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Found 20 results

  1. Victory for consumers as cap on energy tariffs to become law READ MORE HERE: https://www.gov.uk/government/news/victory-for-consumers-as-cap-on-energy-tariffs-to-become-law
  2. Hi guys just back from Durham County Court with a victory over Lowell and it seems i found a Judge who would not be told the law. My case was around a 5 year old debt that i was being chased for but was not mine, Lowell issued a claim despite me sending them a letter to deny the debt. Once i had the claim i sent off a CCA request and it took Lowell 67 days to send some of the information asked for and in this case the Deed of assignment was asked for but Lowell refused and instead sent a hashed up copy of a notice of assignment claiming the Deed was between them and their client.
  3. Now the UK has decided to leave the EU, what is the time scale to activate article 50 of the Lisbon treaty ?..
  4. We are asking people to make donations in order to help us collect the cost of the transcript of the hearing and judgement in a recent successful case against Npower. You can read the Npower thread here: – http://www.consumeractiongroup.co.uk/forum/showthread.php?436401-nPower-Mismanaged-account-County-Court-claim-issued-aganst-Npower The case which was heard last week is the culmination of a long 2 to 3 year battle against harassment and mismanagement and incompetence by Npower and their legal department. Although the case did not produce the damages which were asked for, the j
  5. Hi I recently received a PCN from Parking Eye for exceeding the allowed parking time at Aldi. After reading several threads regarding the unfairness of the level of charges, and the questions over the legality I decided to appeal using one of the template letters available at various websites. Without including the full letter, the key points of the appeal were: a). The sum does not represent a genuine pre-estimate of loss, nor is it a core price term. It is a disguised penalty and not commercially justified. b). As keeper I believe that the signs were not seen, the wording is
  6. Following receipt of my first Erudio DAF I took the view of many on these forums that the form was intrusive, an attempt to gain additional consents and unnecessary to apply for a deferment. In December I therefore sent proof of income and a signed declaration based on the old SLC form. As was expected I received a reply refusing my application as the form "wasn't signed" A complaint was then raised which was rejected and is now escalated to the ombudsman. I have today come home to a letter from Erudio, confirming my loans have been defered. No reference to a signed form, n
  7. I bet this is already on this forum but if it is not this may help persuade a judge or help in your argument. The first ever PPI case was in 1992-93 (Bristol CC 93/10771). The case involved L W Price -v- TSB Bank PLC. It was judged that the total payments of the Insurance Premium were almost as high as the total benefit that could be claimed. The case was won. A 10 year non disclosure clause was put in place as part of the settlement. After 10 years, a copy of the judgement was sent to the OFT and CAB. Soon after, a super complaint was
  8. The following story features in today's Daily Mail and quotes comments from Marc Gander (Consumer Action Group) and Martin Lewis (Money Saving Expert) http://www.dailymail.co.uk/news/article-2763083/Victory-bank-charges-open-payout-floodgates-Court-backs-customer-hefty-overdraft-fees.html *
  9. Lloyds TSB has been ordered to pay a customer over £1700 after it unfairly applied bank charges to his account and damaged his credit file. In what we believe is the first bank charges court claim victory since such cases were stayed in July 2007, Oliver Foster-Burnell (‘orfoster’) has been successful in his claim for a refund of charges and interest. The claim was brought against Lloyds TSB at Taunton County Court where Mr Deputy District Judge Stockdale held that despite the Supreme Court judgment, the unarranged overdraft charges levied on Mr Foster-Burnell were contrar
  10. Hi All, I just thought i would let you all know of how i have dealt with Payday UK (MEM) and in fairness got a bit of a good result, I was a fool in 2011 and took our payday loans continuously for almost a year and i defaulted on the last payment of £145. I was unaware of this and had moved house!! I have emailed them directly not admitting the debt and requesting a copy of the CCA and also a full summary of accounts. I also questioned what information and been sent to my old property and been divulged to the new tenants. I have too and frowed emails explaining that they should
  11. Hi and thank you so very much for viewing my post. I posted previously about a firm of solicitors who for 5 years refused to give me any bills or invoices, and kept threatening to bankrupt me if I didn't hand over £3000 or sign an agreement agreeing I owed the debt. They would not tell me what they had done with the money they took from me at the outset £1500. They could never show me one single letter or phone call they made on my behalf. They commenced a claim in the County Courts without one bit of paperwork. I mounted a defence and Counterclaim. They did not respond
  12. Hi, Had my tribunal today and was placed in WRAG, so a partial victory.... I'm trying to find out exactly what it entails. how often do I have to attend the fake interviews, and basically what do hoops do I have to jump through in order I don't get sanctioned for some trivial misdemeanor? I would prefer facts, and not hearsay, as I am at the point of exploding at the minute
  13. Just had a letter from FOS upholding my claim against Capital One, it was rejected twice by Cap one, saying I had ticked the box therefore I knew what I was buying.... But I work in the public sector with an excellent sick pay scheme, and did 10 years ago when I took out the card. Should be an interesting pay-out, a 2000 limit that over such a long time So don't be put off just keep at them :-D:-D:-D
  14. Hi all, Now, this kind of story will have some resonance with other users of this forum. And my contribution is my 4+ month fight with the DVLA for allegedly not notifying them of a change of keeper.. It started back in October when my partner (named driver) received a letter from the DVLA that stated someone was trying to register the car in their name. My partner rang the DVLA to let them know that the car had been sold on eBay back on the 22nd of June (not May as I had mistakenly stated in another thread) and that the V5C was posted to them on the same day as the sale wa
  15. The Ministry of Defence has today confirmed the newly-designed Arctic Star and Bomber Command gold clasp will be available to almost a quarter of a million veterans or their families within weeks. http://www.dailymail.co.uk/news/article-2284517/At-medal-fit-Arctic-heroes-Design-unveiled-honour-veterans-Russian-Run-Second-World-War.html
  16. http://www.dailymail.co.uk/money/cars/article-2217224/Motorists-save-13-premiums-car-insurers-court-victory-legal-fees.html
  17. Hi just returned from Trafford Magistrates court courtesy of a Requisition inforced by DVLA to answer the charge of failure to notify. The vehicle in question was sold 2yrs ago DVLA contacted me 6mths ago.... long story short took advice from the site told their legal eagle i wasn't legally bound to chase up and do their work for them.......... Victory
  18. Well, it appears my 12 month long minicredit saga could be about to reach its conclusion. After passing my account to Freds who then gave up when I challenged them, the account went to OPOS. After texts not explaining who they were,their email confirmed my suspicion that they were working for MC. Their opening email stated they wanted £699 (loan was £100 and I've paid £115.50 towards it so far) and would seek a CCJ if not paid within 14 days. They offered a 50% discount of £349.50. I replied asking them to break down their figure and justify all charges, but I am not paying £699. They cam
  19. In the case of McCrossan & Gould v Black Horse Ltd the borrowers had taken out a loan for £16,000 from the lender in order to pay existing debts owed to various creditors. The loan was secured against the borrowers' home. The borrowers also took out a loan to pay the one-off premium for the payment protection insurance (PPI) they had decided to purchase. The borrowers brought proceedings against the lender claiming that they should not be held to their PPI contract. Their first claim was for misrepresentation. The borrowers argued they had been told that unless they took and paid for PPI,
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