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scotia

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  1. 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
  2. This topic was closed on 03/08/19. 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
  3. This topic was closed on 03/08/19. 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
  4. This topic was closed on 03/07/19. 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
  5. 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
  6. Original thread is here : http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/164863-court-papers-received-_.html I suspect it is......but you never know ! any help would be much appreciated
  7. And today i have received a letter from the court......with various dates on it....the first one being '7/11/08 is the last day for lodging defences'.....i have already sent a letter off to the solicitors at the same time i returned intent to defend notice, asking them for copies of documents they rely on etc...... Should i SAR Clydesdale to get all the other info ????
  8. I decided to CCA the OC to see what they had....and they returned this..... However when we were looking through boxes of paperwork from years back we found another agreement identical to this one but with different figures on it...........! ? We remember that Clydesdale originally sent us the original which Mrs Scotia signed and sent back, then we got a phonecall a few days later to say that because we had a few late payments on the credit card there was charges on top of original settlement figures obtained and that they would have to redo
  9. ok here it goes.....i have shown below all the pages in the initial court papers received.....more to follow ! I have returned Form 07 - Intent to defend with the fee
  10. I will scan in the documents and put them up here later today, unfortunately i cannot SAR etc because i have already received the court papers, and have to decide whether to defend it by tomorow.......so don't have time to wait.... The total debt is for approx £12k...original loan was taken to pay off and existing clydesdale personal loan and an ever increasing credit card (so will be SAR these to check for charges etc) We have been making payments for the last 2 years through CCCS of approx £150 per month to Clydesdale, yet due to us missing a payment a few months ago they have dec
  11. Any help please ? i only have a few days before i have to send back court papers and i don't have a clue !!
  12. Hi Folks Mrs Scotia had a credit card with Clydesdale Bank in early 2003, they kept upping the limit when they were putting charges on it, so eventually, when it reached a few thousand they offered her a new personal loan to pay of her existing loan, and the credit card.......... We received the paperwork, signed it and sent it back, then a week later we were contacted and told it would need to be at a higher rate because we had a couple of late payments showing on our record....and again that PPI had to be included in the loan......so they resent new paperwork, which showed higher A
  13. I am a UNISON steward at my work...have been so for several years (7 at last count)......if you wish to contact them, let me know...i have been asking the local branch about taking matters further with regards to this....will let you know how it goes
  14. Hey Dawnb, it appears that you have been reading the correct parts of this forum, and seem to be collecting and storing all the relevant data .....lol....as for claim amount, i can only give advice based on my claims...i sent all letters prior to claim asking for full amount, but my LBA i added a paragraph to state that i would be submitting claims in £750 chunks rather than claiming for them individually....that way i put across that i am making best use of money and resources by claiming several charges together and not having to 'split' the total claim into smaller chunks to avoid court cos
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