Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Good morning all,   I have an update for you all, shortly after my first hearing i was told i would need to have a rehearing with another company, Obviously i agreed but after the initial grievance hearing the person then asked me to enter into a private conversation, I have received the settlement offer and are disgusted as its not even half of my monthly  salary, I'm not sure what to do at this stage as i dont have the funds to finance a solicitor,so any advice would be appreciated.  
    • Sorry, but what does this mean?   Who are ARC? It would be helpful if you could be a little bit more clear about what happened. I don't understand why you are not simply proceeding against Amazon – because it is clearly their responsibility as it was their driver or courier company
    • I understand that you were involved in a contentious divorce in respect of which there was a bill for court costs – £850. You decided to challenge the costs in court and you lost and an order was made against you. We decided to appeal the order but before the appeal was heard, the solicitors made you a without prejudice offer of a 50-50 split – £425. You agree to this and you signed the document to that effect which you returned to the solicitors. Despite that the solicitors are now trying to impose the original £850 order. Is that the correct order of events? "Without prejudice" is certainly something that doesn't seem to be very well understood, including by solicitors. "Without prejudice" can protect an offer from being disclosed to the court where the offer has been refused so that it is not binding on anyone. However, without prejudice cannot be used to hide everything from the court – including wrongdoings, unethical behaviour et cetera. It seems to me that once you sign the agreement you effectively had a contract. I'd like to know a little bit more about the agreement that you signed but presumably it was intended to bring a halt to any further proceedings. I don't think there is any difficulty about disclosing a contract to the court in the circumstances. It is only the offer which was made without prejudice. Once the agreement was accepted and signed then the document acquired a wholly different character. It was no longer an offer open to be accepted or refused. It was a legally binding contract which imposed obligations upon both sides. In my view the solicitors have acted in a highly unethical way and I would begin by making a complaint to the SRA. I wonder whether the solicitors proposed the 50-50 split to you without consulting with their client and when they then contacted their client and told her what had been agreed, she refused to accept it and on that basis the solicitors recognised that they had made an error but rather than accept their responsibility and footing the £425 out of their own pockets, they preferred to get it from you. Of course this is just speculation but it seems to me to be quite a possible scenario. I'd like to see the agreement post up here please – that my sense is that you should complain to the SRA and you should tell the solicitors that this is what you're doing.
    • What's the default date? It should be on your Credit File
    • i point you to two threads whereby you'll see an explanation by andy (post 22 here) https://www.consumeractiongroup.co.uk/topic/410486-lowell-interim-charging-order-from-credit-card-debt-2009/?tab=comments#comment-4912902   and   https://www.consumeractiongroup.co.uk/topic/406428-remortgage-issue/   if yours says:    written notice of the disposition was given to XX Council ( - disposition = sold vis: disposed of) ..... notice means letter telling them it's been sold -    doesn't say it must be paid or settled BEFORE disposition..   that's the way i read it.          
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
stereophonicsfan

Default notice advice opinions please

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4003 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all

 

I have a default notice where i have several reasons for it being invalid, some of which are:

 

There are NO dates, details or ANYTHING ELSE which relate to my loan. It has no details about me whatsoever.

 

It was attached to a letter from the lender with some details, but only the outstanding loan amount not the arrears amount.

 

It has 14 days from the default notice, not date of service.

 

The date on the letter was 21/03/07.

 

Received a letter from them dated 04/04/07 part of which says 'We have been approached by the debt management company (which was the CAB) you have enlisted to help with your financial affairs with an offer of repayment. This offer has been accepted subject to regular reviews, however the payments are insufficient for us to keep the account open.'

 

This, together with the fact that they give the full remaining balance, not the amount of the arrears, makes me believe that I had been given a letter of termination. Am I right? I believe I only owe the arrears not the full amount due to unlawful cessation of contract.

 

I am not taking this to court but it is being looked at by the Ombudsman service. Would I get the same result as with court?

 

Also, does the fact that the default notice has no details about me or my loan at all mean that the bank could deny that it is their default notice at all? I have CCA'd and Subject Access Request'd the bank but only in the last few days, obviously no replies yet.

 

Would appreciate some opinions. Don't have a scanner to post up and tried to upload via photobucket but unreadable .

Edited by stereophonicsfan

Share this post


Link to post
Share on other sites

Does is state that it is a Default Notice as a heading? It may be a Statement of Default which they are obliged to give you before they actually send you a Defaulot Notice. If it has none of your details on it then it is not a lawful DN.

Share this post


Link to post
Share on other sites

It has underlined at the top of the page

 

DEFAULT NOTICE

 

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

Share this post


Link to post
Share on other sites

Well that is a non-starter from the off. It must state that it is a Notice of Default served under Section 87 (1) of the Consumer Credit Act 1974. The have sent you an unlawful DN. If they have also terminated the account, it's your lucky day.

Share this post


Link to post
Share on other sites

It does actually say that under the heading but nothing about me or the debt at all.

 

DN002.jpg

 

Trying to upload it again but always comes out to small to see. Any ideas?

 

Also could you confirm that the wording on the letter sent on 04/04/07 'however the payments are insufficient to keep the account open' means it has been terminated?

Share this post


Link to post
Share on other sites

Tried again but not working. Some of the posts here have posted their default notices and they have something in the bottom right hand corner that if you click on it the picture enlarges. How do you do this?

Share this post


Link to post
Share on other sites

Post the link to the photobucket page it might be a better image there.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

I have been using an image that I uploaded to photobucket but how do I post the link? Sorry a bit of a technophobe, takes me ages to learn how to do stuff!:-?

Share this post


Link to post
Share on other sites

Just paste the url address.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...