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cherminate

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About cherminate

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  1. I started my claim a long time ago last year and then I read lots on this site. However I am a bit rusty now and would like some info. please. My claim is against RBS for a total of 7087.05. 1506.76 being charges, 5330.29 being contractual interest and 250 court fee as I completed MCOL 30/03. Some months ago I received an offer of 1807.35 from Cobbetts on behalf of RBS. I cashed this cheque and spoke to the court as they(Cobbetts) were asking me to sign a notice of discontinuance stating that my claim for interest would be unsuccessful anyway. Courts stated that it was my choice but that unless I was going to discontinue my claim that they did not require anything from me. I have received a letter from the court dated 3/10 which encloses a pre-trial checklist(how do I complete this??) and adds that there is a listing fee of £100 and a hearing fee of £500. But I have already paid the MCOL fee 0f £250??? Cobbetts have sent me a letter stating that they will write to the court seeking an order that the rest of the claim be dismissed. When do I prepare the cort bundle and when is it sent to the court? Will I have to pay the additional £600 Help I'm in a right pickle and as I am planning to get married next year I can do without shelling out £600 which I have not got
  2. I started my claim a long time ago last year and then I read lots on this site. However I am a bit rusty now and would like some info. please. My claim is against RBS for a total of 7087.05. 1506.76 being charges, 5330.29 being contractual interest and 250 court fee as I completed MCOL 30/03. Some months ago I received an offer of 1807.35 from Cobbetts on behalf of RBS. I cashed this cheque and spoke to the court as they(Cobbetts) were asking me to sign a notice of discontinuance stating that my claim for interest would be unsuccessful anyway. Courts stated that it was my choice but that unless I was going to discontinue my claim that they did not require anything from me. I have received a letter from the court dated 3/10 which encloses a pre-trial checklist(how do I complete this??) and adds that there is a listing fee of £100 and a hearing fee of £500. But I have already paid the MCOL fee 0f £250??? Cobbetts have sent me a letter stating that they will write to the court seeking an order that the rest of the claim be dismissed. When do I prepare the cort bundle and when is it sent to the court? Will I have to pay the additional £600 Help I'm in a right pickle and as I am planning to get married next year I can do without shelling out £600 which I have not got
  3. Capquest were unable to provide a copy of my CCA and therefore they are referring the debt back to the Royal Bank of Scotland. They advise me that they are going to send a cheque out to me. I should have it by tomorrow.
  4. Just to update. I have advised trading standards and they are looking in to the matter. In the meantime Capquest were unable to provide an agreement to my CCA request and they have said that they will return all monies that I have paid them. They have returned the debt to the Royal Bank of Scotland. Evidently they have no agreement either thus unenforceable debt. However as this relates to a bank account and its overdrawn balance and the fact that I am presently pursuing a claim on the account then I assume that they may settle after having taken away the debt.
  5. The charges I am claiming are broken down as such: Parking fine 95.00 initial letter 12.00 bailiff fees 126.00 VAT 24.76 card fees 4.26 Payments received 105.00 Evidently this would have covered the initial parking ticket, however , they have sent the debt back to the council. Do I proceed with an MCOL for the payments I made or do I ask for a SAR so that this is broken down and I can see where the bailiffs attended and thus their justification for the fee.
  6. Have just spoken to someone who states that there was an incorrect trace and that they will refund my money after she has passed it to another department. I won't hold my breath!!
  7. I requested a copy of the CCA. They have been unable to provide this and within my letter I asked for clarification regarding the power of attorney they have ignored this point. They advise me that they are referring the account back to the RBS. How do I proceed now? Should I demand the payments back which I have already made to them. Who do I report them to for processing my data without the agreement and holding false information about me relating to the power of attorney.
  8. You could add contractual interest from your preliminary, some people have been successful with this. Check with Halifax what their various rates are, I used 18.5% .
  9. I sent my CCA request on the 15/12 to Debt Managers. Today I received a letter back stating that I neede to continue making payments and that they were awaiting my CCA request from their clients Aktiv Kapital. Now clearly they have defaulted on the monthly deadline and until such time as it is produced it doesn't have to be paid. However are they able to have my details if they have no written agreement in their possession ie from AK, and are they committing a data protection act offence. I have paid them £400 thus far. Shall I attempt to claim this back indicating the above information.
  10. Send a response advising that you will accept only as part settlement and that you will pursue the remainder through the Court.
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