Hi, I have same similar issue with my ground rent can you please point me to where the above thread is on this web page. thanks

Hi Everyone, Was just wondering if any one has been settled or went right through to court recently. My Court hearing is end of November and am yet to hear from Barclays to make any offers. Please advise........

@ Victimnomore I entered 0 in section D of the allocation Q'

@Karnevil Below is the exact wording in the court correspondence The District Judge has considered the statement of the case and allocation questionnaires filed and allocated the claim to the small claim track. 1. The claim is allocated to the small claim track 2. The parties shall exchange and lodge in the court office the following not later than 4.00pm on the 30th of October 2006. a) The written statements of evidence of all persons giving evidence including the parties whose evidence is relied on in support of or in defence of the claim. b) Copies of any documents which a party proposes to rely on. This must include copies of documents sent to the court but not the other party. 3. The hearing of the claim will take place at 12.00pm on the 9th of November 2006 and should take no longer than 45minutes. The correspondence further says the case is suitable for Mediator. Thanks

Thanks for the swift response guys. @ karnevil Yes the court has actually requested for witness statement if I have a witness along with the list and copies of documents I intend to rely on . I know I have to send all this document to the courts but do I actually send all this document to the Bank as well or I take their copies (Bank) on the court date/day? Please advise I will have a look at the link thanks

Hi, I dont know if any one can help me on this. The court has requested myself and Barclays to submit a written statement of evidence relied on in support of my claim. Copies of documents which party proposes to rely on. I have till 30th of October to get this to the court. Has anyone gone pass this bit please if so what do I need to send. Is there any documentation or bits of quotes I need to send to the courts? Please Help !!!!!

:-? I wonder if any one could answer my question. Just got Notice allocation to a small claims Track(hearing) 1. This Claim is allocated to the small claims track 2. The parties shall exchange and lodge in the court office the following not later than 4.00pm on 31st October. a. written statement of evidence of all persons giving evidence including the parties whose evidence is relied on in support of or in defence of the claim. b. copies of any documents sent to the court but not to the other party. and so on ...am stuck on this, where do I go from here. I understand number one but the number 2 is beyond my scope. Has anyone seen this before please help if you have any idea :-?

Hi Again thread... I havent heard anything from them yet still waiting @ Zootscoot. I will keep you posted. Thanks

Ok. I will send a Utility bill Thanks

Thanks alot guys. @ zootscoot I will wait for your info. I will scout round myself to see if I can get hold of any info too. Thanks:-D

Hi again thread, Just got the same letter x3 from capquest. the letter read:- Dear Mr Olebanks, Further to you recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28days while we obtain the information you require. If you have any proof of payment or correspondence that would assist with your query, please forward these document, with a brief covering letter, to our collection administration dept, so that we can resolve this matter as soon as possible. The letter has already been sent to me last week. For a reason they've decided to send them again. I think I should have got the message from capquest with the first letter. There was also another letter in another envelop requesting for my identity which reads: Dear Olebanks, Thanks for your recent correspondence In order to progress this account, please furnish us with proof of your date of birth. A copy of your driving license,passport or birth certificate for example. Mean while please be advise that we have placed your account on hold for a period of 14 days pending the receipt of this information. We thank you for your kind attention in this matter and await your response. yours sincerely Capquest. Guys what do you think they need this information for? should I send it? Please advise. :confused: Thanks

Thanks I just have to wait at see what happens now.

Thanks mate I will wait for the outcome of the CCA before taking an action against the DMP guys. To be honest I just do not like the way that lady at the DMP addressed me, in a manner that( I got my self into the mess in the first place). My debtness is not from going on exotic holiday or shopping spree. It was really caused by all this charges that kept going on my account. Regarding the agreement I requested for,from Capquest I know a baliff guy that I play football with on sundays and he said he doesnt think capquest can get hold of the copy of agreement I requested for. He further said this kind of agreement doesnt exist and he doesnt know why DCA like capquest buy such a debt where a debtor can turn round and request for such agreement which by law am entitle to and they are not in the position to show it. He thinks capquest will probably sell the debt to someone else. What do you think?

Thanks you so much mate you've definately anwsered my question and yep it does sound familiar about the percentage been shared amongs the creditor. But the point is my DMP guys doesnt need to write to any of the creditor because I wasnt going to reduce any of the creditors payment. Since they wont be paying Capquest any more that mean they can slipt the capquet share on to the other creditor which increases what am paying them anyway that is the other creditors The impression I have is if there payment is reduce then my DMP guys have to re-write to all the creditor to make a new arrangement. Does this make sence?

Hi guys am back again, got a reply from Capquest today and their letter reads:- Dear Mr Olebanks, Further to you recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28days while we obtain the information you require. If you have any proof of payment or correspondence that would assist with your query, please forward these document, with a brief covering letter, to our collection administration dept, so that we can resolve this matter as soon as possible. Are they for real? can you imagine ...I dont quite understand, what correspondence do this goon think I would have when am actually asking that I dont have nothing on the account been with them. Guys what do you make of this letter. Do I need to reply and how?what do I put in my letter? :confused: The most annoying thing is when I call my Debt management guys to cancel capquest off my book with them, you would think the lady I spoke to at my DMP office is out to share what ever money I pay to Capquest. The lady was indirectly telling ,me in a rude and aggresive tone and indirectly that I should not struck them off their book. The goon are meant to be looking after my interest really. What do you think I should do about my DMP? any idea. Please advice. I was going to write to my DMP CEO and make a complaint, what do you think guys. :confused: afterall I intruct them act on my behalf with my creditor, it should nt be a war to ask them to take them off should it? I will wait for a reply on here before I decide. Thanks

ok, have sent a letter out to capquest today enclosing £1 P/O and I await their reply. I will keep this thread posted once I have a reply from Capquest. In the light that I have anymore question I will post it in the thread Thanks Guys

Ok. Sorry to be a pain. At what point can they get this county court Judgement? Would I have the orportunity to go to court and defend myself before they get this judgement against me or they can just do that automatically. :confused: :confused:

I have stop the payment indefinately to Capquest today. But my only concern is can they set bailiffs after me to seize my belongings? Please I need further details regarding this topic.

Thanks for that, is there any other legalities along the line that I need to watch out for. I was going to stop paying them until they supply me with this agreement. Is there a template for this kind of letter in this Forum?

Hi Everyone What are the Legalities of Banks selling debt to third party.... Have been getting bullied by cap quest in relation to my debt that was sold to cap quest by CITICARD. The debt was sold to Cap quest in December 2005 for £6850, and since then the debt is gone up to £8800. Just under £2000 has been added to the account within 7months. I phone Capquest and requested for an ageement at least to know on what term my account is been charged,but I was told is under the same term and condition that I had with Citi Card. I dont know my right regarding this account and they are charging interest to my account every month. Can anyone please advice on the legalities of debts selling and what my rights are. I want to stop payments until Capquest send me an agreement...can I do that or would it come back to hunt me. Please Help!!!

The claim is got nothing to do with my DMP. The refund I got back on the PPI I did on my own initiative. The DMP just update their own record with the letter RBS sent to me informing me about the PPI refund. The DMP wouldnt have known that I got a refund back for the PPI if I didnt inform them. Am not really sure if I can base the refund on my own terms .:?

Hi everyone this my situation is a very awkward, have serched all the forum without any luck with any answer and I had to PM Bankfodder, then decide to start a thread on it. Hi , Sorry If this thread is meant to be somewhere else on the forum.. First of all I will like to thank you for this site and helping people without courage to fight their bank against unfair bank charges. Just wondering if you could advise me on this, I had a current account with Royal bank of Scotland, took out a £19,000 (+ £5000 PPI) loan to consolidate my debt. The loan account is a different reference. Towards the end of 2004 I lost my job and couldn’t keep up with the loan payments. I turned to one of the debt management company who manage to negotiate for me to freeze the interest and reduce monthly payment £86 a month, have never missed any payment since. About 6weeks ago I wrote to Royal Bank (Debt management in Telford since my account is handle by that department now) to have the PPI on my loan taken off, to my surprise I got a call from a guy advising me they’ve agree to take the PPI off with has reduced my Loan by almost 5k. Then I decide to try and see if I could claim bank charges on my current account. Request for my statement calculate all the charge and it came to a total of £1996.52. Wrote to Royal Bank in Telford again and got a letter from them saying my complaint to refund charges has been passed to customer relation as the request for bank charges refunds are dealt with by that department. The customer relation has written to me since then with the usually terms and condition crap that they would not be refunding the charges. They’ve also refuse to refund me with the second request (letter before Court action). My next move now is money claim. But what I would like to know is in the light that I get a refund back are they going to pay me this money or put it towards my outstanding loan? I personally would have thought they should as this charges was taken illegally and it was when my account were still up and running and in good shape. Please kindly advice me on this and if there is any template letter or legal argument I could slam the bank with, in the event that they want to pay the charges into my Loan :?

I had the same with C1 but some one I spoke with in the customer service at C1 said the post that are received usually takes about 10 days to show /scan into the customers folder or what ever they call it. I don’t know the reason why it usually takes this long. You would have thought with all the massive charges they would put a better and reliable internal postal distribution within C1 department in place. I think you should give it another few days if it not up to 10days since you’ve post it. Did you send it by recorded delivery?

The account was not overdrawn it was just frozen because I couldnt keep up with the loan payment and I arranged for reduced payment it was then passed to their debt management department in somewhere in Birmingham or Telford.

Thanks for the swift response I don’t know if I would say it’s in arrears or not but the situation was, I couldn’t meet up with the actually agreed monthly payments. So I wrote them a letter through a third party and got a smaller payment agreement with the bank. The new arrangement is up to date and still on going as we speak.