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About funnymoney

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  1. Thanks, I'll be posting my Subject Access Request today. Hopefully they will delay Committal Proceedings until I receive the information.
  2. Would I be right in thinking if they take me to court for the committal proceedings then the burden of proof would lie with me to prove payment was made, but if I take them to court for losing the payment the the burden of proof would be on them to prove I haven't paid? I'm not trying to avoid paying my CT, but I do not want to pay twice.
  3. Hi all. I need some advice. I received two letters from my local council recently both titled "Council Tax - Warning of Committal Proceedings", one refers to last years CT (2012), the other for CT (2010). The 2012 CT is outstanding and I have cash ready to pay in full (£832.33 inc court costs etc). The 2010 CT I believe has already been paid. I called the CT office expecting to be told it was an admin error and that 2010 had been paid in full. No such luck, I was told not only is 2010 outstanding, but also 2011 (I'm sure this was paid in full too). I was asked if I had a rece
  4. hi all, barclays have submitted a defence. Has this happend to anyone else when recovering bank charges ? I was expecting to win by default after 14 days thanks in advance
  5. thanks for that monkey, I can now send my LBA !!!
  6. Hi all, in the LBA template it states: "I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the xxxx" Now I'm sure this is a dumb question but... Is the schedule just the amount to refunded or should it be complete breakdown of the total amount ? thanks in advance FM
  7. Hi Andy, I have a similar question regarding a £20k loan, which not only was I bullied into, they faxed the contract to Switzerland to be signed, I belive this to illeagal as loan contracts can only be signed in the country in which the loan was offered ie. UK. At least that is my understanding. I think the main point for both of us is irresponsible lending... Can anyone provide more info with regards to this ?
  8. top draw whizz,well don and congrats. Last time I read this thread you were waiting for the set aside hearing, and I was losing the will to continue with my claim, however you have spurred me on no end and I'm sending my lba tomorrow! Their latest delaying tactic of the "set aside" was until now uncharted territory. You are a true pioneer and I suspect enemy No 1 of the banks....lol
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