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    • Just realized that the deadline for paying the £59.00 trial fee has passed on the May 17th. But when contacting the helpline this week, I was told the court hearing date is still on? By now, I have fully realized I have messed up. Should I just drop this case and go after Interparcel?
    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Thank you Dave, Bankfodder and the site team


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It's been a troublesome year and not just for the banks. You guys and gals have had a hard time too, but the forum strength is in the team behind it and for that I wish to say thank you. Many people have joined throughout the year and some very knowledgable people have crossed our paths and given guidance.

 

We don't always agree on everything, life would get boring if we did, but the general debate, information and vehicle 24/7 which has provided such a lifeline - as do all of these forums which have sprung up across the internet, competing, copying even plaigerising, but generally all there for the same reason - to help people are a wonderful asset to the public's general good.

 

So for that and all your contributions throughout the year I thank you all, every last one of you because I can see the benefits people have gained from the community of CAG.

 

Have a Happy New Year

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You have all given me the strength to take control of my debts and make a start at reducing them. You have empowered me to fight the big banks against bank charges. You have all been here 24/7 and offered me help and advice. You have picked me up when I have got stuck or down and you have made me laugh.

CAG and the members that visit this wonderful site make such a huge difference to peoples lives and I thank you all for that.

I hope that everyone can get through Christmas and New Year with family and friends around, the most priceless of all presents.

I wish you all a big thank you and good luck for the new year.

 

Eat and be very merry.

Night Owl

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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agreed

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I had a very significant victory in court last week and I couldn't have done it without CAG and it's members. Alleged debt written off and defaults removed by court order.

 

This site gave me the knowledge and the courage to go into court with the bank and win.

 

From the Peasant family to all

 

A very happy Christmas and happy bank hunting in 2009

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Thankyou you saved my daughters sanity, special thanks to Ell-en

 

xxxxxx

Regards

 

LilyLou

 

 

 

 

 

If I have been helpful please tip my scales

 

Any advice/comments I give are based solely on personal experience, if in doubt please consult an expert.

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Without you guys I doubt if I would still be alive

You gave me the courage and the will to climb that long ladder

Ok - So Im only on the second rung

But I will soon get to the top

 

Love to you all xxx

 

2.gif

 

well i thought you were at least on the third but if you know better then iam sorry. Just remember it may only be the second run but it is more then u were b4 you joined.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I may be priveleged to be on the site team, but I'm also a cagger and would like to echo the sentiments on this thread. Dave and BankFodder started something special when they started CAG, but it's all caggers who continue to keep the CAG spirit going, and everyone is there for each other. So from me, the thanks go to Dave, BF and caggers, one and all.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I absolutely wouldn't be where I am today without the CAG.

That's the Simple fact of the matter.

 

When I found the CAG I was £15K in debt and didn't know any better

than to give in to whoever the debt collector of the day was.

 

These days, I phone the debt collectors and MAKE the threats.

 

Thanks to the knowledge I've gained from here I've learned that

£13,700 of my alleged total debts are completely unenforceable.

 

And just recently I've started doing the charges thing, with Vanquis

rolling over and offering a complete refund after just ONE letter.

 

So, thanks everyone, I'm a strong believer that we are a collective mind

acting as one.

 

Best wishes, and a very happy Christmas to all... :D

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I felt I must add my two-penneth to this, I stumbled onto this site when I was in dire need...I really was at my wits end and was sure that I would end up, homeless, jobless and bankrupt!

 

Six months later, I am self assured and almost welcome contact from DCA's in order to flex my Cagger muscles!

 

The site and specifically, 42man, ODC, Babybear, Godmother and all the others who calmed me down and walked me though the procedures of having SD's set aside etc, have been my constants this last six months..so much so that I now feel confident in giving advice to others as well as dealing with my own finances.

 

Christmas has only been possible this year in the MONX household due to the help and support I've recieved here....so from me and mine, heres to a Merry Christmas and a very happy new year!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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