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About pblackie

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  1. This topic was closed on 03/05/19. 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 their. 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. On the way to them You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the limitation act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” I would also point out that the OFT say under their debt collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”. The last pay
  3. Just received a letter from SLC stating I must repay and asking me to complete an income & expenditure form and make an offer of repayment!!! Do they believe they are exempt from the limitations act? reminder letter on the way to them
  4. HI I am still receiving letters regarding this overdraft/bank charges now been passed to Moorcroft/Midas. Is a CCA request applicable to bank accounts/overdrafts? or should I re-issue the LBA to HSBC (original one was sent befor the test case started). Any advice appreciated.
  5. No they go back about 4/5 yrs but i'm fairly sure the default notices were not correctly executed
  6. pblackie


    I had an overdraft which had court ptoceedings issued and then cancelled (see post http://www.consumeractiongroup.co.uk/forum/showthread.php?132884-HSBC-NCO-amp-now-IND**WON**) This has now reared its head again in the form first of DG then, MCS now Moorcroft. Can anyone point me in the direction of templates asking them to prove the account was defaulted correctly etc
  7. This has now reared its head again in the form first of DG then, MCS now Moorcroft. Can anyone point me in the direction of templates asking them to prove the account was defaulted correctly and anything else that may throw a spanner in their wheel?
  8. Finally i have received the following reply from the FOS: Any thoughts on next steps as the FOS appear to have completly ignored my amended complaint particulars?
  9. The FOS replied to this letter with: "Thank you for letting me know that you wish to proceed with your complaint, albeit, on amended grounds. I would like to explain that this service is unable to investigate the 'new' grounds of your complaint until the bank has been given the opportunity to carry out its own investigation. Therefore, I would suggest that you contact the bank. You will of course be given referral rights to this service once the bank's complaints procedure has been exhausted. To which, again with Govan's help, I replied : write in response to your email
  10. And so on to the next piece of the saga. Following the SC ruling I sent the following letter courtesy of the Govan law centre: I write further to my outstanding complaint concerning unfair bank charges applied to my current account which had been placed on hold pending the Supreme Court test case of OFT v. Abbey National plc and others [2009] UKSC 6. I understand the FSA’s waiver has been lifted and you can now proceed to determine my complaint. Although the OFT lost this case under regulation 6 of the Unfair Terms In Consumer Contract Regulations 1999 (UTCCR), the Supreme Co
  11. Hmm, just received a letter telling me that unless I contact them they will issue court proceedings. As far as i am aware statute barred is a complete defence or am I wrong and SLC have re-writtain the law:-?
  12. So Lloyds is going for the mass strike out option BBC News - Lloyds to ask local courts to dismiss overdraft cases wonder who else will follow
  13. I wonder how many in the supreme court have been offered tasty jobs with the banks
  14. Looks to me as though they are trying to say this is some form of agreement with them?? Any thoughts on action I should take?
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