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

andyg1

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  1. andyg1
    An update on the thread above . Today i have a letter from Litigators attached to Barclays they demand repayment of some normal mortage arrears which i can pay by the months end and in addition they demand repayment of the mortgage account reserve which is around £40k which i can not repay without time , i can sell an assett , a second property but this will take time in this climate . Barclays did not respond to my SAR of May17th in relation to the above 2 accounts . I have sent a copy of the SAR via e-mail to the Litigators . Any advice on how to buy time from them , there is 3 years 7 months remaining on my mortgage and i had planned to repay the mortgage account reserve at this time . Many Thanks Andy
  2. andyg1
    The proprietor of the Charge dated xxxxxxxxx 2006 referred to above is under an obligation to make further advances. These advances will have priority to the extent afforded by section 49(3) Land Registration Act 2002. I just found this posted a year after the original charge
  3. andyg1
    My Mortgage is also with them so they have 1st charge on the property as expected and i would imagine this extends to the mortgage reserve / over draft . My issue is a 4 day notice to repay in full when i had it expected it to fall due at the end of the mortgage term . What enforcement actions are they likely to take given i am not in a prosition to settle this now ? Thank You
  4. andyg1 started following Barclays / Woolwich Mortgage Current Account Reserve
  5. andyg1
    Hi , I have a Mortgage Current Account Reserve originally with Woolwich which was taken over by Barclays going back to 2005 /6 . I have 3 years and 7 months remaining on my Mortgage and was aware that the reserve would also need to be repaid in full at that stage . To my suprise i received a letter yesterday the 16th May , dated May 10th demanding the entire sum to be repaid by 20th May and the account to be closed. Am i able to challenge this decison and what is the procedure moving forward if i can not repay it . I believe this is charged against my property for security . Over the years they have gradually reduced my reserve amount and i have seen others on this forum compromised by Barclays action but not yet seen someone asked for the full amount , with such little notice . I have tried to reach Barclays on the number provided but they are unable to find the team that would deal with it and the letter is not recognised on their sytems . For what it is worth i have issued a SAR and CCA Request to try and slow the process in the absence of being able to speak to someone from Barclays . Any guidance moving forwards would be hugely appreciated . Many Thanks
  6. andyg1
    Many Thanks I wasn't sure if it was a ploy . Andy
  7. andyg1
    Hello kearns acknowledge my CPR 31-14 request and they say ( letter to follow ) that they need 28 days to acquire the documents they rely on . In the meantime they promise in writing that they will not attempt a judgement by default and will allow 14 days after comply with the CPR Request for a defence to be issued. Are they to be trusted or should I draft a defence in the absence of these documents ? Finally is now a good time or is it detrimental to make a low offer for full and final settlement on a without prejudice basis . Thanks Andy
  8. andyg1
    I think I have managed to do it in Adobe . you can see for starters the date signed differs from the Particulars of claim . Fortunately we have the original statements for both accounts , I can categorically show it belongs to a different card. Thanks Andy old CCa return.pdf
  9. andyg1
    I got the impression that they have not used decimal points in the Particulars and its £1.62 a day on that basis. The claim amount and interest amount to £100 more than the AMOUNT CLAIMED in the totals box of £ 9751.72 .
  10. andyg1
    All of above steps actioned thanks for your help . Many thanks Andy
  11. andyg1
    Name of the Claimant ? IDR FINANCE UK LTD represented by KEARNS SOLICITORS Date of issue – 27-03-2107 Date of ack [AOS] 14-04-2017 Date for filing defence = 28-04-2017 What is the claim for – 1.The claimant claims the whole of the outstanding balance due payable under an agreement xxxxxxxxx and opened and effective from 10/11/2000. 2.The agreement is regulated by the Consumer Credit Act 1974 , was signed by the defendant and from which credit was extended to the defendant . 3.The defendant failed to make payment as required and by 29/11/2015 a default was recorded. As at 21/11/2011 the defendant owed Barclaycard PLC the sum of 766577. 4.By an agreement in writing the benefit of the debt has been legally assigned to the claimant effective 21/11/2011 and made regular upon the claimant serving a Notice of Assignment upon the defendant shortly thereafter . 5. And the claimant claims 1. 774477 2. Interest pursuant to Section 69 County Court Act ( 1984) at a rate of 8% per annum from 06/08/2013 to 24/03/2017 of 210695 and thereafter at a daily rate of 162 to the date of judgement or sooner DATE 24/03./2017 .What is the value of the claim? £10261.72 Is the claim for a CREDIT CARD When did you enter into the original agreement before or after 2007? BEFORE 2000 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. ASSIGEND TO IDR FROM BARCLAYCARD Were you aware the account had been assigned – did you receive a Notice of Assignment? YES Did you receive a Default Notice from the original creditor? YES FROM MERCERS IN 2011 SEE PDF UPLOAD PREVIOUS post Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? BECAUSE THE CCA I REQUESTED FROM THE CREDITOR DID NOT TIE UP WITH THE CARD IN DEFAULT ( WRONG CCA PROVIDED BY CREDITOR ) What was the date of your last payment? 26-07-2013 Was there a dispute with the original creditor that remains unresolved? NO Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES AGREED £1PCM WITH NO INTEREST WHICH THEY ADHERED TO THE SUMMONS NOW CLAIMS INTEREST FOR THE ENTIRE PERIOD
  12. andyg1
    Here is the summons and the original default notice Scan0089.pdf Scan0090.pdf
  13. andyg1
    Hello I have done nothing since their warning . Today we have received a Summons for £10261.72 the outstanding debt on the NBA letter was £7644.77 The Particulars of claim state the date of opening as 10-11-2000 and that the agreement was signed by the defendant . They also say that a default was recorded as of 29/11/2015 When I wrote and asked for a copy of the CCA they replied with one signed 04-09-2000 . Also within the SAR was a letter from Mercers dated 7th June 2011 Default Notice served under Section 87 of the CCA 1974 I have around 12 days to respond What is my best course of action please as I have yet to see sight of the CCA signed on 10-11-2000 and believed that when they sent me the one dated 04-09-2000 which does not correspond to the account I am summonsed for . Many Thanks Andy
  14. andyg1
    Yes as if it is a default for the first time . Entered 2015 expired 2021. I have never seen the mercers default appear on any credit file . Andy
  15. andyg1
    What was the relevance of the default date from Mercers ? Was it that had it been January 11 it would not appear on a credit file or something else ? Thanks Andy
  16. andyg1
    June 2011 from Mercers who acted on behalf of Barclaycard sent the default letter and it's included in the SAR Andy .

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