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    • I suggest that you write to the breeder immediately with a copy to the court and concede the cost of the puppy and also concede the excess costs for bringing that element of the claim. you will simply be conceding two points which frankly I don't think you can possibly win and it means that you're left with claims which are entirely winnable. Moreover the gesture of having written to the breeder making these concessions will show that you have tried hard to avoid litigation  and trouble and inconvenience to the court. even if the breeder refuses it, it will go to your credit that you have done this.    
    • Thank you. At this point I'm not sure how right or wrong I am.    But based on our conversation this evening I have gone back to the breeder via message and pointed out to them that I offer them one final chance to settle at 900 pounds.    They informed me their vets only said this treatment would cost 500. The same vets who don't notice a puppy who cant open his eyes.    And they are willing to settle at 500 as a gesture of good will. Ha! And this is why they wanted to mediate  to put this offer over. I advised that we wouldn't take less than 900 as a settlement. They arent interested.   I had to be quick as the money we used is our savings for some private health treatment we need to back in our banks by next month so really left me no choice but to bite the bullet and try and get this solved sooner rather than later     I appreciate your advice and hope the courts understand the full picture. 
    • Sorry for the additional post, I couldn't edit.   In Nolans letter uploaded in post #48, is that sufficient NOA? or does it have to be provided by the OC or Cabot?
    • After a brief consultation, the Financial Conduct Authority has now confirmed the tailored support measures for overdraft and consumer credit users affected by Covid-19. View the full article
    • Don't bother with the police. It won't get you anywhere and it's just a load of hassle. Your target will be Hermes. Get screenshots and evidence of everything and monitor this thread for a  fuller reply tomorrow   Please tell us more information. The value of the parcel, it's contents,  and dates
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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Does anyone know if it is at all possible to chase up a transaction from a bank account that is now closed?

This is RBS and it has been closed for 11mths.

There are no cheque stubs or statements anymore.



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If you still have your account number and know when the transaction took place you could try telephone banking, they might be able to help.

Or you could order copies of your statements going back 6yrs. There will be a charge for this I think it is still £10 for the full 6 yrs worth

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yep SAR RBS..



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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It will still be available on the live system. Closed account details remain there for 12 months. After that you need to order historic statements which cost £5 for one page, £10 for 2 or more. All you need is the sort code and account number. It could be found without these but will take a fair bit longer.

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Something that recent should be traceable anything over six or seven years (cheques ets) are usually thrown out to create space. Banks may have micro fische records of statements and will charge to discourage you.

Generally they are mean and don't even treat there Staff well (despite claims to the contary). I have a long running dispute over discrimination against me and they have provided no evidence to contradict me but stubbornly refuse to cincede (at date of writing)

Often you can get one over them by looking else where or closing accounts as they re lie on innertia It is often a small but satisfying victory. There used to be a trick with cashpoint machines but I can't tell anyone how and it might not work any more.

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There used to be a trick with cashpoint machines but I can't tell anyone how and it might not work any more.


In that case please do not pass on any details about that on the forum, you cannot be sure what others might do with the information. Also, it may place CAG in a compromising situation should the details be leaked to other forums or media.

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Please consider making a donation, however small, if you have benefited from advice on the forums



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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I think K3V1N might not be all he seems.


If he was he would know that cheques are not processed by banks (haven't been for many years) but by BACS and are scanned the day they receive them and then sent to storage agents like Iron Mountain. They cannot "throw them away to save space" because under the Cheques Act 1957 requires the paying institution to retain the "instrument of payment" for a minimum period.


So although scanned images and data from BACS are used for expediency, under the Act, the actual cheque must still be physically retained and stored securely.


As the live data systems have finite memory capacity they tend to keep a maximum of 12 months data which is updated on a monthly basis.


They must keep microfiche files to provide data after the live information has been replaced. If they didn't they would have serious issues with the authorities and regulators.


As for the ATM trick, if its the one I'm thinking of, that was sorted within a couple of months of the switch from dedicated, own bank only access to allowing customers to use any bank's machine and depended on inefficient links within the network not keeping up with previous transactions.


Obviously there was no way that the main banks could permit that situation to continue so it was resolved PDQ.


Finally I have difficulty understanding how switching banks helps you get information about a closed account?

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  • 4 weeks later...

So you'll be able to get one of your own cheques from 10 years ago as your bank continues to horde them.


Interesting you admit to problems in the system.


As a bank spokesman isn't in your interest to discourage customers to purchase financial products elsewhere?

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