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    • A divorce lawyer should be able talk to you for up to half an hour without charging, to assess whether they can help with a separation agreement. You can find someone locally via the Law Society website, click on Find a Solicitor or follow this link.   https://solicitors.lawsociety.org.uk/   HB
    • I contacted a mediator who gave me their prices of £99 per person for the first session, £180 per person for each session after and then a further £180 per person for the paperwork ... which IS NOT LEGALLY BINDING   Think I'm in the wrong job! 
    • He is entitled to half of the equity, not half of the value as we have a mortgage on it   
    • Alternatively, I could continue to pay the loan that is with the the same bank as my mortgage, but wouldn't be able to make much if any reduced repayments on the other three.   Thanks for your help.
    • Illegal? No, Corrupt? No,  In breach of PRIN and the CCTA code? Possibly, dependant on your correspondence and arrangements  with them - send a SAR What people have to realise is once you sign a BOS the car is no longer yours You have permission to use it whilst you comply with the loan agreement  Your protection is the Default Notice should you get into arrears  It is prior to or on receipt of this that you need to converse with the lender don't ignore it
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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I got into a massive mess with Credit Cards so much so that due to the unlawful charges I had to sell my house this year to pay them off - I had four in total a credit limit altogether of £2,000.00 but ended up paying back nearly £4k, just due to charges. I know that there are a lot of people out there in the same situation and this site is really useful. I am currently dealing with NatWest claiming back my charges but have decided that the CC companies are not going to get away with it either. I had Halifax, Capital One, Citi and Monument, but only problem is I paid them all off in February this year.

 

Does anyone have any idea of how to get the Capital One account number (or any of the others) that I held, I have checked all my stuff and seem to have thrown everything away after the move - convinced that I would never need it again or want to go and use another credit card again in my life.

N ELLIS

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hi write to the credit card companies involved, provide evidence of who you are the then have to give you all the information you require. If you follow the FAQ this will guide you through the whole process to recover YOUR money!:D

 

goood luck if i have helped please click my scales!!!

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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dont know if it helps but when we moved we had to pay off cap one as part of the mortgage deal, therefore our solicitor had details of the account number. I just phoned him and asked him nicely if he would provide it to me which he did after about half an hour

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Hi Ellisn.

 

I would personally go and ask for your credit reference files from EXPERIAN and EQUIFAX. They are online and cost £2.00 each to have them sent to you. This will enable you to get all of the information you need. Also you can see if you have been DEFAULTED on the cards whilst running up those charges.

If you have been Defaulted by the card companies because of charges putting you in that position, you should be able to have the defaults removed.But this is quite a long process.Please read this site and FAQ'S over and over again.This site is like a good book, but always check through things thoroughly yourself.

Hope this answers your question.

 

Good Hunting Ukaviator. . .

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thanks guys, I have read, read and reread the FAQs so much so that I am dreaming them, I just see everyone doing court claim forms and it scares the life out of me, I like to think that I am an intellegent person but this all seems like a lot. But I am doing it, so that I can show my friends (sceptics at the moment) just how easy it is to beat the banks and credit card companies at their own game and hopefully win.

 

So thanks again for all your advice,

 

Nikki

N ELLIS

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Thanks guys, I have read, read and reread the FAQs so much so that I am dreaming them, I just see everyone doing court claim forms and it scares the life out of me, I like to think that I am an intellegent person but this all seems like a lot. But I am doing it, so that I can show my friends (sceptics at the moment) just how easy it is to beat the banks and credit card companies at their own game and hopefully win.

 

So thanks again for all your advice,

 

Nikki

 

good it does seem daunting but really its not especially with all this help here.:D :D good luck nikki

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Hi Nikki.

 

Don't worry too much about the Court side. They seem to always back down.

I heard yesterday off the record with a girl at Lloydstsb is that they will only pay out when a court claim is issued. They are hoping people get scared at that thought and back down.You may have to go through the motions, but at the end of the day the charges are unlawful. Keep reading this site over and over again. I am still learning everyday, and i have 7 claims on going. Mortgage redemption penalties are 2 of them. The thing you need to realise is that you should always be prepared to go the full distance. Have a defence ready in case they take you on. You never know. Help is here and there is also a buddy system here to help you if needed. You can live chat if you have an important question. Always check the information for yourself though. And if you win, a donation to keep this site going. People power rules. The peasants are revolting

they said in the old days. Dawn right we are.

Good luck with the claims.

 

Go Get Em. . . Ukaviator..

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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U guys are great and all I can say is thanks again for all your advice, I have wrote to all the credit card companies - preliminary just to get my account numbers etc then once this has been recieved I can start on sending off SAR and getting copies of all my statements- the postie will love me!

 

Natwest have sent back a bog off letter and I am just doing my LBA and sending that off today which I expect to get back another bog off letter, but your right I would have thought most CC companies and Banks have been told to delay as much as they can in the attempt that people will give up, but after reading lots and lots of threads I know that there is plenty of people out there that can give me advice.

 

Deffo be contributing donation on every claim that I win, and will be spreading the word religiously.

 

Thanks again

 

Nikki

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