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Everything posted by embo

  1. Hi All In May 2007 I started that ball rolling for my dad.. Sent of the prelim letter and LBA on his closed TSB account. His charges date from Feb 2002 to April 2004 - totalling £3590 However this all fizzled out and we got no where with it. At this time there was no urgency because he was working and all was well. However now he is out of work and in need of money and I have told him that I will try to pick this back up and try to get these charges back. Do you think that it is reasonable to write to them saying, we wrote to you originally in 2007 and have still heard nothing, but also include a financial hardship spreadsheet in there and say we now need those charges back urgently? Do you think we have left it too late to claim charges from 2002 - 2004? Or do you think because we originally started it in 2007 they would have to honour it if they found the hardship grounds reasonable? Any advice would be great. Many Thanks Emma x
  2. Does any one know the conditions in which you would normally recive a default? thanks
  3. I have been issued with a default notice from the car finance company that I use. Basically I could not afford to pay last months car payment and i rang them in plenty of time, many times to sort something out.. The first call asking if i could have a payment holiday was flatly refused. The next one to see if i could get someone more helpful was also refused. The third one a few days before my payment was due to go out was also unsuccesful, and the lad i spoke to advised me to cancel my direct debit so not to receive any bank charges (which i did) and to speak to my account manager (who was on holiday) to come to some arrangement.. he wrote an email to her whilst i was on the phone asking her to ring me with regards to this.. I did not receive a call.. So i tried each day to contact her and each day she was off sick. Yesterday i managed to get hold of her and she stated that she was no longer my account manager, but did arrange for me to pay the missing payment off in 4 installments on top of my usual monthly payments.. which is fine.. However when i got home there was a letter from them - dated 4th July - issuing me with a default notice. So i know the letter has crossed in the post with my phone call yesterday, but i am really annoyed that they didnt even try to call me to discuss it first, i got no help whatsoever for a long amount of time. (i mean your lucky to even get through to their credit control department - the answer phone asks you to leave a message - and they never call back) Are they allowed to issue a default notice for one payment missed? Any advise would be greatly received. Many Thanks
  4. I cant remember the exact dates we did this, but it was months ago, and we thought every thing was done and dusted. I followed the procedure in having our council tax band re evaluated, and after finding out that our neighbours were in band b (and not c like us).. and checking our house price in 1991.. i contacted the council and they agreed that we needed to come down a band.. We then didnt have to pay council tax for some months as we were owed a refund. any way yesterday i got home to find a letter from the Valuations office telling us "Please find enclosed a copy of a notice of alteration to an existing entry in the valuation list. Information has recently come to light and we have incorrectly identified your property, consequently we have incorrectly reduced your band. So what i want to know is.. How can they agree with us on one hand and then change their minds the next minute... unless they have gone back to 1991 with a time machine and changed the house prices - i dont see where they are coming from. Has any one else experienced this? It doesnt mention the money we were reimbursed either.. we missed payments as we were owed money by them... will we now be expected to pay it back? This is just ridiculous. Any advise would be gratefully received. Many Thanks
  5. Ok - here is an update.. a reply from the solicitor yesterday: I have spoken with Birkenhead County Court today and they have confirmed that the Consent Order setting aside judgment has now been approved by a District Judge. The Order is currently waiting to be typed and the Court will post this to us shortly. In view of the above, I have today filed the Defence & Counterclaim with Birkenhead County Court. I expect to receive a copy of the approved Order from Birkenhead County Court in the next few days and I will forward this on as soon as it is received. So what does this mean exactly.. the case will start again? How can we now get the ccj removed does any one know what the next step to take should be? Many Thanks
  6. embo


    Hi All My court claim was issued on the 26th July - and I think today is the day to start judgement as there has been nothing from the court or the bank.. would you go ahead and start the judgement now? Thanks
  7. Ok - will see how it goes for now.. Thanks for all your help.. Becca thanks for your help too.. I will see how we get on for now, and if we still have no luck with the solictor maybe you will be able to help at a later date?
  8. Thanks Bed 32. I am so angry about this.. I have an update already - My husband managed to speak to the solicitor (the second one who said it was under control) just now.. And they said... "oh we thought solicitor 1 was dealing with it"............which is why we didnt turn up.. so hubby said i am not paying this money and i want this ccj off my file so the solicitor said.. "ok we will file an appeal and the ccj can be overturned" does this sound like a fob off? can an appeal be made?
  9. Thanks Cillitbanger thats another thing.. Ages ago because of the appaling treatment we did contact the ombudsman, and norwich union seemed to step up a gear for all of 5 minutes and gave my husband a £100 good will gesture. i will have a look re rogue solicitors too thanks
  10. Ok - in june of last year my husband was in an accident, some bloke smashed into the back of him.. to cut a long story short Norwich union the insurers were dreadful and the claim went on and on in a ridiculous way.. first it was written off, then it wasnt then it was..etc etc.. the other party said it wasnt him, then he wasnt involved at all, then it wasnt him again. he would not accept liability so it was to go to court. it really has been a mess. In the end my husband got the car back, but was not the same as before the crash and sold it on..actually quite some time ago. whilst all this is going on the third parties solicitor was constantly sending letters saying your insurers are not replying to our letters. the insurers appointed my husband a solicitor to deal with the claim..who raised a court date against the other party.. every thing seemed to be going ahead, when all of a sudden morwich union decided my husband would not be using this solicitor at all and gave them a contact for a different solicitors. However by this time we had a letter from the courts saying that the third party's solicitor had filed a claim and he was due in court on a certain very close date. Hubby then got into a panic and statred to contact this new solicitor who for days did not know who he was (as his file was lost) eventually a solicitor at this firm said dont worry we have managed to get the other party to agree to an extension - it is in our hands dont worry about it.. we heard nothing then for ages and ages (infact never heard any thing ever)... assuming every thing would be ok and we would hear when the new court date would be etc.. However at the weekend we received a letter throught the post from an external company saying "would you need help with your ccj for £3889" well my husband then rang this company to find out what the hell they were going on about as he has no ccj's.. only to find out that it is due to this court case... The solicitors did not turn up - the other party won and now he is left with a ccj and has to pay this money !... He called the insurance just now and they said "oh - this was closed a while ago - you lost the case" well i is the first we heard. we have received no letter from the solicitor advising of this...in fact nothing from them at all - not even a "hello - we are dealing with your case" letter.. What can we do about this...We are so angry.. what is the point in paying for insurance and extra for a solicitor when all you end up with is loosing a car you love, £850 excess - receiving a ccj and having to pay nearly £4000 for the privalidge. Any help any one?
  11. Unless it was sent on gold paper Thanks v much!
  12. thanks for coming back... but it seems to be different from the actual charge for exceeding the overdraft as we have those aswell (o/draft usage fee) but we also have a few...o/draft letter charges as well - all ranging in value... the biggest being £110
  13. Hi Sorry if this is a daft question.. but i have looked through and couldnt find the answer...and it never came up with my own bank account claims Can you claim the money back for O/Draft letter fees? Many Thanks Emma
  14. embo


    please ignore :grin:
  15. Rang her direct line number as have tried to get through on the number on the letter we got in reply to the request for bank statements (08453004431) but has been engaged for about 2 weeks. And have tried the other numbers given on this site, but had no luck (no answer, or engaged tone) She DEMANDED to know where i got her direct line number from, and i wasnt sure if i could tell her or not, so i said from a friend. She said she needs to know who gave me the number as she is going to contact them. Basically we received a letter saying the statements are now ready and we just need to tell them which branch to send them to - we have written to them to tell them which branch (no reply) we have been into the branch - who dont know any thing about it. She said she cannot help at all, and it is nothing to do with her. But i wouldnt let her off the phone. She then told me it's unfortunate i cannot get through on any of the tlephone numbers - but tough t1ttys! In the end she just said send an email to this address [email protected] which will probably be another dead end... sorry for posting, just wanted a rant, as she was patronising with a capital P. Any way Onwards and upwards!
  16. embo

    Embo's Mum V TSB

    Well.....basically received the usual fob off letter some time last week... time is up, and the LBA gone out today. (a bit later then should have done, but i have been poorly) bye for now!
  17. Well after succesfully claiming from Natwest, MBNA and the Halifax - it is not the turn for Lloyds TSB to feel my wrath - I am doing this one for my mum this time though! Any way, statements have been received (within 2 weeks) and tomorrow the prelim approach for repayment and schedule of charges will go out for £1425 I will keep this thread updated. Bye for now Embo x
  18. embo

    Embo V Natwest

    Dont you worry - wont be long now! x
  19. embo

    Embo V Natwest

    Thanks every one! Egough - i had a look at the AQ for cobbets and in other information basically it said if i didnt do the CPR PART 18 they would ask for it to be striken out. (If only i'd known then what i know now - an actual real life load of old cobblers) Would a mod be able to change my thread to Won Now? I've been waiting for the moment. xx
  20. embo

    Embo V Natwest

    hi egough i dont have it on me at the moment - but when i get home i will have a look and post again with the info. x
  21. embo

    Embo V Natwest

    Thanks! I cant concentrate at work...I will have to compose myself! Could i have my title changed to Won? xx
  22. embo

    Embo V Natwest

    Wooooooooooo Hoooooooooooo! The cheque has landed!!!!!!! £5223 I won i won i won! Thank the lord - i can go and get some new threads and a holiday. As soon as the little blighter has cleared i will make a nice donation to this site - make no bones about it. I thought this day would never come, but it has I am so glad i stuck with it, it was a long haul and they really make you work for it, but god i feel good! Thanks to every one who helped along the way!
  23. embo

    Embo V Natwest

    Well guy's I am seriously starting to get nervous now - Prelim hearing is on Monday and I have heard nothing from Cobbets at all. So i am thinking i may have to go to court afterall, Also i started reading this link which another CAG user left on another post for someone else with a prelim hearing and there is no way i can handle what this bloke went though.. http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/36034-case-management-conference-13th.html?highlight=management+conference is it worth ringing cobbets or should i leave it? Do you think they are purposly stringing this out. Do you think they realise they only have until Friday to get a cheque to me. do you think their solicitor will turn up - like in the thread above... Oh dear....i always knew i might have to go to court, and i dont mind going to court, but knowing actually what to say is another matter.
  24. Hi Stu I thought i would reply as no one else has. I also have a preliminary hearing on the 5th February - to last 10 minutes. I dont know if it is normal.....usually people get a standard court hearing - instead of a preliminary where they have to prepare a court bundle etc - however we dont have to do this for the preliminary. At first i was a bit worried, but after thinking about it, i suppose we are quite lucky as the preliminary court dates are issued with a date that is not too far away - wheras a standard court date can be a month or two away. I really dont think that Natwest will bother to turn up to the preliminary - and therefore in that case we win any way - so i am very hopeful that both of us will receive cheques very soon. hth emma x
  25. Oh blimey - i'm sorry about that. I didnt realise! I wont do it again
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