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    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
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dmp and reclaiming ppi/charges


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hi all,

i would like to ask some advise, i'm on dmp and some of my creditors already accepted minimum payment what will be the impact if i request for S.A.R - (Subject Access Request) and cca to reclaim charges and ppi?

another question is :

i have a loan in NatWest and they already applied fro ccj and charging order my hearing was set on june 24 this particular loan (without ppi )i took to repaid the old loan with ppi can i still claim? even to pay the refund to the amount i owed. any help and advise is very much appreciated.thank you

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Hi Honey,

 

In theory, you should be able to send CCA requests to see if Creditors have valid agreements for credit cards, bank loans or catalogue a/c's.

 

You could also reclaim any unlawful charges made on the a/c's to reduce the debt you owe on each.

 

Re the Nat West loan, CCJ and Charging order, this is serious stuff and I'll ask for one of the Site Team to stop by and advise on this.

We could do with some help from you

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Honey, Please use this thread for the Nat West bank loan case only - start new threads as nec'y for other a/c's.

 

Q1. What exactly has Nat West done so far re the CCJ and Charging Order. Please post exactly what they say in the Particulars of Claim.

 

Q2. What has the court sent you about the hearing on 24th June.

 

Q3. When did you take out the new bank loan and do you have state's for the a/c for the last 6 years (if applicable). If so, you should start the reclaim process immediately by listing all unlawful bank charges on a Site Spreadsheet.

 

Q4. Have you Acknowledged the court claim and have you entered a Defence.

 

If you don't have all the statements, request them from Nat West using the SAR letter and enclose the £10 fee. Link here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

 

Carefully read Link No1 in my signature below for guidance on how to go through the reclaim process.

 

As this is a bank loan, you should also send the bank a CCA request letter with the £1 fee. Use Letter N from here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

Send the 2 seperate ltrs to Nat West in 1 envelope by Rec'd Del'y immediately. Keep copies of all letters etc.

 

By starting the charges reclaim on the a/c, you can then write to the banks lawyers and ask them to agree to adjornment of the case while the bank responds to the SAR and CCA requests. If they refuse, there should be an immediate urgent application to the court on N244 for an adjournment, stating the reasons and that the claimants (the banks Lawyers) have refused.

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Hello Honey,

I'd move fast on posting the info slick132 has asked for in his questions 1, 2 and 4 , regarding NatWest court case for 24th June, especially if you are a home owner. Then you can get help from the experienced CAG users to deal with your court case. They'll need to know the approx amount as well as I think.

 

A lot of CCJ's and charge orders are granted because the person didn't know they could, or how to, defend it and then really regretted it at a later date.

 

Can you advise who your DMP is with, as the way your thread's written you seem very relaxed about a court case and charge order compared to the rest of us!

 

Best wishes

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hi ,

i 'm very greatful for all the advise in this site,i am so worried about my hearing it's just i dont know what else i can .do i've been reading this site to get some enlightening advise for the last couple of days and to see where i can start.my dmp is with kensington they assisted me and advise me on what to do but i feel that i could still do more after reading this site.to start with your questions regarding my situation.

 

my original personal loan with ppi in NatWest was taken sometime in 2004 i could not realy remember amounting to 15,000 and i repaid that loan and took 25,000 loan without ppi last 2006 to help my father hospital bill in the country where he live. before i went into dmp i dont have any arrears in any of my debt even in this loan but i've been robbing peter to pay paul and use credit card to live so me and my husband decided to go into dmp and that is the only time we started to have arrears in all our debt NatWest obtained a ccj for this loan and they added my overdraft totalling 25,600 and the court was asking us 600 pounds monthly payment which we could'nt afford i applied for redetermination and submitted a copy of all our debts and expeditures and make an offer of 120 pound that we could only afford to pay ,our case was transferred into our local court and we have a hearing on the 24th of june because of that i really have a sleepless night but in reading this site i was a little bit ease in my burden and having a little hope that somehow the court will grant my application. i could'nt also remember if our joint account has had an unlawful charges since im always within my aggreed o/d and i makesure that i have enough money for d/d. the only thing i could think is to reclaim for ppi. i am a homeowner but i dont have equity in my house because of secured loan (my mortgage is only in my name).

shootsmith is acting on behalf of NatWest they add my loan(only in my name) and o/d in our joint account and applied ccj but only in my name on the otherhand intrum justicia was claiming the o/d in our joint account but only in my husband name so me and my husband are dealing with different dca but for the same account (our joint bank account).thank you all for great advise.

Edited by 111honey
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Honey,

 

When was the CCJ made.

 

Has a Charging Order also been made yet.

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ccj was made on the 18th of april and the court was asking us to pay nearly 600/month starting may 18th if not enforcement proceedings may be taken and a charging order may be applied. i applied for application for suspension of a warrant and/or variation of an order(n245) together with my expenditures and disposable money left also attached a letter to shhotsmith of our payment offer .but we actually continuosly made a monthly payment of 120 pounds eventhough they rejected our offer.receive a letter from the court that they are transferring our case in our local court and further into that we received a letter of hearing dated 31st of may that a hearing was set on 24th of june regarding my application for redetermination..

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Hi Honey,

 

As the CCJ has been made already and there are no charges or PPI on this loan, I'm not sure there's a lot more you can do about this.

 

You seem to be dealing with the matter sensibly but I'm not aware of much more you can do.

 

I've drawn this to the attention of the Site team and, if there's anything further we can add, someone will post here.

 

Start a thread in the Nat West forum to proceed with reclaiming the charges on the earlier loan.

We could do with some help from you

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Hello honey,

one thing seperate from court or reclaiming charges, is that you mention you have a DMP for other creditors with Kensington. Do you pay Kensington a fee to manage your DMP?

 

You could save yourself some money and pay off your creditors faster by arranging your DMP with either Payplan or Consumer Credit Counselling Services, because their services are free.

 

Good luck on 24th, it's always a nerve wracking prospect being in a court, but I've read on this site that it's just like having a meeting in an office and not as scary as we think it's going to be.

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thank you very weary. i started with kensinton because i realy dont know how to start and how to handle the situation i feel that i need full assistance in this matter, but as im reading this site i feel much confidence in dealing my dmp i am going to transfer my dmp to cccs i'm just waiting for this hearing to finish because i am not sure how easy or difficult to transfer my dmp and i dont want further stress at this time.thanks very much to you and slick 132.

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Hi Honey,

 

Being part of this Site helps you to better understand how you can deal with these matters yours. Help and advice is never far away.

 

It also shows how you are not alone in your situation - there are many thousands struggling to deal with debt, CCJ's, DCA's and so on, and people are now more willing and able to stand up for themselves and fight.

 

If Kensington are charging you, then perhaps moving to a free service makes sense.:)

We could do with some help from you

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hello to all,

thanks again as i read this site many question came out into my mind although many was answered by great advise but as i learned a lot of info at the same time further more question was added as well. i already received my lovely CAG sticker and started to prepare my letter and as i dig into my bank statement i noticed that i have a few unlawful charges in my bank account and this particular loan was originally taken with ppi i pay 460/month then i cancelled it after a few months and then i pay 360/m since.beacuse my hearing is very near i just wait then reclaim :confused:.i have a few more questions/clarification regarding reclaiming:

1. if you request for S.A.R - (Subject Access Request) is that automatically give you the statement/info on all the accounts that you have with them including credit card ,loans,ppi,secured loans etc?

2. i should'nt put my signature on the request on both SAR &CCA or just on CCA?

3. when i get SAR DO i have to speciy to the bank all the particulars/amount that i am reclaiming?

4.i had 2 secured loan with ppi that i settled early can i reclaim?i did not get a settlement figures.

5.since i am on dmp many of my debt has been tranferred to dca ,who will i contact for CCA and SAr.

thanks again

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1. If you tell bank what bank or credit card a/c's you want info for, they should send it for all the a/c's with just one SAR.

 

2. Signature on SAR is not so important but we advise that you DON'T sign a CCA request. Just print your name.

 

3. The reason you need your statements is to use all the info about charges and enter it on your spreadsheet. You use this to clearly list and reclaim your charges. You can't just say "Please give me back all the chgs you've taken from me in the last 6 years".

 

4. This will depend on the individual circumstances and you can post queries about this in the PPI forum.

 

5. Send CCA requests to the bank or credit company concerned to see if they have a valid CCA. Send SAR to bank or credit company if you need statements for an account and want to reclaim charges on the a/c. I would NOT send these requests to the DCA.

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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