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Everything posted by sohiab

  1. I recently split up with a partner and she wanted the car. However, when we purchased the car we purchased it together i.e I paid 50% deposit and she agreed to pay the monthly instalments and get her share on credit. Therefore, due to the finance the logbook is recorded in her name. As i wouldn't give her the car recently she after an argument she reported the car as Stolen and cancelled the insurance which she usually took care off and i got arrested. I managed to avoid getting charged for this and am now wanting to try and claim back my share of the car using small claims court? I can show my deposit wired to her account for the exact deposit on a bank statement and I can also show text messages for some of the monthly payments. Is this something I can persue?
  2. I recently had the moneyshop empty my account of new years eve and i'd written a complaint to them to confirm that i was never given any notice! It took three months to even respond to the complaint and despite this, they rejected this. I also have an issue with the 25 charges i'd been paying, i want to know if i can try and reclaim these? I am in the process of going to the FOS who are just as bad as some of these lenders in terms of response times.
  3. Well I'm meant to be waiting for the final response, but I will go to the OFT and FSA
  4. I have made a complaint to the MoneyShop in relation to them clearing out my bank account on New Years Eve with no Prior warning. Having written to them in January, the promised to respond by mid febuary. Despite another letter they have not issued a final response! What can i do?
  5. Hi, I'm currently trying to tackle my debts and have recently paid off all my payday loans. However, I have asked the moneyshop to close my account and prevent me from having the facility and they refuse to do this. I've destroyed the cheque book, but can I do anything else to get them to remove my ability to draw on credit with them?
  6. I'm close to paying this off. However, I want to challenge to £25 and £15 pound fees that have been applied when this has happened. Has anyone successfully challenged them?
  7. yeah I've taken a look. It's annoying as they have caused a direct debit to fail. I'll actually have the money to pay them off in full by the end of the month and wont be using them again after!
  8. I had a check declined by The Moneyshop. However, they decided to take the funds from my bank account on the evening of New years eve so i had to walk home for 5 miles. They didnt contact me to tell me that they were going to do this! I had direct debits that needed to be debited the next day! However, it looks like they didnt manage to take all the money they needed and I am now worried that they will do it the next day when i have rent to pay! Anything I can do to stop this?
  9. Ok, yes I will pay. It's annoying as my credit file shows one payment behind and I have had issues that i let them know about!
  10. I'm confused as it looks like I got issued with a default notice today, according to my credit file my account is two payments behind and the notice states that if i dont pay by the 23rd September no further action will be taken. Does this mean the default will only be applied if i make a payment?
  11. Ive been offered a TUPE transfer to another company and its a few hundred miles away! I have a mortgage, another job and other family commitments to the area. However, if i dont take this transfer it looks like i wont get any redundancy..is this fair?
  12. Yes, it was mainly solicitors and witness fees i.e £120 to prepare documentation and £200 for two hours solicitors time. However, they have agreed to withdraw this claim today and I've asked them to send a written confirmation to confirm that's the case. It pretty much ruined my bank holiday weekend, but i cant complain.
  13. Well they want the whole lot, Solicitors fees ect adding to around £795 for my initial claim of £400! I explained to the solicitor that I sent their client a letter at the same time as sending the court a letter for discontinuing the case. He said he will look into it..I did also call the law firm and cancel but the solicitors receptionist couldn't find my details (I have a log of the call and time). I really don't feel I've acted unreasonably. If they had received the letter then I guess I wouldn't be in this position. Though, the did attend court because of this.
  14. They have actually made the application under CPR 27.14 (g)
  15. I didnt think I could go through with the case against the evidence and legal team. Liability for costs 38.6 (1) Unless the court orders otherwise, a claimant who discontinues is liable for the costs which a defendant against whom the claimant discontinues incurred on or before the date on which notice of discontinuance was served on the defendant. (2) If proceedings are only partly discontinued – (a) the claimant is liable under paragraph (1) for costs relating only to the part of the proceedings which he is discontinuing; and (b) unless the court orders otherwise, the costs which the claimant is liable to pay must not be assessed until the conclusion of the rest of the proceedings. (3) This rule does not apply to claims allocated to the small claims track. (Rule 44.12 provides for the basis of assessment where the right to costs arises on discontinuance and contains provisions about when a costs order is deemed to have been made and applying for an order under section 194(3) of the Legal Services Act 2007) Also, i was under the impression that under CPR 38, this wouldn't apply to a small claims court claim
  16. No court seal, just an informal request. Came from Solicitors and doesnt appear to have any court documents. I've written to them explaining that i didn't want to pursue the case and it looks like they didn't receive my letter! I thought that a small claims court case would not make me liable to such expenses, or else i would have started it in the first place. However, i'm now in no position to pay such debts and i'm afraid that they could effect my credit rating ect.
  17. Ok, I dont have the money, how long do i have to pay this? I could incurr further costs? What should i do?
  18. I cancelled this claim before going to court, I wrote to the court office and the solicitors. However, it doesnt look like the solicitor got my letter and have billed me for £765 for not informing them! What can i do? This has turned into a mess and i dont have that sort of money!
  19. Yes, I responding by special delivery and have yet to recieve any further paper work. They needed the response by the 18th of April which they received. I'm assuming i now have to prepare for a court case, as i have a court date of the 31st! Any help with this as i have a court date on the 31st and it doesnt look like they are going to budge.
  20. I have a case booked on the 31st of May, they requested further information in relation to charges on the 4th April. Im claiming credit card charges and interest. They have not filed any additional paperwork.
  21. Looks like i have a court date for CC charges for the 1st of May! Looks like they are defending. .Anyone who could offer me advice on how to proceed?
  22. Did you get any response from anyone? Are Lloyds now defending? I dont see any recent success stories of late...
  23. Ive just filled out an allocation Questionaire for the Courts for my bank charges case. I'm not sure how long it will take Lloyds to reply. Are they now defending in the courts? Looks like i may have to prepare for court?
  24. I've just sent off the above letter and am waiting for a response. I'll let you know how it goes. They have responded to say that its being looked into.
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