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

The company is a Limited Partnership. His previous company was a Limited Company and has loads of unpaid CCJ's registered against it so I know that I have probably lost the money. I went to court in the naive belief that he wouldn't defend it and then it at least gets legally registered as a debt. My only hope is that as this company is only a year old he might want to settle debts to keep it running (it is a phoenix company. He has tried to dissolve the previous company but it has been stopped by a claimant). He is an absolute rogue trader who has upset quite a lot of people and is well known to Trading Standards. I have made an appointment with my local law clinic to try and get some advice. Thanks a lot.

In a nutshell, last July I signed a contract and paid a deposit for £2000 to have solar panels installed. Estimated installation was 29th July. This was stated in the contract and also confirmed in an email that arrived on 30th July. Then silence. Calls were not answered or messages returned. Despite repeated requests for assurance there was nothing forthcoming. When I did manage to speak to the MD he was hostile and behaved like I was a nuisance. So on Sept 3rd I sent a breach of contract (due to the unreasonable length of time) letter requesting refund of deposit in 14 days. Again, nothing. So finally in December I applied to the courts to get my money back. He is defending stating that the contract stated that I had no right to cancel (which it does) Also, he is now counter suing me for the outstanding balance as stated in the contract. Can the law really allow him to take my money without supplying the goods despite breaching the contract by failing to supply? He already has over £100,000 in unpaid CCJ'S against his previous company (I only found this out later) and is well known to Trading Standards. Have I got a leg to stand on? I know I've been an utter numpty so please don't be harsh.

I was clamped in Bluewater a couple of weeks ago and charged £75 release fee. My anger came from having no knowledge that I had parked illegally - I was apparently on a pedestrain walk way but there was only a small white man painted on the floor of the OPPOSITE bay (not where I was parked) which was obscured from view by another car. The walk way itself actually has large, concrete pillars in the middle and is outlined in white just like the other bays. There are no horizontal stripes, although on closer inspection the tarmac is a faded red which I hadn't noticed. However, I have had my appeal rejected and I wondered if I could sue them for the return of my £75 through the small claims court?? Any ideas?????

I was clamped in Bluewater a couple of weeks ago and charged £75 release fee. My anger came from having no knowledge that I had parked illegally - I was apparently on a pedestrain walk way but there was only a small white man painted on the floor of the OPOOSITE bay (not where I was parked) which was obscured from view by another car. The walk way itself actually has large, concrete pillars in the middle and is outlined in white just like the other bays. There are no horizontal stripes, although on closer inspection the tarmac is a faded red which I hadn't noticed. However, I have had my appeal rejected and I wondered if I could sue them for the return of my £75 through the small claims court?? Any ideas?????

I sued Abbey at the beginning of the year for £1500 through the small claims court - they defended, offered me half and then paid it ALL last week!! So go ahead and sue.....none of these banks want to lose in court (notably - if it has got to court they have conveniently not shown or made a deliberate error so as to claim that they lost by default - that way they keep the floodgates shut) because you WILL get your money back!!

I'm probably being really thick but I can't seem to get the Excel sheet to calculate the right interest. I have downloaded into onto an apple mac - is there any reason why this should make a difference? I'm entering the charge but it's only calculating the interest on the previous days set (i.e. since 2004 when I am entering charges from 2001). Help - need to get the interest right before I can proceed with my claim!

Which user - I'd love to hear the story???

I've had the standard 'bog off' letter - basically blaming me for not being rich enough!! They claim to have refunded charges in the past - WILL THAT AFFECT MY CLAIM AT ALL??? I shall be going ahead with the claim via small claims court this afternoon - quite excited actually!! Is there anything else I should be aware of??

How strange - I had near exact same letter - are they using a template do you think?????

I have received a letter from Abbey this morning saying the standard 'very sorry you are unhappy' blah blah. They have said that they will investigate the matter but to ensure a thorough investigation it will take up to four weeks. Is this ok - I demanded they pay it back in 14 days, should I do anything or just let them have their four weeks???

Does a CCJ last for the rest of your life and does it belong to one specific name or a house i.e. will it be against my maiden name or the property I live in (used to be called black listed??). Beginning to get a bit of cold feet about it now that my anger has subsided. I can see me losing AND ending up with 0 credit rating!!

I sent my letter demanding that they repay my charges to the Abbey address on my statement - should I have sent it somewhere else then?

Do you mean if they do that I should pay the £65 charges? They would have to give me warning of closing an OD wouldn't they?? :? :?

Obviously the subject title is sarcasm!! I have had enough of Abbey National and I posted my letter (taken from the Library) yesterday to great relief!! I have requested the full refund of £1400.00 and now wait with bated breath!! I realise that the loyal workers at Abbey are only doing there job but they must need a good large mug of Horlicks to be able to sleep at night!! I was charged £50 (£30 to allow a DD through and £20 because of going overdrawn) because a Direct Debit for £30 took me £3 overdrawn. When I asked for a refund they maintained their dignified outlook astride their high horse and refused!! I then got to looking at all the charges that I have paid over the last 5 years and was shocked at how many times I paid out in the region of £40 - £50 for a mistake of £2 or £3!! There was also a clear snowball effect happening as they withdrew their charges and bounced yet another Direct Debit!! It was disghusting and I decided to take the plunge and take action. Now I realise to go to the Small Claims Court will cost me but is there any chance I would have to pay anything to Abbey if I lose?? And does anyone know approx how much it 's going to cost to reclaim £1400?? They are insisting that they will withdraw the charges of £65 on 24th March so I said I would close the account. They said they wouldn't allow me to close it so I have moved every single transaction in and out (DD, SO etc) to another account elsewhere and left it with 63p in credit. I have a £100 overdraft which they can then use to take their charges and then I shall let them sue me for THEIR money!! Luckily, it is in my maiden name so although I know I will proabably get a CC against my name it shouldn't effect me too much. And obviously if I manage to win my case they will have to pay it back themselves!! So any advice anyone?? :? :? :? :?

Blimey - you can't leave it there - you haven't posted since Feb and I need to know if you got your money back. I posted my letter to abbey yesterday and need to know what I have in store?? What happened??