Jump to content


  • Tweets

  • Posts

    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Scooterist007 vs Woolwich


scooterist007
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6245 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi I'm a newbie as awork mate put me onto this site, and an excellent one it is! My first claim is with the woolwich, I sent out a a data protection act letter on the 29/09/06 and I received a list of all my charges. Sent a LBA today for £2700 so expect a sorry your unhappy letter soon!

 

I will keep you all posted

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

Phew I didnt add my 8% lol, i suppose its just a waiting game now! I just wondered though, I am in arrears with them, I had a £500 overdraught, and I changed banks because I wasnt happy with them, I was -£490 and then the woolwich allowed aol to take out £17.99 from my debit card, which put into the red, so they then charged me a £30 fee for using my card and charged me a unathourised overdraught fee, then a month later they allowed aol to take out another £17.99 and even more charges! now when i opened up my new account i transfered my wages to be paid into my new account, and i transfered all my direct debits and standing orders but forgot about my payment to aol. now when I transfered my account I just destroy all the letters that had 'woolwich' written on the envelope, it wasnt until I got a letter from a collection agency I realsied what was going on and now they say I am -£900 in arrears, Now my question is, the £2700 I am reclaiming, will that go on the balance of -£900 or just the £500 overdraught if you get what im saying!

 

Reguards

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

I presume that the £900 overdraft includes all sorts of charges and interest, if the only time you have used the account is for your monthly AOL ddm.

 

Have you included all these charges, and the interest that the charges have cost you, in your £2700 claim?

 

If you have, then yes, they will almost certainly look to clear the overdraft balance, and send the remainder to you

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

Link to post
Share on other sites

im not sure, I just added up the charges listed on the sheet that the woolwich sent me, so I suppose so!

 

I got a letter on the 06/10/06 from the woolwich saying the usual blurb about sorry you feel let down on this occaison blah blah blah and we aim to resolve this matter by 03/11/06. and sent me some burb about not holding back on my feedback!

 

well they got a shock if they think i am waiting til the 03/11/06 for them to resolve this lol

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

I got a letter on saturday stating that my complaint has been handed to barclays head office and I should send all letters to them!

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

  • 3 weeks later...

Right then, I got a letter from Barclays saying things along the lines of 'we are sorry you feel the bank charges are unfair blah blah terms and conditions blah blah'

but we are going to give 1000 pounds back as a good will gesture!

 

Now I'm not accepting a grand, I want the full amount, but what do I do next, I read through other posts of people accepting these first offers as part payments but my letter states 'in full and final settlement of you complaint'

so if I accept this offer in part payment, will I be able to pursue the rest?

Also to claim the rest, do I send out a LBA or do I phone them up?

 

many thanks

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

Hi Scooter

 

Write back using this template - just fill your details in.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

They will probably not even bother writing back so you will then be onto the MCOL stage once the 14 days are up.

 

Don't bother with any phone calls - it aint worth the time!!or effort!!

Follow your timescales - NOT THEIRS!!

 

I am sure you have read them but do read and follow the procedures in the FAQ's

Good Luck fellow Barclays Basher!!

NatWest

01-08-06 - Request for refund sent etc followed by all the other nonsense!!

18-10-06 - Settled in full - DONATION to site made:)

Woolwich

01/08/06 - Prelim letter sent

03/08/06 - Acknowledge letter received from Woolwich

18/08/06 - 2nd letter from Woolwich

21/08/06 - Acknowledge letter received from Barclays

13/09/06 - Offer letter received

19/09/06 - Confirmed I will settle at my amount sent

06/10/06 - No reply so LBA sent

02/11/06 - MCOL filed

21/11/06 - Acknowledged rec

05-12-06 - AQ rec & returned

23-03-07 - Court date!!

 

Capital One x2

16/11/06 - S.A.R Rec

Wifes Capital One x 2

18/11/06 - S.A.R Rec

Link to post
Share on other sites

write back tell them youll accept their offer as an interim payment but will be pursuing them through the courts for the remainder theyll swiftly with draw their goodwill gesture so you just carry on and issue your claim !

if my advice has been of any help to you then please click the scales ! Thank you :D

Link to post
Share on other sites

Right sent today LBA and stated I wouldnt accept £1000 lets see what happens!

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

  • 2 weeks later...

Right it is the night before the deadline! I have regesterd with mcol ready, but I dont hold much hope in barclays responding by tomorrow lol so it looks like im going to get more money than i thought! :cool:

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

  • 3 months later...

hi folks, I have been a bit slack lately, with christmas and everything, and also work is a bit suspect lately, I havnt had the money to take woolwich to court, but I have been saving my pennies! and now think i might have enough spare cash, but how much is it going to cost me to take woolwich to court? any ideas?

 

Thanks

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

hi, thanks essjaysea,

 

also I sent a lba sometime ago, can I still continue with the mcol? like i said I have had money problems and couldnt afford the court fees

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

Hi Scoot! I was all ready to go for it before xmas but couldnt afford it either so paid the fees bout three weeks ago and theyve acknowleged the claim. Just calculate all the charges on the spreadsheet to give you an up to date figure and file on MCOL and kick some ass!

 

Good luck! Not that you'll need it!

:confused: babygclare
Link to post
Share on other sites

hi baby and thanks, well good luck to you too :D

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

  • 3 weeks later...

Hi Scoot! Whats the latest? any progress? The 28 days to defend is up on Tues with my claim so just waiting at mo. Have you filed with MCOL yet? Its worth the being el skintos for a bit to know your getting somewhere.

:confused: babygclare
Link to post
Share on other sites

  • 2 weeks later...

hi baby, well funds are tight so just getting the money for mcol and have sent barlcays the letter saying i will take the £1000 in part payment!

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

  • 3 weeks later...

Hi, I received a letter from barclays today saying sorry I was unhappy with their offer of £1000 and have now offered me £2000! and I am thinking about accepting it!

Claim Woolwich

Data protection act letter sent 29/09/06

List of charges received 04/10/06

Claiming £2931.66 inc 8%

PreliminaryLetter sent 05/10/06

31/10/06 Offer of £1000!

LBA sent 07/11/06

 

Claim More Than credit card (Lloyds TSB)

Data protection act letter sent 29/09/06

Another Data protection act letter sent 03/11/06

 

Claim Captital One credit card

Data protection act letter sent 07/11/06

Link to post
Share on other sites

Hi, I received a letter from barclays today saying sorry I was unhappy with their offer of £1000 and have now offered me £2000! and I am thinking about accepting it!

 

how much is the shortfall? pesonally i would hold out for the lot

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...