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About rhig123

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  1. Hi All, I received a notice of assignment and claim form a couple of weeks ago, the notice was dated 25th April and the issue date on the claim form is the 29th. I have sent the CPR request for information and a CCA request. Today I received their replies one saying they are not obliged to provide the information, and the claim form particulars should be enough, the other stating they have requested a copy of the agreement and statements. On Friday I acknowledged the claim and have until the 30th to submit a defence, I am thinking of sending the complaint under the consumer credit ac
  2. Thanks very much, will get in the post today Richard
  3. I was sent default letters for two accounts last November, one of which has a claim stayed at my local court for bank charges. The other account is -£399.99 which I intend to pay off on Monday, IntrumJustitia sent me a letter today asking for the total. I have sent Natwest letters informing them of the account being in dispute but they seem to have lost them all and wont stop calling me. So far nothing has appeared on my credit file so I have left the situation but it looks like they are going to go for a CCJ. If I pay them the outstanding balance for the non disputed account by c
  4. Sorry for the late reply, I should be getting a copy of the agreement later in the week.
  5. Received a letter today stating that the FOS are unwilling to look into the case as it concerns a deposit made in cash as well as someone elses account. I have called the Post Office as they said they would get Cahoot to call me which hasn't happened yet, two months later. I will see if I can get my previous landlord to write to them or to provide me with some evidence of them not cooperating with her request. If I can get this I will have two examples of Cahoots ignoring these requests and could probably take it up in small claims court.
  6. Thanks for the replies guys, the house is a HMO and we all have separate ASTs, my reason for my belief that the landlord may have access to the premises is that when I researched the issue and found this to be stated on the Nottingham University website (I'm not at Nottingham but it came up on Google). This site claims that the landlord has right of access in the case of individual tenancy agreements though I don't know if there is any legal basis for this as it would only guarantee tenants quiet enjoyment within their own room. University of Nottinghams Students: Welfare An Individu
  7. I am living in a student house with four other students on individual tenancy agreements, we are unhappy with the landlord’s frequent visits to the property. The landlord’s current scheme is to call or leave a message for one of us leaving it up to us to pass on the message of her visit on; she has also sent workmen to the house without us receiving notice. Funnily enough when we moved in September the door bell was conveniently broken and has not been fixed, she uses this as an excuse to let herself in. The most frequent excuse for her visits is to 'top up' our electricity which is inclu
  8. Hi, I made a deposit to my landlords Cahoot bank account at my local post office in June, I received a receipt for the transaction but the money was not paid into the Cahoot account. I wrote to the Post Office who have told me that they had sent the money to Cahoot who wouldnt put the money into the account as I am not the account holder. I wrote to my landlord who has written to Cahoot three times regarding the matter and has received no response, the Post Office refer me to Cahoot who say they cannot discuss the matter with me as it is not my account. I think the best way woul
  9. My hardship letter is attached if anyone wants to use it, I received my cheque today having won by default last week, NatWest have decided to act on their previous threat to close my account if I made a second claim. I received a default notice on the 25th September giving me 28 days before the CRAs are given the information. Does anyone know a way to keep the account? My current plan is to send an LBA for my last charges in August then try to delay as the account will be in dispute (half way through court stage) when the 28 days are up. Isn't account closure against the banking code, and
  10. I have recently taken Natwest to court a second time in regards to bank charges, I filed with Moneyclaim last month after the blanket stay was announced. Natwest did not attempt to stay my claim, most likely because the day after I received the acknowledgement of service I compiled a summary of my current financial position and sent it to the trainee solicitor who signed the acknowledgement stating that I was in financial hardship and would contest any stay, I also pointed out the guidelines regarding hardship cases. I have applied for judgement by default so everything should hopefu
  11. Thanks ever so much guys I called head office today explaining that I had been mislead by my manager. They still tried to avoid it claiming it was my fault for not claiming it and the the money would not be paid as it was too long ago. After threatening court action they have agreed to reimburse me, needless to say I will be sending in a SAR to check their calculation and will most likely be asking for the interest seeing as they have been at fault. I honestly don't know where I would be without CAG, this year I will have claimed back nearly £2,000 of money I am owed by companies. As a st
  12. Hi, thanks for the quick reply, sorry for the lack of detail but I had the post made for me while at work. I will have around four 3 month summers by the end of the month at full time. I work for a retail chain and was told I wasnt entitled to holiday pay for 02-05 on the contract by my area manager, I will be giving head office a call in the morning. If I don't get anywhere I was planning on a subject access request to get the exact number of hours as I think I am missing a couple of payslips. If I can prove the amount of hours, could I just send them a letter demanding the amount owed
  13. Hi, Does anyone know if an employer can not allow people holiday entitlement by placing them on a zero hour contract? I have worked for three summers (03-05) and have been refused the holiday entitlement from them. Is there anything i can do? Richard
  14. Hi All, Does anyone know if the £35 cost can be added to the court fees when making a claim? I will be starting my second court claim against Natwest on Wednesday, I have fees back up to February this year so the wait for a test case wont affect what I can claim for but I am hoping to have the stay removed due to financial hardship. I would assume I will ba able to add the £35 to my claim if I need to apply for the removal of a stay but have not found the subject mentioned on the forum.
  15. I have done some reading and read about a credit agreement not being needed if the product is an bank and assume the bank will try to claim the negative balance they may say the balance is an unauthorised overdraft. In this case would I be right in believing that the bank needs to provide some evidence of a credit agreement in regards to the account? Secondly how can I request proof if a CCA S77/78 request is not possible for a bank account?
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