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About speedy9764

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  1. Hi All, I have just (Saturday) received notification from the court that defence has been filed and they have allocated this for "case management" on 19th July 2007 at 12.00am 15 minutes has been put aside for this. What is this, as I do not have an AQ does this mean it has been dispensed with? are Barclays (T/A Monument) required to attend, what do I need to take ? is that all the original documents and letters Help please. Cheers Speedy
  2. Hello, Just to let you know that my first case against HSBC court REF 7OS00062 has been settled out of court for the full amount of the charges. I also did not agree to any confidentiality. Cheque for charges passed to the supervisor of my IVA as "Windfall" Cheque for Court Costs paid direct to me. Just got the second one to chase now ! Speedy:)
  3. Dear all, You may be interested in the letter I received today in response to my partial acceptance letter: Dear Speedy I refer to your letter dated 28 May 2007 I note that you are dissatisfied with our offer to refund £88.00, However our position remains that we believe it is fair when customers' break the terms of their agreement with us, we recover the costs. Therefore, I am not prepared to consider your request for any further refund I appreciate that this may not be the outcome you expected, however I trust that the information I have provided has clarified Bcards
  4. Hello all the CAG readers. I have received an offer from DG charges plus costs but excludes interest but they are saying they will pay the funds direct to **** ******* as I have an IVA and **** are the trustee's. Does anyone know if they are able to do this ? its my money I am trying to recover, (yes I should pay it to trustee as a windfall payment but I can take back my costs of filing the court claim and AQ first) Is this a breach of DPA as it is 3rd party information ? As my contention is that the money has been taken unlawfully would the trustee then be in receipt of stolen m
  5. Managed loans, mine gets really confusing as I have had a managed loan, having got into the spiral of debt I ended up selling my house and paying off the loans then a couple of years later buying another house, then due to my wife not being able to work we got into trouble again with money, charges piled up so they consolidated everything into another loan and made that a second charge on my house, Having just read this thread for the first time I shudder to think how much of the £26k consolidation loan is made up of paying off charges. I moved house and wanted to bank with my local branch and
  6. Hi Pete, looks pretty solid to me, that shows credit cards, you would not happen to have a link to the current account T&C's as well would you please ?
  7. Interestingly enough I have had a response to my LBA, Full refund credit to account, I phoned them on the number given in the letter and had a very pleasant chat and pointed out that the account was closed so would they send a cheque to which they agreed, now I am just waiting for that cheque.
  8. Good luck friendgeorge. Be aware that monument seem to want to play hardball, as even in thier first letter to me they spout on about termes and conditions to which I agreed to be bound they say about late payment fee's and over limit fee's although there is a lovely statement which says: "At Monument we believe that it is fair when a customer pays us late or the balance on the account exceeds the agreed credit limit, the costs we incur are borne by the customer" However, what I object to is when those fee's then take me over the limit and they then charge me again and then charge intere
  9. Thank you very much to Rooster and Livelylad. Am I better off waiting a while before sending my court bundles or would it look better to send them early ? I am slightly confused re nudge letters, many posts suggest sending them every 10-14 days and Rooster you say not to bother I will go either way with these, sending one straight away would smack of desperation, waiting a bit longer seems to be working to resolve the dispute and having dialouge before going to court, any suggestions on the way to proceed please thanks
  10. District Judge ****** has considered the statements of case and allocation questionanaires filed and allocated the claim the small claims track. The hearing of the claim will take place at 14:00 on the 19th July 2007 at Oswestry county Court, The Court House, Holbache Road, Oswesty, Shropshire and should take no longer than 2 hours. The court must be informed immediately if the case is settled by agreement before the hearing date. Each party shall deliver to every ohter party and to the court office copies of all document (including any experts report) on which he intends to rel
  11. Hi All, Well I have finally arrived at the momentous stage of having a court date: 29th December 2006 SAR sent and Acknowledged 9th Jan 11th Feb Statements received 13th February Request for repayment 20th Feb Standard Bog off letter 27th February LBA 13th March 1707.24 Filed claim 7OS00062 £1707.24 16th March refer to bog off 20th Feb still not completed investigation 16th March court notice of issue, deemed served 15th March 20th March Acknowledgement of service filed by DG solicitors 10th April Defence filed with AQ to be returned by 27 April 11th April called
  12. Dear all, You may like this: Having sent my SAR I eventually received a pile of statements and a letter saying the stuff held on microfiche would follow which it now has BUT included in my pile was a statement for another Bcard customer showing all thier personal details, I would like to open a little competition for the most creative way of bringing this to the attention of those arrogant bar stewards and in a way that could cost them the most money. I am sure there are some deviously cunning members here who can think up the perfect response, Your suggestions please
  13. Monument Portland Building 25 The High Street Crawley West Sussex RH10 1BG Good luck, I am at the rejecting their first offer stage.
  14. Update. Now received in writing offer to settle DPA breach and I have accepted with a letter saying I will contact the court to terminate the court action when the cheque has been received, I am not getting caught by the old cheque is in the post trick. On the court front we are at the management conference stage so I am sure they are looking not to attend that hence the offer. I have decided to accept the offer of the refund of charges to my account, I have 11 other cases going on !
  15. I am at the same stage with DG my court have said that it is now automatically brought up before a judge who will either issue a "by now" order, giving them maybe 7 -10 days to file AQ or their defence is struck out. Unfortunatly my local court is now taking industrial action so will not answer more calls !
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