no it was the repo men without court order

hey the police did the same to me, on monday night the repo men came and said they wanted the car , as ive already explained to them on the previous friday that im sorting the arrears out directly with british credit trust not them they brought the police with them , i told the police the car was at the back of my property which you can see from the main road, the driveway up to my drive is joint owned by three other householders . We all have allocated drives. when i said i wasnt goint to hand over the keys the copper said he would arrest me , my wife and give our three young daughters to social services and they would force entry , i gave the keys , they took the car, gave me a piece of paper with my details on it , what i would like to know was, (1) was the police right to do what they did, (2)what should i do now , thanks.

I contacted abbey today, spoke to a louise jacobs , my claim was for £3700 plus costs , she agreed the total of £4077 because my case was on the 8th of may , the cheque will be sent within 7 days, A BIG THANK YOU TO EVERYONE WHO HELPED ME without you lot i wouldnt have managed it:) :) :)

can anyone help me please, i have recived a court date for the 8th of may against abbey, but im stuck, any help would be greatly appriciated

About the OFT (not so) impending report - PLEASE READ THIS IF YOU'RE WORRIED In the "Tonight" programme a few days ago, Martin Lewis announced his belief that the OFT "cap" would be set at £12-£15 and that the banks would then only refund the difference between that amount and the amount people were charged. This opinion created a panic amongst reclaimers, thinking that they were about to lose a large chunk of their money if they didn't rush to claim now. This needs a few clarifications: First, this is Martin's opinion. It is not based in law, or insider knowledge. He may be a well known journalist, but it is still only his personal opinion, speculation if you will. The facts are these: a) The OFT is a regulatory body, they do not make law. The only way the law can be changed is through an Act of Parliament. b) The OFT, when they announce the results of their enquiry on bank charges, will only be announcing a level at which they themselves will take legal action against the banks. It is not a cap!!! In their credit cards report of April 5th, 2006, they clearly stated that they could not declare what was a fair or lawful charge, only the courts could decide on this. Furthermore, the OFT also declared at the time that consumers who felt that they had been charged unfairly should go through the legal system to reclaim their charges. There is no reason to suspect that their stance will not be identical this time. c) The law on penalties is well entrenched in contract law. Even if a bank tries to tell you after the OFT announcement that they will only refund the difference between the "cap" (It's NOT a cap!) and what you were charged originally, (leaving aside the fact that such a decision couldn't apply retrospectively anyway ), well, they also told you their charges were lawful, fair and transparent, and did you believe them? Why should you believe them now? d) Bottom line is this: If the bank try to say that they'll only refund you the difference, carry on with your claim. They will still have to convince a judge that what they are charging is lawful, which means they would still have to disclose how those costs are calculated, and they still won't want/be able to do that. Conclusion: Ignore the sensationalism, stick to the facts, and you can't go very wrong. In other words, business as usual, OFT or no OFT report. I hope this helps setting a few minds at rest. __________________

About the OFT (not so) impending report - PLEASE READ THIS IF YOU'RE WORRIED In the "Tonight" programme a few days ago, Martin Lewis announced his belief that the OFT "cap" would be set at £12-£15 and that the banks would then only refund the difference between that amount and the amount people were charged. This opinion created a panic amongst reclaimers, thinking that they were about to lose a large chunk of their money if they didn't rush to claim now. This needs a few clarifications: First, this is Martin's opinion. It is not based in law, or insider knowledge. He may be a well known journalist, but it is still only his personal opinion, speculation if you will. The facts are these: a) The OFT is a regulatory body, they do not make law. The only way the law can be changed is through an Act of Parliament. b) The OFT, when they announce the results of their enquiry on bank charges, will only be announcing a level at which they themselves will take legal action against the banks. It is not a cap!!! In their credit cards report of April 5th, 2006, they clearly stated that they could not declare what was a fair or lawful charge, only the courts could decide on this. Furthermore, the OFT also declared at the time that consumers who felt that they had been charged unfairly should go through the legal system to reclaim their charges. There is no reason to suspect that their stance will not be identical this time. c) The law on penalties is well entrenched in contract law. Even if a bank tries to tell you after the OFT announcement that they will only refund the difference between the "cap" (It's NOT a cap!) and what you were charged originally, (leaving aside the fact that such a decision couldn't apply retrospectively anyway ), well, they also told you their charges were lawful, fair and transparent, and did you believe them? Why should you believe them now? d) Bottom line is this: If the bank try to say that they'll only refund you the difference, carry on with your claim. They will still have to convince a judge that what they are charging is lawful, which means they would still have to disclose how those costs are calculated, and they still won't want/be able to do that. Conclusion: Ignore the sensationalism, stick to the facts, and you can't go very wrong. In other words, business as usual, OFT or no OFT report. I hope this helps setting a few minds at rest. __________________

ive sent my a & q of 2day , nearly there now ;) ;)

dont know yet, read the news of the world, hows natwest?

i have recieved an a & q from the courts today and at the same time i have recieved an offer from abbey offering to settle the account , they offered me half of what im claiming for , obviously from listening to you guys im refusing it , but does any one have a phone number to contact this lauren bernard . thanks , oz

can anyone help me please , ive just found through the money claim website that abbey is going to defend my case , i need to know what to do next and does this mean i might have to go to court . also when i called them a couple of days ago they told me they havent recieved another copy of the charges even though royal mail said it was delivered. will this go against me, i really appreciate any advise :confused:

i sent abbey another copy of the charges because im taking them to court, i sent it by recorded delivery and they arent signing for it , i dont know what to do because when they wrote asking me for they also said they didnt know how i got to these figures,even though i sent them a copy back in december and they sent a letter back comfirming reciept of them, their 28 days is up on wednesday 27th feb and im not sure what to do . Can any one help me please [/url]

can anyone help me please, i wrote to abbey in december about unfair charges amounting to £3795, they didnt want to know, so i went through the money claim website, taking them to court, they have written back saying that they are going to defend the claim, what i need to know is , what do i do now and will this mean i might lose the case , also they are saying i didnt give them any info as to how i got to this amount, but back in december when i first wrote to them, i sent a copy of every statement to them

can any one help me please, i wrote to abbey in december about unfair charges amounting to £3795 , they didnt want to know , so i went through the moneyclaim website, taking them to court, they have written back saying that they are going defend the claim , what i need to know is what do i do now and will this mean i might lose the case, any info would be gratly appreciated