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Everything posted by alexliverpool

  1. Hi i have car finance with British Credit Trust, i have paid ove 1/3 of the finance but now they have passed it onto bayliffs who want to repossess the car, i have offered to pay the full amount off over three months but they want the full amount or the car. I know that i can pay this off in the next three months if they just accept this but they say no and will call at my address unanounced. Any help please. If they get a court order who i receive a copy first or be able to attend the hearing if their is any??? help please
  2. I need some advice please. I recently saw that natwest issued a default against me even though i paid my account in full. They have said that i have defaulated. I sent them a request for my original agreement and received a reply stating that as my account is closed they do not have to supply this now. Can anyone please advise me if this is true. The account could only have been closed in December 2007 which seems quite convenient.
  3. could anyone please help me. I recently noticed that a CCJ issued against me in 2003 has my name spelt wrong and also my post code. The CCJ shows on my credit file with experian with my name spelt wrong on it too. The CCJ does not show at all on equifax. Im i able to have this removed off my file or will they just amend the original.
  4. dantracey, did you take you cheque into the bank and cash it or did you have to put it into a nominated account that they have said in the settlement?
  5. I have not had the best credit rating but i recently applied for a current account with citibank and was accepted it comes with a £500 interest free overdraft and a visa debit card not onle of thoes silly solo cards or electron cards. The whole process of applying was very simple and easy and did it through their internet site. Would certaily recommend people give it a try. If you ave very bad credut rating then opt not to have the overdraft. Good look people hope this helps some of you
  6. congratulations, did they send you a cheque or put it in your account?
  7. Does anyone know that if you change the amount your claiming on your moneyclaim form do the bank get more time, does the 28 day deadline start again. I have issued my claim with the description Halifax Bank, and the defendant as Halifax Card Services. I have mixed my current account figures up with my credit card figures. Can i tell them that this claim is for the current account instead of my credit card?
  8. Why dont you give them a call and tell them that your about to file a claim for the full amount unless they pay the rest. They will probably say yes and pay. Its worth a try then you can decide then whats best for you.
  9. I got a letter a few weeks ago saying thats about a claim i had put in which was rejected will be paid as i knew nothing about the terms and conditions ect ect. I got another letter today saying that i can cancel and receive a refund. I am tempted to do this but would they take the money back which they have now paid for my old claim?
  10. I think that it would be well wort one of the MODS setting something up where we can donate a small amount of money each and employ a solicitor to act for one of the claims. I think it should be for someone who has a very good case and egg have nothing on them either. What does eveyone think?
  11. It does not seem that the natwest are paying out very quickly now. Has anyone had any recent success with their claims or are they making you wait the full 28 days then entering a defence?
  12. Ok just phoned the number that was on the court papers, its halifax legal department. The lady i spoke to said that they are aware of my claim and someone was dealing with it. She also said that they would be responding to me in a few days. (sounds worrying).
  13. I filled my cliam online at the end of August. I received a letter from the court saying it has been served to halifax on the 4th. I received acknowledge from halifax on the 7th saying they intend to defend. Since then i have heard nothing, it seems that they are paying out a lot quickly to others. I dont have an account with them anymore. Is it possible that they have just forgotten about it or are they making me wait?? Any advice would be great.
  14. congratulations!!! can you tell me, when did you issue your claim and when was it acknowledged.
  15. congratulation judy im at the same timescale as you with credit card charges from the halifax, im hoping for a responce this week. have fun spending
  16. Hi all just received an improved off from halifax for £532.00 increased for £180. I am claiming a total of £723. In their letter they improved their off to £532 and include an acceptance form but by looking at the acceptance form i have noticed a few mistakes (tho i suspect on purpose). Fist of all they have only put £432 instead of £532 on the form i am signing and secondly the have put in the acceptance form that ' i accept the offer of £432.00 from halifax in full and final settlement of my complaint regarding bank charges made on my halifax accounts. Notice they have put accountS and not account. As i have just filled a moneyclaim against them for my credit card charges i fear that they are trying to get me to agree to this and this would also act as a settlement for my credit card charges. Very underhanded tactics i think. Has anyone else had this type of letter?
  17. I think that you should open another account. If you know that you have not got enough money in your account for the DD or SO then you should cancel them. This will stop any futher charges. You should also start a new case for the charges that you have had since you last won.
  18. Did you send halifax a copy of your spreadsheet? If you did i would ask them to send you a copy of the charges that they have worked out and look to see how they differ from yours. Stress to them that you will not be withdrawing your claim till you have received the full amount or have received proof that the revised amount is correct. Hope this helps you out, good luck
  19. got this off experian FAQ's about defaults and how long they stay on your file for. Accounts that are still being used will continue to be held until the account is closed and then for six years after settlement. Defaulted accounts are kept for six years from the date of the default, although the current balance should show if payments have been made since the default or if the account has now been fully paid. i think then that the default should be removed after six years then, anyone lese have any thoughts or know if this is true?
  20. I am claimimg with RBS and still waiting. Sent my SAR leter in june. had numerous letters and emails and my £10 cheque refunded but still no statements. Sent a complaint off to the financial ombudsman now. Hope you have better look.
  21. alexliverpool

    Moose v Egg

    Just a quick thought, if this capquest take you to court you can make them supply details of how they came to charge you so much. The judge would ask them to prove the brekdown and how they can be justified. You can also tell them that you will be counter-claiming against the amount too. Just another angle that you might wish to try? I am thinking of doing this with HSBC.
  22. Received an offer today of £822 they owe me £4022.52. will be sending letter accepting as partial settlement. The deadline for the LBA is up tommorrow do i need to wait untill they have received my reply or can i start my claim straight away?
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