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    • ,OK  Firstly forget about court , at least for now and possibly for ever, dont pay any fees direct to anyone. NO one has ever won a case over something like this, however, many have suffered £1000 in costs for following inaccurate advice.   I suppose this will be arrears of payment for rent or damages to next door. Was it the same Bailiff company enforcing this as performed the possession? Anyway.   Forgive me if you have already replied to the following. Was a Notice of enforcement received, where was it addressed. Where in the timeline was it sent, before the CCJ or after, if so how long after.   The reason for this Is, if the order of enforcement had not been received by the bailiff or until alter the warrant was issued to your friend, you could have bought the car, with no repercussions.   £500, probably get £50 to 100 at auction, after costs, just not enough in it for them I think they will be convinced you know where he is, hence the pressure. I dont think they will be interested in the car or anything else from you,    I did notice someone saying that VAT are not payable on HCEO fees. They are of course. These Bailiffs are self employed and therefore liable for tax. The mentions I have seen refer to the Firm of HCEO who are not self employed themselves of course.   The creditor firm may be asked to pay VAT on the fees he has to pay the HCEO business(to start enforcement for instance), and it is those fees that he may be able to reclaim though his own business account, in the normal way. You cannot reclaim tax someone else has paid, unfortunately.   If you suspect fees are out of order, first step is always complain to the bailiff and the creditor. Court is never necessary in these circumstances, no legitimate adviser would ever bring the subject of  high court hearing up. Ludicrous nonesense.
    • Why would you think you could not do so ?   Visits to US are subject to US entry rules.   If you have a debt owing in an Islamic country such as Saudi Arabia, UAE, they have some court registration system, which may mean that it is noted when you attempted to visit a Middle Eastern country . You may then be stopped at the border and possibly detained while the debt issue is dealt with.
    • We're way past Feb 2019 - did you mean 2020 ?   In any event, never mind a refund - if you're not welcome at the gym, cancel the DD mandate immediately.   Don't bother with what Harlands tell you and don't speak to them at all, for any reason ! They tell porkies and have nothing at all to do with you being unwelcome at the gym.   Let us know how it goes with the No Win , No Fee solicitor.   😎
    • It was not retweeted by Trump, in fact his press secretary Stephanie Grisham said he ''strongly condems'' what he's heard of it even though she claims he hasn't yet seen it .     It has been widely criticised for being in extremely bad taste. If even Trump thinks it's over top what does it say about the decision to post it here?    
    • as post 7^^^ fee is due to be paid by 25th oct. your WS is due 2 weeks before the court hearing in nov IF lowells pay the fee!!   are your next move
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SirHumpy

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I have a credit card, overdraft and loan with Natwest - or rather did have because due to borrowing more than I could ever hope to repay I defaulted on all of them. They have all been closed and passed onto DCAs. I pay monthly sums off them through a DMP with CCCS - which I have maintained for nearly three years.

 

Now I know that on both the current account and credit card there was charges made that have been declared unfair. My question is can I claim these back? - even though I am actually in debt to the bank (I refuse to pay the DCAs and all payments are sent to Natwest :p). I wouldnt even mind if they took the money claimed off what I owe them - but I'm unsure how it would be looked at if it went as far as court.:confused:

 

I hope this is the right place for this thread - thanks :)

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Yes is the answer to claiming back charges. If you took PLP(known as PPI here) you may want to look at possibly claiming that back. If the loan was "fully protected" rather than sold with optional PLP then you may have a claim.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Posting this on another thread.Still not sure if I'm in the correct place.

Morning all I'm new to this site so hope I'm on the correct thread.I will try and be brief Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? many thanks

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Loramos...you need to start a NEW thread on your own situation.....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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I'm new to this so hope I am doing it correctly.I will try and be brief

Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? Many thanks

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How very odd:)

 

If you need statements from them at any time then it will cost you a flat legal fee of £10.00 by sending a Subject Access Request.

 

Back to your agreement. I am sorry, I am unable to help you. Is there anyway you can scan it in so that other people can advise you better.

 

Be sure to remove any personal details first.


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Is this letter from CMS in Telford?

At the moment this RBS department is finding some unique ways to avoid complying with CA requests.

Don't be bullied by them, resend your request & tell them the clock is ticking. I would copy Triton on the letter. They know they can't do this, there hoping you don't know the law.

Debs

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sorry for not replying sooner Debs.No the letter came fro RBS Southend.I have sent them another letter asking for true copy etc. not application form .I'm still intrigued though how the application form they sent me had to be returned to them by june 2001 but was signed and dated by me june 4th 2002

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One word, INCOMPETENCE. They haven't got a clue.

 

From now on send Your letters directly to :-

The Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

RBS Gogarburn

PO Box 1000

Edinburgh

EH12 1HQ

Enclose a copy of your origonal CCA Request. Also to this dept, do your SAR, & enclose your £10 PO/cheque.For this payment they HAVE to send you ALL statements you require for your account.

Debs

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