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    • Name of the Claimant ? Calderdale College   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 16/09/21   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = 05/10/21 + 14 days to submit defence = 19/10/21 (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. The Claimant claims the sum of £1042.50 in respect of tuition fees, details of which have been delivered to the Defendant. Payment has not been made and the Claimant therefore claims – 1. The sum of £1042.50 being as to the sum due. 2. Costs. The Claimant has complied with the Pre-Action Protocol for Debt Claims dated this 15/09/2021. The Claimant claims interest under section 69 of the County Court Act 1984 at the rate of 8.00% a year from 30/05/2019 to 15/09/2021 on £1042.50 and also interest at the same rate up to the  date of judgment or earlier payment at a daily rate of £0.23.   What is the total value of the claim? £1394.44   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No  Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Tuition Fees   When did you enter into the original agreement before or after April 2007 ? After April 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? At the college – signed paper.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No.   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. STA International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Received letters from STA International chasing debt.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Was withdrawn by course tutor from the course.   What was the date of your last payment? 29 March 2019   Was there a dispute with the original creditor that remains unresolved? Yes   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the house was empty for 5 months presumably no-one was watching TV there. An empty house does not need a TV licence if the TV set is not in use. And you don't have a legal obligation to advise TVL that a house is empty.   So apart from the other points already mentioned about TVL you weren't committing a TV licence offence anyway!
    • It's a standard disclaimer, potential employers are unlikely to draw the conclusion that you have. Don't worry about it.
    • Big fish. Little fish.   I bought a product that was marked wrong, through misleading information from a massive company and wondered how I should the raise the issue with them that might be to both our advantages, ie. both helping them while maybe being rewarded/compensated.   I'm entirely within my rights to do this and there's nothing unethical about it.   You'd think I was trying to commit fraud for pity's sake. Who has never tried to take advantage of a big company making a mistake?    I used to get free credits from Apple for spotting spelling errors on iTunes.   The company made a mistake and I was sold a product under false pretences! Therefore I'm either getting less than what I thought I was paying for, or I can ask for a refund and several hours of my time have been wasted. How on earth you can turn that round on to me and try to make out that I'm the one trying to do a wrong turn is really quite something.. 
    • The thread was moved because you are asking advice about deliberately taking advantage of someone else's mistake to gain some extra benefit.   If somebody tried to do that to you I expect that you would be very happy and you would say that it was unfair. You would be right. As I've already said, this is not the kind of thing we get into.
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what is going on ??????


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well i have been using an posting on this site for a long time now my fight against the evil YB to reclaim my bank charges is a long an ongoing battle got very close an evil judge put on a stay i will be fighting this on 13th nov. this isnt why im posting now i just wonder what has happened to the merry band of guys who were on here no one is posting very often has everyone give up i cant believe that this is the same site that i knew and have grew to love as a family member their to help in good times an bad through out it looks like you have all given up come on chaps wakey wakey!!!!! i havnt got mine back yet have you so what are you playing at or are you just gonna send your money with a card from now on saying all yours!!!!!!:mad:

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It's certainly a lot quieter at the moment with so many cases stayed. A lot of people have tried to get them overturned, but apart from some who proved particular hardship, sadly few have succeeded. Once the OFT test case is resolved though I'm sure we'll be back with our usual numbers. Forums not related to bank charges are still pretty busy, but CAG is still here and fighting, never fear.;)


What's Best for You?



The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.


Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007



Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hello caro nice to see you are still about that is good news an also you cant sleep either im just a bit miffed at the lack of people posting i know that we have all hit a hurdle but surely there is alot of help needed to prepare for battle its only a hurdle after all in the end we will win whats rightfully ours an to anyone just starting out its a shame that there isnt many to offer support as i got an many others have had along the way am disapointed i must admit

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700 plus users here today....maybe the posts have gone down but the help and advice is still here and there is still lots of enthusiasm from the Cag team.

Lets not forget theres a tremendous amount of stuff here all added since the Bank charges info.

The main thing is that users are taken care of when they do post....theres nothing to suggest that this is not happening.

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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well bookworm fair comment about me not posting much of late had to recharge a bit but i have been checking up on everyone just not posting i have the upmost respect for all on here feel as if its my extended family so dont get me wrong but a bit of fireing up gets ya fight back lol as we are all so disheartened at min dont you think !!!!


respectfully jeanette :D

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Don't know about you, I'm still fighting! :-D


My Barclays claim got stayed :mad: but my Barclaycard one is still going and they're starting to talk settlement.


Don't forget it's not just bank charges, haven't you got some credit cards/catalogue/store cards etc that could be dealt with in the meantime?


The Debt forum is very active these days, you could always go and have a look and see if there's anyone who you could give support and help too! ;-) I tell you, some of the stories you read on there, when you have been able to help, even by just cheering them up a bit, it does fire you up again! ;-)

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  • 3 weeks later...

hi bookworm

check out my thread was my hearing well as its early hours now yesterday you wont believe it was a telephone conference lol am laughing now wasnt earlier i was there bank was there judge who arranged it was .....have a read is unbelievable xx

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Well, im back Con, after like 6 months away from the internet. Geesh seems like a prison sentance lol

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.


Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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