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sitcom123

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  1. My scanner is playing up, but the t&c are as follows 1. The money will be credited to your account payment takes into consideration the £750 already paid to you by our client on 8/5/07 2 The payment will be in full and final settlement of your claim 3. The terms of this agreement are confidential to 4. The terms of this agreement are confidential to the parties and their legal representatives 5. You agree to keep your accounts with the bank within their agreed limits and in accordance with the terms that govern the account 6 You make contact with your Lloyds TSB manager and arrange a review of your account. The bank wishes to avoid further situations which give rise to disputesa A review may be useful to consider whether your current banking arragements are the most appropriate for your needs. 7. You must notify the court immediately once payment has been made and provide a copy of your letter to the court for our records Please let us know if you are willing to settle on these terms and if so the bank will credit the above amount to your account if so please sign a copy of this letter as confirmation that you are bound by these terms and return it to us as soon as possible
  2. i will scan it when i get in and post it on here. Thank you so much for helping
  3. below is the letter i sent them, what do you think???? Dear Sirs Ref: Your Offer of Settlement Account: ................ Sort Code .............. Claim No: in Bolton County Court I acknowledge receipt of your letter date 13/7/07 I accept your offer as full and final settlement only for this claim of bank charges made on my account between July 02 and Oct 06 (dates of first and last charge) However I will only accept an unconditional offer and will therefore not be signing your acceptance agreement I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977. I will be willing to withdraw my claim and will send a Notice of Discontinuance to the Court upon receipt of unconditional full settlement of my claim I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £2686.49, in order to be afforded this privilege by myself. I trust that you will find this arrangement acceptable. Yours Sincerely
  4. i have just rung the girl from SC&M and she has told me that a standard letter will be going out to everyone who has sent an acceptance letter to them not accepting conditions to state they will not therefore be paying and will be proceeding to defend in court. she said there are quite a lot of them so it will be next week probably before i get it in writing. Feeling a bit nervous about it all now and i thought i had won!!
  5. Thanks for that. I will try to find an email address or if anyone knows one please advise thanks again
  6. Thanks for your reply, they have received the acceptance letter but because I have not agreed to the conditions they said they are not paying, so dont know whether to accept the conditons or not???
  7. I have just been on the phone to SC&M re my daughters claim. They sent a letter 13th July offering full settlement. I sent back acceptance letter from site stating i accept without condition blah blah blah. The money has not yet been put into her account. the girl at SC&M has just said because we have not accepted the terms then they will not be paying out and they will just proceed to the court hearing on 29th October. What do I do now??? Should I accept the conditions as surely they must now be going to court
  8. Just had a letter from Lloyds today saying "we want to let you know you have gone over your overdraft limit" (yes because you charged me £120 in overdraft excess charge!!!) and we are now charging you £60 for going overdrawn!!!!! so that is £150 in charges in less than a week. Although the lovely Lloyds have told me they will not take it from my account until the 1st September (how kind of them)
  9. thanks for your advice. I will find the money and I will find the money. I do know though that i am not exempt. The thought of 2.4k is spurring me on plus the fact the cheeky sods have taken exactly £120 off me since end of June. I am tempted to just send off the N1 form and not send another LBA as they have had plenty chance to reply and the letter was sent recorded delivery. I will update when I have any news
  10. After helping my daughter win back over 2k from the horrible Lloyds TSB I am now in the process of having a go myself. I sent off my first 2 letters and the 14days was actually up in May. I had hoped they would offer me the goodwill payment of £750 that a lot of people got but they just ignored my letter completely and to be honest I have not been able to afford the £120 for the N1 fee. I have in the past 12 months sorted most of my finances out and have not really been over my £50 overdraft by more than £20 in the past couple of months I went on my online banking yesterday only to find that Lloyds have charged me £120 in overdraft excess fees in the past 6 weeks.so i am now £90 over my overdraft which is going to put me in the same position again as i was 12months ago. when my salary goes in it will have the £90 taken off straight away which to me is the amount of my council tax so that wont get paid and i will be charged for unpaid DD and that will put me overdrawn again and i will get overdraft charges...and so on and so on..... So now i want blood I am going to find the £120 and send off the N1 this week. As it been a couple of months since my last contact do i need to write to Lloyds again or just go ahead with the N1 form. and do i send the list of charges inclusive of interest now with the form .the total amount is £2395.00 inclusive of interest.
  11. thanks Sequeci that was just what i wanted to hear. I will just sit tight then and see if there are any further developments.
  12. So do you think as they are the same company then they probably have not got the CCA. Do they have any other tactics they might hit us with that I should prepare for, or should I just sit tight?
  13. Hi everyone, just an update, letter receieved from Connaught today sayhting that the contents of my letter had been noted but to inform me the file has been close and returned to 1st credit. They said to forward any correspondence to 1st credit. They have also sent back the £1 postal order i enclosed. So what do I do now and more to the point what will 1st credit do now?????
  14. No the debt is actually my daughters, she has lived with her boyfriend for 3 years the house was bought in his name only as she had bad credit history. She has a car
  15. Just been reading threads on site and there is mention of having stat demand set aside. Should I be doing that? Connaught sent a letter saying they were in a position to petition bankruptcy. They have received CCA request on Tuesday (Track & Traced) or does she sit tight and wait. she has no assets other than a car debt is for £3382
  16. Thank you everyone on here esp curly you have given some really good advice I am so glad i came on. I have rung connaught and the guy i spoke to was okay really, he just asked what i proposed to offer and i said i had sent a letter off asking for the original credit agreement and he said that was fine. Now I am worriying that it was too simple and too easy :o plus i stupidly never took his name
  17. Thanks Curly, what do I say to them???? Do I say i have sent the CCA yesterday, will they try to harass me to agreeing payment, and if so should i agree for her to pay so much per month to alleviate court and then wait for CCA or what???
  18. Well a sleepless night worried sick about the letter we got saying they are in a position to present bankruptcy petition. I sent CCA request by special delivery yesterday for my friend only for her to get this letter in the afternoon! Should I ring Connaught or should I tell her to sit it out, the thought of bandruptcy petition has turned her into a wreck, Also the date on the first letter was 10th July postmarked 12th July arrived 19th July petition letter dated 25th July do these dates all tally with the 18/21 day thing my brain is pounding!
  19. thanks would appreciate it if you could update me if you find any more info. Does the 18day 21day thing make a huge difference. I have worked out that 18 days would have been saturday 28th July if the letter is dated 10th July and the letter they have sent now is dated 25th July
  20. okay no problem thank you for being so good with all this
  21. Curlyben I have just seen the letter you have asked the yellow about and that is the same one my friend has received. I must have misread it at first as i thought it was 21 days and when i have looked at it on the site it is 18 days to set aside and 21 day to stop petition. Should we now be worried I feel quite sick to be honest. The letter is dated 10th July but she never received it until Thursday 19th July. Should I ring them tomorrow do you think or not???
  22. sorry for being dumb but where will i find the issuing court. the letter just received today says they are in a position to present a bankruptcy petition but does not state where or when or if
  23. Thank you!!!! This debt is about 6 or 7 years old I think so what will happen if it goes back to original DCA
  24. bump again people.... sorry if i am being a pest any advice on whether this letter means that it will now go to court
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