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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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Cabot/morgan Claimform Morgan stanley card debt **struck out**


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So, if there is no default notice, how can they proceed without proving that the account was ever defaulted?

 

Ah, just seen what you wrote, it appears in my reply quote below, but not in your post, strange.

They have processed a default on my credit file also, and kept updating the date so it stayed active. I'm trying to address this now.

I am at the stage of the Witness Statement, so also not sure what I can do about charges & PPI.

 

The whole no DN thing and an app form for a CCA is really baffling me, why do they proceed with these?......

DC

 

Hi Debtcontrol

 

yes there was no default notice and they have proccessed a default on my credit file for 6 years, Im ready just wondering what to do about the charges and ppi as ive had no responce from Goldfish in the past to my LBA

 

Hadituptohere

 

hadituptohere

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Thats something for the defence, im sure.

 

Theres 540.00 in charges and 240.00 in PPI payments, does anyone know where the interest calculator has gone that was about the site??

 

I think the best way is to try and claim these back from the OC and reduce the amount and if Morons do issue there will be next to nothing to claim

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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I don't know about PPI but, as you say if you do reclaim it, there wouldn't be much left.

 

However, with many apologies for the delay, the two so-called agreements you need to look at are

 

Lunar Jim vs Barclaycard

 

and

 

Hatesdebt v Barclaycard

 

It's all down to the cut and paste on the back page. In the column on the left, you can see from those 'agreements' that the space between the lines and the box is different. On a genuine printed form it wouldn't be. Yours will be different again. I think you should say that you do not believe the agreement they have sent is genuine, and you wish to visit their offices or the OC's offices to inspect it. You could also add a dire warning about producing fraudulent documents ....:smile:

 

DD

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Morons will not play any part in the PPI process, this you need to address with the OC. I found this very straightforward with Egg and they capitulated after one letter, but I wouldn't expect all banks and financial institutions to roll over so easily

 

The template letter from the library is sufficient in the first instance.

 

Write to MSDW advising them that the PPI was missold and the reasons (they are on the letter)

then wait for them to either dispute your claim and prove that the PPI was correctly applied/sold, or else to begin negotiations with a view to settlement.

 

be prepared to follow up on your threats and claims with regards to FOS etc as some of the more stubborn Bankers have been known to hold out til the last minute and beyond

 

Once they have settled this opens another as yet untested argument as to whether it cattles Cabots claim.

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Thanks DD

 

As ive said I did send a request to GOLDFISH for repayment of the Charges and also an LBA but no responce, anyone any advise on this please

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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HI Spam thanks alot didnt see your post prior to posting

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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would it be advisable to go for the PPI and charges plus interest to todays date?

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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I'm going to do this also, did you get the interest calculator at all?

 

would it be advisable to go for the PPI and charges plus interest to todays date?

 

Hadituptohere

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Not yet, unsure whether you can apply for interest and to what date can you claim too?

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Up to now I have claimed PPI x 2 and charges for a credit card, all three were inclusive of interest initially to the date of the claim.

 

In the case of PPI, your claim should be for the total premium amounts that you have paid, plus any interest applied to the PPI, plus stat 8% for each premium

for charges it is exactly the same, I would suggest you use an interest calculator to ensure that you have fairly accurate figures.

 

if in three months time this is still going on then you will need to be recalculating the interest applied to the accounts and to the amounts outstanding/owed

 

However, from my experience, if they quickly concede the point and agree to refund, they will want to be seen as being fair and accurate in their actions and so will recalculate the interest themselves.

 

When I reclaimed the charges from Halifax for a credit card, my claim was for about £380, they refunded just short of £500, this wasn't due to a miscalculation on my part, rather they jacked it up to make sure that I had no further recourse to complain and to counter any arguments about interest that they may have applied to the charges

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This card was from 2001, BUT I wasnt aware of the unlafull charges and missold ppi untill 2008 when I first sent correspondance to Goldfish, so I guess I would still be able to claim ???

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Cant find the interest calculator that used to be on the site...Arrrgh

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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This card was from 2001, BUT I wasnt aware of the unlafull charges and missold ppi untill 2008 when I first sent correspondance to Goldfish, so I guess I would still be able to claim ???

 

Hadituptohere

 

I believe you can bring a PPI claim six years from the point you became aware of the misselling, do a search online for PPI interest calculator, there are many out there.

 

get the numbers worked out and send the letters, it will only cost you a couple of quid and could bring in a lot more and add to your forthcoming defence

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In the case of PPI, your claim should be for the total premium amounts that you have paid, plus any interest applied to the PPI, plus stat 8% for each premium

for charges it is exactly the same, I would suggest you use an interest calculator to ensure that you have fairly accurate figures.

 

 

The late payment charges = 480.00 (mis calculated last time) + compound interest @ 13.9% (quoted on application form) = 1438.90 but then if you add 8% to each payment the figure goes through the roof....

 

PPI payments = 299.57 + compounded 13.9% = 613.37 + 8% = 1020.98

 

That just levels Cabots claims...lol

 

Best get writing again to Goldfish?????

 

I wrote to them last time and didnt get a responce, would it be advisable to send to Barclays as they own Goldfish???

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hello HIUTH, did you get an interest calc then? Would be interested in a copy please. I think this will severely affect Cabots case against me also.

Thanks,

DC.

 

The late payment charges = 480.00 (mis calculated last time) + compound interest @ 13.9% (quoted on application form) = 1438.90 but then if you add 8% to each payment the figure goes through the roof....

 

PPI payments = 299.57 + compounded 13.9% = 613.37 + 8% = 1020.98

 

That just levels Cabots claims...lol

 

Best get writing again to Goldfish?????

 

I wrote to them last time and didnt get a responce, would it be advisable to send to Barclays as they own Goldfish???

 

Hadituptohere

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http://www.consumeractiongroup.co.uk/forum/showthread.php?249257-PPI-Interest-Calculator

 

I used this one here debtcontrol

Hope that helps ya

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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  • 3 weeks later...

Hi all

 

Havent been around the last few days after a short break in scotland with the family and coming home to a swimming pool in my downstairs, hence no pc...

 

Nothing from Cabot or morgans on the default costs certificate and ive rang the court and theyve had nothing...

 

Whats the next step????

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Ive sent my request for repayment of PPI and charges to Barclays and receievd a PPI complaints form from them in reply?????

 

Any suggestions as where to go next with this plz??

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hi Guys

 

Thanks Rhia for your coments and yes would be nice to slap in a charging order or even the Ballifs.

 

Anyone any ideas on this please????

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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I have received the info from the courts and i beleive I can issue a warrant for payment

 

but looking at the charges booklet theres 100.00 for the warrant but also 35.00 for enforcing an award in the county court

 

really confused now??????

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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The warrant costs are added to the amount that the Cabot have to pay.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi foolishgirl

 

yeah i believe so but do I have to go for the Warrant??? what do I get for the 35.00 Enforcing the Award in the County Court??

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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