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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • 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, 
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Claiming From 1991 To 2000 The Fight Begins


livelylad
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hi can anybody help me regarding moneyclaim I've filled all in and paid (online) now it says claim issued 22/12/2006 and where it says judgement it says start................ do i press this or allow 14 days first I'm confused??????:? :-?

 

Ok from the date of issue its five days for the claim to be deened served.They have to acknowledge the claim in 14 days if they dont you can file for judgement, if they do acknowledge they the get a further 14 days to enter a defence. Total 28 days from the date the claim was deemed served. you can not apply for judgement until those dates have passed, the button will do nothing until they have expired.

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im just filling in my questionnaire for court, claiming over 6 years. Do you think the below is fine and have I missed anything out???

 

 

I am respectfully requesting that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is (in common with the 100s of other cases currently being brought by other bank customers) that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. I believe this would bring a rapid end to this litigation.

 

The Defendant has entered a defence on 21 December 2006 which I received on 27 December 2006. The Defendant asserted its rights under Section 5 of the Limitation Act (1980) but offered to refund charges levied on the Account between November 2000 and November 2000. I decided not to accept this offer for three reasons:

 

· The Defendant had not complied with my S.A.R dated 11 August 2006- (Subject Access Request) and I had no means of validating the charges applied to the account. I had to report the Halifax to the The Information Commissioner's Office on 30 September 2006. Within a week I received all the requested information.

· The letter is internally inconsistent in asserting the Defendant’s rights under the Limitation Act whilst offering to refund charges levied more than six years ago.

· I do not consider that Section 5 of the Limitation Act places a restriction on this claim.

 

If the charges are time barred by virtue of Section 5 of the Limitation Act (1980) then I contend that he Defendant has concealed, and continues to conceal that the charges debited are unlawful. If this is not the case, and the Defendant truly believes that these charges are lawful, then I contend that the Defendant is mistaken. As I only became aware during July 2006 that the charges debited were unlawful, then section 32(1)(b), or section 32(1)©, of the Limitation Act 1980 should apply, and the charges debited are therefore within the primary limitation period.

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Do You Think If I Put This In Stands In Good Stead?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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I would start a thread and then pm members a link to it who have similar claims ongoing, that way we can all help each other and threads don't start to get confused.

 

And yes i think you've a good chance but bear in mind this is all experimental.

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An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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my link to my thread is

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/44416-wilkins-halifax.html

 

I would appreciate all the help in the world with this one!

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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when i first posted on this site in june, i expressed regret that i wuold not be able to claim against nat west, as between 1986-1993 they made my life a misery. so, to say i am watching you with interest is something of an understatement.

best of luck

regards kevluff

 

Sori 4 butting in here in this thread, but I so concur - ditto, NatWest made my life hell from 1990 onwards. If u pursue them, would you pls keep me posted as I am surfing threads currently to start my claim. Good luck with yours!

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Can any1 suggest from where to request statements goin' back older than 6 yrs. I know the bank address but dont know whether older statements should be addressed to the branch and those within 6 yr timescale to Bishopsgate address.

 

You should be able to get this by sending a full SAR to the head office.

 

Tanz

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Can any1 suggest from where to request statements goin' back older than 6 yrs. I know the bank address but dont know whether older statements should be addressed to the branch and those within 6 yr timescale to Bishopsgate address.

 

 

im claiming back to 1990 and i obtained all statements through the post from them. I think I had the full rainforest through my letterbox in 2 days but got them all.

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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After reading this and the other related threads I am going to not only claim the charges going back to 1992 on my husbands account but claim contractual interest. I will need to send a new LBA with a spreadsheet of the interst calc. I have checked on the link on page 8 of this thread 6. Interest calculation spreadsheets but can only find the 8%. I know Im not the brightest spark so can someone help me find the right spreadsheet?

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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After reading this and the other related threads I am going to not only claim the charges going back to 1992 on my husbands account but claim contractual interest. I will need to send a new LBA with a spreadsheet of the interst calc. I have checked on the link on page 8 of this thread 6. Interest calculation spreadsheets but can only find the 8%. I know Im not the brightest spark so can someone help me find the right spreadsheet?

 

 

Use the spreadsheet in vamps chamber. It is marked up for contractual interest compounded.

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

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After reading this and the other related threads I am going to not only claim the charges going back to 1992 on my husbands account but claim contractual interest. I will need to send a new LBA with a spreadsheet of the interst calc. I have checked on the link on page 8 of this thread 6. Interest calculation spreadsheets but can only find the 8%. I know Im not the brightest spark so can someone help me find the right spreadsheet?

 

Thanks for the PM, livelylad has posted it above, but in case you missed it i have PM'd the link to you for your info, in response to your PM.

 

Tanz

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  • 2 weeks later...

any news on this?

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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  • 3 weeks later...

now subscribing

just started my claim off http://www.consumeractiongroup.co.uk/forum/abbey-bank/57977-newbody-abbey.html#post485027

 

so just getting data at minute but i will be looking at going back past the 6 yr mark as well with my claim

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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  • 4 weeks later...

Any news livelylad ???

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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  • 2 weeks later...

Most important one.....Read!! Get as much knowledge on board from fellow claimers as you can. This thread is a good place to start ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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100%WHu

Try this as some reading.

You should also do a web search on Statute of Limitaions Act, and refer to it (particularly sec32)when breading.

http://www.consumeractiongroup.co.uk/forum/general/3598-do-you-have-charges.html

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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