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    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
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Cap1 & CCA return


tamadus
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My bank are in criminal default of my CCA request because they haven't supplied the terms and conditons etc and have written to me saying that I am still liabole for the debt and they will write to me seperately to explain.

 

Any ideas ?

 

They are right Un1 the debt still remains, only problem is they cant enforce it without a court order and to get that they need the agreement.

 

I'd write back (when you get their fairy story explanation) telling them you will be happy to pay the debt when a Judge tells you to and not before. Might be an idea to ask why they can't just supply the documents instead of you having to collect them from the court during the hearing :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I have found the template lette for ERC charges but is there anything that wold cover unlawful MIG (or just stating insurance and can be adjusted)?

 

MIG is a tricky one IMHO Maybelline, as you know I am arguing this on my ex wifes behalf with her mortgage company. It looks like they charged her about £1400 for it and then paid the broker £850 of it in commission just for the MIG portion. He got commission for the mortgage itself (about £300) and for the life insurance (about 600).

 

I'll post more on this as it develops.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Just subscribing to this thread - it's taken me two days to read through half of it at the moment. Just a quick question to the Terminator - how did MBNA resolve your S85 default? I haven't got to that bit yet?

 

 

telling the final twist in the story before you read the whole book is banned :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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thanks tamadus, I am challenging MIG because it was a secured loan (approx 5k) against a property with a very small mortgage and high equity, so dont think it should apply at all (?) posted earlier on this thread re this problem, so no broker involved because the lender just whacked it on the agreement on top of arrangement fees.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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MIG usually applies if your borrowing more than the loan to valuation percentage.

 

If the property had more equity than you borrowed then it shouldnt have been applied.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Guest Battleaxe

Oh boy, has this been an interesting exercise.

 

I did a spreadsheet out of curiosity regarding Section 85, working out the interest from November 2003 and it has come to a whalloping £2,385.95. Now if I add the contracual interest rate 24.90% to that it comes to £3,509.93. Wonder how I would word an N1 for that claim?

 

I am enjoying this more and more. i have to do the Crap One cards tomorrow.

 

I hope two banks choked on their morning coffee when they got my letters this morning serving the Section 85's on them.. now the clock has started ticking...

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Battleaxe - have a look for a thread with Melaniebree - I am sure she recently did a claim with something like this (sorry if I am mistaken - I read so much on here) I am sure Melanie used something different than an N1 to do this stuff with as she wanted a default removing too I am sure. - she may have had the CCA/SAR stuff in with it - which was why she did it the other way - she was "happily" settled out of court I am sure.

 

Like you say it soon adds up?? Sure would start some tickers going wouldn't it? Blimey they'd soon need something in their coffee!! :D

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How do you work out how much interest to calim back for a sec 85 request? By looking on the statements?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Oh boy, has this been an interesting exercise.

 

I did a spreadsheet out of curiosity regarding Section 85, working out the interest from November 2003 and it has come to a whalloping £2,385.95. Now if I add the contracual interest rate 24.90% to that it comes to £3,509.93. Wonder how I would word an N1 for that claim?

 

I am enjoying this more and more. i have to do the Crap One cards tomorrow.

 

I hope two banks choked on their morning coffee when they got my letters this morning serving the Section 85's on them.. now the clock has started ticking...

 

Battleaxe - Ive just read your signature. In it (at the bottom) you state that you have CCA req two on 6/1/07. And that you have sent compaints to the OFT.

Errrr, the lender has 2 + 12 working days and then 1 calendar month to respond before you can do that - ot at least thats how I read it?!?!?!

 

Are you sure you have that right?

 

Please explain if Im wrong!

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Guest Battleaxe

Fully skinted, they are out of time 12+ 2+30 is correct. So I got in my OFT complaints when they after they got smart and sent me back T & C and a purported credit agreement for ME to sign and return to them Typical stalling tacts and feigning to misundertand my request. Decided to put a fire under them and yesterday I get a letter being threatened with Reliable Collections, so sent a missle back thanking them for affording me the oppoertunity to claim further compensation by their intransigent attitude. I also asked them to refer to thei legal department if they failed to understand the content of my letter

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Guest Battleaxe

UnIboy,

 

The interest is listed on every statement with the date this interest was applied, so it was easy to follow and work out. i used one of Vampiresses spreadsheets (No 2) and for the heck of it used the contractual interest for this exercise

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Guest Battleaxe

Tried to search and that is turned off, so decided to change my avatar, that facility is turned off, so I am off to the hairdressers for pick me up, hopefully when I come back things will be turned on again. I did make a donation this week, honest guys...

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Guest Battleaxe

Fully skinted, I sent the original CCA request off 3 December, they took a month to reply so I sent them a reminder on the 6 January 2007 after they sent back a credit agreement for me to sign. This was the basis of my complaint to the OFT, that they are stalling. There isn't a credit agreement in existence for either of the accounts, this why they cannot provide them. Maybe I should have made my sig more clear; we are only allowed so many characters so I was trying to be concise. So whatever way you work it, the cunning little devils are out of time

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Ahhh. I see :)

 

One of mine wrote back pretty quick saying no CCA in their archives. Im giving them the full +30 calendar month now to see if they change their mind...

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Guest The Terminator

Now Mbusa have threatened to default me on the 31st January which happens to be the day they commit a criminal offence.You may call this cagey but they are going to get hit with an LBA on exactly the same day as they issue a default so they won't only choke on their coffee next Thursday morning but throw up as well

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Guest Battleaxe

Mbusa legal eagle (Bill Wareing) and I had a discussion this afternoon. they got my Section 85 default yesterday, he said I couldn't default them, so I just said watch me. We have reached a settlement on the non-compliance and I am £200.00 richer,plus court costs, told him I would notify the court once I had the cheque safely honoured in my bank account. We discussed the charges still to be filed, they don't want the agony of the Court room, so have to ring him next Thursday to see what they are offering.

he is very uncomfortable about the Section 85, he did ask how much was it going to cost them, so when I told him the figure, and the compund contractual interest. I think they are going to have some uncomfortable discussions in the ensuing weeks, seeing they have been in breach since November 2003. He also asked how I found out about Section 85 and I told him that I have a copy of the Consumer Credit Act and have plenty of time to read then spoke to some very wise men. I am going to get a pimple on my tongue for that fib.

 

I also reminded him about the Credit Agreement request that they in defualt of now and he said he is not sure they can find a properly executed one, so I just teased him and reminded him what a fine mess A & L have landed them with. Tam, this is so enjoyable.

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Now Mbusa have threatened to default me on the 31st January which happens to be the day they commit a criminal offence.You may call this cagey but they are going to get hit with an LBA on exactly the same day as they issue a default so they won't only choke on their coffee next Thursday morning but throw up as well

 

 

Mr T - they cant issue a default in the + 30 days. As of the 12th day the account is HELD with no interest to be added, no adverse credit references/marks and no defaults or DCAs involved.

 

WTF are they playing at?

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Terminator -

Just getting around to raising S85 against Amex.

 

'To correct this, consolidation must be made within 1 month of this notice.

 

If the correction required by this notice is taken before the date of expiry of this notice then no further action will be taken in respect of the breach.

 

If the action required by this notice is not taken within 1 month of this notice then the default will be registered with a credit reference agency.'

 

Question: what does Consolidation do? ie to me it sounds like you have to add up values into one value.

Question: What do you register with the two credit reference agencies? that they in Default on your account under S85? Isnt this likely to give YOU adverse credit IF finance companies start looking for folk like us?

 

thanks

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Can we clarify here -this thread is so huge it's getting a tad difficult to decipher! Is it established (re: S85) that a credit card is in fact a Credit Token? Is it also established that a new agreement should be sent out with every re-issued Credit Card? And is it established that if a new agreement is NOT in existence then the CC isuer is in default? If all the answers are yes, then this is SUCH a goody!!!!!!!!!!

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