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    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • This is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
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Sarah V Abbey *** WON ***


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Sarah

 

Without going back all through your thread, sorry I'm a lazy git at heart, did you specify you were estimating a claim and say you would amend it when data was available?

 

Its a bit late to amend the amount, although in truth you should at least offer especially if the value is less than you put on your claim form.

 

If its more then you can ask the defence if they object to the amendment and I'm sure they wont, no honestly there is no benefit in them refusing since this will add to their costs so its in their interest that the claim value is correct.

 

Or you can hold on to the new info and submit a second claim when this ones finished.

 

JMHO

 

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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my final amount is nearly double the value i put on the claim form.

The brief details of my claim read 'Order under section 7 and 15 (2) of the DPa 1998 (missing data july 2001 - Aug 04) also claim for charges applied to the account between 24th May 2004 - 24th Aug 2006.

 

i now have the missing data mentioned above. as this is mentioned on my claim should be ok to enclude it... do you think? i dont want to have to start a second claim if this can be avoided.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi Sarah13,

 

I think you need to amend your claim to take into account the new amount. As you refer to this in your original claim it should not be a problem. I am not sure of the form you need, so hopefuly someone that does know will reply. Failing that ring the court and explain and I am sure they will put you right. I also think there is a charge of £35 for this. Best wishes.

 

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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Since its mentioned in your orignal POC i would write to the defendant telling them you now have the dat and ask if you can amend the claim by consent.

 

No 35 to pay then i believe

 

HTH

 

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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thanks for all the advice glen and bish.

 

glen, i shall write to them as you advise above, however as my hearing date is 15th Dec and i have to send the court bundle by 2nd dec, what schedule of charges should i include? ammended or unammended? shall i send the ammended one with a copy of the letter i send to abbey? its all rather last notice but i have only recently received the missing ststaemnts. thanks again

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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i am finally in negiotation with abbey, about time as my court hearing is 15th dec. My orginal claim was for non complience of Data Protection Act for missing data and known charges. I have just been provided with these missing statements and want to incorporate the extra charges into my claim. so i have contacted them- hence the dialogue we are now in. the woman at abbey has asked me to provide the schedules as she is without the files! good start i thought.

 

my problem is with my schedules- they were the first claim i prepared a schedule for and i think i've done it wrong. i have gone for contractual interest and also added the 8% for the final figure. i am certain its wrong now. i think i can only use one interest rate not both- can you clarify for me. the paperwork is starting to get me down. i have too many claims on the go! any help very greatly received.

Thanks Sarah

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Sarah

 

Don't worry you'll be fine, by asking the question you have shown you have learnt a lot and are on top of things

 

you can claim

 

your charges

interest paid on those charges

and as you rightly suggest contractual or sec 69 interest on the whole lot.

 

HTH

 

Glenn

 

PS good luck

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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Share on other sites

thanks glen for your good luck wishes- i feel i am goi ng to need it!!! EMailed Christine with my schedules awaiting her call tomorrow. i'll keep u posted

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Fortune favours the brave not the lucky.

 

Be brave

 

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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Share on other sites

ok just rang the court and they are going to send me N244- they said if abbey give permission to ammend the value and poc then it will cost £35 or if they refuse £65. My deadline to get bundle in is actually tues 5th dec so i have a little bit more time than i thought. will drive the bundle up to court on tuesday if necessary. back to waiting......

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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still not heard from christine even tho promised a call back thurs/ fri so have called again and left message

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi Sarah13,

 

I have been dealing with Christine as well and she told me that she was going on holiday from Monday. I am assuming that it is the same Christine from headquarters in London.

Do not assume your claim is incorrect. I was given the same treatment by Christine and found that although the claim had changed due to GOGW, and charges that went back further than 6 years due to the delays applied by abbey. I have revised my schedule of charges and sent it to abbey today. The schedule of charges will change anyway as 8% will be added daily from the point you issue your claim, until it is settled. Hope this helps, just go back over the spreadsheet and look at any points she raised, they may not be what they seem. Remember they have already took this money unlawfuly, are they trying the same trick.

 

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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YES

court bundle is completed at last. Totals 100 pages. Bored of writing pages numbers etc. Heading to court as soon as i pick up my eldest from school. Here i come!!!:)

 

also received and will be taking N244

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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after school and all the photocopying, arrived at court at 4.10. The office had closed at 4 and the security guard said they couldnt take my bundle. I was livid and rooted to the spot until the man on switchboard called small claims and someone came and took my bundle. He only took one of the copies even tho i have 3- should i send one to the defendant? will be costly in postage? any ideas?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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SETTLED!

Spoke with christine a few times today and eventually we agreed on an acceptable settlement figure. She has sent me an email confirming the details, which i am to sign and send back. i said that i will not cancel the claim with the court until i have received the money and that i cannot accept a cheque (cos the account is frozen) so she is going to make arrangements for the money to be available for me to withdraw at branch. She will confirm this tomorrow.

 

I am so pleased, altho i wont be cracking the champers until the moneys in my hand. It has been a very very long road but it just goes to prove that if you are prepared to go the whole way you will get a result in the end. Will update as soon as i can. Thanks for everyones help, couldn't have done it without you. x

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I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Sarah

 

Well done and congratualtions.

 

Glenn

 

 

PS sorry i wasnt the first!

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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Share on other sites

opened negiotations again as arrangements will not be made for me to collect in branch- only a cheque which i cant take so they want me to ask a friend or something to get it paid into their account and they will write the cheque to them. I find it unbelievable and i told christine too, that a BANK cant send money to a branch for collection - isnt money what they do???

 

Therefore i have changed what i will settle for and have incorporated the inconvienance of having to get someone else to cash the cheque- what a nightmare!

 

If i dont get a favourable reply tomorrow then i shall sort childcare out to attend court on monday. Half of me really wants to go court and i've done all the preparation. Watch this space, will update as soon as i have news.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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