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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? There was no inventory when I moved in, I also didn't have to pay a deposit. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
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Apologies for the hijack-but have you got an email address for this Gareth boy please?

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Is it not Gavin ???????????

 

:?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Absolute timewasters, they surely must realise that you aren't going to stop until you get the lot back. They seem to be shooting themselves in the foot in cases like this where it is obvious the claimant isn't going to drop it!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Ah well, only two and a half hours to go until I issue proceedings for the DPA breach. I have been up half the night planning what will go in the summons, I will post it back in here later when I work out how to do it.

 

Any views on what I should be claiming for, So far I have phonce call costs, letters, envelopes, postage. I will also claim for the immense distress this has caused, anything else ?

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As a lot of your communication has been comp orientated I would also claim for that.

 

Do they not know you have no pc at home and have had to get 2 buses to the internet cafe......where their charges are extortionate ?

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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So they got 75 minutes to see sense...............and counting

 

 

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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ok guys, how does this look ?

 

particulars of claim;

 

I am claiming for damages and distress caused by the defendants non-compliance with their obligations under the data protection act 1988.

On 5th April 2006, I made a request under the data protection act for all details relating to my credit card account with the defendant. Statements of account were received within the 40 day period, although seven statements were not included and cannot be retrieved. The defendants own records indicate that the storage disc is faulty/missing, which is a breach of the seventh and eighth principle of the data protection act 1988.

Whilst the defendant has provided copies of their file notes outside of the 40 day period, these are not in intelligible form and as such breaches the data protection act 1988 part II 7.© (i).

Additionally, since my account was opened with the defendant, they have applied unlawful charges of £558.00. These charges have now been refunded by way of good will, however the defendant has breached the first principle of the data protection act 1988 by using my personal information in a way that is unlawful. Although they have refunded the charges, I have been charged a considerable amount in interest on the account due to the unlawful charges, which has not been refunded.

The defendant has also failed to provide a copy of the credit agreement signed by myself and as such I feel that this makes the debt unenforceable at law.

I have made adequate efforts to allow the defendant to rectify matters within a reasonable amount of time which they chosen not to do. I have incurred damages by way of phone calls, postage materials etc. I have also suffered from stress as a result of the defendant’s actions.

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 23rd May 2006 to 7th June 2006 of £0.99 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%.

any thoughts ? 23 minutes to go !

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submitted online at 12.05pm. a little bit later than planned as I needed to remove a few words to get within the amount of letters I was allowed. anyway I have waited along time to do that and do you know what........................................ It feels fanbloodytastic ! :)

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Excellent - keep us fully up to date and GOOD LUCK :D

 

Worz

I used to be a dummy, stuffed full of straw and standing in the field of life. And like the straw-filled dummy I was I accepted my lot in life and carried on, tied to a stake in the miserable field of depression as the elements beat me day and night. But there came a time when the elements had gone too far and the string holding me to the stake fell rotten to the ground. The elements had tried to beat me, but instead had set me free!

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Good work SS, keep it going mate!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Surreyscouse-

You are like a dog with a bone -

A Rottweiler!

 

Excellent!!!

 

I wish you Good Luck:)

 

Angry cat

 

And we all know Rottweilers seldom lose a fight !!

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I am actually fairly relaxed about the whole thing and quite looking forward to hearing back from their solicitors or whoever. Although MBNA have said they will still be responding to my letter last week I will pretty much disregard it unless they say something astonishing !

 

Here we go !

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Well, they have actually refunded the charges. But the way they have been with me is what prompted me to take this action for breaching the DPA.

 

I think it stems back to a problem where I asked them to transfer my balance onto a loan because they upped my interest rate quite dramatically. They refused to do so and in the end I was getting emails from Shane Flynn who was the ceo at the time basically telling me to disappear off the face of the earth. I have been looking at a way to get back at them and I think I have found it.

 

By nature, I am quite articulate (i need to be in my job) so I exect others to be the same. The fact that MBNA are far from articulate and have caused me grief has made it easier for me to make a claim under the DPA.

 

Point to note is that a lot of people, yourself included lickthewallfatboy, were not offered the full amount straight away. They did not even try that with me as I think they knew that I would just go straight back at them for the rest anyway, so the saved themselves the hassle of all that. Not realising that the masterplan to sue them was already at the back of my mind ! :shock:

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update from moneyclaim online

 

The following information relates to your claim:

arrow_big_header.gifClaim Description

arrow_big_header.gifClaim Number

arrow_big_header.gifStatus of this Claim

spacer.gifMBNA

spacer.gif6QZ36695

Issued

Your claim request has been accepted. The Defendant has 14 days from the date they are served with the claim, to reply.

 

 

Wahay ! So the next thing is that MBNA will be served with it, then the clock really starts ticking ! :p

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Excellent stuff SS. Get whatever you can out of them and then some :)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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you are a total inspiration, I have had nothing but grief and as I said in my first post on this board, they turned on my parents. I want to see this lot hung out to dry and exposed for the animals they are.

 

My missus has just got off the phone to them, some woman at their end said (and we have this on tape)

 

'I understand that you cant pay, but look at it from my position, you took 16k of our money and can't pay it back. I would suggest we look at a secured loan on your property'

 

my partner " i'm doing everything I can to pay, but in the meantime, i'm offering you what I can as a goodwill gesture"

 

MBNA 'look, you can't make the minimum payment, that's no good to us, unless you can make the arrears of 300, we can't enen begin to help you'

 

Surreyscouse... screw them and make sure it never goes away.

 

I'm off to Guildford CC, next week to get some forms... i'll start on abbey and then this bunch of merciless financial crack dealers are going to be next.. and i think i'll start by asking for a list of my charges...

 

do you thing I can sting them for what they put my parents through?

 

GOOD LUCK

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