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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Sarah V Abbey *** WON ***


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was a long while ago and i have done several more claims since then but i think i called them and they said 9.9%- think others have also used that rate

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 3 weeks later...

rang the court and was advised to put the progress in a letter to send to court as the new hearing date is 23rd April: The letter doesnt sound very legal but will it be acceptable- help appreciated

---------------------------------------------------------------------

Sarah V Abbey National Claim no 6NR04162

This claim was adjourned whilst Christine Cody at Abbey negotiated with me to settle out of court. We reached an agreement (letter attached) of £4500. £2966.45 was retained by them to repay the amount owed to abbey and a cheque was sent to me for £1533.55. This cheque was made payable to my father as Abbey had closed my account and I had no other at that time.

 

However I am still being chased by Abbeys debt collection agencies Moorcroft Debt Recovery Ltd and Midas Legal Services (letters attached) who say the debt is still outstanding and will be instructing their solicitors to commence legal proceedings against me. I tried to contact Christine Cody but received this automated reply

 

am no longer working for Abbey National PLC and I would suggest that any emails sent to this inbox be resent to [email protected]

If you need to speak to someone urgently, please email [email protected] or [email protected], or call James on 02077564306.

 

I have emailed many times with no reply, called countless times but have not been able to speak to anyone except voicemail of which my message is never returned. Also wrote a letter to which I received no reply.

 

I would like abbey to inform their debt collectors that this debt has been settled and I would like confirmation of this. I would like the default placed on the various credit registers removed as this is a result of the banks charges.

--------------------------------------------------------------

will it do?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi,sarah

Please Get In Touch With Abbey Debth Recovery Department By Tel. Abbey Coustomer Service And Ask Them To Clearify That If They Have Recieved The Outstanding B/l From Bank Charges Department As The Are The People Who Are Suppose To Pass The B/l To D/c And Also Fax Moorcroft The Copy Of The Statement Of Settlements Schdule You Recieved From Shabbey As A Full Settlement Figure. As My Self Shabbey Deducted The Sum Outstanding Of My Debth With Weascot From My Settlement Amount I Then Did The Above Yesterday. Hope This Help.

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thanks for the reply- think i will go ahead and send the letter as there is still the matter of the default being removed.

 

Will update as i have info

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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thanks for the reply- think i will go ahead and send the letter as there is still the matter of the default being removed.

 

Will update as i have info

 

Sarah,

Did you have Removal of Default as part of you claim to court? (sorry, not read your whole thread:) )

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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yes i did

Ok.

In the Settlement Letter from Christine, and in any subsequent letters of settlement from James, is the Removal of Default mentioned as part of your settlement?

 

If it is, great...

 

If not, have you signed an acceptance of settlement offer letter, and if you have, did it have the Default Removal on it?

 

....

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Ok.

In the Settlement Letter from Christine, and in any subsequent letters of settlement from James, is the Removal of Default mentioned as part of your settlement?

 

If it is, great...

 

If not, have you signed an acceptance of settlement offer letter, and if you have, did it have the Default Removal on it?

 

....

 

no reference on letter from christine of default - sent one back signed and ammended to include default. no contact whatever from james.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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waiting with baited breath for your next post as moorcroft collection agency have again been hassling me- i just dont need it. will call abbey debt number tomorrow but just know that they wont be able to remove the default- theres always a reason with them. thanks everyone whos helped me- where would i be....!!!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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waiting with baited breath for your next post as moorcroft collection agency have again been hassling me- i just dont need it. will call abbey debt number tomorrow but just know that they wont be able to remove the default- theres always a reason with them. thanks everyone whos helped me- where would i be....!!!

 

Sarah,

Don`t give up on having the default removed, they can remove them:o

 

Last week I was just checking online and found that my Default from Abbey had been removed, and they hadn`t even told me.

 

Check online at Experien daily as you may be suprised to see it just disapear like mine did.

 

As for the problems with the DCA, I would phone James and tell him that unless you get confirmation in writting from him by the end of the day you will be returning to court as your claim was for Refund etc plus Default Removal and therefore as they have not taken the action that Christine had agreed too on their behalf, you will be asking the judge to set a new court date for a full hearing.

 

Tell James that the CRA harrassing you is causing you Stress, and that if it is not resolved immediately you will also be seeking compensation for the stress that their inability to deal with the issue has caused you.

James may say that a Court would not award you compensation, and they may not, but Abbey will!

 

You have the upper hand with this, they are in the wrong and need to sort it out to Your satisfaction.

James is a good understanding guy, and aslong as you explain in detail to him the stress that is being caused, he will get it sorted for you.

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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thanks ever so much- will follow that advice tomorrow and will update as soon as i have. Thanks again:)

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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registered with experien just waiting to receive pin thru post- then will check thru it.

Called james but as usual got voicemail, have lost count of how many messages i have left that have not been returned but left another anyway asking him to call me desperatly please!

 

will try again tomoorw if i've still not heard then will have to send the letter to the court as the hearing is already booked 23/apr.

watch this space

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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James will not return my calls or emails- he is rude! been online with experien- abbey debt on there is marked as settled but still shows as an 8 - this means it hasnt been removed at all. Have to go to the court today to pay my admin order so will take the letter (below) in person. will update when i have news:sad:

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 2 weeks later...

no news (but thought i'd post anyway!) since i took the letter to court. back to waiting .....

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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no news (but thought i'd post anyway!) since i took the letter to court. back to waiting .....

 

Sarah,

What did you put in the letter?

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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it went something like this :

 

Sarah V Abbey National Claim no 6NR04162

This claim was adjourned whilst Christine Cody at Abbey negotiated with me to settle out of court. We reached an agreement (letter attached) of £4500. £2966.45 was retained by them to repay the amount owed to abbey and a cheque was sent to me for £1533.55. This cheque was made payable to my father as Abbey had closed my account and I had no other at that time.

 

However I am still being chased by Abbeys debt collection agencies Moorcroft Debt Recovery Ltd and Midas Legal Services (letters attached) who say the debt is still outstanding and will be instructing their solicitors to commence legal proceedings against me. I tried to contact Christine Cody but received this automated reply

 

am no longer working for Abbey National PLC and I would suggest that any emails sent to this inbox be resent to [email protected]

If you need to speak to someone urgently, please email [email protected] or [email protected], or call James on 02077564306.

 

I have emailed many times with no reply, called countless times but have not been able to speak to anyone except voicemail of which my message is never returned. Also wrote a letter to which I received no reply.

 

I would like abbey to inform their debt collectors that this debt has been settled and I would like confirmation of this. I would like the default placed on the various credit registers removed as this is a result of the banks charges.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi Sarah, Congratulations with your win against Abbey. I am sure there is a letter in the template liabrary you can send to Abbey.Moorcroft about the harrassment. You should send it by recorded delivery, and to moorcroft send them also a copy of the letter from Abbey, showing that they should of by now settled the claim with them. I am sure they are breaking the banking code by pursueing you for payment which they already have already settled. I am not an expert on this but I am sure that I have read about this on other threads.

Regards

DS

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thanks for your help but i also want to the default removed from experien etc. if abbey would talk to me maybe we could get this resolved but as they wont- court seems to be the language they understand 24th april i think!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Sarah,

Sorry if I`m going over old ground here, but -

 

Is your court date in April a hearing to discuss Default Removal?

ie; does your POC contain as one of the requirements in your claim The Removal of Default Notices registered at All Credit Reference Agencies.

 

Or, are you relying on your ammended letter of settlement returned to Abbey with the default removal requested on it, and if so, did you keep a copy of the ammended aceptance?

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Sarah,

Sorry if I`m going over old ground here, but -

 

Is your court date in April a hearing to discuss Default Removal?

ie; does your POC contain as one of the requirements in your claim The Removal of Default Notices registered at All Credit Reference Agencies.

 

Or, are you relying on your ammended letter of settlement returned to Abbey with the default removal requested on it, and if so, did you keep a copy of the ammended aceptance?

 

my hearing is the date of the original hearing which was adjourned whilst they negiotated with me.

Removal of default is on my orginal poc and mentioned in the letter i sent last week.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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my hearing is the date of the original hearing which was adjourned whilst they negiotated with me.

Removal of default is on my orginal poc and mentioned in the letter i sent last week.

 

Excellent, that clears that up.

 

I would continue to try and get in contact with James Arrandale, don`t bother leaving voicemails for him if you don`t get through, as firstly, he never responds to voicemails, and secondly, it may come across as a bit desperate and that your scared to go to court etc.

When you do eventually get through to him he will sort out the settlement for you and get the default removed, its just that he is Snowed Under at the moment with so many court actions being taken out against Abbey (Can`t for the life of me think why:D )

 

Stick with it, you`ll get there in the end, and don`t forget to mention the `Stress` of being chased by the DCA when you get through to him, tell him if he does`nt get it dealt with as a matter of urgency you will submit an ammended POC to the court for compensation (they paid me £5k compensation out of court, they know the courts will pay it out if it ever got that far)

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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thanks so much for your advice- i will keep trying him. Compensation would be excellent! i'll keep you posted.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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