Staring to get text messages and calls requesting that i call them.

What shall i do?

Many thanks, will update as soon as i get a reply.

The letter from the liquidators says

The liquidator is to accept payment of £5200 in full and final settlement of all liabilities owed by Mr **** ******* and Mr **** ******** to Decorative Marks Limited. Should payment of this sum be made no further action will be taken by the liquidator, or any successor in office against Mr **** ****** or Mr **** **** in regard to these debts, now or at any future date.

I can confirm that the creditors gave sanction to me, as liquidator, to effect the above.

What does this mean? The debt is obviously bad as 5 DCA have taken it, and 4 have returned it.

thanks for the replies already

I have just received 2 letters one from HSBC informing me that they have sold a debt which they say i still owe.

This is the 5th different company that i have received letters from concerning this.

The other letter is from MKDP introducing themselves.

The debt is for £1790.00 and is from a failed business that my self and business partner were involved in.

The debt was supposed to have been settled in a deal we made with the liquidator, which i have a letter stating that we are exempt from anyone chasing any monies from this debt after we made a full and final settlement agreement.

Should i just sent these people a copy of the letter?

Regards

Mark L

Thanks again. will wait until they clear and then maybe just take letter to court by hand on monday

Then gonna have to get money out and transfer to another bank. Bye Bye Abbey.

Hmmm i wonder what Bank of Scotland are like

Ok they have paid a cheque into my account, i think it will clear on Friday.

Do i send a letter to court to cancel now or hand one in on Monday which is the day of the hearing ?

Thanks

Ok my court date is for Monday 19 th and i have recieved a letter today saying they will settle full amount !!!!!!

Wahooooo !!!!

Thank you all so much i will donate some to keep your good work going...

They want me to send a sluip of acceptance and cancel court but i will wait until i recieve the money first

Thank you all again )

Anyone ?

good luck

OK thanks Lula

Ok Thanks Hagenuk

For the 15 min hearing do i have to take anything with me?

Hello again,

Just been scanning threads for help and found something i have not done

I have not asked for full disclosure

Is it too late? and if not what should i send with the letter?

Worried now :o

Hi all,

Got a court date today, 19 Feb 2007, Says prelim hearing of 15 mins.

Any Advice would be a great help.

Thanks

Thanks ,

Heres goes final leg, hopefully

Hi all,

Just recieved an Allocation Questionaire.

Just need a coupleof pointers

It asks about experts ? Have i recieved an expert report. I guess i just put no in all and enclose the £100 fee ?

Sorry for being dumb

Thx in advance

Thx Hagenuk, your a star . Yeah have been reading through others but still a little worried

Just Recieved the Defence, it is claiming that the fees are lawful as we went over drawn. Getting serious now , amim getting worried for nothing or is this normal?

Ok court is in Action

Just got letter saying The Defendant filled an Acknowledgement of Service on 09 November 2006.

They indicated that they intend to defend all of the claim.

Is this normal?

Anyone ?

Please, im stuck....

Please, please, pretty please

Thanks Hagenuk ..........

So i just fill out the N1 and hand it into courts ?

Or is there some process i have to go through before i hand in the N1 ?

Regards

Hi all,

I need help in how do i let the court know abouot the Offer of Good Faith that they paid into my account. Dio i mention it in the N1 claim , if so how do i word it. If not do i just decuct it from the details of charges spread sheet?

Please help as i want to place the claim to the court now.

Regards

Ok im ready to send my N1 but how do i put in there about the payment in good faith that they issued me.

Do i just take it away from the total on the summery of charges or just mention it in the claim

Regards )

Ok thx will do

I have just recieved this letter now . Is this a new approach? Have they found a way round paying up full amount?

Any ideas or anyone else recieved this one?

Thank you for your letter dated 10 September, about the bank charges you have incurred in the past six years. I am sorry you feel these are unlawful.

Having carried out a full investigation, i can assure you the charges are not unlawful and do not contravene the Unfair Terms in Consumer Contracts Regulations.

Therefore, I cannot agree to refund all of them. However, as a gesture of goodwill, I am happy to cancel charges totalling £1,058.00.

The regulations say that we must explain our charges in plain language and that we have to act in good faith, which, according to the Office of Fair Trading, means dealing fairly and openly with customers.

I therefore reviewed the literature and information you recieved when you opened your account, including the terms and conditions. This explains that charges will be applied if you do not keep to the terms of the account. Because of this, i believe we have been fair and open in telling you about them. The charges were correct, because you did not have enough money in your account to cover the payments requested from it. When i looked at the history for your account i found that, unfortunately, this was not the first time this has happened.

I am confident that i have been fair and have taken into account all the points you made in your letter, but if you have any additional points that you would like to discuss with me, please call me on 0845 600 6045. I have enclosed a leaflet about the Financial Ombudsman Service, in case you are not happy with my investigation or decision. If so, you should contact them within six months of the date of this letter, enclosing a copy of it, as they would need this for their investigation.

I hope we can work together to help you avoid charges in future. Little things can help, like checking you account balance as often as possible and looking at the dates of direct debits to make sure they are taken shortly after money is paid in. In addition, we might be able to help by providing an increased overdraft facility to give you more flexibility. This could help to keep your costs down, as there are no charges unless you exceed your overdraft limit. So, if you would like to talk to someone about the options available, please call our Telephone Banking Centre on 08459 724 724. Alternatively, if you think you might need longer-term help to manage your bank account, please call 0845 603 9035 and we'll be happy to help.

Yours sincerely

Scott Sullivan

Senior Customer Resolution manager

Enc. Financial Ombudsman Service Booklet

any ideas on my next move

Thx all in advance