How to attempt to remove a Default Notice | LearnMoney.co.uk Have you wrote to them stating that there are a number of laws that they have broken some which may be Numerous breaches under the Data Protection Act 1998 Breach of confidence Breaches under the Human Rights Act Unlawful/illegal harassment Not sure if any of this is relevant for you and am not a great expert myself in disecting the above but hope the above link helps you further in your conquest. If they said they served you the DN's its a shame they cannot put it to strict proof that they have with a proof of delivery etc....so it seems your word against theres unfortunately!!! I hope you get a result in the end....good luck

shame they are not being hit with a bill too regarding you having to take time off work for them to come out, now theres a thought

Dont worry beating yourself up theres no such thing as a perfectionist!!! It will get the reads regardless ....when your ready for more assistance post up your docs you will get all the help & advice you need then...good luck

what a joke!!!! glad you stood firm by reminding them when the fault DID occur & not your fault they have still not fixed the it....glad to hear its cost THEM so far ....good luck with trad stds, all your advice you give on here will be a help to others, perhaps even email bbc watchdog, who knows they may be collating stuff against comet at the moment eh for a forthcoming programme!!!!

Not sure about stuff like that myself but the Consumer Forums wording above may act as a logo, perhaps somebody else on the site team may be able to assist you with this (click on the red triangle perhaps) all good publicity I guess & they are always in need of donations to keep this site alive.

Hi do you have children to claim child tax credits at all? I found when my husband tried to claim JSA being self employed for most of his working life it was all down to class 1 or class 2 contributions whether he could get JSA or not (in my case not as I was working, all being a part time wage but was sufficient it seemed to them in order to keep us all!!! - pathetic!) With regards to creditors etc we are with payplan who are marvelous at sorting things out as to what is priority debts & what are not, should you have debts to be met they can negotiate on your behalf token payments (and you get the interest frozen generally on your cards then too!) I hope you get all the assistance & help you so deserve soon

Welcome CBR600F, (husband likes bikes too!!) they often mess up on no's from what I read on these posts. I had an incorrect Default notice stating an incorrect acct no myself. Going forward & to get lots of help & advice from some of the experienced caggers, it will be useful for you to post up the details of your Paticulars of Claim that was on the court forms & dates etc. Also have you asked to see a copy of your CCA to see if it has all the prescribed conditions (when did you take this out?) and did you get a default notice, that will also be useful to see if its defective or not. Use photobucket to upload your docs, minus your personal details of course. Help will be on hand to help you through this and I hope your not worrying too much now that you have found this site......I was in court myself in July with these solicitors....still not out of the woods yet but so far all the knowledge & help I have had from everyone so far has been a godsend....

Hi spookey, popped in to say hello again glad your getting lots of great advice...saw this thread posted tonight which proved positive results so thought of you....glad to see how well you are coping with everything so far..... http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/227440-ppi-blackhorse.html

Yes Supasnooper is right since Oct 2004 online applications are valid without a signature, as long as the box is ticked. Before this, they had to send out a separate CCA for you to sign. Lets hope Supasnooper can confirm if your default notice is perhaps defective for you....hope you have your matters sorted soon

Hi SunnyB there are other threads on the forums re CRB queries, hope some of them may help or hope they wont worry you any further Just use the search button http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/227300-crb-cheque-drink-driving.html http://www.consumeractiongroup.co.uk/forum/employment-problems/225536-crb-checks.html Hope it all works itself out for you

This may help can you check to see if a postal order has been cashed?

Have you got your defence ready yet...its unlikely you will have any docs from your CPR request before your defence needs to be filed, they are reknown for that. MBNA Help needed posting #35 is a copy of my 8000 character defence. Your welcome to chop & change any of this defence to suit

On my posting #105 on my thread mine was a priority request form from the year 2000, either way your CCA like mine is missing the prescribed terms so I shouldnt worry about it if I was you. Like you said though, it would be nice for you to see a similar 1999 application form though to see if anythings been fudged on yours eh???

Hi booda31 just popping on in to say hello, have had these 2 on my back and noticed you seem to be heading the same route that I have been doing since Feb this year. Like others & yourself have mentioned, SJ application is usually the next trick they perform. My thread should you ever want to take a look is at http://www.consumeractiongroup.co.uk/forum/legal-issues/185814-court-papers-help-required.html My day in court was in July so I hope it proves useful some of the info I got too going forward....keep positive and with foolishgirl & supasnooper onboard, you wont go wrong

Will he be allowed..or perhaps he's planning to use it to light the fire with on bonfire night!

Another question rather than starting my own post as the title on this one seems so apt...... 1. When going abroad we were told you would need to sign off then it would have to start again as a rapid reclaim, does that mean it starts from wk 1 again & therefore may become income based related instead of contribution based, or will it continue where you left off on the Contribution based JSA being 16+ weeks in? 2. Also if you go in hospital for a couple of days (yet need to have 2wks off to recover afterwards will job seekers allowance stop being paid during those whole 2 weeks or just the 2 days you are in? Any advice again would be appreciated. Thanks

Update again guys.....I rang the court again today to see if any directions from the judge had been done yet (feel I need to ask just in case they get way laid in the post?) Seems its still with the DJ until he reserves judgement AND was told by the court he is allowed to keep the file as long as he has to and they can't be chivvied along. She mentioned this as the claimants Restons/MBNA were chasing them again yesterday!! Oh well I will continue to sit tight till he's ready, however still find it bizaar this going on for 3.5mths now. Will dream on in the meantime for the DJ to sit on it indefinite

hi mandyjayne, can't believe how quick you got to hear your outcome from 5th Oct....still waiting on mine from July! may give the court another call next week, last time I rang on 11th Sept seems the claimants MBNA had been enquiring too! Guess its them who really need to want to have things rolling more than me tho Good to see your result in writing, lets hope this is the last of it now for you as you've been on some right rollercoasters on the way!

In my case they had a photocopy. They were trying to pull the wool over the eyes of the judge that it had MBNAs signature alongside mine on the app too (underneath a sticker barcode apparently!) without the orig we could not know that though. Nevertheless it did not have any prescribed terms either. Hence the orig needed to be produced! I wouldnt believe all you hear or read take a look at this thread which explains it more http://www.consumeractiongroup.co.uk/forum/legal-issues/198059-unenforceability-cases-hold-until.html

Zak464 I am popping on in to say how brilliant I think you have done so far in taking this as far as you have already, you have been so proactive with your research so far its amazing. There is certainly only one way this can keep going now with the caggers on board now too & thats up....... I have this twosome on me & went to court in July, still ongoing though but perserverence & having all the caggers onboard has proved a great success so far. We look forward to your further postings & no doubt there will be some expert advice along soon to chcek on your DN for definite.......

Ditto (had the email too!!!) it was no point in them coming to me with that, its them who made me no longer a customer after all!!

Since 2004 (I think), online applications are valid without a signature, as long as the box is ticked. Before this, they had to send out a separate CCA for you to sign. (I read this somewhere and kept this info to hand!) Hope somebody can confirm this for you for definite. When is the date you did your application, its hard to work out if there are any of the prescribed terms on your CCA you posted on here unfortunately.

Sorry to read about your poor gran getting calls, these companies have no morals. They are trying to make what few pence in the pound they can get for the debt and let somebody else have the hassle of hounding you for it. Copied from another thread...... Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party. * You may not register any information in respect of the account with any credit reference agency. * You may not issue a default notice related to the account. I read somewhere that there is actually nothing anywhere that states in the above that they shouldn't do it according to OFT guidelines, but that this wont stop them unfortunately. Its only enforcement via a court that they can't do it!! Guess its up to Capquest now who has to provide you with all the eligibility of it now, so when they write to you (after all its in dispute) write back then with the acct in dispute letter advising them the acct is subj to a serious dispute and the date you pursued the CCA etc...

well as long as you show em there not getting to you, smile it off as they obv just want to pee you off coz you have had the upperhand

Well done glad to hear of success stories.....seems Which was reporting on a couple of banks (RBS & Natwest) recently reducing their charges from 1st Oct 09 - about time too.... Which? welcomes lower RBS bank charges - Which? News