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    • No, I think UK will get same deal as EU.  Main reasons for this are two sectors,  Defence and Financial Services.  US have huge levels of money invested in the UK, so they have a self interest in offering a trade deal as good as the EU.
    • @labrat I'll bet it isn't the subframe itself that's broken. It'll be the subframe mounting bolt(s) that have sheared off inside it. Because the bolt is seized inside the subframe, it effectively renders the subframe scrap. I suspect the garage are simply talking in terms the average customer is more likely to understand than going into the detail of it. The Golf, Jetta and Beetle, which are all mechanically identical, are notorious for it.    A smaller independent garage may have tried to get the bolts out, but you very quickly reach the point where time/effort/cost is simply not worth it and replacement of the whole subframe is the better choice.   Of course the OP could approach a salvage yard, either local or online, and ask about the cost of a good used item, which would be substantially less expensive than what I assume is the price VW are charging for a replacement.
    • Applied for and awarded by BY in Sept 2020 still not received it yet Comments appreciated
    • Hi Slick   I am not as experienced as you is there any thing in sar that i can identify. It does not state £2.5k debt in sar. It mentions new add ons.
    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
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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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If you have been successful in your claim with Abbey but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.

 

This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue Abbey themselves.

 

If you can't PM a mod for whatever reason then just reply to this thread.

 

IF YOU HAVEN'T WON DO NOT POST HERE. POSTS WILL BE DELETED WHEN THREADS ARE MOVED

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Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 3 months later...
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Hi All,

 

Just to give anyone still awaiting their claim a bit of a boost - I had a court date re Abbey on 11th of this month. I received a letter from the Abbey this morning to say they will SETTLE IN FULL. This includes the court money I had to pay and the 8% interest added making a total of £3611.50.

 

Just waiting for them to pay the money into my bank account now and I will make a donation to this site - what a FANTASTIC site. Many thanks.

 

So keep at it - it really does work!!!

 

Doubtfire40 x

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Thanks for that Doubtfire, I really needed to hear that as I am starting to get twitchy now that I`m filling in court forms.

 

Well done and enjoy the money!!!;)

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Good to know - I've been told by the court (when I put my claim in in December) that they are giving out court dates for March so hopefully I'll hear the same thing sometime late Feb! Hope so anyway! Congratulations & enhjoy!

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That's Brilliant News!!!!

 

CONGRATUALTIONS!!! What a lovely way to start the New Year!!!

 

I really needed to hear this news I am about to send AQ for Abbey case on Monday - so this is good to hear!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi All,

 

Just to give anyone still awaiting their claim a bit of a boost - I had a court date re Abbey on 11th of this month. I received a letter from the Abbey this morning to say they will SETTLE IN FULL. This includes the court money I had to pay and the 8% interest added making a total of £3611.50.

 

Just waiting for them to pay the money into my bank account now and I will make a donation to this site - what a FANTASTIC site. Many thanks.

 

So keep at it - it really does work!!!

 

Doubtfire40 x

 

Fantastic news... Jobs a good'un then.

 

Just a quick question.... How long after you started the cclaim in the court did it take? Abbey have to file defence by 16th of jan for me (they havent yet and its only a day away. Just want to know so I can plan ahead for any eventuality.

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I have a hearing date of the 16th Feb. I sent in the AQ and asked for disclosure but the Judge does not appear to have ordered this. In cases where Abbey paid out was it because the juge had ordered disclosure?

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  • 2 weeks later...

Hey travellingmap

Don't worry - you sounded like me a couple of weeks ago - I hadn't got a court date either - but then I got a check for the full amount owed!! Good Luck - it seems like a long haul but you'll get there - without court!

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For anyone worrying about going to court, don't worry! I was a bag of nerves waiting for my court date this coming Monday. Arrived home to a full settlement last night! They haven't got a leg to stand on, so keep going! Just make sure you follow the step by step instructions on this site and get all your bundle sent off to the Court and a copy to Abbey and hey presto, just sit back and wait. :D

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well done all do not know what i would do without this site it is fab.

 

i filled in the form for the samll claims court yesterday so the nerves have started, but i am determined to go all the way.

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please send them a data protection letter, with a payment of £10. you can go into your local branch with it but make sure you get a reciept. i sent mine on the 11th of jan and i recieved all mine including the micro fiche ones yesterday!!!! along with letters saying they would be in the post within a couple of weeks!!!! go figure eh!!! you will find the letters you need in the library on this site, you are protected by data protection if you do this and should get them back with in 40 days.

:oops::razz::confused:

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i just received a letter telling me they cant send me my statements cos they all been put on micrfiche, quite funny as they actually arrived yesterday. have now sent 1st letter so will wait now and no doubt they will send me a standard letter like they have my other half.

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Got a letter from Abbey this morning

no 50% offer just 100% + costs !

The Johnsons -v- Abbey Est Claim £2500

14/06/06 Request for statements over 6 years sent

28/06/06Received 12 months statements with Microfishe excuse

19/07/06 Sent Microfische Letter

24/7/06 Rcvd 2nd Fob off re Microfische from Pam Speed on 40 day limit.

01/08/06 Prelim letter for refund based statements (£1993.00 + interest) and estimated £3000 + interest for missing statements

14/08/06 LBA sent !

17/08/06 £680 refunded to my aco**** with no explanation -

24/08/06 LBA sent re Non Compliance S7 Data Protection Act

1/9/06 Abbey complaints refund letter received and ignored preparing N1

7/9/06 All microfiche copies received. Preparing N1

14/9 revised LBA sent

03/10 Litigation commenced

AQ 17/11 AQ returned

15/01 Statement of Evidence Lodged - Abbey Have until 12th Feb

Court Date Scheduled 21st Feb

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nice one!!!! how long from your initial letter did that take? :p

 

was it after only one letter or did you threaten court??:rolleyes:

 

i love it when a plan comes together:lol:

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Thanks for the reply, Still no sign of Abbey settling, It has been about 5 months since i first sent out the statment to Abbey regarding how much i was claiming back + interest. How do i send them a revised statment showing the new interest calculation to date, since i have already filed a claim for a certain amount, can that amount be adjusted at any time ?

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YEEEEHAAAA. Ive just had a letter through the post this morning. Abbey are settling the case out of court, paying back the full amount + Interest + Court costs. They also said that this settlement means that i cannot hold them responsible in any way?? "Whatever, the mere fact that Abbey are paying back the full amount means they are responsible! ". It feels good to win against the big companies :)

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YEEEEHAAAA. Ive just had a letter through the post this morning. Abbey are settling the case out of court, paying back the full amount + Interest + Court costs. They also said that this settlement means that i cannot hold them responsible in any way?? "Whatever, the mere fact that Abbey are paying back the full amount means they are responsible! ". It feels good to win against the big companies :)

 

How far from your court date are you ? well... WERE you :) ?

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Congratualtions!! Thats A Great Result!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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