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    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received a Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 so I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.     Documents.pdf
    • Will the real criminals please stand   Biden 🤣GUILTY on all counts    Come September remember Americans don’t like tax dodgers 🤣
    • You of course ignore the fact that Farage actually helped raise £100,000 so that WW11 Veterans could actually attend the celebrations    Meanwhile oh to be in France 🤣  
    • Damn!  Wikipedia is out of date. Good idea though to see if one of the shops can give you the landowner's details.
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macthemaths reclaiming charges against ARGOS


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Hi all,

 

I am going to send my preliminary request for repayment of charges to ARGOS.

 

I am tempted in my orginal request to include a charge of interest at their standard APR. I have used a spreadsheet that calculates the number of days since the charge and then applies interest at 25.9%APR.

 

Q.: Is it worth it in the prelim or should I include this interest only in subsequent claims?

 

Thanks for your help,

Chris

--

NatWest Bank

£394 refunded after an exchange of letter and the threat of court action.

Argos card services

Initial request for £XXX sent 05.11.06

No reply

LBA sent 20.11.06

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Well, I did calculate interest at their APR of 0.259 and added it in to my claim in the prelim. See what they have to say. If they do pay out at this rate of interest, I will have cleared the balance of my acount and then about £100 more on top to spend.

 

I'm thinking that at the pre-court stage, that they'll just offer enough to close my a/c. I'll probably settle for that.

 

Chris

--

NatWest Bank

£394 refunded after an exchange of letter and the threat of court action.

Argos card services

Initial request for £XXX sent 05.11.06

No reply

LBA sent 20.11.06

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you were right- you can only apply statutory interest at court stage (8%), if you are going for contractual interest, like me, then it can be applied from these first stages. keep up the good work and very good luck.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 2 weeks later...

Thanks to Sarah for the good wishes.

 

No reply from Argos, so LBA will be sent off tomorrow. See if they reply to that.

--

NatWest Bank

£394 refunded after an exchange of letter and the threat of court action.

Argos card services

Initial request for £XXX sent 05.11.06

No reply

LBA sent 20.11.06

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  • 2 weeks later...

They have replied now. They dispute the amount I am claiming but have offered an amount as the usual "good will gesture".

 

I'll reject, accepting the offer as part-settlement and offer them one more chance to settle before I claim in the courts. I know this delays things, but it worked nicely in my NATWEST claim.

 

Fingers continue to be crossed,

Mac.

--

NatWest Bank

£394 refunded after an exchange of letter and the threat of court action.

Argos card services

Initial request for £XXX sent 05.11.06

No reply

LBA sent 20.11.06

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  • 3 weeks later...

Can anyone please offer the correct address to send SAR and letters to.

 

We sent it to

Data Protection Compliance Manager

Argos Limited

489-499 Avebury Boulevard

Central Milton Keynes

MK9 2NW

We got a letter saying that Argos do not operate credit accounts for customers and that they are unable to identify our account number?.

They did attach a DP2 form to fill in so they can investigate, and returned our cheque of 10.00. We are to return the form to:

M. H. A. Willis

Data protection Compliance Officer

Home Retail Group

489-499 Avebury Boulevard

Milton Keynes

MK9 2NW

Is it a stalling tactic, or do a different company operate the credit fascilities they provide to argos additions catalog?

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

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  • 3 weeks later...
  • 3 weeks later...

Hi Mac,

 

Any updates? I'm awaiting a resonse to my final LBA at the moment.

 

Maangov

__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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