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    • As far as I remember it was Originally from an old business account with HSBC  at the time probably about 2007 it was from an overdraft that the bank decided to with no notice remove the facility from me ! I was not over the limit of the overdraft at the time ! The removal of the facility caused me to have problems with cash flow an intern had to close the business ! I had numerous other debts due to this action an complained at the time obviously that’s where it started ! I moved to Devon in 2009 we was in the same Adress for 5 years till 2014 then moved to another property until 2018 both rentals until we bought our current home in 2018 !  What would your advice be to proceed ! Many thanks 
    • everyone gets an email notification to their signup email if they've posted on your thread, same as the email for this post to you.   well TBH it doesn't really matter you've paid more than the 50% as such, but well they received more than the 50% so it's a bonus to them.   excess mileage is a bit of a sticking point,    you might find this thread useful toward the end more than the start.   as for W&T they can't prove anything unless they have photo's of when you got it...they won't, scratch  it wasn't me gov!!   dx    
    • no look at their letter it states they are a solicitor acting for a named client, the debt owner. probably Arrow Global DCA as drydens are part of the arrows group.   a solicitor doesn't buy debts.   if you'd moved then ofcourse you won't have had any comms as everything would have gone to the old address. so you still owed HSBC money on some credit, but the CCJ must have been registered at the old address and latterly the ICO claim too.   i can't believe you know nothing about the CCJ/CO before that date nor the debt it resulted from, unless you moved into that property after quickly moving out of another and they got the CCJ/CO by the backdoor serving it all the third oldest previous address?   the CCJ halted the SB clock ...so it's not statute barred.   ok it's only drydens trying to fund their staff xmas party with free money paid by mugs that think a dca/their dogs have magical powers, but to all intent and purpose the CCJ is still live as it's not been settled, but, they'd have a hard job enforcing after all this time, and ofcourse they'd have to return to court and of that you'd get notified....BUT if you've not informed them of your correct and current address , legally they can do that to the address used to serve the CCJ too...   which is why i;'m saying you can't not know what the debt was all about so spill the beans with what you know.
    • What you've written in itself is fine but in needs to be split up into comprehensible sections, such as    - grace period & CoP (IMO at the top as this is one of your most important points)    - it wasn't a parking event    - they have no locus standi    - POFA (but IIRC you outed yourself as the driver, right?  If so drop this section)    - no planning permission so illegal contract    - £60 unicorn food tax.   Etc.
    • Yes that is correct I’ve had no contact with anyone since 2009 when we moved !   ive looked up Drydensfaifax and it seems they are just a debt collection firm as you say they probably just bought the debt and now just trying it on ! to get me to Admit liability of the debt ! Should I just send them the statue barred letter ?
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Default damages [PCWorld wrong laptop sold & HFC Finance]- Supreme Court


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I've signed it too. How about putting this in the campaign forum?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
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  • 2 weeks later...

Subbing - good luck Durkin. I had a similar thing done to me by Santander. The default has caused me no end of grief and denied me the opportunity to take advantage of % deals and lower interest credit cards costing me £££ in extra interest, when apart from the default, I have a good payment history.

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  • 3 months later...

Legal Aid Board should be deciding our claim for Legal Aid next month having finally considered the application last month.

 

Much will depend on the wider public interest aspect so please bring this to the attention of all those folk you may know who are having difficulties with defaults. Any potential sympathisers too.

 

Despite our challenge that this is a very simple matter, they're considering it as "complex".

 

Here's the link to the campaign: http://www.consumeractiongroup.co.uk/forum/showthread.php?297131-Legislate-against-banks-defaulting-disputed-accounts

 

Thanks for your support.

 

Richard.

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  • 3 months later...

Still jumping through hoops with the legal aid board.

 

Despite 2 of 3 external reports, support from the MP and CAG and significant prospects in the Supreme Court, they're still persuaded by the bank's lawyers!

 

The MP has spoken to ministers and pretty much confirms that the government will do nothing util the Supreme Court has ruled on this.

 

Could be another year at least then that the banks are allowed to continue blackmailing the public.

 

I reckon that's unacceptable. I'd like to hear Ken Clarke's excuse for this. Does anyone have him as their MP?

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sorry to hear this D i wonder if we can find a major Shareholder to raise this at an extraordinary meeting of the board of Directors ...surely they must have a limited budget for this action

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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signed D good luck mate

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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I reckon that's unacceptable. I'd like to hear Ken Clarke's excuse for this. Does anyone have him as their MP?

 

I don't have him as my MP but I am currently in talks with my Conservative MP about an issue I'm having. He is currently in talks with the chairman of the bank in question.

 

I'd be happy to send him all the details to pass on if you wish to provide mw with them

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

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Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Cheers Scrapper,

 

I've already tried talking with Richard Spence (HFC's old CEO). A waste of breath. I really do wonder how long they think they can get away with it before someone less patient than ourselves decides to string them up.

 

There are plenty of unhappy bunnies now. Let's hope the Supeme Court can bring them into line before someone cracks.

 

I understand Richard Spence is now an advisor at The Treasury. No wonder the government isn't keen to protect the consumer. It seems they're all in it together!

 

Difficult to get them to admit it but it's often the case that actions (or lack of) speak louder than words.

 

I hope your issue is resolved today.

 

Richard.

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Richard I really think the judges have been told to try and stop consumers claiming any further against the banks due to the frightening situation with the Euro etc. I was involved in a recent and decent case (not mine) and the judge just rolled over and allowed the bank's barrister (in a small claims court) to run the show.

 

I also heard a story on Breakfast TV from Paul Lewis of Money box stating the people getting PPI back from banks are being hit with tax bills! It's case of a) putting people off trying and b) if they do try grabbing some tax. Do keep up your battle if you can.

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  • 6 months later...

Good stuff Richard. I'll see if we can get this in the next newsletter to make sure as many as possible respond. :-)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

HI

I haven't seen any discussion about the actual case, so perhaps this is the wrong thread.

I was aware of this case purely because i had used the precedent created in the awarding of costs issue. Which i may say has been a great help to many.

I couldn't believe the circumstance that caused the problem, i assumed that a credit agreement would automatically be cancelled on the return of an item in this way.

I was a little surprised when i read the transcript of the hearing to be honest, in that that the agreement was said to have been rescinded, due to section 75.

I didn't think that 75 worked that way, my immediate reaction was that the agreement would have been cancelled under the provisions in section 55-56 of the act in that no agreement was" made", as prof. Goode puts it.

 

I considered section 75 to be a device where, if you paid money to a supplier and lost it through their breach, you could sue the creditor in their place. This mechanics are simpler to understand on a running credit account, on a fixed term agreement the creditor i thought would simply repay the loan account( which i suppose is a kind of rescission). It is a subtle distinction and i suppose one that only emerges in the situation that came up here.

 

It is a serious gap in the consumer protection measures available under the act, lets hope the SC has the skill and the will to plug it.

 

DB

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Richard,

 

I am sure you are in good hands, but can I draw your attention to CCA74 section 57 which seems to cover your situation and was not mentioned in the latest judgment.

 

 

 

By my reading when you went back to the store the agreement had not been executed by the creditor and still at that time remained a prospective agreement.

 

HTH

 

Dad

 

I don't know why this has not been picked up on, it seems to me to be a good and valid argument.

 

There is a minor point that i would disagree with, and that is that the agreement was not executed.

In my view it was, however section 55 refers to the making of an agreement, professor Goode draws distinction between an agreement that is executed and an agreement that is "Made".

 

An agreement can be cancelled before it is made under section 57-69.

 

The agreement is made when the goods are delivered, in this case they were not, if you ordered a pound of butter and received a pound of salt would the goods be deemed to be delivered.

 

I think that this agreement should have been deemed cancelled not rescinded.

DB

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi DB,

 

Happy to discuss things here. I'm afraid I'm a tad cheesed off with "the law" just now. It seems set up to protect the criminals that can afford the best wordsmiths.

 

It shouldn't matter if the bank screwed us with Section 75 or Section 56. A good judge should still recognise that we've been screwed.

 

The Edinburgh lot have basically let the bank off with this Section 75 technicality that has been good these past 30 years. They are obsessed with linking new cases to previous ones to the extent that they alter facts and ignore evidence to fit.

 

Whether it was the candlestick or the lead piping say, we still have a corpse and we know who did it.

 

With conveniently deaf ears and turning a blind eye, judges have completely missed that the credit agreement shouldn't even exist, as it was processed fraudulently.

 

Cheers,

 

Richard.

Edited by Durkin
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Hi DB,

 

Happy to discuss things here. I'm afraid I'm a tad cheesed off with "the law" just now. It seems set up to protect the criminals that can afford the best wordsmiths.

 

It shouldn't matter if the bank screwed us with Section 75 or Section 56. A good judge should still recognise that we've been screwed.

 

The Edinburgh lot have basically let the bank off with this Section 75 technicality that has been good these past 30 years. They are obsessed with linking new cases to previous ones to the extent that they alter facts and ignore evidence to fit.

 

Whether it was the candlestick or the lead piping say, we still have a corpse and we know who did it.

 

With conveniently deaf ears and turning a blind eye, judges have completely missed that the credit agreement shouldn't even exist, as it was processed fraudulently.

 

Cheers,

 

Richard.

 

HI Richard

 

I seem to remember reading somewhere in one of the judgments this was mentioned and the judge said that the only pleadings were based around the section 75 argument, is there going to be an extension to the pleadings in the new submission.

 

DB

Edited by Dodgeball
spell

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If the court allows it, we'll tidy up the pleadings.

 

The facts and evidence remain as always. This should have more weight than the pleadings.

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