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zoomraider

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  1. Read a bit more on mcol website and worked out what to do. I think nerves made me a bit dense before!! Claim now filed and awaiting notice that it has been served.
  2. OK, am starting my claim on mcol. Have entered my paragraph detailing how much i am claiming for and asking for the 8% interest. Question, when it asks for total claimed to calculate the court fees should I put just the amount of the charges or the charges plus the 8% interest which I am also claiming?
  3. Have just been looking into how to use MCOL as my final deadline to IF is up on 1st February and noticed this section on their website. Money Claim Online is suitable if: Your claim is for a fixed amount of money (no more than £99,999.99) Your claim is against no more than 2 defendants You have an address in England or Wales where documents can be delivered All defendants have an address in England or Wales where documents can be delivered You have an e-mail address Does this mean that now that IF have a postal address in Edinburgh that it isn't possible to use MCOL to make a claim against them??? Included full history of my claim below - FOURTH POST What do i do now???? I have received a reply from IF to my initial letter, content below, dated 11 January. "Thank you for your communication of 30 December 2006, regarding the issues raised in respect of your Intelligent Finance Plan. We are sorry you are unhappy with our service. A Service Quality Consultant will investigate your concerns thoroughly and will inform you of the outcome as soon as their investigation is complete. I have enclosed a copy of our complaints leaflet that explains how we deal with the concerns customers have with Intelligent Finance, for your information." The 2 weeks of my initial letter is now over. Should I send the second (threatening) letter now, or should i wait for them to inform me of the outcome of their "investigation"? Please help!!! REPLY Re: What do i do now???? there will be no investigation or an outcome, so send the letter. also, stick to one thread so people can see what steps you've already taken. REPLY Re: What do i do now???? In the template for the second letter it has a space to insert the name of the court, what name should I put? REPLY Re: What do i do now???? which letter have you sent so far, the subject access request or the prelim approach for repayment? REPLY Re: What do i do now???? Have sent both, received reply to S.A.R - (Subject Access Request) request at end of december, sent prelim approach on 30th december and received response as above. Am now sending threatening letter but don't know what court to put in letter as below. "This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour. " What court should i put??? REPLY Re: What do i do now???? so this is your letter before action (LBA)? where are you copying it from because mine doesnt contain that text REPLY Re: What do i do now???? Right, have found different template now, don't know where I got the other from! Letter before Action now sent, and hopefully in 14 days time I will be £1300 the richer. Looking over my schedule of charges before sending it off I realised that in one month they charged me £120 altogether!! It's just obscene, really. I think they deserve everything they've got coming to them! THIRD POST IF Change of Postal Address Not sure if anyone has mentioned this but Intelligent Finance have just changed their postal address. The new address for correspondance is Intelligent Finance P.O. Box 17316 Edinburgh EH12 1AY They do say that any correspondance recently posted to their old address will reach them. SECOND POST Finally received List of Charges!! Well, on the fortieth day from having sent my S.A.R - (Subject Access Request) request I have received the reply. Talk about cutting it fine!!! Also received my cheque for £10 back. Unexpectedly, because I had included my plan number as well as my account number, I received details for all my accounts in that plan, current account, credit card and my loan account which was closed last year, so that's a bonus! Total charges come to £1371. Have today sent my preliminary request letter, so now have to do some more waiting to see what happens. FIRST POST Started my IF claim today! Can I claim for closed accounts? Have just posted my S.A.R - (Subject Access Request) letter, looking forward to reply. Can I ask for details of accounts that are no longer open? I had a loan with them at one point. I became ill and have been unable to work for three years now. There was a period of about six months while I was sorting out benefits and things and during that time I was getting barely enough money to live on, however IF never stopped charging me for each missed loan payment and so debt situation spiralled, getting worse every month. Am overjoyed to think I might now be able to make them pay for the stress they put me through at the time in my life when I was least able to cope with it. Anyway, I paid off the loan about 18 months ago, can I still claim back the charges?
  4. Right, have found different template now, don't know where I got the other from! Letter before Action now sent, and hopefully in 14 days time I will be £1300 the richer. Looking over my schedule of charges before sending it off I realised that in one month they charged me £120 altogether!! It's just obscene, really. I think they deserve everything they've got coming to them!
  5. Have sent both, received reply to SAR request at end of december, sent prelim approach on 30th december and received response as above. Am now sending threatening letter but don't know what court to put in letter as below. "This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour. " What court should i put???
  6. In the template for the second letter it has a space to insert the name of the court, what name should I put?
  7. I have received a reply from IF to my initial letter, content below, dated 11 January. "Thank you for your communication of 30 December 2006, regarding the issues raised in respect of your Intelligent Finance Plan. We are sorry you are unhappy with our service. A Service Quality Consultant will investigate your concerns thoroughly and will inform you of the outcome as soon as their investigation is complete. I have enclosed a copy of our complaints leaflet that explains how we deal with the concerns customers have with Intelligent Finance, for your information." The 2 weeks of my initial letter is now over. Should I send the second (threatening) letter now, or should i wait for them to inform me of the outcome of their "investigation"? Please help!!!
  8. Well, on the fortieth day from having sent my SAR request I have received the reply. Talk about cutting it fine!!! Also received my cheque for £10 back. Unexpectedly, because I had included my plan number as well as my account number, I received details for all my accounts in that plan, current account, credit card and my loan account which was closed last year, so that's a bonus! Total charges come to £1371. Have today sent my preliminary request letter, so now have to do some more waiting to see what happens.
  9. Not sure if anyone has mentioned this but Intelligent Finance have just changed their postal address. The new address for correspondance is Intelligent Finance P.O. Box 17316 Edinburgh EH12 1AY They do say that any correspondance recently posted to teir old address will reach them.
  10. Have just posted my SAR letter, looking forward to reply. Can I ask for details of accounts that are no longer open? I had a loan with them at one point. I became ill and have been unable to work for three years now. There was a period of about six months while I was sorting out benefits and things and during that time I was getting barely enough money to live on, however IF never stopped charging me for each missed loan payment and so debt situation spiralled, getting worse every month. Am overjoyed to think I might now be able to make them pay for the stress they put me through at the time in my life when I was least able to cope with it. Anyway, I paid off the loan about 18 months ago, can I still claim back the charges?
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