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gazbo34

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About gazbo34

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  1. Thanks for the replys guys and gals, been working away for 2 days in the middle of nowhere with no internet so only just managed to read them. Think i'll just wait and see what there next move is,and then if they start becoming annoying i'll send them the SB letter and wait to see what rabbits they try and pull out of the hat !!!! Sunderland1 - yeah ive just re read your thread,shows you just how sneaky and underhand these DCA's can be, fingers crossed the end is in sight:-D
  2. Hi Guys and Gals, I'm back again and dealing with my favourite DCA !!!! Quick bit of background info : - Approx Jan 14 I won a SD hearing against BW Legal (acting for Lowells) due to lack of CCA and other paperwork etc- although I was that made up to win I forgot to ask for my costs which still annoys me to this day !!!!!! move forward to May 2015 and I received through the post a letter ( copy below) from BW Legal with an attached copy of my CCA ( which they couldnt find 18 months ago) and advising that they wanted to find an amenable solution to recover the outstan
  3. If you've done a SAR request to Lloyds then it will probably be that as when I sent my SAR request that's how it arrived ( All 5 reams if it !!!!)
  4. Hi Guys and Gals, Got a quick one for you :- Am in the process of selling my house, should be done and dusted in the next 2/3 weeks and this will clear the mortgage and leave a bit of spare I have had a quick look at my mortgage account and have approx £2K of charges on my mortgage account (No contact fees, Arrears management fees, Arrears letter fees etc ) going back over a 4 year period, so can I claim these charges back and if so is it possible to do so if the mortgage has been payed off ?? Any help appreciated Gazbo
  5. Here's a run down of how the day went:- Arrived at court and checked in at reception where I was told Lowells solicitor would like a chat with me. He came over and introduced himself and informed me he was self employed and didnt work directly for Lowells but had been asked to represent them. He then told me that they had not been able to produce any paper work and as such they would be withdrawing the stat demand, I asked if this would be in writing and he said that we would still go before the judge but it would be just to confirm the stat demand withdrawl and then to sort c
  6. Update Time :- :whoo::whoo::whoo: Stat demand set aside, will put more info up later but a big thx for all help and advice received. Goes without saying that another donation is on its way to the forum Gazbo
  7. Off to court so fingers crossed, will advise how i get on later Quick double check, is it ma'am or madam if its a female judge?
  8. Well tomorrow is the big day and have currently got information overload !!!! Have bullet pointed what I intend to rely on with no CCA being the main one but in case they do pull a rabbit out of their hats have some other points too !!! 1) Failure to comply with s78 request 2) No statements to show how the sums said to be payable are due and if theirs any PPI and/or excessive charges 3) No valid default notice in the prescribed form was sent 4) No notice of assignment has been correctly served 5) 2 c/cards were amalgamated onto this account so CCA request for them 6) Clea
  9. Quick bit of advice needed re costs, do i need to hand/fax them into court tomorrow (day before my hearing) or as I mentioned costs in my set aside can I just take them with me ? As always, any help/advice appreciated Gazbo
  10. Hi guys and gals, If anyone can have a look over the following and let me know what you think :- Costs For Set Aside Application Case No xxx Rate Claimed Litigant in Person rate of £18.00 / hour Travelling Costs HMRC Approved Mileage Rate of 40p / mile 1) Time spent identifying,researching and understanding relevant legislation. Time spent identifying,researching and understanding relevant case law. Time spent preparing set aside and defence arguments. 18 hours = £324.00 2) Time spent attending court to file set aside 1.30 hours = £ 27.00 3) Loss
  11. Update time Hadnt heard from the court so called in on Friday, was told they had sent me a letter out in early December and that my set aside hearing is now confirmed for the 14th January (Good job i Checked !! ) As usual ive got a couple of questions !!!!! Not heard from Lowells if they have found my CCA, do they have to inform me if they have found a copy of it as stated in one of their previous letters or can they just turn up at the set aside with it ? I havn't currently found a payment that is more recent than 6 years ( although still got over 2 reams of paperwork to
  12. Hi sunderland1, just popping over to wish you and the ex good luck for tomorrow.
  13. Hi sunderland1, good luck with your set aside tomorrow (got my fingers crossed for you) keep me updated how you get on, gonna pop over and have a read of your thread now
  14. Update time :- Not heard from the court yet but did get a letter off BW today (dated 20/11/2013) which has a case number and hearing date and time and attached is a Notice of Acting (new one on me!!!) Will keep you all updated Gazbo
  15. Cheers ericsbrother, will keep you updated as and when i hear anything else Gazbo
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