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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
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Full & Final Settlement Offers - Any Advice???


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Hi DOT. What they wrote is:

"Thank you for contacting us about the balance outstanding on your Crap One credit card account. We are writing to confirm the settlement arrangement has been agreed.

 

To settle your account a payment of £xxx.xx will need to be received by 2.3.10. Your account will be settled if the payment is received and cleared by this date."

This was in response to my letter which stated:

 

"This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any liability."

 

 

I've found another post that states you shoudl send your third party cheque with a letter confirming the terms and that if they don't agree to those exact terms they should send the cheque back. Has anyone else had experience of Crap One welching on an agreed f & f after you''ve paid?

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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IMO (in my opinion) Brooce, they are not agreeing to your terms and this is where they leave it open to sell the shortfall. DONT trust them not to!

 

I have read a thread on F & F where they took the payment from a 3rd party despite the person writing that is was to be returned if their terms were not accepted and then wrote to them for the rest! Basically saying 'Up yours'!

 

The problem is they rely on the buzz you get from thinking you have a chance to get one out of the way and hope that you forget to dot the i's and cross the t's if you get my drift.

 

My advice is to hold on to the money until you get EVERYTHING you want in writing from them.

 

Good luck

Edited by Dotty50
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Other threads are saying that if you send payment via a third party then there is nothing they can do.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Well I wouldn't risk it!

 

I have probably read a lot more threads than you Brooce, :) I just want you to be aware of any possibilities. It could work for you and not be a problem but it MIGHT not and another company could come along in months to come to demand the rest

 

I am probably still subbing to some of the threads, I have to go out now but will have a look when I come back and put them on here for you to take a look.

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Cheers.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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The actual letter reads as follows:

 

"Date: 26/1/2010

 

Account Number: 4775 XXXX XXXX XXXX

Balance: £X,XXX.XX

 

Dear Broooooooooooooooooooooooooooooce

 

"Thank you for contacting us about the balance outstanding on your Crap One credit card account. We are writing to confirm the settlement arrangement has been agreed.

 

To settle your account a payment of £xxx.xx will need to be received by 2.3.10. Your account will be settled if the payment is received and cleared by this date.

We have provided details below on how this settlement will appear at the credit reference agencies once the account has been settled:

* If you have paid the full outstanding balance this will show as satisfied

* If you have paid less than your full outstanding balance this will show as satisfied with an additional flag of 'partial settlement'.

 

This settlement offer is available until 2.3.2010. If the settlement payment is not received by this date your account will return to its previous status. Payments should continue to be made in accordance with any agreed payment plan.

 

Any questions please call 0800 952 4914."

 

I guess to be sure I'll write to them (again!!!!!!!).

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Hi Dotty.

 

Just spoke Crap 1, 'Specialist Support Unit' - the girl was very reassuring says it is absolutely an f & f - they won't pass it on to anyone.

 

However I've got until 2.3.10 to pay, so I'm gonna send a letter to them asking for them to confirm that is it and that they won't pass it one to a DCA.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Hi Dot. Thanks for your reply. I've read the thread and don't think those circumstances are the same as mine. What andy303 seems to be suggesting is that he has sent cheques to creditors marked 'full & final, only bank if you accept in f & f settlement' without actually having negotiated anything with the creditor in first place. He does quote case law but it does seem to me to be a high risk strategy.

 

I've already written to Crap1 asking for them to confirm what they told me last night.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Any one had any joy negotiating an F & F with the Halifax? Just had a letter from them saying categorically they don't enter into F & F's.

 

They lie - but they don't offer good F&F's. I was offered 75% by HBOS - but before I reclaimed the default charges - which reduced the balance by much more! Now repaying the remaining £5k balance at £30 per month (interest frozen). I have also just realised via SAR that they changed my card no at some time and the CCA I have is for a DIFFERENT card no - thinking about my next move on this.

 

BD

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Hi Jimbo.

 

I agree - it's taken a little while for me to conclude that but I know that I now want to settle as many CC's as I can on f & f's and if that results in a screwed credit rating - then so be it. I am asking creditors to agree to mark my credit file as satisfied but to be honest I don't trust them and wouldn't be at all surprised if they had some covert system of alerting other lenders to my waywardness!

 

Brooooooooooce

 

If Cr*p One is offerring 15% F&F then they probably feel the agreement is not enforceable - but may be worth 15% for your peace of mind. I agree that what the CRA's say is of no consequence (unless you want to re-mortgae soon!).

 

If so, look at the National Debt Line template and DO SEND A THIRD PARTY CHEQUE with accompanying letter quoting cheque number etc. stating it is in F&F and annotating the chque on the back of it - there is much case law to protect you once they bank it.

 

If you don't want to (or can't) pay 15% then do the £1 cca requests and the £10 SAR with all OC's and see what comes out.

 

Reclaim credit card default charges and associated contractual interest (compounded monthly at THEIR monthly rates) to reduce the balance BEFORE negotiating F&F. (I wish I had known of CAG and done this before doing the F&F deals I did in 2007!).

 

BD

Edited by Bigdebtor
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Be aware that a partial settlement is just that, settling part of the debt, leaving a balance to be collected by them or whoever they see fit to sell the debt on to. From the wording of the letter you have received I would be inclined to agree that they are trying to pull a fast one

 

I would always insist on settled or paid in full or "satisfied" being displayed on your file and a letter from them stating clearly that the amount to be paid is recognised as being in full and final settlement (the letter you have received doesn't state this at all) and that the remaining balance will not be transferred or sold to either their agents nor to any other company under any circumstances

 

It may also be worth requesting that they indemnify you against any further action against this account. I doubt very much that they will do this, but under the letter they have sent you, they have promised nothing and any cheque you send them will be cashed without any commitment from them to write off the remaining balance and as such you wouldn't have any recourse at all

 

If they refuse to do as you request then you need to read into it what you will

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Cheers for your reply Spam.

 

I've written to them today asking for confirmation of what they said on the phone last night - namely that once I've paid the account will be closed, marked on my credit file as satisfied and that Crap 1 or any other company won't pursue me for any other monies.

 

That, together with sending the cheque via a 3rd party with all the usual 'f & f' blurb should surely be enough? I have already sent an F & f letter with all that blurb already in it - which prompted Crap 1 to contact me.

 

I note what you say about 'partial settlement' but their letter does say my account will be marked as satisfied with an additional marker of 'partial settlement' - because isn't that what I'm offering?

 

Has anyone else had experience of a letter like I've had from Crap 1 and them then welshing on it?

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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you need them to clearly state in writing that they are accepting your money as full and final settlement - anything else is just waffle and unless they are prepared to use that exact phrase in writing, then it would leave you open to further enforcement action.

 

And this forum is filled with examples of people who have entered into such agreements in good faith, only to have another lowlife pop up to pursue the remaining balance.

 

Dont believe that this is restricted to any timescale. if they don't want to play fair, leave the money in the bank and try again at a later date

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Actually Brooo ...you can see the advice here is consistent in a number of areas and every bit of it coming from peoples experience so take it all on board and thank them for it as it is guiding you through the maze.

 

a) Don't trust them and you are wise to get whatever satisfies you in writing. Never hurts, keep all these letters stuffed in your loft for when some chancer idiot from McKenzie Hall picks it up once it's statute barred or something.

 

b) Only you know what your situation with regards to getting further credit will be, as someone pointed out, if you're going to be looking for a mortgage some time soon, it may affect your application.

 

c) confirm everything and confirm it again..as you are doing.

 

I have negotiated a settlement with Cap 1 for a friend and they put the 'partial settlement' on the credit file, but I also had it confirmed they would not come chasing this again EVER...this person is nearly 70 and has no interest in obtaining credit again so there is no worry. Your's may be different, but there's only so much you can demand when in all fairness what they put is exactly what has happened. IF you get satisfied on your credit file think of it as a bonus - go for it, but a bonus.

 

You are doing exactly as I said, you're doing okay and these other good people and ensuring you seal the deals as their experience dictates. CAG? ...what a place! Tick - tock, you're getting there.

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Ey up Andy lad!

 

Thanks for that. Some points you make are quite pertinent, they hit the spot so to speak. Cheers for your post. Yours and everyone elses' are very much appreciated!! Been along time since I was a virgin, but that's what I am when it comes to all this creditor s**t!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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  • 2 weeks later...

Hi Brooce

 

Good advice here , as everyones says you must get a letter from Crap1 saying full and final settlement and a commitment that the debt will not be persued in the future.

 

If they won't give you this then they are just messing with you.

 

If they dont intend to persue the debt then why can't they put down on paper. so IF IT DOESNT SAY FULL AND FINAL, THEN IT ISNT.

 

You could pay them the settlement figure then get another DCA chasing you in the future.

 

Cheers Ron

 

Well done with the 15% by the way , if you can get them to confirm it properly then you have done well.

Debts settled £135K

discount so far £68K :)

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Hi Brooce,

 

How are things going?

 

Did you get confirmation regarding any shortfall being passed on from Cap1 for your F & F?

 

I just did a recap on your thread, I have had a call from Fredericksons today, so guess they are to do with Cap1!

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Hi, sorry for delay in replying - I'm trying to limit the amount of time I spend on this - hours and hours reading CAG threads was starting to cause me some serious issues. So I'm managing things in a different way by only dealing with stuff and using CAG once a week (my will divorce me if I don't!!).

 

Got another letter from Crap1 which reads:

 

"I am glad that you are happy with the action that we have taken with your account and we wish you all the best in the future.

 

I can confirm that on receipt of your agreed settlement payment of £xxx.xx we will close your account and no further payments will be due.

 

We will update the CRA to show the debt has been settled. After your payment of £xxx.xx is showing on your account an amount of £xxxx.xx which is the balance that will be remaining will show as a write off on your credit file."

 

I have again spoken to someone at Crap1 (a very nice English lady) who has explained that Crap1 will only mark my credit file as settled in full if that is what has actually happened. Clearly I haven't settled my account in full. She assures me that once I have paid them then that will be it - no action from Crap1 or any DCA. She also says that I am being dealt with by a specialist dept. in Crap 1 because of my health issues and the medical report I disclosed to them.

 

My wife wants to move this forward and settle it and I think I do as well. I'm going to send them a 3rd party cheque with all the blurb about them only cashing it if they accept it in final settlement etc.

 

I suspect there will be some who say I need more from Crap1 but the content of my letters to them is absolutely clear and unequivocal. They acknowledge receiving them and make reference to them in their letters.

 

Thanks for everyone's help and comments.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Well done Broooo. I doubt there'll be any further issues on this and life will move on. Peace of mind is paramount and relations wife your Mrs even more so...My OH threatened me with all kinds of punishment for being on the forum too long...its kinda catching because the whole forum opens up so many possibilities to right wrongs of the past.. Go and enjoy life and well done, it inspires others to know you have a result, that's all that matters..

 

Good luck..;)

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Hi Andrew. Thanks so much for that mate. I've just been away for a few days with my brother and family. On his back he has tatooed the words 'Refuse & Resist' - thinks of himself as a bit of an anarchist. Told him what I was up to with the CC stuff and he calls me one (an anarchist that is!). Initially I thought 'oh yeh I'm going against the system' - ANARCHY IN THE UK!!! (and all that) then I thought no its not me that wants anarchy its the banks and credit card companies. Its them that seeks to ignore the rule of law for their own ends not me. You are right about CAG and the cans of worms it can open.

 

Trouble now is I can't watch an advert on TV for a bank or financial company without wanting to pick something up and throw it at the TV!! 'Lloyds TSB - it's for the journey' - what a load of old b*****ks and that latest ad for the Halifax what a waste of tax payers money!!

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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I am about to ask Halifax for a f & f of %% so I will let you know how I get on.

 

I do hold all the cards though... unenforcable cca, account terminated with possibly the worst DN ever (remedy date is BEFORE date on letter lol)

 

I will also be going to Cap 1 so this has given me a little hope.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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