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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

cdmonkey

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Everything posted by cdmonkey

  1. cdmonkey
    Just a quick update on this , I finally went to the Financial Ombudsman and they made a ruling as below: Lloyds have agreed to the following after the ombudsman said they had not acted correctly but he could not over turn the default as such putting things right As it stands, Lloyds have offered to do the following to put things right: - Record the default from February 2010 rather than August 2010. That will mean the default is off your credit file after February 2010. - Refund the £17 account fee between November 2009 and August 2010 (when the fees were stopped). That will come to £170, plus 8% statutory interest. - Offer an extra £150 for the inconvenience caused. It pays to be persistent, and shows the Banks are being held to account just a little
  2. cdmonkey
    Hi Yes this letter is in reply to my formal complaint to head office. I plan to reply saying "thank you for admitting you have not issued a Default notice and as such i require it be removed from all CRA's immediately" Is that the right approach ?
  3. cdmonkey
    I have been trying without success to challenge a Lloyd's bank default from 2010. After 2 years of letters Lloyds have finally replied and told me they didn't actually send me a default notice but its all ok as they sent a solicitors letter instead . This seems off to me and i smell a large rat They also sent me a cheque for £50 as a gesture of goodwill !! Any advice on the next steps ? The debt is fully repaid and just trying to clear my CRA file thanks
  4. cdmonkey
    Yes indeed and its ready to send them a copy back, I wasn't sure if to include Bryan Carter or just go straight to Lowell ?
  5. cdmonkey
    Thanks , that was my immediate reaction too
  6. cdmonkey
    Hi I did not defend this claim as i was working away at the time,, so had no chance to take time out to attend court plus they has a signed agreement which had all the prescribed terms in it so I could see no realistic defense. I also did not want the risk of a CCJ when i had just got my credit file relatively clean Thanks
  7. cdmonkey
    Hi quick bit of advice needed please. I agreed a full and final settlement with Bryan Carter solicitors acting for Lowell in Jan this year and paid the agreed amount set out in a Tomlin order. Today i have received a further demand for payment from Lowell on the same account for the difference between the amount claimed and the amount paid under the order. My understanding is the full and final settlement was just that and agreed by both parties in the signed Tomlin order. Is this Lowell trying it on ? Thanks for any advice
  8. cdmonkey
    Hi No original creditor info on the app form no. My concern was they sent a form with my bank account number, sort code , mothers maiden name and previous addresses plus full employer details thanks
  9. cdmonkey
    Marlin finaicial sent the standard we think we know you are someone we want to extract money from letter in July and i duly sent them a prove it or go away letter. This week they have sent me a copy of my online application as requested this is a plain print of lots of my info including bank and employer details but no company specific info to tell me who if anyone the debt is origanted from or owed to now . Info added but redacted I am concerned that they sent this amount of personal info in response to my origianl letter and feels like a mis sue of personal data to me Anyone feel the same ? Plus whay shall i do as a next step ? thanks
  10. cdmonkey
    Ok thanks for clarifying
  11. cdmonkey
    Sorry for being bit slow so does this mean they are allowed to charge interest on a charging order or not ? thanks
  12. cdmonkey
    Think i may have found the judgement I have redacted and attached Thanks
  13. cdmonkey
    Hi tried this already The original County court has closed and all cases transferred to a new one. They have said all records are destroyed after 3 years if no activity so they cannot give me a copy
  14. cdmonkey
    The CCJ was for £12k Payments have been made but stopped when i discovered the interest added was outstripping payments, and i tried to resolve why. no i dont have the a copy of the CCJ
  15. cdmonkey
    This is the interim charging order but i think terms are same for final charging order, The worrying bit is "with any further interest becoming due and the costs of the application" I have attached the redacted CO Thanks
  16. cdmonkey
    Looks like i have missing paperwork here I have the application for charging order on land or property and the Interim charging order but that all
  17. cdmonkey
    Yes i will dig it out tonight, just be clear we are talking about the CCJ not the charging order ? Thanks
  18. cdmonkey
    This has been covered on another of my posts but the post got moved and not had many replies. Recently had a response from Mortimer Clark saying yes we are allowed to add interest to the charging order they obtained via a ccj on a credit card debt to Marbles that was HFC Attached is the letter which contains plenty of quoted cases but i have no idea if relevant and was pretty certain ths adding of interest was not allowed in this instance Thanks
  19. cdmonkey
    I have received the attached letter in response to my challenge to them of adding interest to a charging order which falls under CCA 1974. It seems to be a few quotes of case law saying they are allowed to do this. anyone care to enlighten me ? i feel they are probably fobbing me off with lots of legal looking quotes but i am not sure. Thanks
  20. cdmonkey
    I don't think i made myself too clear in an earlier post. My SAR was returned by HFC stating " we have assumed your request for information to be in relation to PPI" I have scanned the letter and it is attached, is this a refusal or a delaying tactic ?
  21. cdmonkey
    Right file attached this time
  22. cdmonkey
    It just gets better also had the attached letter from MC today even though i wrote to them in Feb and told them they are not allowed to charge interest on a charging order resulting from a CCJ of a debt which came in CCA 1974 (no reply of course) Looks like a standard mailshot to me ?
  23. cdmonkey
    After 2 months i got REPLY ! stating there is no PPI on this account and since that is why we think you have submitted the SAR we are returning your £10, i am quite frankly astonished
  24. cdmonkey
    Or perhaps a nice delay and then "oh dear your information is too old and we have shredded it"
  25. cdmonkey
    Yes but still not signed for and its been a few days

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