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Showing content with the highest reputation on 23/09/09 in all areas

  1. Or could be yanking your chain hoping your hubby will come up with some money to "protect his lady wife" If vans are on finance your hubby needs to photocopy the agreements and send them to Marstons along with a letter saying that they have completed an invalid levy as they should be fully aware they cannot levy on good that are financed and that alll levy fees now be removed. He also need to reiterate to them that he no longer reisdes at your address and that them attending your residence when they are aware of this matter is a breach of OFT guidlines and leaves them open to a writ
  2. OK, i've done a little searching, and surprise surprise Midas Legal Services are in fact part of Moorcroft. So what we have here is a DCA attempting more scare tactics in order to get people to pay up. They are not a firm of solicitors, no solicitors are registerred with them. And whats more if the alleged debt has not been assigned to them they should not be litigating against you, it would be the creditor (i.e. owner) that would have to instruct that. In any event they should not be threatening litigation or attempting to collect on a disputed account, where there is the perfec
  3. Have you sent a copy of this completed form to the other party Yes A. SETTLEMENT For All 1. Given that the rules require you to try to settle the claim before the hearing, do you want to attempt to settle at this stage? Yes Reasons: Without production of the requested documents, I am at a disadvantage and am unable to negotiate a settlement without the full facts. B. LOCATON OF TRIAL Is there any reason why your claim needs to be heard at a particular court? NO C. PRE-ACTION PROTOCOLS You are expected to comply with the relevant pre-action protocol.
  4. Well you know what they say about "playing with FIRE" Absolutely no point entertaining uncle Ken is there? He should know better than recruit this arm of company like this - he knows he shouldn't be chasing this older stuff - so no point offering anything to them. Will they ever learn???????
  5. As well as maroondevo (nice cagger by the way) post also try this link. Yorkshire Bank and Clydesdale Bank and Northern Bank If you get no solid information then just post up and help will be at hand to help you with your claim against Yorkshire Bank. The fact there may be no existing evidence of successful claim does not mean you should not be the first to claim and win:-D a
  6. firstly you should be aware of this: http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/127055-hfc-fined-ppi-misselling.html IMO it is unlikely the Ombudsman would only agree to the HFC offer in light of the FSA fine. But at the end of the day it can only be your decision. aa
  7. Just a quick note, to say I won!!!!!!! Went to court with the help of a really good solicitor in Coventry (Mel from Smith and Wells), who manged to defeat their claim as they did not prove sufficient "business efficacy" when collecting in the book debts. To the rest of you out there with the same problem, don't give up!
  8. STRIKING OFF NOTICE - as a result of a voluntary application or the non-filing of company documents, a company can be struck off the register and dissolved by the Registrar of Companies.
  9. Well, they won't comply - they never do. It all leads on to the 'embarrassed' defence. The point at which you ask the court to make them disclose documents is at the AQ stage when you can ask the judge to issue directions to make them disclose documents. It would be a waste of money to go the N244 route at this stage, and it almost certainly wouldn't be looked at by a judge in time. Their lack of co-operation will only count against them.
  10. sar is no2 in my sig. you need to include a £10 po and send recorded. tis will give you everything they have. i have moved your thread to the welcome forum so you are with allies and might help t read over the other threads there as well ida x
  11. SDFS are complete Aoles. I take it this agreement for the washing machine is a recent one? Was it applied for online? Does she remember signing any agreement prior to delivery of the machine? As for the charges, just write to them and say you are not prepared to pay them, they are deemed unlawful. £35 a month on benefits is far too much, offer them what you can realistically afford, If this is £1 a week, so be it, take no notice of what they tell you about bailiffs, collectors visiting you and court action. It is all Bull S**t, to make you pay. Make sure you keep up with t
  12. By "they have done so many things wrong here...", I mean BH not the solicitors. But on second thoughts.... I'm going to flag up the voluntary surrender thing to the team
  13. My apologies for my shouting - THEY CANNOT JUST REFUSE TO CANCEL THEIR OWN DIRECT DEBIT! Okay here goes (and a thank you again to 'citizenb' for the info I got). Under the direct debit guarantee they cannot refuse to remove their own and charge you for it in prference to others. In my personal case 'they' cancelled all but their own. Your defence to this is simply that you considered it wise to alleviate further charges by taking the action yourself (and that's a plus point LOL). I'm taking it that the £156 is the actual CC request rather that bank charges for not being able to take it? I'm al
  14. Yes, under the CCA 2006; fully implemented on the 1st October 2008; statements must be sent out once a year backdated from 1 October 2008. AC
  15. For the avoidance of doubt, this is the letter that Link sent out to a member: http://www.consumeractiongroup.co.uk/forum/show-post/post-2449237.html AC
  16. Once you make your final payment to BT then inform them if Morecrap are still on your case as BT are responsible for the actions of whatever bunch of threat monkeys they set on you.
  17. Er....in respect of health care, the DOH can and do bill the country of origin, same as other countries do when young Brits go over to [insert party island destination here], get hammered and get into a fight or split their head open and need hospital treatment. It's why we have E1-11's. There are procedures in place in the NHS to flag up foreign vistors to the UK so their country of origin can be billed. If they're working and paying NI on the other hand, then frankly they are as entitled as anyone. The "they come over here to get their chemotherapy treatment for nothing" argume
  18. Hi, Ok, with the advice and contacts many of you have kindly shared I am pleased to say I have just finished writing and emailing to the OFT, Kate Hoey MP, Sally Keeble MP (Mine), Wayne David MP, Caerphilly Trading Standards, Mr. R. Gardner of Lambeth Trading Standards, Northampton Trading Standards and the Ministry of Justice. I have informed them as a matter of urgency to ensure courts throughout the land are made aware of Links latest antics which would hopefully prevent many good people being victimised and blatently cheated. I have also composed a rather good letter to the
  19. I can confirm that the solicitors do telephone first then send Sheriff Cowboys, sorry Sheriff Officers, and also post out the WRIT PAPERS which are not signed for. They need to do this first and give you 14 days to ignore,time order/admit or DEFEND forms 03, 05 & 07 best to defend FORM 07 and ask for paperwork -which will never arrive anyway. it costs £80 to defend in Scotland THE GAME BEGINS
  20. No where. Just not here for one reason and another.. I have been lurking daily though, so I do know what's going on with most things.. Really do need to get back in the full swing of things though..
  21. Hi Undercover Elsa! Thanks! Yes i think i did give Restons a bit of a shock when i sudenlly bought in the cavalry:D Glad i cheered everyones day up with this victory and my thread is a going to be another encouraging one on Cag!
  22. If you have an agreement with them at the moment and you are sticking to your payments then they cant do anything to you. Without the SAR and screenshot they are holding all the balls because you don't know what info they have on you. A Subject Access Report is the information they have on you and under the data protection act they must provide within 40 days, the SCREENSHOT is a computer prinout that should detail every phoncall you have made, when the bailiff called round what colour your door is etc etc. It is a vital piece of information should things escalate to Form 4 level and comp
  23. The council ARE responsible for the actions of the bailiffs that they have contracted to retrieve this debt. They are obligated to investigate any wrong doings by a bailiff that is working on behalf of the council. Over charging by a bailiff is an investigatory matter and they are not allowed to just fob you off in way of telling you that 'its now in the hands of the bailiff'. Get a letter off to the council and head it with COMPLAINT AGAINST BAILIFF CONDUCT AND OVERCHARGING. They can only charge you for a first and second fee regardless of how many times they have been or how many liabil
  24. Ok, here're the sound files from the recording with Link. No regard for OFT Debt Collection guidelines, deceit saying he works for Link, (Not Link Financial, their registered name) an undelivered mail department, threats to make further enquiries as I won't give my name to a total stranger, with denial of any knowledge as to what this phantom letter is about. He knows perfectly well what it's about. His mate then carries on about sent post that quite genuinely hasn't arrived. Strangely of course the letter he promises to send after I've confirmed my address arrives two days later with no pr
  25. Surely this makes you a vulnerable person, so you should inform the Council, and they should call the Bailiffs off. Do this today, they may ask for proof, so you may need a doctors letter or confirmation of long term incapacilty or something. Nope, sorry! You need to speak to the Council, write to the Council, and get THEM to clarify what THEIR SUBCONTRACTORS are charging. The Council are responsible for the people they employ. I am not an expert, and Bailiffs seem very good at bamboozling people, sending your head spinning, so hopefully (from their perspectiv
  26. hi, it is different for each court, you may only petition at your local court or the RCJ in london, give your local court a ring, some operate a turn up service and some you have to book in advance and pay on the day, still others ask for the petition to be sent in advance and then you see the judge a couple of weeks later
  27. As the door was not locked there was no force needed so would not be against the current entry rules set out. however he was told at the door that entry was refused by your son so could be a case of tresspass. as echowitch says above the police must have seen there to be somthing wrong to advise you that they would back you up if any further action should be taken, i would at this time contact the police officer in question and tell them that you wish to make a complaint with regards to the bailiff and the way he has treated you with total disregard to your health and the health of y
  28. Warranty or implied warranty does not come into it. You are covered by the Sale of Goods Act 1979 (amended): Goods must conform to contract in so much as: (a) fitness for all the purposes for which goods of the kind in question are commonly supplied, (b) appearance and finish, © freedom from minor defects, (d) safety, and (e) durability. For the purposes of this Act, goods are of satisfactory quality if they meet the standard that a reasonable person would regard as satisfactory. Four months on something that a reasonable person would be expecting to last the six ye
  29. i had a problem with shop direct charges, sent an email to the CEO and they were removed within 24 hours ida x
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