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gumbodave

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About gumbodave

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. go for it bro! looks like this Barclays company has p1ssed off more than little old Cahoot on my thread! Does this mean you can repay me for all the CDs you wrecked of mine when I was travelling? Only joshing. Good luck, and don't let the rascals win!
  5. SEND IN THE BAILIFFS! i think if they do not pay within the proscribed time period you can then apply for a Warrant of Execution to send the bailiffs to get the cash, or perhaps works of art from their head office! Some others on this forum have first hand experience of such matters, but I believe this is the gist. The court should be able to asist with procedures hopefully. Best of luck and well done!
  6. Does anyone know if there would be anything to stop someone (who is heavily indebted and basically insolvent) becoming bankrupt, then claiming for any bank charges made prior to bankruptcy?
  7. HI SMITH, In my case (hanson v cahoot), they sent in a defence, which wasn't really too scary. They then offered me half the claim in the hope that I would settle, which I rejected, saying that I would be preapred to go to court. They then capitulated, saying that the claim amount (£833 in my case) was not enough to warrant them going to court. I am not sure if they will deem your higher claim justification to turn up to court, though, from what I have read on these pages, it seems doubtful. Hang in there and see what happens. Best of luck! Dave
  8. Don't back down... they will!
  9. All done on the survey. I was just getting psyched up for a court room battle as well! Alas, it will fall on some other's shoulders to get these rascals stitched up in the courts and set that all important precedant that proves banks are indeed exploitative in their business practices and couldn't give a monkey's about consumer welfare or anything that didn't end in zeros. Hurray for Bank Action Group!
  10. 'You haven't clicked my scales though...' I have now, Dinghy! Looks like Cahoot don't fancy court afterall! Received this today: 'Mr Hanson, In view of the amount that you are claiming and the legal costs that Abbey would incur in arranging defence and representation at the Court, the decision has been made that on this occasion, and in this case, your claim will be settled. However, this is on a "without prejudice" basis and is entirely without any admission of liability. 'I have therefore arranged for the sum of £833.59 (representing the claim of £753.59 and the Court fe
  11. Keep up the good work, Whizzkid! We're all behind you and await a positive conclusion that results in humiliation for Abbey and a bit of cash for you! Good luck.
  12. p.s. Don't worry Dinghy, I really appreciate the advice, and wouldn't hold it against you or the Bank/Consumer Action Group if it all goes horribly wrong. I think this cause is too important to let the creditors get away with treading on consumers rights just so they can make a shed load of cash. The really losers are the ones who are so skint they cannot afford the internet to check this site out. I work for a debt charity and have been printing out the step by step guide and template letters and sending them to clients. Hopefully some of them can start getting some of their cash back too.
  13. Thanks Dinghy, Wise words, and very valuable I feel. As such have responded to their defence (and their offer of half the payment) as follows: Thank you for your correspondence dated 19 April 2006. Dear [Cahoot solicitor], I have carefully considered the defence filed on behalf of Abbey National plc. and have come to the conclusion that I must reject your offer of £457.00 in full and final settlement. I have no need or desire to avoid filling in and returning the Allocation Questionnaire I have received (which I will be sending to Leeds County Court as instructed t
  14. Not sure if this has any major implications, but for your information. Consumer Credit Act 2006 On Thursday 30th March 2006 the Consumer Credit Bill gained Royal Assent and is now the Consumer Credit Act 2006. But what does this actually mean? The Consumer Credit Act is the biggest overhaul of consumer legislation since 1974. The overall aim of the Act is to protect consumers and create a fairer and more competitive credit market. In doing so it introduces changes to the licensing of consumer credit businesses and additional powers to drive rogue traders out of the ma
  15. I have just received an offer for £475 of an £833 claim (see hanson v cahoot), so they will definitely pay half or more. They will always say they won't refund the charges initially in the vain hope that you will leave them alone... but don't believe them.
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