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Candice

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Everything posted by Candice

  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  7. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  8. Shameless bump! If anybody can give me some pointers, I have tried to find out but it's not in the guides or I am being very dense at the moment Cheers
  9. They won't pay at the prelim stage anyway, it really won't make much difference. Although it saves me the cost of the stamp, it also means they have to pay for one. Why on earth would the CRM of the whole of RBS not forward on my letter of complaint? Surely that is his/her job? If they've got internal post issues, no skin off my nose. It would be of more benefit to me if they didn't forward my letter on anyway.
  10. Every penny helps I'm gonna give it a shot and see what comes back. It's only my prelim, I'm sure that their internal post can carry it to where it needs to be, but I find it hard to believe that the Customer Relationship Manager for RBS can't deal with my enquiry or forward it to someone who can x
  11. Sadly no freepost address listed there like Barclays has!! I think I may go hunting for one I'd love to add insult to injury heh x Edit: That didn't take long, I found this mentioned several times in various places:
  12. Oops I just realised what it was all about :o Sorry heh x
  13. Following the guide and using the template here, I have noted this text: Why is the 3 highlighted and what does it mean? Am I supposed to change it? There are no notes to accompany it. Cheers for any help
  14. I feel like a right dunce. I've been through the entire process before and won but knew exactly how much I've been charged. Despite the reading, I really just don't get the difference in what you have to say and do when you're not certain of the charges but have an estimate Please could anyone kindly help with pointers to what I must do differently to a regular claim where I know how much I'm claiming for. Thanks again x
  15. Thanks guys, I've been going over that stuff this morning and feel it's my duty to lodge a complaint for non-compliance because the ICO is being stupidly soft with them and these banks need to know they're not above the law. Could anyone kindly give me pointers on submitting a claim for punitive charges when I only have an estimate to go by? This is the bit I'm still finding a little confusing. Loads of thanks!
  16. The account was open in 2001 and closed in 2005. My SAR was done textbook. I've not complained about non-compliance yet, I just want to go ahead and claim now because the 6 year limit is literally just around the corner I can guesstimate my complete charges, so how do I go about sending an LBA with an estimate and then doubtless submitting that claim? Kindest thanks for all your help everybody, rep on the way to you all!
  17. Unfortunately not as the account is quite old and has been closed
  18. HSBC simply refused to send any correct information despite making the full and correct DPA requests as per the guide. This has been going on for a few months now. I have an idea of how much they've taken from me, about £3000, but how do I go about claiming even though I don't know the full amount? Kindest thanks for any help!
  19. Candice, victor! RBS sent me 2 bankers drafts totalling some 28 hundred squid as an out of court settlement with no strict conditions. No admission of liability, they just said it wasn't commercially viable to fight a claim that small. The accounts of the drafts are "Managers Suspense Account" and "Credit Management Services - Sundry Payments Account". I think I have 2 because my 3 accounts were split amongst my branch and the CMS department. Well no court case which I admit I was looking forward to but meh, oh well. One down, another 27 left. *Sigh* Good luck to everyone else! If there's any more info you'd like from me then ask away, anything that might help is readily offered.
  20. Response sent back, full settlement received soon after. Court didn't receive defendant's allocation questionnaire. About to post on my main thread.
  21. Thanks for that folks, I found a few of the "unpaid @ £10" one's, £200 alone in those :-\ Cheers for the tips I'll go through and recheck
  22. I thought impecuniosity was a nice touch myself I bet it will force most of them to stop, open their dictionary and think I too think it's a better idea to let them raise the limitations issue and spring it on them at the eleventh hour if they do try and cause hassle. Give them just enough rope to hang themselves and no more IMHO. Good luck with your reaffluencification
  23. Hi folks, That information is very helpful - thanks I'm sent a CCA to Cabot who responded to me with, under their defition of "statement of account", is just a chronological list of all activity on my account, from the date the debt was purchased to the letters and telephone calls they made right up to my CCA request. They make no note of the initial amount of the debt, how much they paid for it, what it currently stands at or anything other information relating to charges applied on it. I feel that there are lots of things missed off my request. Also it advises me that Cabot are chasing the original creditor (Barclaycard) for the original agreement and this process may take 2 to 8 weeks and they "request my patience". So does this means that, 12 days after my CCA request, and the fact they have yet to provide me with all the information including the original agreement, that they have broken the law? I'm unsure as to what to do now, but am happily your pawn if you want to use me to experiment. I'm up for a fight so if you suggest things for me to try out I'm more than willing. Cheers for any advice and suggestions
  24. Hi folks, That information is very helpful - thanks I'm sent a CCA to Cabot who responded to me with, under their defition of "statement of account", is just a chronological list of all activity on my account, from the date the debt was purchased to the letters and telephone calls they made right up to my CCA request. They make no note of the initial amount of the debt, how much they paid for it, what it currently stands at or anything other information relating to charges applied on it. I feel that there are lots of things missed off my request. Also it advises me that Cabot are chasing the original creditor (Barclaycard) for the original agreement and this process may take 2 to 8 weeks and they "request my patience". So does this means that, 12 days after my CCA request, and the fact they have yet to provide me with all the information including the original agreement, that they have broken the law? I'm unsure as to what to do now, but am happily your pawn if you want to use me to experiment. I'm up for a fight so if you suggest things for me to try out I'm more than willing. Cheers for any advice and suggestions
  25. Not quite matey, I'm a bit further ahead. What'll happen now is that the MCOL will close the claim and it will be transferred to your local court who will send you the allocation questionnaire and additional fee (which I found out gets added to the grand total automagically). Soon you should receive a response from RBS with a copy of their defence and a Civil Procedure Rules Part 18 Request for Further Information. So far these all seem quite standardised so you can find a reply on here (I'll help you if you can't but don't know where it is off the top of my head). Until the claim is allocated to the Small Claims Track (where CPR Part 23 doesn't really allow requests for further information from the defendant), it's technically a normal claim so you should probably reply to it or it might not go well in your favour. Of course you could reply and tell them to stuff it up their jacksy because you anticipate it will be allocated to the STC, so it's your call. You should follow the NatWest threads as RBS and NatWest are the same company and their Group Litigation department deals with both, so most the replies are standardised. Hope that helps, and don't give up yet!! You know you can apply to the court for a fee remission of up to 100% which means they will process your allocation questionnaire for free, but you have to be on benefits or be able to prove that paying part of or the whole fee would put you in financial hardship. Search the HM Courts Service website for form EX160A. Laters
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