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MRS_P

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Everything posted by MRS_P

  1. How would I set this aside. Do you think I should speak to the claimant and ask them to withdraw if I agree to a payment plan?
  2. Sorry. Notice of issue of warrant I have ordered to make a payment to the court on Monday. There's no option to dispute this. The original default judgement included a instalment option. I have my my mother in laws death certificate of this helps
  3. Hi My mother in law passed away recently during this time I got a claim form for a credit card. I had too much going on and still do and couldnt respond to claim form. Default judgement Claimant then asking for £50 to pay instalments each month on £600 debt by 19th of last month, couldn't pay, didn't even think about this. Court have now ordered I pay full balance by Monday 06/11/2017 or will pass to bailiffs I can't afford this and can't bare the thought of escalating debt collector charges too. I am not sure what to do Can't even bring myself to spea
  4. Hi My mother in law passed away recently during this time I got a claim form for a credit card. I had too much going on and still do and couldnt respond to claim form. Default judgement Claimant then asking for £50 to pay instalments each month on £600 debt by 19th of last month, couldn't pay, didn't even think about this. Court have now ordered I pay full balance by Monday 06/11/2017 or will pass to bailiffs I can't afford this and can't bare the thought of escalating debt collector charges too. I am not sure what to do Can't even bring myself to spea
  5. MRS_P

    Interest rate swap

    Hi We are in the process of accepting the banks offer on a part settlement basis. And will be writing to them asking for compound interest to be paid. I have been reading the Sempra case and I think we may have a case for restitution. We were paying roughly £1100 a month towards this policy since 2009. The contractual rate is 5.2%. At the same time i had a bank overdraft and a credit card from this bank, would I be able to use rates charged to me on those accounts as the bank were unjustly enriched by those rates or would I need to use the contractual rate. Also does t
  6. Hi I want to report a recent success in regards to the mis selling off a interest rate swap. We (me and my sister) took the a mortgage out in 2007 which had a swap attached to it. As of last week the bank have decided to provide redress as the swap should not have been sold to us. We have not accepted the offer as yet as I have a couple of quries. They have agreed to terminate the swap without any fees and will repay all payments which have gone towards the swap and have added 8% simple interest. Would we be able to claim compound interest? Also we have suffered conseq
  7. Hi We were old a interest rate swap in 2007 and still paying this today. Everything was arranged by our business manager who had previously arranged other borrowing (no previous swaps). We are a small restaurant and bought our property which we were previously renting. We have complained to the bank only are now going to review accounts as per FSA announcement but cannot provide timescales. We are looking to start court proceedings we are sure of our case(mainly due to our history with our banking manager) and want to go it alone. I know we have to send in a LBA and then is
  8. Thanks Has anyone on here been affected by this scandal. Regards Mrs_p
  9. Hi I can't seem to find any threads on this. Is anyone in the process of litigation with their bank in regards the above. I am fed up of waiting for the bank to come to a conclusion on our complaint and feel the only way forward now is to start proceedings. Thanks Mrs_p
  10. I've asked to settle. I asked my solicitors how long before I expect payment. I was told we should allow 6 weeks before I get paid. Is this a reasonable time to wait for payment.
  11. Hi Just to update the other side have finally made 2 offers £1350 and then £2000 for personal injury, they have not put an offer in for wages. I asked my solicitors to reject both offers as I feel it is on the low side. They said I was given a 10 month prognosis and according to JSB guidelines the offer they put forward is about right. I know not all cases are the same same but £2000 for 10months prognosis is this about right?
  12. I think this is what has happened but they don't seem to admit it. Ok now that they have re submitted the report along with a part 36 offer what options do I have if the other side do not respond within 21 days? Thanks
  13. Liability is not an issue as 3rd party have paid out for vehicle damage. I understand now that medical report could have been sent via different means so that's fine. I get the feeling my solicitor is not being 100% truthful. Will a Subject access request work if I send this to 3rd party insurers?
  14. Yeah but I have the feeling my solicitors are not being 100% truthfull. Wanted to audit them kinda thing without them knowing. thanks
  15. Hi Thanks for this very informative post ARoyle. My claim must have fallen out of the portal as liability was initially denied by insurer. I was hit by an overseas lorry driver contracting in the UK and his UK agency were having difficulty getting hold of the driver for circumstances. In any case liabilty was subsequently admitted by his insurers. I went for a medical and this was sent to the 3rd party insurers. I am not sure what a part 36 offer is but my solicitors did write after obtaining the medical report to state due to the report we think an offer of £xxx should be put
  16. Hi. I was involved in a car accident several months ago and decided to claim for car damage and personal injury as I had taken time off work. After several months of constantly chasing my solicitors they have now advised that the other insurers have wrote to say they have not received the medical report and they would need to re send the report. The report was initially sent 4 months ago Any solicitors on here? Can you advise what the process is of submitting medical reports, are they done electronically. It's taken 4 months for my solicitors to pick up on this. Any advic
  17. Hi Car You withdrew your claim but you couldn't say why, I thought you were offering to disclose the details via pm. Doh, anyhow. Halifax withdrew my entire overdraft, leaving me with a debit balance of £3K plus, they then sent me a default notice for the whole amount but terminated before the remedy date. The overdraft changed without any sort of notification to me from 1K to 3K some years ago. I thought they had to write to advise of overdraft incraeses. I'll start a thread
  18. Can I please have a pm on the final outcome of this, I have various issues with the halifax and will be using this thread as a guide. Thanks
  19. Halifax have repaid my credit char charged including contractual interest at simple rates but will not repay compounded interest. Is there a template letter/ LBA I could use requesting compounded interest? Thanks Mrs_P
  20. Has anyone recieved or claimed back compounded interest? My thread http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/213228-mrs-p-halifax-visa.html
  21. Gary with your halifax claims did you ever go for compounded interest?
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