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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Vincenta vs Capital One


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Greetings!!! Finally made it thanks to the ever so helpful vendi, sorry WendyB!

 

Thanks Wendy, you're a starlet.

:smile:

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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*******************************************************

Hello Folks this is just to introduce this new thread. I'm a newbie CAGer and will appreciate all your support and tips.

*******************************************************

 

Have read through the forum posts and have been much encouraged by the success stories. In the 2002-2004 period, I was hammered by bank, credit card and loan providers as I was self-employed with poor cashflow and my credit suffered as a result. After deliberating the whole claim issue for almost two years now, I've finally decided to take some action with reclaiming - starting with my Capital One credit card.

 

My S.A.R - (Subject Access Request) letter goes out tomorrow, recorded delivery.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Blimey, a starlet and a dame! I'm doing well for compliments today:D

 

You will find that Crap One are fairly straightforward,in my opinion, especially if its just charges and not default removal. Even better if there's no balance on your account, as then you get a nice cheque. They're a nice easy one to tackle first, to ease you into the whole charges thing.

 

Let us know how it goes and shout if you need help.

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Hey Ho. I've got the CAG bug bug bug!!! I'm going after

 

1. Ge Money - MEAF - £200ish

2. Ge Money - Mortgage penalties - £2-3000

3. NatWest - Current Account Fees - £500ish

4. Abbey - MEAF - £125ish

5. Abbey - Mortgage penalties - £300ish

6. Abbey - Current Account Fees - £200ish

7. Capital One - CCard Penalties - £500ish

8. HFC Bank Loan - Loan Penalties - £3000ish

9. Welcome Finance - Loan Penalties - £2000ish

10. Council Tax - Rebanding - about £2000ish

 

Total = £11,825.00

 

I hereby propose with every success, a minimum of 10% (£1,182.50) of my 'winnings' shall flow straight into the CAG fund!

 

Yessireee!!

;-)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Go get 'em vincenta.

 

I would advise leaving the NatWest and Abbey current accounts until after the test case. Don't do anything about the mortgage penalties until you have taken advice - they are not the same as bank/credit card charges and you may not be able (or at least wise) to reclaim them.

 

But credit cards, loan companies and bank loans - easy peasy :)

 

Cap1 usually gives in quite quickly as do GE Money - I would start with them.

 

 

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I'm with Steven on this one, go for the credit cards first. The upcoming test case may alter the way we need to proceed on bank current accounts so wait and see what happens there. Mortgage penalties can be a minefield so take advice on those before you do anything. Not too up on loans, but I do know from reading, both here and on other sites, that Welcome Finance are not nice people to deal with.

 

Just do the easy ones first, then as you get more experienced and knowlegeable work your way through them. No good doing them all at once - far too time consuming and confusing!

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The Mortgage penalties, are you looking at recovering ERC'S?

 

(Early Repayment Charges)

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thank you steven4064, perhaps you can click my scales....

 

I've had some very good advice from a local law centre here in London regarding mortgage claims and have decided not to go for ERC's as they are nearly always escalated to a higher court and you do need to have a solicitor present, if not a barrister, and I certainly can't afford either.

  • Haha 1
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There were several cases on CAG earlier in the year where people tried to reclaim ERCs as contract penalties in the same way that banl charges are claimed. In several cases, it got to court and the case was lost because the claimant couldn't prove they had a contract with the mortgage company. And no contract, no contract penalties.

The reason is that mortgages are a very different animal to any other sort of credit agreement - as you said they are hedged in law. Normal contract law doesn't (seeem to) apply and neither do CCA1974 or UTCCR1999.

 

 

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Hi All

Thanks for your various comments and suggestions.

Yep, certainly no point starting with the harder cases first is there? So I'll definitely be taking them in order of ease first.

On the mortgage front, I'm not looking at ERC/ERPs as that is only payable if you redeem your mortgage before a certain special period. If I did that on my current mortgage it'd be about £16K so "that ain't gonna happen!"

I'm looking at those awful DD returned and arrears admin fees and interest charged on top etc. Fortunately, it's not with my current lender but the one I moved away from about a year ago.

I'm certainly keeping them in my sights and with the way I was treated at the time, the least I can do is give it a go.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 3 weeks later...

Howdy Folks

Trust you all had a good Christmas and New Year?!?!?

Time for an update:

Abbey have replied to MEAF letter with a letter trying to say my old mortgage started almost TWO YEARS later than it actually did (meaning a lower MEAF would be payable) and to confirm I actually want a refund. I've replied and corrected their error. Should be just a formality to get a payment from them soon.

GE is yet to reply on the MEAF front. They charged me about £300 when I remortgaged away from them. Yet when I looked at all their docs for when I took the mortgage out, there was nothing to this effect there!!! I'm still tinkering with the idea of going after them for various fees applied to my mortgage account while I was with them for four years. Totals about £3000 for things like late payment/DD's bouncing/arrears account admin etc. Does anyone have any good information on reclaiming these?

Still waiting for SAR replies from Capital One and Natwest.

I've also taken on Council Tax!!! This is quite a biggie for me as I've lived here for 7 odd years. Two years ago I found out that a 4 bed detached not too far from mine (newer and bigger and more value) was on a band E. Another 4 bed Semi (newer and bigger and more value) is also on band E. This property is no 107 while mine is no 46. I've finally decided to stop sitting on my */?se and have spoken to and sent the valuation office a six page document showing all sorts of details why my property is NOT a band F but should actually be a band D and they're looking into it. Somehow, they mananged to allege that my 3 bedder is 141sqm while these fourbedders are a maximum of 127sqm??!?!? They were contending that mine is a bigger property! Of course they're wrong but fortunately, I have it on good authority from a RICS surveyor who valued my property in 2007 that it's size is a maximum 110sqm!

We'll see who gets the last laugh.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Hi vincenta

 

Happy New Year to you too :)

 

It might be worthwhile having seperate threads in the appropriate forums for these claims so you getthe most informed help.

 

On the GE stuff - you can certainly claim back things like late payment/DD's bouncing/arrears account admin etc. Normallym we don't advise tryng to go after Early Repayment Fees. Howver, if you can show that it is not in your agreement you might be in with a chance. I think you should post a copy of the agreement on your new GE thread so we can have alook at it.

 

 

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Thanks Steven I'll consider doing that. With all those different claims, it's a bit of a mission!!!

:p

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 3 weeks later...

I've received my Capital One statements! Will be going through it to add up charges and then sending LBA.

 

Can someone please clarify

 

1) Where to get those spreadsheets/calculators to use in calculating the claim amount?

2) What interest rate to apply to the charges. Is it the same rate as that used by the card company itself?

3) Where to send the LBA for Capital One credit card

 

Many thanks.;)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Hi vinceta

 

1) in the bank templates library

2) the same as the card itself

3) you need to send a preliminary request for payment first. Send it to customer relations - the address will be i the 'stickies' at the top of the Cap 1 forum

 

 

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Hi I was reclaiming bank charges with Lloyds TSB for £10000+ but its all on hold now so thought I will have a go at Capital (crap) One while waiting.

 

I got in the position that it defaulted and went to an external legal collections to collect balance. I have nearly paid it all off, about £650 left to pay.

 

Was going to send a template letter form money saving expert site but you are all talking about an SAR letter??? Is this better one to send and can i have the link to it.

 

Thanks friends :)

Martinengo[sIGPIC][/sIGPIC]

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Go to the relevant forum, the start new thread button is up top somewhere :)

:p Wanting out of the red and into the pink! :p

 

If I've been nice please tip my scales. If I've been naughty, tip 'em twice! ;)

 

CURRENTLY CAGGING -

 

NatWest Bank - no response to S.A.R - (Subject Access Request), 40 days passed

 

Natwest CC - no response to CCA, 12+30 days passed. Calls continue, I ignore.

 

Sainsburys CCs x 2 - Current T&Cs rec'd in response to CCA request. Letter sent re lack of prescribed terms. Calls continue, mobile set to auto ignore.

 

Capital One - Copy application form rec'd in response to CCA. Letter sent re lack of prescribed terms. Standard final response received. Calls continue, I ignore.

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