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  1. Thank you so much for your reply. I hadn't heard of the ICE - so that is really useful. Many thanks Abbey
  2. This might be stupid question but can an individual file a court claim against the CSA? Put briefly, I received regular payments from my ex until October 2007. Since then the payments have stopped although the CSA have confirmed that they have received payments from my ex in November and December. On numerous occasions they have assured me that they will process the payments but I have received nothing from them. What is making me really cross is that the CSA can offer no explanation as to why they have not sent the money and they have ignored my letters and emails. Several times I have been told that I will receive a telephone call back within 5 days but nobody has called me. Ggrrhh!!!! Any advice would be much appreciated.
  3. Thanks for that - it makes sense but a bit peeved I'll have to put up with an unreliable phone for a couple of months!!
  4. I had an 18 month contract with T-mobile which expired in November 2007. At that point I called them and asked for a ‘loyalty’ discount if I renewed my contract but didn’t upgrade my phone. They agreed to this and confirmed that I would be able to upgrade during my new contract but would lose my loyalty discount. I called them yesterday as my phone keeps freezing and I now want to upgrade but I was told that even the most basic phones would cost me a lot of money and I would also have to pay a £75 premium. I asked what the premium was for and was told, ‘Well, it’s like you pay insurance premiums’ (!!!???) I asked to speak to a Supervisor and was told that I would receive a call-back within 2 hours – this didn’t happen. Has anyone got any advice before I call in again as I would probably have upgraded my phone a year ago if I thought that I might now be in this position – i.e. tied into another 6 months of contract with a dodgy phone. Thank you
  5. Thanks for such a speedy response. I was just worried that I have written to a couple of crdit cards asking for copy of my CCA agreement and I signed the letter with my normal signature. Does this matter?
  6. I've seen on MSE that there are a number of different non-profit debt counselling services available CCCS National Debtline Citizens Advice Bureau Community Legal Advice Does anyone have any experience of these and are they all equally good or are one or two better than the others? Many thanks
  7. Hi I know I am being a bit lazy by not reading through all the threads, but just ina nutshell, why are digital signatures important?
  8. We have been advised by Debtline to open a new bank account as we start to negotiate with creditors. I was told that if you had a credit card with, say Halifax, and offered to pay less than the minimum payment, thehn Halifax could just take the rest of the money out of your current account. I know First Direct is part of HSBC, but how can we find out what banks are associated? Am I right in thinking that Halifax is part of RBS? Is Barclays linked with any other bank? Where could I find out this sort of information? Many thanks Bubble
  9. Many thanks for that. I have completed PE2 and PE3 and I think I can go to the County Court to get it witnessed. Hope this is right! I fel a bit calmer now - so thanks again!
  10. Can anyone advise? I have read through lots of threads but can't find anyone in the same situation. I have received a letter today from Collect Services Ltd stating that a Warrant of Execution has been issued because I owe £348.49 for an unpaid penalty charge - meter in penalty - on 15.12.06. I'm sure that I didn't receive this fine as, whenever I have received a parking ticket in the past, I have paid it immediately so that I only pay the lower rate. I have definitely not received any reminders or letters about this charge from either the local authority or any Court - this is honestly the first letter that has been sent!! However, in Dec 2006 I was due to move and changed my address on everything. The move fell through and I changed my address back to the original address (where I still live) so I suppose it is possible that letters went to astray (although no other letters did). Incidentally, I have received 2 or 3 other PCNs since Dec 2006 and have paid them immediately, online, through the council website - so, although there would have been no need to write to me about these charges, my address could have been easily checked. I have written to Collect Services and my local authority asking them both to send me copies of any correspondence that has been sent regardimg this charge - and I have also asked for a breakdown of how this charge is now nearly £350. What else should I do? Having read this forum do I need to complete a Statutory Declaration? What should I say in it? I have seen others advised to call TEC - do I need to do this? Please help!!!!!
  11. The 30th September was one of the dates to avoid that we had put on the AQ. We're back on 24th September. Good luck and let us know how you get on. Another report would be excellent! Bubble
  12. An excellent post and I can confirm it is totally accurate as I was there until 4.30pm. The judge was very down to earth and also very fair. Roger is right - although it is a formal process, the judge, in this instance, definitely had a sense of humour and, although I was there for 2.5 hours, it was pretty entertaining! I accompanied a friend of my daughter who is young and was incredibly nervous. Although I have helped lots of my kids' friends reclaim charges this was the first court hearing I had attended. When the session started I was frantically trying to suss it all out whilst reassuring my daughter's friend that there was nothing to worry about!! She begged me to speak on her behalf and that was fine (as we were virtually the last case and I had built up a bit of confidence!!) Incidentally, when her case was called the Barclays solicitor (who seemed quite nice, in the end) actually said that the bank simply 'hadn't got round to settling'! We were given a further date and have 'reserved costs' I believe the term is The solicitor told me that if my friend had to attend on the second date she would be able to claim costs for having attended last week. I'm trying to think who you might have been, Roger. I was the woman accompanying the young blond girl who looked like a supermodel!
  13. HELP!! I am bumping this up as we have a Court date - 25th July!! It is for a short allocations hearing but do I need to prepare/bring anything? There must be others that have been in this situation but I can't find them on this forum. Please can anyone offer some advice? A tad terrified now!!! Bubble
  14. Hi I am helping a friend reclaim charges from Abbey and it is proving to be an utter nightmare. Summary: 26.02.07 Initial S.A.R - (Subject Access Request) sent 12 months individual statements and 3 years of microfiche statements received 10.04.07 LBA (Data Protection Act) sent 27.04.07 Complaint sent to Information Commissioners Office 30.04.07 N1 claim filed 10.05.07 Claim ‘deemed served’ 10.05.07 Information Commissioners Office response received - our complaint will be sent in next ‘batch’ of complaints to Abbey at end May 29.05.07 Defence received from Abbey 20.06.07 Allocation questionnaire returned to Court The defence states (in paragraph 4) that Abbey denies it has failed to comply with the SAR as “all relevant data stored on the live system has been provided to the claimant”. The defence goes on to describe pieces of microfiche and storage boxes concluding that the remaining information we have requested is not the type of ‘data’ covered by the Act and the boxes are not a “relevant filing system”. Abbey’s defence look as though it is a standard one as in paragraph 14 it makes reference to the ‘Claimant’s claim for the refund of bank charges’ which we have not been able to even calculate yet! I thought this defence had been thrown out months ago. I have looked long and hard through the threads for anyone in a similar position…but… Is this case likely to go to Court? What should we do in the meantime to prepare? Has anyone else been in this situation recently? Please help!!!
  15. Thanks for your replies. So would my friend have to apply for the judgement to be ‘re-registered’ first and then apply for a warrant of execution? Is the fact that the registration has run out going to cause any problems, or is it fairly straight forward? Many thanks Bubble
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