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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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lickthewallfatboy

charges appeal goes with the banks!!

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The OLD BOYS Network !!!!!!


The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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i am not at all surprised only yesterday it was announced that 2 banks had taken billions of pounds in government loans last month, there was no way in this economic climate that this gov. was going to put the banks into the position of having to refund billions of pounds in charges. if this had happened before the banking disaster i think that the banks would have lost, but now there is no chance..

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BBC News - Banks win Supreme Court case on overdraft charges

 

Unbelievable, it just shows that these unelected Lords serve no real purpose whatsoever and are (allegedly) as buyable as any other MP

 

I should be grateful that I got my claim in against Halifax Credit Card when I did.

 

However, even though the OFT has lost the case, don't forget it still states in the CPUTR that charges must be representative of their costs and to date, no financial institution has come forward to state exactly what it costs them.


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Nope... plenty more scope for attacking the banks with competition laws etc... there is mileage in this yet

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BUT...

 

We have to ask ourselves who would have been paying the refunds had the decision gone the way of the consumers...

 

...the taxpayers.

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I had an email from Nat West this morning advising me of a change in my banking conditions. All my charges seem to have been cut to around £5 and no more massive daily charges but limited to smaller amounts in any one period.

 

Do you think deals have been made with the banks to save them from refunding billions if they now set realistic charges??


The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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fuuny you should say that

 

on another forum a guy has just posted that he got a letter from nastywest last week advising him that the maximum for daily charges was going up to £90


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Read the official press release here: http://www.supremecourt.gov.uk/docs/uksc_2009_0070_ps.pdf

 

The full judgment has not been posted yet.

 

[edit] Here it is: http://www.supremecourt.gov.uk/docs/uksc_2009_0070_judgmentV2.pdf

Edited by Virus

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I think we should wait to read the full judgement... we know how the media has been reporting these types of things (i.e. incorrectly)

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Does this mean those who have already had a payout are now going to be hounded by DCA's ????


HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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The Supreme Court had to decide not whether the banks’ charges for unauthorised overdrafts were fair but whether the OFT could launch an

investigation into whether they were fair.

 

 

The court decided that although the interpretation of the European directive which the Regulations implemented was a question of European law it was not necessary to refer the matter to the European Court of Justice (Paras 49, 91, 115, 120).

 

However, the charges might still be open to assessment by the OFT on other grounds under Regulation 5.

 

Looks far from a victory for the banks to me

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Could get quite busy here, methinks!!!!!


HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Speechless. Just cannot believe it, and no room for a european court appeal so obviously they had no confidence in their own judgement that it would stand up to further investigation.:shock:


If I have helped then please click on my scales.

 

Ulster bank

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

05/10/06 DPR letter sent

06/11/06 Request of repayment sent £1186.06

20/11/06 Repayment deadline

21/11/06 LBA sent

25/11/06 £90 goodwill gesture letter received

06/12/06 LBA deadline

09/12/06 Received final response to claim

I will register smallclaim in new year once Jan paycheque is in.

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"Permit me to issue and control the money of a nation, and I care not who makes its laws"

Mayer Anselm Rothschild (Banker)

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The Banks are robbing B******s

 

They gamble on speculatiative deals and when they cock up we have to bail them out yet they still get their inflated salaries and bonuses.

 

Go £1 over and they charge you £30 for being overdrawn £30 for not paying a DD plus £30 for telling you they are not going to pay the DD

 

GREEDY GREEDY SCUMBAGS


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I had offer from bank in place, took gamble and lost, no such thing as a safe bet ! massive shock actually feel sick, thats probably the few thousand that would have made it a good xmas, gone !

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