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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Scottish jurisdiction - from Mike Dailly, Govan Law centre


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these are the 2 main reasons I went to an English court. If you split a claim the defendant could complain that the 2nd claim you made should have been included with the first and the judge could prevent you from doing a 3rd against that bank. If it is a joint account you could do 2 in each name.

 

The other reason for England is you can do a claim for upto 6 years totalling £5k all as an individual no solicitor required. Only problem is you may have to attend court and the nearest is eiher Carlisle or Berwick.

 

I have claimed over £10 k from both nationwide and HBOS in an English court without too many issues but they could challenge jurisdiction as you are in Scotland, but I do have a plan should that happen.

If I have helped click my scales....

 

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  • 1 month later...

Hi i live in scotland and sent letter to RBS 3 weeks ago asking to refund bank charges totalling £1,400.00 stating that they had 14 days to reply. I have still not heard from them. Please could anyone give me advice on what to do next as i am confused about how the scottish court system works and what the next stage should be!

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Hi i live in scotland and sent letter to RBS 3 weeks ago asking to refund bank charges totalling £1,400.00 stating that they had 14 days to reply. I have still not heard from them. Please could anyone give me advice on what to do next as i am confused about how the scottish court system works and what the next stage should be!

 

I take it that is your prelim letter to them. Send them Letter Before Action next. Here is a link, good luck.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

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Hi everyone

 

Just gone through 6 years worth of statements from BOS and have arrived at a grand total of £8915 before interest!!! Obviously going to progress to the next stage but, despite the FANTASTIC advice on here, I'm still a bit confused. Obviously living in Scotland and having a bank with its head office in Edinburgh I'd rather not pursue things through the small claims here, because of the £750 limit and the fact that some sheriffs seem to have cottoned on the the 'trick' of making a few claims to get round this limit.

 

I have family living in Cumbria and don't think it would be a problem to use their address for legal correspondence, or for me to travel to Carlisle for court dates if necessary etc BUT......do I have to change to English address with bank NOW and maintain my account 'from there' from now on or can I wait until I'm starting proceedings (hopefully won't come to that, fingers crossed!) ;). I'm going to be sending my initial request for payment letter in the next couple of days....so can I continue with my own Scottish address for now then change to English address if necessary?

 

Hope that makes sense.....it does in my head but not so sure now I read it back!!!! :rolleyes:

 

Thanks guys....really helps knowing there are SQUILLIONS of us fighting back! :-D

 

Jacqui

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You only need a correspondence address in england for court documents so i've just opened an account with "mail box etc" in preston whose address you can use when filing your claim with MCOL and they then forward all mail up to you. You dont have to change your address details with the bank.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Thanks for that Stornoway....I had a feeling that would be the case but it's always better to check I think. Don't like to leave anything to chance with these guys!!!

 

Jacqui

At this point I would just use my scottish address, but serve the papers on the Halifax head office in England. I did this and so far they have sent my half (£5000) of what they owe me. They had no issue with my scottish address or me picking the head office (that is where most of my communications came from anyway).

 

I have set up a postal address in England for £50 and the firm send me a scanned copy of any letter I receive (50p) per page of a letter. You are more than welcome to use this address (so long as you pay the scanning costs ) should you actually have the jurisdiction challenged (which I doubt) .

 

My opinion is just go for it.

If I have helped click my scales....

 

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Hey, guys im about to send off my request for SAR to halifax. Is it standard for people to ask for the 6 years of charges to be reimbursed only to drop to 5 if it goes to court? And is this permissible to change this half way through your request? Just want to get it right first time! thanks for any help :D

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Evening all. First time post, found this excellent forum through moneysavingexpert. I'm about to embark on the process to reclaim my charges and this is how I think I'll need to go about it, please correct any omissions. Claiming against Abbey btw. I have my statements from 1999 and a quick scan of them leads me to believe I'll have about £6k of charges to claim back Abbey are based in England and I'll check which the ruling law is for the account. - First letter requesting payment of six years of charges along with details of all the charges. - If nothing, 14 days later second letter threatening legal action - If nothing (or unsatisfactory offer) set up mail box in England and serve papers from there. I'd be willing to travel for a court date in England if I could offset the cost against the full amount I can claim back. Have I missed anything/any other advice? I'll keep you posted and probably be back for more advice along the way :) TIA Doug

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  • 4 weeks later...

Hi I'm new to this forum and desperate for advice. I have sent the correct letter requesting statements to lloyds tsb (recorded delivery) and reckon I'm due about £4000.00 in charges. What's my best way to go about claiming them bank is it via court here or England and how do I do it?

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  • 2 weeks later...

I am claiming against LTSB, however their T&Cs state that for accounts opened in scotland then scottish law applies.

 

Does this preclude me from taking them through the English systems?

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