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    • Are we to assume that the asthma is not new and your employer fully infomed about this. 
    • right so you being abroad or informing SLC you were Abroad as the last address plays no part in this at all, thread title updated. total red herring.   your case is the same as numerous ones here already which you need to READ  type in erudio backdoor CCJ in our enhanced google searchbox. get reading a good few of the threads that search points you too.   your mistake is you returned to the uk, you failed to update your debt owners of a change of address as legally you are obliged too, and you got a backdoor CCJ.    your issue now again is the same as most of the threads you'll read, your SLC loans were last deferred to SLC before the gov't sold them to erudio in 2013. that means that the court claimform was issued more than 6yrs after your last written acknowledgement of the debt and thus was already statute barred.   can't see any point in an SAR to anyone.   just ring northants bulk and quoting the CCJ number from your credit file ask for a copy of the particulars of claim ANd the judgement CCJ by email pdf   dx  
    • and neither can drydens hence their twaddle.  and you need to remember that places like cab and ndl etc are funded by the banks and the DCA's in commission payments for signing people up to dmp's without ever questioning the debts enforceability under the cca 1974.   your n244 already has the background..   The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.        
    • there is alot of twaddle in that template appeal letter that originates in paragraphs of various letters found on many alternate websites heavily into common law,  FmOtL and sovereign state stuff. i suspect that, luckily, any successes to date came about because of the other correct arguements it has merged into it.   the classic signs of their incorrect arguments always revolve around:   intimating that speculative invoices are somehow a PENALTY Charge, thus anything the PPC does wrong will suddenly become a serious ILLEGAL Criminal matter in a magistrates court, a bigger stick to hit them with.   Sadly PPC's and any kind of compliance issues under UTCCR and CRA 2015 consumer codes are only unlawful, a Civil matter in the county court and the authorities that would be involved in such compliance issues, the FCA, the FOS and the ICO have never got involved in any private parking matters to date. There is also no evidence of any code non compliance ever being legally tested nor playing any part in any of the county court PPC success cases to date. their need for code compliance is a total red herring.   the other classic give away is the same spelling mistakes in all versions - like weather not whether.   can you post up the answers to our template questions as text here not a docx ...thankyou.
    • Hi   This also bring into question exactly what Risk Assessment was carried out by your Employer before and during these works for the Employees working in that environment during these ongoing works.   If they ever did try the disciplinary route due to your asthma attacks the one thing I would be asking for is that Risk Assessment that was carried out before and during the refurbishment works
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Starting the Ball Rolling


kaznelson
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Received details of my charges today.

 

Sent letter requesting refund of all charges £170 within 14 days

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

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  • 4 weeks later...

I CANT BELIEVE IT!!!!!!!!!!

 

After sending only one letter to Smile I have received a reply saying they will refund £350 immediately!!!!! They had taken into account charges debited from my other accounts as well

 

Now all I need is for Barclays to pay out the £4k they owe me

 

Donation to the site now on its way & a BIG FAT KISS X

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

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Hey well done :) Good luck on the rest of your claims

 

Just wondering....but don't know where to post my query!!! How did you initially start your request to claim your cash back.... Was it a direct letter to your specific branch, or to the head office?

 

Im looking to claim a recent bank charge back ( only wee money, but it's mine:-D ) but didn't know how to start rolling that ball rolling. Can you help? :???:

 

Ta much

 

Smiler :-D

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I sent my initial letter to their Head Office at Balloon Street, Manchester

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

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Have you completed our settlement survey?

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We have gone over our agreed overdraft limit, Lloyds TSB charge us £30 and charge us that amount each day our overdraft increases by £30 or more and they will do this up to a maxiumm of £90 each month. When we borrow more that the amount we agreed they charge us a highter rate of interest, which is currently 2.20%, which works out an equivanlent annual rate (EAR) of 29.8%.

 

We have always had an overdraft limited and many times have gone over our agread limit each month, we pay an over draft interest fee and an account charge each month too.

 

When we phone them they are more than happy to increase our overdraft limited, this puts us into more debt as we never can get out of this and end up paying charges that we can't afford.

 

Do we have a case? or are they within their rights to do this to us?

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  • 2 weeks later...
Have you completed our settlement survey?

Yes I have

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Barclays - £4k - Hearing Date 19th Sept 06

Smile - £370 - Refunded in Full

Capitla One - £100 LBA 25/5

Virgin ? Data Protection Act 25/5

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