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About jysmystry

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  1. So some guy came knocking on my door today asking for my name and address (yes, he knocked on MY door then asked my what my address was!!!) claiming that if i gave it to him a solicitor from his company would ring me and tell me about this "W*NK" (his term not mine!) legislation that would allow me to claim at least £5,000 back from my mortgate provider. Out of pure interest i gave him a fake name and my mobile number and I have just come off the phone to him. They want me to come meet one of their solicitors who will tell me if im eligible to this "compensation". If i am i have to
  2. My god man - ask more questions already!! Your asking really simple stuff here that you could find answers too yourself if you had the initiative to put some time and effort into it. I can't help feeling that you are slightly abusing the kind nature of those who constantly reply to you and they in turn and not helping you by holding your hand so much. sorry - had to say it - this was the most annoying thread I have ever read!
  3. I hate to go agaist the grian of this site but my advice is to go see your bank manager. I was in a similar situation to yourself (default improperly)and spent a long time on the road to court but in the end it was my bank manager who sorted it out. If you go in and see them and explain the problem they will ring natwest Insolvancy and client support team who will in term request that you write to them with details of the issue and they will consider it (and they do). You want to tell your bank manager that you never intended to not pay and that even though you were made redundant yo
  4. So, I've only gone and gotten that default removed haven't I!!! I met a guy whilst out on the razz who was a natwest bank manager in a nearby branch. Told him how much I hated Natwest, he asked why, I explained and he gave me some great advice. Go into your local branch, tell them you have been a victuim of credit card fraud (which I had) and they HAVE to speak to me about it - blanket policy. So I did, went in, cried fraud got an hour meeting with the main branch manager. Explained my situation, said i'd been endlessly ignored and that i felt the default was unfair and unrepresenta
  5. Yes - I left it there. I didnt agree with the judge but my disagreement was based on reasonableness and logic rather than the law. i.e. OE operate in england, i live in england and i we took up an agreement together in england. As such I left it there to see what they did. They have not written to me since and i dont intend to poke the sleeping lion as it were. They came to me looking for £60 and ended up £90 worse off. The last of that money paid off my £15 a month contact lense deal with Spec savers hehe
  6. Its worth a try writing to them, all they can do is say no or ignore you and maybe you will get lucky. In all honesty though its unlikely you will get very far with them, if they even reply to you id probably die of shock. I'd suggest you read the many many threads on default removal here and see if you feel you have any grounds to challenege them. There are lots of people in the same boat as you here so im sure you'll find lots of people who can emphasise with you and offer you what help and advice they can.
  7. By way of an update had 3 letters, nothing exciting really.. From Wescots: - Which obviously i'm pleased with. then from NatWest i got the standard acknowledgement of the S.A.R - (Subject Access Request) shortly follwed by a request for the exact date and time of my phonecalls to them if i want transcripts along with a reminder that not all phonecalls are recorded. Im ignoring this stupid request. It hardly seems reasonable for them to only release transcripts if i can remember the date and exact time of the call!!! Idiots methinks!
  8. nice one, will be interesting to see what they come back with.
  9. I might be wrong here but if Wescot have defaulted you they must have been assigned the debt (rather than acting as agent to the origional creditor). It also rather interesting that Wescots immediatly replied saying no further contact from them. I myself have noticed a significant change in Wescots behaviour recently and Im wondering if they are starting to see the light. None the less. You want to get the default removed and to do this you need to know the facts. Therefore my suggestion is to ignore Wescot's letter and CCA and SAR both wescots and the origional creditor. You ne
  10. This is really helpful info. Ill be looking into this. They really would be mad to run the risk if this superseeds the previous default compo cases thanks bud
  11. I'll admit that based on my experiences I'd have to agree with this. I'd liketo think that banks would listen to people who had valid and genuine complaints but they dont, qite simple they couldn't give a stuff. If i was going down this road again knowing what i know know i wouldn't waste my time trying to place nice with then. Get your info together, get your facts straight and get the ball rolling. Write and ask then to remove it nicely, they'll say no so LBA then court. Its sadly the only way they listen. Its a terrible state of affairs
  12. I think that perhaps I had the slightest glimmer of hope that they would care about their customers. Very nieve of me i guess I'll wait for the sar and cca. I want to see the agreement and if there is any record of a default notice then i'll send them my LBA and draw up my PoC. I know i'm wasting my time with them. I just have to make sure they really don't give a flop. Plus all this stuff helps when it gets to court. That i endlessly tried to play nice with them and that they ignored me and forced the matter to court and only try to talk to me at that stage isnt going to hurt my c
  13. Right, well they totally ignored that letter and instead passed the account back to Wescots. Wescots made the mistake of ringing me at work. In a way i felt a bit sorry for the poor woman as she ran through her pre-written script of terror: - Her: Hello there, could I speak to Mr jysmystry please? Me: Speaking Her: This is Wescot Credit Services Ltd, we are acting on the behalf of our clients the royal Bank of Scotland regarding an outstand debt of £XXXX. when can we expect payment? Me: Never Her: err, this relates to a NatWest credit card account number 4187....
  14. Well this is a REAL pain! I put in my draft Order and the judge has now written back basically saying Optical Express are a company registered in Scotland. You need to either restart your claim in a scottish court or provide me with a justification as to why you think an english court does have jurisdiction. Obviously i don't want to restart the claim in a scottish court but equally I have no idea about how i can alter their view on jurisdiction. I spoke to a local solicitors and they say the same, its a scottish company, you'll have to restart your claim there. Does anybo
  15. Ok, I have thought about it and i want to be reasonable with them ("don't be, they arn't reasonable with you" I hear you cry) so i'm thinkign about sending them the attached. I want to send them this because they have so far refused to talk to me at all so i have never really had the chance to make them any kind of offer. I'm also happy to give up the bank charges if they accept my first offer as it works out at about the same as if i claimed them back. If they reply negativly then i'll go down the normal route and issue the request for charges back, lba then claim and include defaul
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