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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Expat101
      Scammed - left with £40k of debts I can no longer pay

      By Expat101 · Posted

      Thanks very much, would just be reassuring to know I still have options at that point, and can avert anything nasty if needs be?  No idea what nasty would look like for me in regard to this but I worry about being done for fraud because I applied for the loans when I was not a UK resident and promptly transferred the funds abroad upon receipt.  Neither was allowed under the terms of the loan offer. Would they look into that sort of thing?  (Am I putting myself at risk admitting that here and should I delete this message, seeing as my gmail address is associated with this). I feel so ashamed admitting this.  As I mentioned in my first message, I was horribly manipulated into doing all of this and then scammed.  I fully intended to repay the loans and did my best to do so for over 2 years before my income took a massive hit in Oct last year.
    • London1971
      Scammed - left with £40k of debts I can no longer pay

      By London1971 · Posted

      no need to do anything before a letter of claim, then you can come here and we will help you. Most of these debts are sold on for a few pence in the pound to DCA's, who will try and make you think that they have legal powers. Ask yourself the question why so cheap?
    • Expat101
      Scammed - left with £40k of debts I can no longer pay

      By Expat101 · Posted

      Thanks, good to know.  Is it best to engage with them once court proceedings begin?  I've noticed advice on the thread saying ignore everything until Letter of Claim or notice of proceedings - so that suggests there is something I could do before/when that happens that is important? Would like to know what those actions/options are for me to take at that stage, to factor into my decision now weighing up the risks etc.
    • lolerz
      Scammed - left with £40k of debts I can no longer pay

      By lolerz · Posted

      6 years from date of DN/Last Payment to take you to court.   Further 6 years to enforce the CCJ.
    • Expat101
      Scammed - left with £40k of debts I can no longer pay

      By Expat101 · Posted

      Well I have none, so I think me telling them would be a proactive preventive step to "help" them weigh up whether to proceed with court action.  Doubt they would do so if they knew it was a waste of time because I own nothing they can send bailiffs to or put a charging order on.

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      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Jumping from the saucepan into the fire

Cassandra1413

By Cassandra1413
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Monika

Monika

Posted
Posted

Some where along the line (can't recall where I read this now,sorry) I saw advise about the "best" banks, the top one was Alliance & Leceister, I have my account up and running with them.:p

Abbey - 12/08/06 prelim sent, 25/08/06 rec how to complain letter, 01/09/06 LBA sent, 19/09/06 offer for part accepted only, given another 7 days.

 

Lloyds c/c - 12/08/06 sent (LBA), 01/09/06 LBA sent, 09/09/06 declined

 

Barclay c/c - 14/08/06 sent (LBA), 26/08/06 rec sorry u had to complain , 01/09/06 LBA sent

 

MBNA c/c - 18/10/06 - Agreed to further goodwill gesture, actually paying more than I asked for now, additional £296.00 expected very soon. Total £586.00

 

Halifax c/c - 19/10/06 - Halifax settled in full and paid court cost £400.00 paid in account .

 

Abbey c/c - 15/08/06 sent (LBA), 25/08/06 rec how to complain letter, 04/09/06 LBA sent

 

 

please note my opinion is my own and I have no legal training.

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Glenn UK

Glenn UK

Posted
Posted

natwest worked for me, my parachte account was set up when i had a debt managament plan and NW have been fine so far!!

 

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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lknox

lknox

Posted
Posted

I vote Natwest too.

 

I guess it's a personal thing - I like the people in my local branch and never had the kind of problems I've since had with Abbey.

I had a current account with them which was closed when I got divorced.

I wish I'd stayed with them instead of Abbey. But now got a parachute Step account with them.

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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Lula

Lula

Posted
Posted

I have nothing but praise for Smile, the gave me a debit and a credit card a freeo/d for £500 and I do it all online and pay stuff in in the tpost office, apart from the savings account which you have to use their co op cash machines for, but you can always just tranfer money from one account to another and then go to any link machine, oh and I dont have to see anyone, and their call centre is in the UK

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Cassandra1413

Cassandra1413

Posted
  • Author
Posted

Thanks for all your replies.

 

I opened an account with Nationwide yesterday with online facilities. The staff keeps trying to get financial information off me in order to sell me mortgage, insurance and unit trust investments which alarmed me a fair bit (but hey, what else is new?). I wonder how much information we disclose to the bank are really necessary and on a 'need to know' basis!!

 

They asked me why I want another bank account if I banked with CrAbbey for 20 years! On hearing that I want a separate account for all my DDs, SOs and cheque payments, she immediately said their charge is £30 each time if I get overdrawn without authorisation and what nots. Hah, what a presumptuous wretch.

 

Now I have to tread very carefully, don't want to jump from a frying pan into the fire :Cry:.

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Cassandra1413

Cassandra1413

Posted
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Posted
oh and I dont have to see anyone, and their call centre is in the UK

 

:p, I would like that too! Hate talking to people whose has trouble understanding my request and wouldn't admit it, nor get things right for love or money :rolleyes:!

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Cassandra1413

Cassandra1413

Posted
  • Author
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Some where along the line (can't recall where I read this now,sorry) I saw advise about the "best" banks, the top one was Alliance & Leceister, I have my account up and running with them.:p

 

Lucky you, I don't think we have a A&L branch in sight anywhere.

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Cassandra1413

Cassandra1413

Posted
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I'd vote for Nationwide..... only really because they have brilliant online banking facilities, and the people in my branch are lovely. As good a reason as any for chosing a bank :-)

 

I heard about them not charging people drawing our own money abroad. That's why I went with them. Now we have to see...:oops:

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Cassandra1413

Cassandra1413

Posted
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I vote NatWest too.

 

I guess it's a personal thing - I like the people in my local branch and never had the kind of problems I've since had with Abbey.

I had a current account with them which was closed when I got divorced.

I wish I'd stayed with them instead of Abbey. But now got a parachute Step account with them.

 

The traditional banks have more advantages than the building society conversions as they seem to offer better facilities. When I was in a very good job I never had any problems with Abbey either. Only when I got ill and been off work, now work part time and has a relatively low income that they become evil. My impression is that they only want to have 'premium' customers. :Cry:

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sandrajl

sandrajl

Posted
Posted
Lucky you, I don't think we have a A&L branch in sight anywhere.
Ive gone with A&L too my nearest branch is 7miles away but if you need to put money in you can do this through the post office with cash or cheque and you can get cash out at most machines (as theyve given me a card and cheque book too !):)

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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