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Everything posted by julesverne

  1. have tried and they wont because they are no longer legal tender in tender in india.
  2. yes it was literally an overnight change. i dont have an issue as such with the idea on their part. but i assumed i would be covered by the sale of goods act to get a refund as they are literally not fit for purpose anymore. but Travelfx have said no refund and not covered by the sale of goods act Is this True.
  3. Hi apologies if this is the wrong part of forum im posting in. i bought 45000 indian rupees in 500 and 1000 rupee denominations on ) Oct 13th last month. for my holiday in feb 2017 From TravelFX by Bank transfer (wish i'd paid by credit card now but they only accepted Bank transfers) then beginning of this month indian prime minister declares all 500 and 1000 in effect null and void. its nearly £550.00 worth and TravelFX wont buy them back. even though though they have a buy back policy. and now wont communicate with me any further even though i have been polite at all stages in communications with them. i stated to them that i should get a refund as a consumer under the sale of goods act, but they replied bureau de change transactions are not covered by the act. is this true im shocked if it is. ive explored all avenues in the uk with indian banks etc but nobody will take them so i believe my hope is to get the currency exchange to take them back and refund me. surely my purchase must be covered under some sort of consumer law. Any Help would be much appreciated and as with all help i've received in the past i will be making a donation to the forum
  4. i believe so they sent a form for me to make an offer. i offered the lowest i thought i could get away with on reflection i should have offered 30. court approved it.
  5. begrudgingly settled for £40.00 per month (couldnt afford to let it go to courtand judgement go against me) however my egg card claim was discontinued as they couldnt produce the signed agreement and in 2 months (fingers crossed) another will be staute barred. so not all bad
  6. i get a letter every couple of months saying i can settle the debt for a third of what was originally owed if i settle within the 7 days. i just put the letter in the drawer with all the others. once it is Statute barred would i still be able to make a PPI. i know from threads that it cant go to the DCA but i would rather be sure before making a claim.
  7. HI CB, according to my credit report on Noddle it says the default was issued on 31/08/2009 does this make a difference to the staute barred date.
  8. Hi Guys, I had a credit card debt with MBNA that was sold to Aktiv Kapital. the last payment was made in Feb2009 so by my reckoning this is now possibly statute barred. I have looked through many threads on here for a definitive answer to what date a statute barred debt is calculated from but couldnt find one. but found some conflicting answers on other web sites. for example the link below say from last payment. http://moneyaware.co.uk/2013/10/statute-barred-debt/ but this web site link below says that depends on what your agreement says. https://www.nationaldebtline.org/EW/factsheets/Pages/25%20EW%20Time%20limits%20for%20recovering%20debts/Page-02.aspx Please can somebody tell me who is correct.
  9. As a heating engineer and from details you have posted I concur. Get on the phone to them everyday everyhour if need be try and hurry them up. Take photo's and keep all details of any communication.
  10. when i log into my case screen on money claim online. it shows my activity but will it show the plaintiffs. for example if they decide to proceed with the claim. or will i find out in due course. thanks in advance.
  11. Thank you Andy, so in your opinion would you think it better to try and settle. which is fair enough. would there be any harm in sending them a letter asking them to comply with cpr 31.14 request before agreeing to mediation/consent order just to give me a bit of time to sort things
  12. hi Guys, Im a bit stuck as to what my next move should be. is it possible to re submit a new defence. or should i send a another letter to bryan carter stating i still havent received a CCA and that the request was sent over a month ago. along with the CPR request. i would really appreciate your views on this and the pdf's posted as to what my next move should be.
  13. I have been sleeping on this overnight personally think I have a chance of fighting this. from your views on the forums do you feel the same. it seems to me from the letters b carter have sent that they are just using bully boy tactics. they have not even bothered repsponding to any of the letters i have sent requesting cca agreements ect. what would a judges view be of this that they not responded to any of my requests? if somebody has a spare could they have a look at the letters sent so far in pdf format and give a little of advice on how i should proceed. thanks in advance.
  14. yes i own my home on a mortgage. also I have been looking at the agreement. it states and whilst some parts are clearly illegible the APR is stated at 12.8% yet according to the SAR the interest initially is charged 10.95% (0.870%)and also there is no credit limit stated on the form. surely these prescribed terms should be correct and the agreement. is there anything else i should look for in the sar request and on the agreement. Also i have still not received a thing from bryan carter regarding the CCA agreement or acknowledgement. should i contact the co op or pester bryan carter for the terms and conditions or both.
  15. to my knowledge no default charges have been applied to the account. the consent is for debt, court & solicitors fees and the 8% interest they are trying to claim back. the SAR Request from the CO OP is just reams of account payment information and a list of charges for late payment non payment prior to me getting into difficulty. there are no terms and conditions, no letters stating they cancelled the contract or default notices etc are they obliged to keep these on file. Why is it interesting that they are offering a consent order?
  16. just converted them here we are. found this great online converter should anybody need it. http://www.convert-jpg-to-pdf.net/
  17. here are the other letters that were sent by bryan cater
  18. Hi Guys , thankyou for your help i really haven't helped myself having to work and my lack of legal knowledge. i have been away i have received SAR request from the CO OP, letter from county court acknowledging my defence and that bryan cart has been notified 2 letters back from bryan carter . 1st letter stating client intends to go ahead with action but is open to mediation. the second letter looking to settle out of courts by instalments but threatening to apply for my defence to be struck at hearing if i go ahead. i will first post up the cca but it looks more like a application form to me. also no terms and conditions came with it. i will post up the cca/application. t hen when i have a minute i will post up bryan carters letters. i have taken out my details . i would be grateful. if you could cast your eyes on this and give judgement. im just setting my scanner up again to scan other letters in for your to look at.
  19. this will def be my last post for a while If worst comes to it and i get a judgement against me can i still make on offer on my debt to lowells to pay in installments. Im pretty much scuppered otherwise. But i will try and find a tinterweb connection
  20. I dont think so its in the middle of nowhere. But i will see when i get there.
  21. Looks liked im screwed then just about to board plane as im working abroad for 2 weeks as its a job offer i couldnt refuse hence why i needed to get defence in last night. What will be will. Are there options available once i get back. i dont get back till 24th march.
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