Hi Alpha, Let's hope the judge agrees to use your Draft D's.

Hi jogs I'd have to agree with Steven, unless you discontinued at earlier date the process is still live and you can request directions for judgement.....assuming they offered no defence this shouldnt be too difficult. The DJ will not be interested in any association between Cap1 and Cabots as the claim is between 2 named parties only - unless of course they or you wish to enter Cabots as 3rd party litigant. Any costs/damages claim in your favour will be ordered for settlement direct to you. If a costs/damages order were made it would include the recipients details, namely you. If Crap1 chose to make an ex gratia payment to Cab

Hello Noogie. I have raised complaints with the Information Commissioner's Office where the Natwest has failed to comply with my SAR. I get the impression from the feedback from the ICO so far that they think i should have signed my request even though they told me there is no legal obligation to sign it. Will keep you updated. In addition CAG do a digital anti tamper signature or alternatively you could consider signing it across a blue stamp using blue ink. (This was suggested on another thread I saw on here) Best wishes

Or you could use this one which is aimed at PPI Your address Their Address Date DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST Dear Sir/Madam Your name: xxxxxx Account No/ No’s I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of sta

Good Luck with this shirei. Regards PF

Send off a cca request and see what you get back and if it matches the agreement you've got to start with. It'll come with a statement as well so you can check for any charges etc that have been applied to your account. Did you take out any of the insurances with them? We were told we had to or no car so i'm going through the process of reclaiming them.

Looks ok

What date does the AQ have to be back at the court for? Did you get all the necessary paperwork from the claimant? Do all amounts/dates tally? A bit more info about the debt would help everyone. Did you fill in a full defence when you returned the claim form back to the court originally or did you just put you would defend all? DG

I ventured onto Martin Lewis' site at Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more and found that their interest calculator at Reclaim Credit Card Charges: Full guide to get £100s back... was simplicity itself to use and if I can use, it then trust me, anybody can!! Going back further than six years is possible but others can explain that better than me --there are some threads about that somewhere on here.

Hi Saffy, First of all..no "Bailliffs" will come to your door..they can only attend after a CCJ has been granted and only then if you fail to keep up with the monthly payments ordered by the court. Take a deep breath and relax .... better? OK..no signed credit agreement doesn't make the debt go away but it does mean that the debt CANNOT BE ENFORCED IN COURT . This is precisely why the lowlifes then huff and puff to try and scare you into paying anyway. Because they know they're on a loser unless they can panic you! So..don't panic! Simples Send this to whoever is pestering you: http://www.consumerforums.com/resources/templates-libr

All you do is write "attached" on the form and then attach the POC on seperate pages. Copy the statement of truth from the form onto the bottom and sign and date

Essentially yes. It's possible but not likely. All part of the British state's approach to showing the citizen who the boss is.

Hi Bigpaddy, I concurr with dpick. They appear to be one and the same. All it means is that you get bombarded with letters! As soon as i recieve a letter from one i also get another one sent in from reliable, i just write everything to jdwilliams, naturally close and reliable. As i say seems to be going round and round in circles and makes for a very large file but atleast you have all the bases covered!

Call them and say you want a prepayment meter fitted, advise them you cannot afford more than £3.00 a week, any probs ask for their line manager.

Why not 'phone or email FOS and ask? contact us

From what I have read of this, The solicitors provided the CCA and DN AFTER the embarrased defence had been entered. Further information required would be the underwriting sheet to see if any secret commissions had been paid I suppose. H

You could try a letter along the lines of this one http://www.consumerforums.com/resources/templates-library/86-debt-collectors/580-letter-when-bankdca-attempt-to-collect-on-penalty-charge-situation Hope that helps saint

Good luck for today... Best wishes Spam.

Hi CB this is what I believe may have happened: The bottom line is that they convinced the DJ that the DN was valid and the only way they could do that is if they could prove it was served by the 8th. They might have just ignored the fact it was posted on a Friday and counted 2 days + 14 days however I doubt it and the CCA 1974 is clear on what it means by ‘serve’ 189. (l) In this Act, unless the context otherwise requires— “ serve on “ means deliver or send by post to; There is already a Practice Direction regarding Service of Documents - First and Second Class Mail which you are familiar with and which makes it defec

no need just put it in ur defence they have refused to provide u any details in relation to the account. When the AQ comes along u can put in that u want full disclosure under the CPR. One question can u post up a copy of the points of claim as BC has a habit of breaking the rules/law.

Have a look at post 49 on this thread it might help http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/211244-25-days-late-3-a.html

Hi Shirei:) It's amazing how small amounts can quickly add up once you compound the interest isn't it? We recently put in a claim for PPI on an old Direct Line loan from 1999 and the total now owed is over £8000:D Yours looks like it will be even bigger:D:D Have fun doing the maths! Regards, Landy x