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    • 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] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Cancelled DD on a Natwest loan, they re-instated the DD!!


Tigstheterror
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Hi folks just Tigers hubby here with a quickie question, took out an unsecured Natwest loan in 2007, due to increased financial problems tried to reason with Natwest on several occassions about reducing loan payments all to no avail. Went in last month and cancelled the DD for the loan on Advantage Gold account,also have a cash ISA account with them,a joint First Reserve account which my wife uses only. Now question is i cca'd them and have had no response, instead they have re-instated the DD on the loan and i am left with nothing to live on for 2 weeks until next pay day!! Can they do this? could they also go to my other accounts for the money if i were to close down the Advantage Gold account as i have already said, it's my wife only who uses the First Reserve, none of my money goes into that.

They haven't dealt with the loan account correctly anyway and i have been asking for help with it for over 6 months as i increasingly could not afford the re payments any longer,i am just worried that they will now go to any of the other accounts and empty them even though theres little in them!!!

Any advice would be appreciated as to what to do, many thanks

Mo

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Hi Tigs.

 

The simple answer is YES, it's in their T&C's and is called 'Set off'

 

You need to open another account that has nothing to do with Natwest (It's hard now)

 

They can (and will ) as you have found out, RAPE any account to service another account held by the bank.

 

Jogs

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Right ok cheers for the response!! i think i will have to close all accounts and take my money out, btw, can i remove my name from the joint account and leave the wifes name on ? would they touch her money as it's her incapacity money that goes into this nothing else?

many thanks

Mo

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Hi folks just Tigers hubby here with a quickie question, took out an unsecured Natwest loan in 2007, due to increased financial problems tried to reason with Natwest on several occassions about reducing loan payments all to no avail. Went in last month and cancelled the DD for the loan on Advantage Gold account,also have a cash ISA account with them,a joint First Reserve account which my wife uses only.

If you don't use the benefits of the Advantage Gold account then get rid of it and downgrade the account to a Current Plus(that will save you £12.95 a month).

 

 

Now question is i cca'd them and have had no response, instead they have re-instated the DD on the loan and i am left with nothing to live on for 2 weeks until next pay day!! Can they do this?

Yep

 

 

could they also go to my other accounts for the money if i were to close down the Advantage Gold account as i have already said, it's my wife only who uses the First Reserve, none of my money goes into that.

If the loan is in joint names then only the CASH ISA is not allowed to have money taken from it to off set the loan account.

 

They haven't dealt with the loan account correctly anyway and i have been asking for help with it for over 6 months as i increasingly could not afford the re payments any longer,i am just worried that they will now go to any of the other accounts and empty them even though theres little in them!!!

Technically yes but that would be if the accounts end up with Credit Management Services.

 

Any advice would be appreciated as to what to do, many thanks

Mo

Hope that helps.

.

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

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Hi loan isn't in joint names and was taken out before we were married,we married this year! So if i could remove my name from the joint account would that leave her money safe each fortnight?

Also i have rung around a few banks today and because i had my house re-possessed last year they won't even let me have a basic account to have my wages paid into!!!!! is this correct because i was informed by an ex bank employee that even a banckrupt has the right to a basic account!!

Many thanks for any info

Mo.

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Hi loan isn't in joint names and was taken out before we were married,we married this year! So if i could remove my name from the joint account would that leave her money safe each fortnight?

Also i have rung around a few banks today and because i had my house re-possessed last year they won't even let me have a basic account to have my wages paid into!!!!! is this correct because i was informed by an ex bank employee that even a banckrupt has the right to a basic account!!

Many thanks for any info

Mo.

 

I've been looking into this. The only one I can see for an undischarged bankrupt is with the co-op...think it's called a cashminder.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Thanks for the reply, i only have one CCJ against me so i am unsure as to why i am being refused!!!

However, could i remove my name from the first reserve that the mrs is on,and btw it's her maiden name, this is going to sound confusing, because her married and maiden names are the same, and i swear we weren't related before we married!!!( we both had same surname) so technically the bank doesn't know were married, if you get me? that way her money remains safe, thus could i then get wages paid into that and draw on her card? gawd, i'm confusing meself now!! lol but hope you get my drift? or would the bank catch on and arrest that account too? even though it would be in her name?

Many thanks

Mo

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Thanks for the reply, i only have one CCJ against me so i am unsure as to why i am being refused!!!

However, could i remove my name from the first reserve that the mrs is on,and btw it's her maiden name, this is going to sound confusing, because her married and maiden names are the same, and i swear we weren't related before we married!!!( we both had same surname) so technically the bank doesn't know were married, if you get me?

You need a form which is "Remove a party from a personal account" both of you need to sign it and it should be complete within 5 working days of handing the form in.

 

that way her money remains safe, thus could i then get wages paid into that and draw on her card? gawd, i'm confusing meself now!! lol but hope you get my drift? or would the bank catch on and arrest that account too? even though it would be in her name?

Many thanks

Mo

The answer is yes to your question cos I do get your drift.

.

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

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LLMAO he's had a rough day of it, thankyou for all of your help, much appreciated and at least we can start now on the battle with them as concerns the loan,many thanks for putting his and my mind at rest a little

Tigs x

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