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About swanseastu

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  1. HELJA Vs Barclays Like you cannot attend now as cancelled my days leave after I got the letter from the court and smarmy latter from Barclays. Western Mail and national press I think are always interested. I got an article (and piccy) in the Daily Express page 4 only a few weeks ago Im a little behind on all this Cardiff action and need to read the threads to catch up and decide on my next steps of action. Good Luck
  2. Sorry - late night ignorance kicking in here - what you mean by stayed? we both taken a days leave from work to travel to Cardiff by train to apppear in person - is this worth it then? No comms from court grrrrrr...
  3. Im now 8 days away, and reading the hearing, im not sure if we need to put out anything in writing (within 7 days), or if its ok to make verbal rep's as per the links above? Just looking for clarification, my wife is very nervous about having to say something in court, any re-assurances out there? Thanks
  4. I hope that all it means is that each court works in a different way. Good job we have a universal court system :???:
  5. Had a reply today from the Cardiff County Court as follows: General form of Judgement or order Before District Judge XXXXon XXX at xxxx Upon the courts own motion. The Court has made this order of its own initiative without a hearing. Ifg you object to the order you must make an application to have it set aside, varied or stayed within 7 days of receiving it. ITS IS ORDERED THAT 1) Directions will be given in this case by Designated Civil Judge his honour Judge XXX on 14th August at Cardiff Civil Justice Centre 2) The Parties may appear in person or make written r
  6. yep, i think thats what it means, starts off in the alternative, and without predidjuce, and then goes down hill from there. I glad you roughly translated it, cause i thought it could be used a clue from the old tv programme 3-2-1 - where you could win dusty bin:lol: :lol:
  7. SOC - Statement of Charges? - including interest upto the date i raised it, including Court Costs, and any personal costs? Postage, £10 Data Request etc I assume? Thanks
  8. Thats good to hear, we have stuck with Halifax (that was so easy) and then with Marbles (bit harder, but still easy) but these have raised a bit more doubt in my mind. This is the first one we have have to take to the court stage. Just read the 12 paragraphs of defence agaion and the more i read them, the more they seem standard, starting with us not providing the details of the precise charges in the particular of the claim, through to number 12, which just seems to be a riddle.....:o
  9. Hi everyone, little bit nervous as ive got over £4000 easily from Halifax and now taking on Barclays for my financee. We are at the MCOL stage and I have filed a claim for only £800 odd. Today we have recieved the following from Northamption County Court wth the following documents. 1) Notice of Transfer of Proceedings - stating that a defence to our claim has been filed and that the claim has been transferred to the court where the claimant lives. The paragraph on this document relating to the allocation questionaire has been crossed out. 2) The second document, is an ord
  10. Haviung has a good result against the Halifax, I decided to post off requests for statements along with the £10 fee to my other past credit card companies. This problem relates to Egg. I sent the standard 1st letter and fee to these on the 15th January Recorded delivery. I have today (6th Feb) received a reply dated 5th Feb, stating that they acknowledge my letter but Egg policy requires proof of ID to be sent before they can disclose the information (no problem with this - although its a 1st) A later paragraph in the letter reads "We will begin processing your request on
  11. Amount Claimed: £4486 Amount Paid: £4486 Phone call today 31/1 explaining that all my charges were applied under the T&C of the account and HBOS, but they do understand in light of recent publicity my application fror the refund. As a goodwill gesture they will offer me £2000. I politely refused and said that as my case was near the expiry of MY timescales I had prepared court papers and would be filing for the full amount of £4486 plus interest totalling £5700.61. I was then asked, so what figure am I looking for to settle - So I said the full amount of £4486 as I r
  12. Surprise surpirise, my Current account statements (all 176 pages) have arrived 4th January 2 days later than promised and outside the DPA 40 day limit. They arrived Special Delivery hand written polythene envelope and a franked label dated 3/1/07. The deadline was 2/1/07. My letter as detailled above must have passed in the post. Im not sure what to do - let it lie ref the missed deadline or use it as part of bargaining tool? Ive just had a very quick look through and without interest my fees are an amazing (and embaressing) £3990. Without being greedy I would also love th
  13. Yes, I sent one letter requesting the statments for both VISA and current account, along with £10 cheque (which they cashed grrr). Luckily the letters Ive received back actually state my current account number on them so its enough proof that they have received the request I think. The VISA statements have arrived and ive already sent letter 2 to them requesting £240 refund of charges but thats still within its timeline before areply is expected. THe Current account charges im guessing will be upwards easily of £1500 and wonder if thats why they are delaying? With respect to t
  14. Hi everyone, just looking for a bit oif guidance Sent my initial letter to hbos on 20/11 from the template requesting info on my current and visa accounts. Got letter back postmarked and dated 6/12 ref my current account acknowledging my reequest and stating that under Data Protection Act i would receive a response by 2/1/07 To date I have only received my Visa statements but not my current account ones. Just called the main 203040 Halifax phone number to see where they are and they say they dont have any info on my request, cannot transfer me to the Carlton Street Data Su
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