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    • so you just ignored everything when you got the two court claimforms back in 2017/18? thats your real problem here!!  if you'd responded and correctly defended i bet you'd not have these CCJ's now.   there is not a lot you can do toward these CCJ's that is going to help you by june for a mortgage bar using the money you have to get as big of a deposit as you can, and don't use fleecing mortgage brokers or any IFA either, !! go direct to prime lenders yourself.      
    • Was interesting to hear news reports with EU representatives saying that for most in NI, the protocol simply wasn't an issue and business was great   .. must have slipped through   If the DUP get what they want they will just start whinging and blaming the EU for losing their cake and eat it and being in the same shitty boat as the rest of us...
    • I'd expect your credit file to be updated very soon in that case, mine took between 40-60ish days across all accounts.
    • Mostly by the time people come here for advice they have already been given a PCN and are being chased by a parking company for payment. You are in a different position, if I read your posts correctly, that you are still in time to pay it, and it's only £5. You haven't received a PCN. So although I share your irritation with this if I were you I'd pay the £5 and avoid the hassle.   BTW if a PCN had been issued the rules are different at airports to what they would be in a normal private car park because airports are covered by specific bylaws.. But if you decide to pay it that won't be relevant to you this time.
    • Hello I've been reading many of these posts in order to gain an understanding and how to move forward on my predicament!   Before I start the ball rolling - I want to ensure this is the right course of action for my circumstances - so here is a breakdown of my pained dealings with Erudio:   My loan with (then SLC) Erudio relate to 1994 - 1996.    I've never earned above the threshold and have deferred every year since graduating in 1999.   I've checked my online SLC account - and have 'End of Deferment Pack from December 2005 - December 2013 - then nothing further   My account was terminated by Erudio in October 2019. This was because I was unable to defer by their online Portal - so I emailed them my payslips showing that I did not meet the threshold and that this should be enough in order to defer my repayment   They terminated because they did not receive the deferment form several weeks later   I am currently in the last months of my City & Guilds Qualification; and it wasn't until March this year that Student Finance finally explained why I wasn't eligible for an  Adult Learner Loan. So currently I owe my College £4.5K in tuition fees. My college have been useless and have left me to resolve.   After reading many posts and threads - there maybe a chance I could get the deferment reinstated - and I could reapply for student finance as at this time I have no way to fund my second year.   So:   I will send a SAR to Erudio   Complete the old style Student Loan Deferment Forms for the years 2019, 2020, 2021 retrospectively (Question: would I need to provide evidence I was under the threshold?)   Send these forms to the Student Loan Company, with an official complaint along the lines of:  how they have treated you and that you do not accept your loans are terminated and that should they continue with this unlawful termination and not accept and confirm your deferment, you will be immediately be contacting the FOS without notice to them. also note that the FOS have already reprimanded Erudio several times upon such actions   IS THERE ANYTHING MORE I NEED TO DO?   Of note is on a letter from Erudio, it stated (in February 2022); that my account has been outsourced to a third party. I've yet to receive any correspondence from this third party!!! I've asked this question to Erudio and Still no response.   Thank you so much for the knowledge and guidance,   Ze.          
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Reg Singh V Abbey**** WON ****


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Reg, very well done indeed. Can I just say that I learned a lot about Abbey's tactics and pinched a lot of good ideas and drafts for letters from your thread. So thank you as well as CONGRATUALTIONS. Regards, Mad Nick.

Abbey £8370 settled 17 Apr 07

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Super news Reg and well done, made up for you and the family. Seems putting a bit of pressure on abbey worked. I am still waiting, but got second allocation hearing on Wednesday, so fingers crossed.:D

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Bish goodluck for Wednesday!! I hope it all goes your way!! Seems a long time doesn't it? What held yours up?? I probably read yours and forgotten (I read so much here it all goes into a big merge at times!!)

 

Sure hope yours isn't bad for you!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi Elizabeth1,

 

In short could not attend first allocation hearing as wife had to have operation on same day, abbey thought they would take advantage of the situation and requested a 28 day stay to enter into settlement talks. As you can imagine this was just a tactic to put pressure on me to settle for 75%, wrong ! . Will be prepared for them on wednesday, and will be in no mood for their delaying tactics, if they even bother turning up. I have all the correspondence that they used to try and settle the claim, nothing !.

 

Why would mine be bad for me ?.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Hi Reg

CONGRATULATIONS and a job WELL DONE

When you claimed interest did you just claim 8% or did you claim the unauthorised interest rate that Abbey imposed on you, Also as you claim was over £5K did get accepted as small claims track or was it Fast Track.

I am just about to get my claws into them.

Thanks

DS

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Hi Elizabeth1,

 

In short could not attend first allocation hearing as wife had to have operation on same day, abbey thought they would take advantage of the situation and requested a 28 day stay to enter into settlement talks. As you can imagine this was just a tactic to put pressure on me to settle for 75%, wrong ! . Will be prepared for them on wednesday, and will be in no mood for their delaying tactics, if they even bother turning up. I have all the correspondence that they used to try and settle the claim, nothing !.

 

Why would mine be bad for me ?.

 

Regards bish.

Hiya Bish - I hope your wife has recovered and is well now!!

 

Abbey will try odd tactics to stall - Bish go get them!! They have messed about enough - goodluck !!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Thanks Elizabeth1, hijaked Reg Singhs post a bit, but don't suppose he will mind. Wife is recovering from her third operation in the last 18 months, she has a terminal illness, not cancer, but just as bad. It takes many years to eat away at her and she will never recover, only try to get some form of normality in her life. Just hold out hope for a cure. Most people see cancer as the big killer which it is, but generaly quick. Many terminal illnesses are long term and cause terrible suffering over many years, makes you wonder which is worse. Obviously puts pressure on the family and abbey has not helped, made matters so much worse. Do not need the added pressure of trying to claim back money that should never have been taken in the first place. The one positive thing about this is that you do become fighters that will not give up. So bring it on abbey, I have nothing to be ashamed about. I will get our money back.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Thanks Elizabeth1, hijaked Reg Singhs post a bit, but don't suppose he will mind. Wife is recovering from her third operation in the last 18 months, she has a terminal illness, not cancer, but just as bad. It takes many years to eat away at her and she will never recover, only try to get some form of normality in her life. Just hold out hope for a cure. Most people see cancer as the big killer which it is, but generaly quick. Many terminal illnesses are long term and cause terrible suffering over many years, makes you wonder which is worse. Obviously puts pressure on the family and abbey has not helped, made matters so much worse. Do not need the added pressure of trying to claim back money that should never have been taken in the first place. The one positive thing about this is that you do become fighters that will not give up. So bring it on abbey, I have nothing to be ashamed about. I will get our money back.

 

Regards bish.

 

Bish I realy wish you luck and am so sorry to hear of your other troubles!! These Banks really are nasty thay don't see the "individuals" they are faceless companies who have taken liberties in failing to recognise each of us as people with "rights" with individual circumstances!!

 

I can't wait for the day that somehow the line is drawn under all of this and the Banks are forced to do the right thing and patback this money to people - and hopefully thats what each of us are working towards!! This was our money and the banks had no rights to take it and even more to the point they have no rights now to retain people monies!! They ought to hand it back to people.

 

I always think and worry of those who don't have our knowledge and will to fight these big Banks etc.. like pensioners who might go a "little" over drawn on occassions - they'd get some "whopping big fee" taken out of a pension? they'd never know to use CAG, the internet or have the cheek to ask for their money back - lots of people won't - cause we are made to feel so humiliated by these big banks!!

 

Before coming here I'd never have questioned a bank - like lots of others - but the more I read the more annoyed I feel with these banks and am filled with determination that I shall get our money back and help others do the same!!

 

Bish you will win - and so will many others - I just think it's high time the Banks admit they've been caught out and they should pay back people with no arguments - let alone making lots go through courts to get their money back - the pressure is huge on many having to to court for what is theirs anyway - the banks should be ashamed of themselves for such nasty workmanship!! (gee she is on a soapbox tonight?? - better go make some coffee?)

Take care Bish - can't wait to hear you won!! (Reg is a good sort he won't mind us hijacking his thread - he knows we are delighted for him!!)

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi,all

Hey,bish No Worries About The Above, We All Wish You The Best For Wednesday And Thankyou For The Support You Showed On This Site,our Most Humbles Thanks Goes To Kernevil For Being So Helpfull And The Rest Of The Members.can Someone Change My Thread To Won Please.

If I Am Allowed And Permitted I Shall Still Be Around The Site And Try To Help Which Ever Way I Can To My Abilities To My Experiece .

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Thanks all and a big best wishes to Reg, and stick around Reg. I intend to as lots of people out there need our help. Like Victoria said there are lots of people out there that do not have access to the internet, so do not have the power we have. It is our duty to help those less fortunate than us, and I will be, hope everyone else will to.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Hi,all

Hey,bish No Worries About The Above, We All Wish You The Best For Wednesday And Thankyou For The Support You Showed On This Site,our Most Humbles Thanks Goes To Kernevil For Being So Helpfull And The Rest Of The Members.can Someone Change My Thread To Won Please.

If I Am Allowed And Permitted I Shall Still Be Around The Site And Try To Help Which Ever Way I Can To My Abilities To My Experiece .

 

 

Hey Reg I am glad you are sticking around !!! Our experiences will help many people who read here and it will help others to successfully reclaim their money etc.. It's a huge learning curve for us all in learning how to deal with various companies etc.. and every little bit of information will help others.

The best part of being here is seeing people win back what was theirs!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi Reg and everyone else on this thread.

My congratulations and best wishes go to you and your family. I'm fairly new to this site and am fighting Shabbey on behalf of my son. When I get more time later today I'm going to read your thread it sounds as though you had some good tactics and advice.

WELL DONE again ..

Brenda

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  • 2 weeks later...

Hi, All

Todate I Have Not Recieved Any Funds From Shabbey And My Court Date Is Today At 14:00 Hrs ,e-mail And Phoned But No Result However I Informed The Court For Non Complying To Judge Direction The Court Has Asked Me To Attend The Hearing And It Will Be Dealt With. Looks Like Judgjment Against Shabbey .will Let U All Know The Outcome As Soon As Possible.

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Hi, All

Todate I Have Not Recieved Any Funds From Shabbey And My Court Date Is Today At 14:00 Hrs ,e-mail And Phoned But No Result However I Informed The Court For Non Complying To Judge Direction The Court Has Asked Me To Attend The Hearing And It Will Be Dealt With. Looks Like Judgjment Against Shabbey .will Let U All Know The Outcome As Soon As Possible.

 

I thought they had settled with you or is this another claim!

I wish all the best for to day in Court, perhaps they will turn up and agree to pay you on the spot!!!

Let us all know how you get on.

Regards

DS

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Hi. All

Before Leaving For Court I Have Recieved Copy Of Cheque By Fax As Well Been To Court Same Item Was Faxed To Court So The Judge Adjourned The Case For 1 Mth Hoping To Recieve The Cheque By Day Or Two . Well Any Offer Dont Mean Its Over Till You Recieve The Funds.

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Hi. All

Before Leaving For Court I Have Recieved Copy Of Cheque By Fax As Well Been To Court Same Item Was Faxed To Court So The Judge Adjourned The Case For 1 Mth Hoping To Recieve The Cheque By Day Or Two . Well Any Offer Dont Mean Its Over Till You Recieve The Funds.

 

 

GOOD FOR YOU REG!! HOPE YOU GET YOUR MONEY SOON - enjopy it and don't call your case off till you have everything you claimed etc.. - I hope you charged them for your bundle too!!

 

Hope you get your cheque soon!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi, Southerner

Yahoooooooooo........ Recieved My Cheque This Morning And Off I Went To Deposit.it Was A Long Wait Since There Offer But Its A Shame I Still Had To Attend The Court Yesterday . Well I Can Now Officially Say I Won Full Claim With Costs And The Money In The Bankkkkkkkkkkkkkkk.

Good Luck For Yours And The Rest.

donation Will Follow Within Days,

And For The Rest the Show Must Go On

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Hi, Southerner

Yahoooooooooo........ Recieved My Cheque This Morning And Off I Went To Deposit.it Was A Long Wait Since There Offer But Its A Shame I Still Had To Attend The Court Yesterday . Well I Can Now Officially Say I Won Full Claim With Costs And The Money In The Bankkkkkkkkkkkkkkk.

Good Luck For Yours And The Rest.

donation Will Follow Within Days,

And For The Rest the Show Must Go On

 

 

Congrartulations Reg!!!!! So glad you finally got there!!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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