Good job no-one is that bothered about what you think then, is it?

Also i have noticed on the paperwork a VD charge. They seriously need checking out. Part 18/CPR Account In Dispute Dear xxxx, I acknowledge receipt of your notice of intended legal action sent by your company on 3rd July 2007 which was received on 6th July 2007. Please be aware that any proceedings will be extremely vigorously defended and that a counterclaim will be made against ** DCA **. I am unable to respond further at this time, since you have given me inadequate information to investigate the claim. Please note that under the Overriding Objectives, you have a duty to act reasonably at all times. As you a

I'm just not a fan of your brand of advice, that is all. I don't think one-size does fit all. You also spent alot of effort announcing your departure. Seems odd to me. If you don't want to post you just don't...

can you scan and post it up? to see the exact layout? ida x

Nice one ozzy. This insurance [problem] is just that, a [problem]. If you cancel your Tesco insurance now and smash up 'their' goods, it just means you have to pay for it out of your pocket and if you don't, then they take you to court - simple. Also the even bigger rip-off of service insurance. Since you have had the TV and Computer, have they been out to service it, have they changed the oil filter and spark plugs? I particularly like the bit where it had to be in writing and you said "give me a pen and paper then", wonderfull. Shame you didn't look towards the ceiling and start whistling when he was talking all that rubbish.

I read the other thread and thought it was probably a bit of a hollow attention grabbing thing. How daft of me to get excited... No-one takes that long to say 'bye' unless they don't really mean it.

duly obliged. got becky me.just a quick call thanking you for contacting mr ton. becky.is mr ton a customer,do you have a reference. me.no just saying thank you due to your contact mr ton will be resuming buisiness as usual on CAG. becky.sorry me. you will be. SAM

In answer to your question I saw it another thread re fos being no good but in fos leter it said something along lines of I know this is no good to you but if it was another bank ie nasty westy then the result may have been different sorry cant pinpoint where i saw it on here but thats the gist of it regards Gary

42man, B3rty, Spamalot,Having a Knighmare, I've got no money, moneyworries and everyone else who helped me with this present predicament with Marlin Financial Services and the legal outfit Mortimer Clarke, a huge thank you for your support, interest and indeed patience. It gives me huge pleasure to paste the letter I've just received below. There is hope and if anyone is in trouble then this C.A.G. site is where you need to be. Don't give in..............ever.

Moved to business claims forum as requested. I suggest you do some reading in the business claims forum to see what others are doing. Can you give us an account of what action you have taken so far? When you say you lsot your house, was this purely or largely as a result of bank charges? Don't worry about Lloyds closing the complaint - we can soon make them open it again if we want to

The way I would do it is. If they have failed to send you a Consumer credit agreement like you requested then the debt is unenforcable so I would send them an account in dispute letter from the templates section (amend to suit) and then it is upto you.... Pay them what you are paying now or don't pay them anything. They can't add charges and interest and they can't pass your details on to credit refence agencies or debt collection companies. the simple fact is if they haven't got a signed CCA then you can tell them to get stuffed and sit back and put your feet up. Maybe send them something like this. Account in Dispute

DO not beleve them it is statute barred after six years if you have not made a payment or writen admission of the debt. If this applys to you then send the jokers this Dear Sir/Madam Acc/Ref No 4563210025897412 You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves. We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” We would also point out that the OFT say under their Debt Collection Guidance on stat

Dont know whether the following will be of use to you lexis. http://www.consumeractiongroup.co.uk/forum/show-post/post-2309556.html More importantly see section 6 of the same Act..

I sent mine in the post, I printed off three copies of the N1, attached to each copy a list of charges and the POC's. Leave the claim number blank and the court will stamp one copy and send back to you, send one on to the defendant and keep one copy... jobs done If you take it into court I believe all the above is similar except you obviously get handed back your copy straight away. As to MCOL, I think you'll need to issue online and then the reference number given will need to be put on the document and you will need to send it into the bulk centre I believe..... not sure if you have to "serve" the documents on the defendant yo

Here is one I have been given. Dear Sir/Madam, Re: CPR 31.14 Request On xxx I received the Claim Form in this case issued by you out of the Northampton County Court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Prior to the issue of proceedings I had delivered a request for the production of the agreement mentioned in the Claim Form and on which you rely. You failed to comply with that request. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible co

White v. Greensand Homes Ltd. and Another – Times Law Reports Current Awareness Case Law Update June 2008 Pleadings - Withdrawal of Admission - When To Give Leave White v Greensand Homes Ltd and another [2007] EWCA Civ 643 CA Weekly Law Notes Summary 28 June 2007 A defendant, who has made a mistaken admission that he had been the designer of a building in pre action protocol correspondence which he repeated in his defence filed in proceedings, could not withdraw the admission without the court’s permission. In considering whether to grant permission the court had to have regard to the question of any prejudice to eithe

if you have a case against capital one go thru the normal methods ie, ask for your statements, wtite to them, telling them you want the charges and interest back, when they refuse write again threatening court action, when they refuse again just go thru moneyclaim online. it took 3 weeks once it got to the moneyclaim bit. incidently it was the £12 charges i got a refund on.

OK, i have interesting development here. MBNA, I made a request section 78(1) and got application form. Send letter requesting an Agreement. Didn't get it. Adviced them of default then 28 days of offense. However, I continued paying their demands( they ignored my requests to stop). At the end i took them to court (N1 form) and requested the REFUND of all charges during their offense/default. They filed admission but they never filed DEFENSE. So I got Judgement in Default. they didn't pay so I sent to them Warrant of Execution. However, judge refused to issue an order for them to stop acting on account despite the fact - that was written o

Trade Descriptions does not apply to Royal Mail. Don;t use the term 'track' - it isn;t - letters are handled in the normal course of the mail with no special treatment. You will be permitted up to £35 compensation for the loss - but you turn their argument on itself by saying there is no 'Mark' at the address. Yes, it may have been mis delivered in error with other RD items, that's why if the items were important, you need to use SD where tracked handling is provided. Claim your money for actual loss up to the limit and move on - your attempting to go down a well-trodden path that ends in a cul de sac.

Yes

[ I have a feeling the baillif name was Nutt or Nut, (the firm was Ross and Roberts) HOWEVER when i searched for him on the online tool the only Nutt on there, his Cert ran out 22nd July and mine was served on the 23rd? I will check and call the Firm and check the name or will check on Tuesday when he comes back BUT if that is correect then am i right in saying the WPO in invalid? ] You will see in the STICKY section that there is a link to the new ON LINE search website where the public can check to see if the bailiff is certificated. It would appear that the certificate did expire on 22nd July. In cases such

I took advice from TT and my own solicitor on a similar matter. since the property is not yours the bailiffs cannot touch a thing, however this doesn't mean that they wont still try it on and may even take goods leaving you and your parents to sort it out. If they know 100% that the premises and its contents do not belong to you then they cannot touch anything at all as it would leave them liable to legal action My G/F moved in with me and soon after Rossendales appeared demanding council tax arrears for her, from a previous year. this is my house and with the exception of a few personal items and her sons bits and bobs, the co

Right im off to bed now for another unsetteled night of sleep worrying about this, Ive not had a decents night sleep in nearly 18 months due to this and the baby of course. I REALLY need to win this..................... for my sanity.... Thanks in advance for all your continued support... I just still cant get my head around why they are continuing for a loan my husband is not even aware he took out.. he only ever increased his previous loans... I dont know am ready to just give up, may feel differantly in the morning. Are there any other wives out there that seem to be tackling their OH's debts whilst they just blissfully thin