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    • well we cant help you without information. we need to SEE the org TfL Letter and your reply. we also need to see the SJPN court forms upon WHAT you are ACTUALLY charged with and if there is a TIC List requiring your signature next to each journey and how many journey's are on the list? scan these upto ONE mass PDF read upload CAREFULLY. if your 'lie' of lost card is included in the court docs within a written statements , i can't see you escaping a criminal conviction...sorry. dx    
    • thanks for the fuller story now... sadly on most assumptions you are wrong. i cant see you going anywhere with this . the file can appear twice on your file, but doesn't hurt you twice. OC's are not obliged to default a debt before sale (though if they dont - it renders the debt useless to a debt buyer) . thus Lowell just left it and in 2021 their entry fell off due to 6yrs of no reporting. lowell didn't 'write it off' its an automated CRA File process . The old EE entry was held on your file because of the AP markers, they are a real bugbear to any account and if its never defaulted can cause an account to show for 12yrs on cra files regardless to any balance or not. in your case its sadly somewhat immaterial that EE erroneously used AP, it appears it didn't actually harm you. you cleared the EE entry bal by paying £69 in 2022, that wouldn't have changed anything really. the AP markers held it on your file. so either EE now remove it or you await it's natural drop off 6yrs from the last AP mark.  
    • So my CPR request has come back from Overdales, the same multipage 29 page agreement that came back via the CCA, plus notice of assignment. However no Default notice, or Statement. They just confirm that they have raised a request for a copy of each,.
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Curry vs FD - Have I mucked up?


JCurry
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Hi. I phoned FD and asked for a list of my bank charges over the last 6 years. Within 1 week my statements arrived in the post free of charge. Calculated Im owed almost £1500 in bank charges. I sent them the prelim letter but received a letter back saying how they believe their charges are lawful etc etc... Now, this is where I wonder whether Ive mucked up....

 

According to Martin on Moneysavingexpert, he suggests if they come back and say this you get straight on and file a claim on MoneyClaim (which I did). However, Ive noticed on this site there is a letter before action that I wonder whether I should have sent first? I hope it doesnt affect my claim????

 

Anyway, today I received a letter from Northampton County Court saying my claim has been lodged and they have until 6th August to reply.

 

Any ideas what is likely to happen from here???????? Any help would be greatly appreciated as my synical husband thinks Ive just wasted £120 by lodging a claim for the money....!

 

Thanks.

 

Janet

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Guest Mumofthreeboys

Errr, yes you should have sent the Letter Before Action, because it's just that a letter before you take action against them.

 

Having said that, lots of other people have got their charges back and not done it 'properly' :)

 

I think you should maybe PM a mod and ask them, just to be on the safe side.

 

I'm sure it'll be OK. Keep us posted xx

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The 14 day timescale between each step is so that (if it ever got court) you can demonstrate that you have given the bank a reasonable time to settle before resorting to court action.

 

Since the banks are refusing to step into court, that scenario won't arise, so hopefully your premature filing won't make any difference.

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Guest Mumofthreeboys
Sorry, but whats a mod?

 

Sorry, I should have said 'moderator'.

 

I do agree with Michael's comments tho, that the 14 day timescales are only to prove you've given the bank a reasonable time to respond - they have stated their position......

 

If you go to the bottom of the home page it will show the users on line, the ones in green are moderators, just click on one and then click 'send private message'. They will get back to you.

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Hi. Well contra to all my concerns and worries, I was pleased to open a letter today from DG Solicitors acting on behalf of FD. They have offered £1014.40. My initial claim to them was for £1503.73 but then after lodging a claim through MoneyClaim, interest and court fees took this up to 2031.77. Now comes the decision.... Do I accept what is basically half of the charges I claimed through Moneyclaim or just take my money and run? Ive read a few peoples threads who say they have refused and then been offered the full amount but as more and more people claim, Im wondering how likely this is. My husband is completely shocked they have even offered anything so thinks I should just accept. Does anyone have any opinions or advice? Im just going to look at the templates here in the forum, but just in case there isnt, does anyone know if I do refuse, should I call them or write to them and if so, what should I say? Any advice would be greatly appreciated. Many thanks

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Hi. Well contra to all my concerns and worries, I was pleased to open a letter today from DG Solicitors acting on behalf of FD. They have offered £1014.40. My initial claim to them was for £1503.73 but then after lodging a claim through MoneyClaim, interest and court fees took this up to 2031.77. Now comes the decision.... Do I accept what is basically half of the charges I claimed through Moneyclaim or just take my money and run? Ive read a few peoples threads who say they have refused and then been offered the full amount but as more and more people claim, Im wondering how likely this is. My husband is completely shocked they have even offered anything so thinks I should just accept. Does anyone have any opinions or advice? Im just going to look at the templates here in the forum, but just in case there isnt, does anyone know if I do refuse, should I call them or write to them and if so, what should I say? Any advice would be greatly appreciated. Many thanks

 

No! Do not accept anything less than what you have claimed.

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Guest Mumofthreeboys
No! Do not accept anything less than what you have claimed.

 

Couldn't agree more with you orangebird - JCurry don't do it. Hold out for what is rightfully yours that they took - you will get it all :)

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I cant find a template to use to reject this initial offer. Any ideas what I should say or can it be quite plain and simple saying that I reject this offer as I am seeking to reclaim the full amount including costs etc...?

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Guest Mumofthreeboys
I cant find a template to use to reject this initial offer. Any ideas what I should say or can it be quite plain and simple saying that I reject this offer as I am seeking to reclaim the full amount including costs etc...?

 

Just say, thank you for your letter, I accept your offer of £.......... as an interim payment against the full amount of my claim only, which is £......... plus costs and interest to date.

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Wow! Congratulations!!!!!!!!!!!!!!!!!!1

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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