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sammy115

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About sammy115

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  1. This topic was closed on 09 March 2019. 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
  2. This topic was closed on 2019-03-08. 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
  3. Have you had any response from Rooftop yet Andrew I am wondering whether to pursue Rooftop myself.
  4. I successfully claimed over £4,000 of bank charges with Abbey which left a balance of £1,584 outstanding. The claim was settled in December. Abbey registered a default (in March) but on my credit file it states that I defaulted in November with a balance of £1,584. I have requested a copy of original CCA and statement and original default notice. I received quite quickly a letter stating the following. 'although authorised overdrafts are regulated by the Consumer Credit Act 1979 Abbey does not need a signed agreement from you in order to give you an overdraft facility. I am
  5. Quick update - two defaults have been removed by shop direct financial.. I managed to get through to the director of Littlewoods last Friday and after four hours of calls managed to get the defaults removed. I am waiting for La Redoute to reply to my request for a copy of my CCA agreement and the default notice and I am still waiting........ they have cashed my cheque and the 17th June is the 12 + 2 + 30 days, so letter no 2 will be next. I have been in touch with Wescott (barclayloan debt collectors) to see if I could make an offer of payment, but the debt has been passed back to B
  6. Hi James Just wondered if you had got anywhere with Wescot as I am thinking of writing to them with regard to my Barclayloan debt.
  7. I have four defaults on my credit files. Two of them are for Shop Direct (additions), although I only had one account. They have one account with the first name slightly different to mine and apparently it defaulted with a balance of £633.00 Jan 06. The second one is in my name and defaulted for £296 in Apr 06. This account was covered by payment protection but the Insurance company refused to pay out for 12 months, due to my previous employer failing to complete the claim forms. Eventually after much complaining the Insurance Company paid out the claim and I thought the balance had b
  8. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html Try this Haydn - good luck
  9. In the grand scheme of things I have decided not to ask for the further accrued interest. Just wondering what will happen to the money now though. My account has just been passed to a debt collector as my account was overdrawn and they withdrew the overdraft when I started this claim. The balance outstanding is more than the claim and the letter they sent was if the account was closed they would send the cheque to me, if not they would put it into my account. If I am with a debt collector is my account closed! By the way - the debt collectors paperwork looks suspiciously like that of t
  10. Well, well. Got home today to a very inconspicuous letter from Abbey who have decided to SETTLE IN FULL. They have offered me all my charges back, the interest that I stated on my claim form, the court costs and the charge for the allocation questionaire. What a result!!!! So to everyone out there, keep going, keep going, keep going. My only worry now is to hold out for the accrued interest since filing my claim in June (or is that being greedy!!!!) LOL! PS Can a moderator, change my title please!!!!
  11. Good luck Haydn - be prepared for a hard battle, Abbey are proving to be a tough nut to crack. Glenn, thanks for your input, you are quite right the way you have worded it makes more sense now. I was struggling a little bit. I also see why I have to fill the form in now too. Off home shortly to fill in more paperwork!!!!! Have a good evening all
  12. Don't worry - this is standard procedure - look at my thread if you want to read what has happened to me, although I am asking for a lot more. Maybe as your claim is small (although perhaps not to you - they may offer to settle soon)
  13. This is my first draft Application Notice to have Abbeys defence struck out Can I have comments please, I am not sure how to end it either. (sorry its so long) 1. How do you wish to have your application dealt with – without a hearing (Go to question 5 & 6) 5. Level of judge – Left Blank 6. Parties to be served – Abbey Bank PLC Part A I (my name) on behalf of the claimant intend to apply for an order that the court strikes out the defence of Abbey National Plc because Abbey National Plc have failed to comply with an order to file and serve a witness of fact by 4
  14. How come you haven't had to fill in an N244 (like the one I am filling in now). Have you just written a letter. Love the letter by the way. I have done a draft off my N244 and wondered if you would pop over to my thread and read it (it should sound very familiar - as it has been plagarised (sp!) from your thread. LOL
  15. Hi Polly I am a bit unsure now. It was the clerk at the court office who told me I needed to fill in the N224, and I have to admit I was a bit gutted at having to fork out ANOTHER £35. I will do some research today and try to dig a bit deeper. What she actually said was that 'I should apply for the defence to be struck out due to non-compliance of an order'. Does anyone else out there have any experience.
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