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kaldeepk

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About kaldeepk

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  1. HI. Just thought I would keep this thread updated. I have not sent my complaint to the legal ombudsman yet as I wanted to ensure I gave the solicitors every opportunity to respond to me. I received an email from the Solicitors, again in a format that I find it hard to read because of my disability. Having had it explained to me , the Solicitors are basically saying that the Insurers have put payment on hold indefinably because of my complaint and so the solicitors are going to keep my £10,000. In a separate email from the solicitors which I missed before Christmas they have written to my In
  2. Thank you all for your response. I have been putting to gather the paperwork for LO with some support. Its been pointed out to me that I should clarify a few points here. 1. the last conversation I had with my legal insurers is that the solicitors were holding up review of the costs because they had not provided further details that had been requested. So my legal insurers were at the time in a similar position to me. The solicitors appear just not to care about their legal obligations, the extreme hardship they are causing and I also wonder how many other clients they may have do
  3. Thank you all for your Information. I understand there are two sides to the story and this only tells mine. The situation has moved on a little. I have contacted the Legal Ombudsman and have a reference number. I was told that 14 Days should be sufficient for the Solicitors to respond to my case. This has lapsed and I have had no response. I am sure the Solicitors know what they are doing and there is a reason for holding my money. The only reason I am aware of is that they are waiting for my Legal Insurers to complete an assessment of their fees to see how much my legal Insurers will pay a
  4. Hi. Can any one offer some comments please. I suffer from a disability and the solicitors in question new about this how ever they still failed to make reasonable adjustments as indicated in my medical reports. In short the solicitors have kept £10,700 from a settlement of around £15,000 and neither the solicitors or my legal insurers will tell me why? I engaged a firm of solicitors last year ( Doyle Clayton) to assist in a dispute for disability discrimination. I had originally instructed a different law firm and the bulk of my case up to completion of the ET1 and disclosure
  5. Avoid getting any credit card from Vanquis. My experience is they are unethical and do not care about UK credit regulations. I have had nothing but un substainated charges applied to the card up to £1000. They claimed mistakes and errors and keep saying they will refund but instead keep adding charges. I had to make one claim when I paid a deposit for flights to Spain but the agency I paid to went bust, ATOL advised me Vanquis should refund the costs. I applied to Vanquis who said they would freeze interest and charges. Instead they charged dou
  6. I have become so disappointed with my conversion with DOC that I have decided to lobby my mp. I hope others with a similar experience Will do the same. Summary of what I have been told I don'r want to investigate MBNA have acted legally DOS do not regulae solicitors even if they have baught debt and are dealing with consumer credit We did not feel your complaint was worth investig MBNA can not be held responsible for it hardship (despite adding 4000 pounds to a debt of 3000 in less then 6 months
  7. Intresting responce. As mentioned in previous posts I will put a structured argument to the courts and ask them to consider the 'letter' of the Law and its centiment. This is a valid legal argument. The Banks would of course like to suggest that it's 'cluthching' at straws but this was also the case when ther first few cases went to court for a wrongfully executed contract. The supply og goods and services has been used by the FSA so how you make a bold statement that it does not apply is simply ammusing. Should the Judge chose not to pay acrefull attention to the detail of the asrgument
  8. Thanks. I suggest may want to read my post again. Yes a Credit card is a credit token but that does not necessarily mean that it is not also a 'good' and in either case the service part remains the same. I would suggest that where the card ceases to be a credit token it should be considered a 'good'. I feel you may be getting confused between the 'Sale of Goods act' and the 'Supply of Goods and Services act". Supply of Goods and Services Act 1982. Sale and Supply of Goods Act 1994. The Sale and Supply of Goods to Consumers Regulations 2002, Unfair Contract Terms Act 1977 and Unfair
  9. To clarify some points The information I post on this blog is not legal advice I am not able to post or reply on a regular basis Some individuals would be better of using the pointers I give to explore further advice on the internet rather then waist their time with stupid responses. The law as it stands relating specifically to credit cards is complex and not fully tested in court. Hence you will find few if any case to rely on. Case law is not the end or final judgment. Success depends on how you put your case.
  10. Hi all, Just a quick note. It appears that most people are focusing mainly on unenforceable credit agreements due to breaches of the consumer credit act. Do not forget that you have other legal rights that protect you from unfair treatment. These include : Breach of the direct and implied terms of a contract Breakdown of trust within the contractual relationship The Supply of Goods and Services Act 1982 The Sale of Goods Act 1979 (as amended) Breach of due process A loan or credit card is a form of goods. Any letter or leaflet referring directly or implied to h
  11. I am being taken to court by MBNA / Reston's solicitors on behalf of MBNA bank for a credit card i took out with Abbey National. I have previous experience of going to court to defend similar action brought against me by the same solicitor at Reston's. I also know that the tactics used by Reston's are unethical and i really do not understand how they have still managed to retain their consumer credit leicence. Any way I have proof that the Banks and Restons have breached the direct and indirect terms of the contract between us and so I should not have to pay back any of the money owed to
  12. I am being taken to court by Reston's solicitors on behalf of MBNA bank for a credit card i took out with Abbey National. I have previous experience of going to court to defend similar action brought against me by the same solicitor at Reston's. I also know that the tactics used by Reston's are unethical and i really do not understand how they have still managed to retain their consumer credit leicence. Any way I have proof that the Banks and Restons have breached the direct and indirect terms of the contract between us and so I should not have to pay back any of the money owed to them.
  13. I have a question. When i took out my credit card with Abbey National it was because they boasted they operated within the Banking Code of Practice and that they would treat my account sympathetically if i was to run into difficulty. I ran into difficulty ( lost my job) and rang Abbey national expecting them to honor their promise. Instead they sold my account to Reston Solicitors and within weeks sent me a court order. They ignored all offers of reduced payment and refused to deal with CAB on my behalf. Yet they still send me letters suggesting they operate within the Banking S
  14. Also known as Financial Ombudsman Service. Why do we pay tax payers money to these people. Here is my thoughts, if you buy goods or services in the UK that are deemed not to be fit for purpose then you can get your money back. So why don't we all bring a class action claim against the FOS because clearly the service they provide is not fit for purpose. My experience is that the FOS are their to help the Banks not the public so may be they should be funded by the banks out of their bonus kitty. My run-ins with FOS are too numerous to mention but here are a few: Reston Solicitors
  15. I hope this post is in the correct forum. I have had no luck even trying to get MBNA to act under the current OFT, FOS or the consumer credit act rules. My account fell into areas when i first lost my job around 2006. With CAB we came to an agreement to pay a minimum amount. I kept up the payments until February 2009 when they offered me a full and final settlement. I paid them £1900 and thought that was the end of it. Then in October 2009 they send me a default notice out of the blue. I went to see CAB who contacted them but they refused CABs offers of payment. On 05 November 2009 I ask
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