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    • What is the name of the window cleaning business? Have you taken photographs of the dirty windows et cetera?
    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

bartymuv vs abbysmal


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ok, 1st letter formulated and about to be posted! looking forward to the next couple of months. just need to sit back now and read all the posts from others, and try and learn not to panic when confronted with a non-conforming response, but to seek help from this excellent forum. bartymuv.

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Well done and good attitude.;)

 

Help if you need it is here.

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

i have recieved what i presume is the 'standard' response from my 1st letter dated 4th august. (they recieved 7th august).

 

they are going to use my £10 to supply details of transactions held on microfiche that i need.

 

the letter goes on to explain what they consider 'manual intervention' means!

 

so, i guess i sit back now and wait again. if theres something else i should do, like respond to this letter, please could someone advise me.

thankyou, bartymuv.

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No this is good news......especially since there is no mention of their infamous cant supply microfiche comments.

 

How far back are you claiming ?

 

Your response you should be to wait for this to come.

In the meantime have a look at your next move after the info lands the prelim letter (see link below bottom of post )

 

 

Also a good idea to have a look in the Abbey threads and see where they are up to.

In a couple of weeks you will be there too .......after current claims have all been done and dusted !

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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thanks martin, their letter told me i can only go back 6 years! 'quote' we can however supply details of the transactions held on the microfiche on payment of an admin fee of £10 for multiple monthly statements per account that have been archived. i was with a bank swallowed up by abbey called 'national & provincial' which is some years ago! guess 6 years will have to suffice.

back to the archives, thanks again, bartymuv.

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ok, today i recieved 14 individual letters containing monthly statements!

they run from may 2005, through to july 2006.

 

can i assume that the microfiche statements will be posted the same way? (my postman wont be very happy!)

i read that they can arrive in a plain brown envelope!

(postage must be costing them a few bob!) i believe i now wait till the 30th day before sending them a reminder (assuming i havent received the remaining statements).

 

cheers,

 

bartymuv.

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When you received the first letter, saying about the fiche, did you send the follow up dpa letter?

 

Basically the first letter is refusing your dpa request and you need to send the fiche letter i think its in a sticky on the abbey forum.

 

HTH

 

Glenn

 

PS they sent me some statements on one of my accounts 14 months worth and several years worth for the other account. no obvious reason why one is different to the other.

 

still wating on the other account.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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hi glen, no, i didnt!

 

thats a good start isnt it! should i wait till 30 days have passed and then send them a reminder including the data protection act? im not too concerned about time limits, and i daresay they'll use this as an excuse to delay the rest of my statements.

 

oh, btw, i received one more statement this morning, making

15 letters (statements) in all.

 

thanks for your help,

 

cheers,

 

barty.

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I think you have tweo choices, sit and wiat for the statements, they may send them anyway without the SAR.

 

On the othe rhand if they dont you will not really have the evidence to support the claim should it go to court. Or at least they will argue they sent you what they had to and you didnt insist they send anything else.

 

Its your call. im not sure if people have been getting statements requested informally in this way or not.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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  • 4 months later...

its been a long time since i last posted!

 

to be honest, i really didnt think it was worth pushing the 'abbysmal' for the small amount that i had calculated they owed me. but, i had let all my colleagues at work know about this site, and some of them have taken on their banks, often involving considerably more than myself.

 

so, they keep asking me how im progressing?

 

today i decided to continue with my claim, and have produced the 'request for payment' letter and included copies of the relevant bank charges dates etc.

 

tommorrow i shall send this by recorded delivery.

 

i'll give them their 14 days to respond, then send them my final demand before the LBA.

 

i only have 1 question, and that is the address that i should send it to. i have used the head office address in regents place NW1 3AN. is this ok?

 

heres hoping for a prosperous new year for everyone involved with this site.

 

barty.

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Yeah, London address is fine - that's where it all eventually goes anyway I think in the legal team. I used Milton Keynes initially but it's probably best to serve Head office. Give them 14 days - who know you may get a GOGW before the court stage.

 

Good luck!

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thanks for that,

 

something else thats been putting me off from chasing the abbey is the fact that i have an overdraft facility with them.

this is 3 times as much as they owe me, although i haven't reached my limit, (pretty close to it)! has anyone known the banks to call in the debt once youv'e started the ball rolling so to speak?

 

it wont put me off from chasing them, just need to be prepared if it is a possibility.

i have a parachute account so thats not a problem.

 

thanks,

 

barty.

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thanks karnevil,

i'll await their response when they receive my 'request for payment' letter posted today (recorded delivery).

must say the labels that i purchased looked quite impressive attached to the letter!

 

wonder if it will influence their decision? lol.

 

barty.

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  • 3 weeks later...

have received a letter (dated 19th jan.) on wednesday (24th jan) offering me £100 as a goodwill gesture.

 

i have 8 weeks in which to respond! they also enclosed the customary complaints leaflet and tarrif charges.

the author was a guy named gordon mccoy, senior customer resolution manager.

 

the amount is about a third of what im claiming, so why they couldnt go the whole hog i cant understand!

 

anyway, im a bit confused now as to which template i should use to respond. also should i continue to use 'recorded delivery'?

 

cheers,

 

barty.

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abbey,

 

have actually reimbursed £110!

 

so, do i quote thier letter with the £100, or do i state the actual reimbursment?

 

i dont think it will really make much difference, but just to be sure.

 

barty.

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