su2402, 2nd letters going to lloyds tsb on wednesday threatening court action. Do I then file x3 court claims or just one total? basically 2 current accounts and one credit card? I have 2 accounts on 1 claim (no card) just my thoughts, but if you are paying, you will have to find double the amount to start your claim:( and there is no need. My court case is in July, 5 months up till then, and I'm still waiting:( ( keep getting that song in my head) Happy claiming

Hi CCard, Welcome to the forum:) First you need to start your own thread, so your questions can be answered (back to Lloyds top left corner new thread). When you say the solicitors who do you mean? Is it your solicitor? if that was the case, they should be able to tell you that you need to fill in N244 amendment to claim. You can't just change it. Start reading as much as you can, http://www.consumeractiongroup.c o.uk/forum/faq.php And here is the N244 http://www.hmcourts-service.gov.uk/c.../n244_0400.pdf Hope this has helped, Happy claiming:)

bonnieday, go careful, coz there is debate over what can be excepted as legal tender, and they may be within their rights to refuse:( Stick with £1 stamp, at least we save money on postal orders:)

So do not need to pay for a postal order, COOL:cool: shame they don't make it known:rolleyes:

Hi Kazzie, My first thought would be to ring the court, and find out what point there at, I think you would have been notified with the return of your AQ etc, it can't do any harm. As to your other questions re SAR etc I'll leave that for someone who knows:p I can hear you:)

Davefirewalker, should the Judge not know,Wescot have to supply the agreement even if they are not the original creditor. As is defined by s)189 of the cca1974 The defendant admits that it has not supplied copy documents to the claimant but any request made by the claimant under secs 77 and 78 of the consumer credit act 1974 were not valid requests as the defendant is not the creditor as defined in the act. - I don't understand they have purcahsed this debt. So they tell me. It is denied that the claimant is entitled to require the removal of the registered data regarding a default. Such data is correct. - Hold on a minute, I thought they said they are not the creditor and they don't own it. So how comes my credit file has Wescot default written all over it. I'm confused:confused: Should Heavenly 1 persue the claim?

I FEEL FOR YOU ALL, no longer have to do tha:p t

Hi meagain, Yep the Greed sets in, bet them up there are still getting a nice bonus:rolleyes: To quote Rooster "As far as I know, there ain't no such animal! :grin: " End of topic:p

Darkangeldelite, We have to have insurance, and all companies use, you have 14 days from the day you receive your docs to cancel the policy with no penalty, cancellation after this may result in a cancellation charge which is explained in your policy documentation" So as far as points 1 and 2 are concerned, the charges are explained in your policy docs and you were given plenty of time to read them and cancel the contract if you weren't happy with them. at the end of the day have they not just got us by the short and curlies? as circumstances change, ( not only wanting cheaper insurance) ie:car scrapped. banned from driving etc:(

Hi I am horrified that they put the onus of charge refunds onto the staff in such a way:( I was never involved in the actual return of charges, but do know that charges/refunds form part of the Banks buisness, and thus the Manager has to balance the books, and gets brownie points if the refund quota is not used up. Speaking to a lady from TalkTalk, she said "as I have not used my refund today, you may have it" bless her, the fact it was their fault!*$! Workers and customers alike are being held up to ransom with charges:mad: I'm speechless:eek: delta666+powell I feel for you being put in that position, as it sooo easy as a customer to take it out on the person you are speaking to:( The best to you both:D

Just had a thought, CO-OP was for the people, then the Big Bad Banks came along:mad: so anything that gets set up, GREED takes over:rolleyes:

What about Credit Unions?

sequenci if the dca have had the debt passed to them, (not inhouse) are you saying they can not add on charges ie: in my case increase of £20, queried, and told it was admin? do I need to ascertain if there is a deed of assignment

Hi lateralus, i don't think i'm scary! only to HSBC:D or elephants I think I will pop in, as nearly double seems a bit much, even with the rise in interest rates. Thank the lord or someone for fixed rate mortgages:p Read read and read some:p more

H1, I think you have now realised what position you are in, which is good:) We now need to bring in the big guns:D Dave Dave where are you? H1 if you PM the Dave,s (personnal message, click on user CP top left) and ask them to swing by and read your thread, I'm sure they will be able to give you some pointers;) Don't give up, I've read some threads with bated breath, but the help, information and support (from all you lovely people:p ) has put light at the end of the tunnel. Good luck:)

skbuncks, you write very well for one who has imbibed, I like your signature They usually have two tellers in my local bank, except when it's very busy, when they have one". LMAO. sorry laughing to much to write anything coherant will pass that one on to my mates in the bank love it:D

Katieand scott, It really is a waiting game, I've got cobwebs all over me sat at this computor;) It is nice to hear a bit of enthusiasm though:p As the charges are unlawful, and the banks are not prepared to go to court to defend the charges, then yes they are having to settle our claims. Not without a fight though, which is why you need to read as much as you can and follow the guidance to the letter/date etc. You will win in the end, with a few more grey hairs:rolleyes: Happy claiming:)

LOL Yes knew you would be creeping up on me at some point lateralus

LOL my thoughts exactly:D

Hi, Have got my HSBC statement, and have noticed, that they have very kindly stopped charging me each time they put the loan in and take it out again:rolleyes: But where I was paying £5.76 interest, this month it will be £9.92:eek: Now before my £4 credit was jogging along OK, but this is going to take me further and quicker in to more debt. Anyone any idea why it has doubled? And what if anything I can do about it? Any:p thoughts gratefully recieved

Hi All, Elephant car insurance cancelled. £187.86 to pay, complained, went to FOS as dispute. Passed to C.A.R.S - I did say I was disputing the amount, but the lady said that's OK will be refunded:rolleyes: . Full and final letter from Elephant. FOS case closed. Payments made by internet bank transfer £10 a month. Overdue letter received! Emails passed re internet payments to bank account.... confirmation email have found payments:p Phone call horrible lady, re; non payment, here we again, payments IB, told you can't do that:) but I am check my notes. Default received-failure to honour agreement 20 apr. Now, I have ignored the default, as I know I am making payments, BUT should I contact the Idiots by letter just incase they put the default on file, and then have to go through the bother of getting it removed? I did have a smug smile on my face:) but this point is bugging me. Any thoughts?

And there is a £20 administration charge from the DCA:mad: I have been told to ignore this, could be interesting;)

Yakumo, I tried to argue point 3, when I was in dispute with Elephant, over a cancelled policy, but still having to pay the final 3 months, and had gone to the FOS. Did not make a blind bit of difference, and I got passed to a DCA while I was still in dispute (no full and final letter from Elephant). DCA said thats OK, you will be refunded once its sorted:rolleyes:. This was before my CAG days:)

Heavenly1, Another Dave, who Robdblynd has suggested is Davefirewalker, HOT on CCA'S:cool: Plenty of help out there:) Read read and read some:p more all the best

Robdblynd, H1 , I think was defaulted by Goldfish. H1 stopped paying westcot after she had sent the cca and had no response. Westcot's defence is that they did not apply the default eevn though on H1's credit file the default is listed under Westcot:confused: Yes you are right Diskmandave is the man:D CCA's and Dave against the world !!! was reading that one last night;) Heavenly1 you need to read through Diskmandaves thread, and ask him for some help, and to see your way forward, and from past experience DD will do all he can to help:D Hope this helps:)