their's.....this site repeats in numerous places....READ, READ, READ. If you choose not to read and YOU make a wrong decision....you can't just set up a thread slagging off other people for it. As a newcomer 'cheekcherry' - you will find that CAG means a lot to a huge number of people......it's not about getting into 'slanging matches' here....as you put it. It's about pointing out that blame shifting doesn't help anyone.....caj123 made a mistake.....yes, people are frustrate
    1 point
  10. Hi aloofy As long as you have it in writing that a settlement is offered from Barclays you can : 1) Send a copy of the correspondence to the court with a covering letter just advising that the enclosed is for the court records so that they are aware that agreement to settle has been reached between the parties and that you are presently awaitng payment. Furthermore, that upon clearance of the funds, it is your intention to submit a Notice of Discontinuance. Send a cc to Barclays so they know that the court knows! ; 2) Take a copy of this letter and all correspondence leading u
    1 point
  11. I was made a nanna when I was only 34, so I'm a very "young" nanna. My granddaughter is now 14, & my grandson has just turned 9. Do you ever go to SSL? 'cos I'm sure I've seen posts of yours that have been recorded at about 3.30am ish. All I can say is that you must be very committed to the cause, but you really need to sleep sometimes. lol
    1 point
  12. This company is enought to make anyone Paranoid really - but they are not the most honest company to deal with. They are likely to give you the runaround really. What Seahorse is saying is all good advice get the CCA and SAR requests in the post (make sure you do them recorded delivery too - so you have proof of postage) http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html = letter N for the CCA request (£1 fee) http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html = SAR request (£10 fee)
    1 point
  13. Ok. Look on the enveolpe. Was it posted, or hand delivered? If posted, it isn't properly served. Just a threat-o-gram. Do you have any idea what the debt is likely to be? i.e, when the debt was taken out, what for, and how much the original debt was for?
    1 point
  14. Hi Fairy You will find the templates for rejection letters in bank templates. Just pick the one that sounds right for you . You could alter it a wee bit to suit your own circumstances. Dont worry about all the talk about test case. Im not completely sure what is going on myself but the general feeling on here is to just keep going with your claim. As far as I can gather not all Courts are upholding the waiver. I think it is up to the individual Judge. If Ive got this wrong way up I hope somebody with more nous on the matter will correct me. Not 100% sure . I personally
    1 point
  15. I hope our barrister friend can come up with some good words to keep our cases alive. I really need the money back... LOVE & PEACE
    1 point
  16. I dont want to imagine, as it'll only P me off!!!!!!
    1 point
  17. hi fairy have a look in the link below was it the letter before action they replied to Rejecting Offers
    1 point
  18. It looks like you have to send off your schedule of charges to your court and DG. Make sure that it has your details on it i.e name, account number and claim reference number. make sure that your schedule amount agrees with your claim and then add onto the bottom the interest amount that has accrued to date. Send the one to DG with a letter saying someting like:- Please find enclosed my schedule of charges as requested in the order from the court dated xx.xx.xx. then follow on with some of the stuff from the nudge letters saying that should they wish to settle you will be preapred
    1 point
  19. Hey i havnt slept in a while, so the spelling with blurred eyes. :eek
    1 point
  20. How about you be polite to people who are trying to give you genuine advice by asking questions pertinent to your situation? Or did you just come on here to be sycophantically agreed with, regardless of the actual legalities, hmm?
    1 point
  21. aww same here i buried my old dogs ashes in garden , he got put to sleep due to tummour but as i say he still with us in spirit and now i got dog from woodgreen hes a doll ,, love him to bits ,, hope all goes ok with your claim
    1 point
  22. think everyone should continue as normal ,, carry on with claims and keep calm til we hear any different , many courts are continuing as at the end of day is up to judge to decide not banks as judges dont take orders from the banks as far as i know lol ,,
    1 point
  23. From Govan Law Centre: Sheriff Principal rejects banks' defence of res judicata | GLC July 2007
    1 point
  24. If you are not claiming interest other than 8% stat then i would remove it
    1 point
  25. Rosey Carry on regardless. There is nothing stopping you. Nothing has been decided yet, and may take some time. How long, nobody yet knows. It is important still to get your claims in and follow the normal schedule. This will put you near the front of the queue once matters are resolved and resume. You really ought to start your own thread, so yourself and others can then follow your claim, and respond more specifically. You are not likeley to get specific answers to your questions by posting on other threads such as this related to other issues. Good luck and best regar
    1 point
  26. Write and tell them that. Tell them that the account is now unenforcable and that they must not 1. ask you for payment 2. add any charges or interest to the account 3. pass on any information about the account to any third parties 4. put any marks on your credit rating relative to this account. Tell them that, if they take you to court about this account, their non-complaince with the CCA 1974 is a complete defence. tell them that, as far as you are concerned, the matter is at an end. Copy the letter to the OFT and your local Trading Standards.
    1 point
  27. hi chelli am glad Garyh came through for you in the end bearing in mind the crap hitin the fan fri nite. good luck for the 2nd aug
    1 point
  28. OK, that's a fairly standard order the court grants automatically, each time a defence is submitted. Ring the court tomorrow, and ask if any application has been made to life the stay. They still need to supply the rest of the information, you've by no means lost yet even if the credit agreement is valid (and we'll need to see a copy).
    1 point
  29. Just typical, I have been going through the posts here and am just as fed up as I was about to do N1 on Tuesday. I was looking forward to the money for christmas and had no. 2 claim ready to go. I used to work in financial services and was involved with the pension mis selling and subsequent claims. Based on this, I reckon the banks are employing delay tactics and will seek as many facilities from the FSA as possible. I have no experience of the OFT but I have with the FSA and believe that if pressured they in turn will pressure the banks and may remove/amend the waiver.It will take a lot
    1 point
  30. Hi Simon. I see that you have had the most excellent of help from abroadgirl! Hello abroadgirl - I have to give you major props , for assisting Simon As you can tell, you are a bit further along than a few of us on this thread, hence why we were not able to answer as definitively as you have. Anyway guys, hope you good luck to you all. ABG - I'm off to read your thread! deedee x
    1 point
  31. hi matt ur not butting in i would say yes i have sent and added it and i have done more than i should i think not to worry everything u see here that i have posted ive sent and more some send 75 pages some 95 me laughs thousands i guess still not to worry laughs yes i would as i say i did hugs abg
    1 point
  32. What I have is this: State which facts in the statement of claim are admitted: I admit that I entered a credit agreement regulated under the consumer credit act 1974 with the pursuer, which was scheduled to terminate on, or about 2 / 4 / 2004. I admit that I agreed to pay monthly payments to the pursuer, between 2/4/2002 and around the 2/ 4 / 2004. I admit that I have been resident for a period in excess of three months proceeding the raising of this action. I admit that I failed to make some payments, in the amount and at the time originall
    1 point
  33. Hi gerih There is a Good thread here. http://66.102.9.104/search?q=cache:kCVLdX9TTmIJ:www.consumeractiongroup.co.uk/forum/general-debt/20955-dca-help-please-lowell.html+lowell%27s+dca&hl=en&ct=clnk&cd=1&gl=uk and number 29 is a Lowell employee!! Take a look at the 4th post regarding writing without prejudice at the top of your letter other wise its possible you acknowledge the debit with your reply. may be add it on to the one stating i do not acknowlegde this debit, you can never be to protected ;-) Zooman has many threads on here and a lot of them hol
    1 point
  34. Dear Lowells, I do not acknowledge any debt to your company. A request for a copy of my Consumer Credit Agreement (Consumer Credit Act, 1974) was made to Westcott..... on xx/xx/2007. As they have so far failed to comply with my legal request however, the account remains in dispute, is unenforceable and should not have been passed/sold to yourselves. Please be advised that until such times as my request is actioned, no payments will be forthcoming. Yours faithfully/sincerely, Send by rec. delivery..... keep the receipt.
    1 point
  35. Aktiv, I'm delighted to see you back in the Cabot fray and have learned a thing or two en-route. Cabot NEVER want too many facts readily available because they have had their little empire, which they built up out of the people they dwell upons ignorance, blown wide apart, investigated and exposed. They think they have won on this .eu bit, but do you think Seahorse would have just given it back without a reason, so simply and so easily? ( Oh he buckled under the pressure of those incy wincy big guns solicitors didn't he ? - HA HA Think again my friends down there in the Towers - We had on
    1 point
  36. I am engaged in a PPI battle with HFC at the moment and I think I may have a good case for Exemplary Damages against them. They auto filled the box for me even though I said I didn't want it and since I was self employed it was almost useless to me. I have since been "mystery shopping" around their main retailer clients and have had salespeople try to ram it down my throat after asking if it was suitable for me as I was self employed. The credit industry is raking in millions through mis-selling this useless product. Even if you are PAYE you'd have to be off work for about 9 months of a 4 year
    1 point
  37. Not a word did you say???
    1 point
  38. mmm I wonder ssl. deffo wont be a man tho mine dumped me 8 weeks ago, still, i got a coc lab puppy 4 weeks ago, named her cookie and shes my love now, oops best not forget the kids. no news on house yet we have a bid system here which closes friday but im in with a good chance because im homeless. we see hey moneys safe atm incase i do get it cos i have absolutely nothing to go in it. thanks again all megstaff
    1 point
  39. Hi and welcome to CAG! You may find it useful to start a new thread in the LLoyds forum (or I could ask for this thead to be moved if you wish????) - as this is where you'll receive advice and support that's specific to your claim. Whilst the letter is probably standard, Lloyds claimants will be able to advise you on what it is and what your next steps should be. Don't worry about the later stages of your claim too much at the moment. You'll find that, with the support of other Lloyds bank claimants, your confidence will grow immensely over the next few weeks - so having to attend a
    1 point
  40. The OFT are due to give us the result of their internal review on the FoIA request on Tuesday. I fully expect a negative response, not least because the OFT's legal council who is conducting the review is probably, err, the same lawyer responsible for advising Jennifer 'pussy' Slocombe to refuse the request in the first place and will therefore be reviewing his own work. A complaint to the Information Commisioner is a cert. In the meantime I have received this out the blue and and have responded accordingly. The letter appears to suggest that the decision taken to investigate
    1 point
  41. Charges aren't my thing, but to add to Rory's reply, once charges are refunded aren't they supposed to be removed from the debt too...? Good luck, Dave.
    1 point
  42. Yes you can do all that. All claims should continue as usual.
    1 point
  43. Hi Abroad girl I don't quite know what to say, you such an amazing person andI mean that. You have selflessly given up your time and got me every piece of info I could need for this bundle and a dam sight quicker than I would have found it and thats a fact. I do not know what to say other than a massive thank you for what you've done for me, you are fantastic and deserve all the recognition that comes your way. If ever you need any help with anything, or just another persons view, I am here, just ask. There are 3 stars shining for me tonight in CAG land. Queen Tricia and
    1 point
  44. Archie thats a general clause thats added to the court directions what do the other directions say ? pete
    1 point
  45. This is the letter I sent when I didnt get a reply to my original letter/request (this is usual and its normally the second letter that gets the results.. this is a NON COMPLIANCE letter) (this letter was taken from this website but I cannot find the link! so I have copied and pasted it) Dear Sir/Madam Ref: (Account number goes in here) I refer to my letter dated {enter date} which was delivered via Recorded Delivery to your offices on {enter delivery date}. You have failed to acknowledge this request by not supplying the requested documents. The documents I requested should b
    1 point
  46. Come on get yer bloody act together Barty! LOL:lol: :lol:
    1 point
  47. DS, i agree, do nothing except what the court tells you to do. Like you said they have to honour the offer made to you, but you do not have to ask them to honour it untill you know the outcome of the test case. That way you can see which is more beneficial to you.
    1 point
  48. You need to change your name as PD says! Not sure how to do it though! I will ask a moderator to have a look and tell you. You need to start your own thread in the hsbc forum. Click on this HSBC Bank and then scroll to the bottom of the page and click on where it says "start new thread". Do it now!!!!!!!!!!!!! By the way, don't give any details away to the members on here! They are like hanabal lecter. You tell them the slightest thing and they will own you!!!!! Only kidding, they are a good bunch on the hsbc site!
    1 point
  49. 1 point
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