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    • its better you put letters up as a PDF please  read upload that way you have to be a member to download them and we can see if the enemy are looking at your thread.   but anyway yes ofcourse you ignore that its nothing more than a threat-o-gram.   I could recommend a washing powder to my wife if she buys it or even listens to me is a totally different matter
    • retitled and moved to the HFC forum plenty of like stories to read here.
    • Hello everyone. Another letter for IDRww today. I have attached it. Please could someone put my mind at ease or advise? From all your advise before- I assume I still ignore. They are saying they are now going to advise their client to refer to solicitors.  Thank you Lou
    • Hi all    Long story short, I am South African living in the UK for the past 6 years. Roughly 4 years ago, I went to Thailand for a 3 month holiday. That was cut short due to O2 taking money out my account including clearing out my overdraft, roughly £2200. At the time I had no idea it was O2. I thought I had been robbed. Any way turns out, there is a overseas tariff for using your contract overseas?! I never knew about this, nor was I told or sent any updates regarding my usage in Thailand. The total bill they say was £8000 and some change!!!!! I cancelled my contract, with immediate affect and said I was not going to pay this. They then sold there debt to Lowell's. I have asked for a CCA, unfortunately I did it by email! Not sure it's still valid if it's done by email? I got a response saying, they received my email but unfortunately they need me to send my name address etc. Which I refused as worried it would make me look like I acknowledged the debt! Since then I have heard nothing, until today. I got a letter of pre legal assessment. Now the question/questions are. What do I do? Do I send a written letter requesting the CCA again or do I not? Worried if I ask again then this will give them more time to acquire the CCA request. I need this out of my life, as I am wanting to buy a business next year. I am worried as it's reflecting on my credit score. This has been a nightmare. Any help would be greatly appreciated. 
    • stop paying  they'll never get an enforceable agreement back for a MBNA HFC GM card of that era they were all shredded in the late 90's when PPI reclaiming really took off.   have you checked theres no PPI on your card? as I bet there was..
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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Let's see what they say ! Can't say I am holding my breath on their first reply though !

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MINT Classic Card, MINT Gold Card 0870 410 0870

 

MINT Platinum Card 0870 908 0000

 

Customer service address:

 

MINT,

Customer Service Centre,

PO BOX 6050,

Southend-on-Sea,

SS99 1WL

 

Under financial pressure or circumstances have changed? Let us know as soon as possible so we can help 08701 541 825

 

They are owned by Royal Bank of Scotland whose CEO is Sir Fred Goodwin.

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LBA sent today recorded delivery. Only £180, Not bothered if they reply or not, wouldn't mind seeing them in court !

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Let us know what happens! :)


25/06/08 - NatWest - Prelim letter

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update,

 

still no response to my first request or the LBA.

 

The 14th day for the LBA is tomorrow and I should be filing in court on Friday, can't do this until Tuesday at the earliest anyway as I am away this weekend.

 

Should I drop them a line to remind them that time is nearly up ?

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Further update, no response from Mint so called them to see what their intentions are. The lady said she would get somebody to call me back. I was not rude but did confirm to her that if matters are not resolved by the close of business tomorrow then I will file papers in court on Friday (even though I can't make it until Tuesday)

 

Will let you guys know if and when they call back !

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Surreyscouse after plenty of waiting i got a flat denial from them, i am half way through waiting for their response to my court claim.

 

Good luck with yours i will keep you informed.

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Can I claim back estimated interest accrued just on charges ?

 

For example a £20 charge 2 years ago would have interest added on to it, can i claim the interest back as well as it is a direct result of their charge ?

 

Only just thought of this so am I able to add it on to my ongoing claims ?

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Yes, that would be fair, and can happen before court action (so long as you can produce a reasoned estimate).

 

It's totally separate to the 8% interest added at court, which would also be added to these charges.

 

EG

 

Charges total = £500

Interest total = £67

Claim now....

 

AT court

Charges total = £500 + 8% interest @ £130

Interest total = £67 + 8% interest @ £9

 

That sort of thing.......... :D


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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ok, been a while as I have another complaint with MINT.

 

what they have agreed is to freeze interest on my account if I pay a regular monthly amount which is fine I can do that. They then turn to my letter regarding charges:

 

Turning to the comments raised in your letter of 20 April, we believe that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products. Therefore, the charges that have been applied to your account will stand.

 

Should I just go through the motions of issuing proceedings or accept their payment proposal and then issue them or accept their payment proposal and at the same time give them a further 7 days in which to refund them ?

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Sorry, just had to write something in here in order to change the thread title

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This has come up on another thread somewhere but on Credit Card charges the charges are added to the outstanding totals I believe. Someone has said cards do not charge interest on charges - I'm not sure. But their interest rates are charged the next month on the balances surely at interest rates circa 20%. Can anyone tll me if when calculating these charges the interest should be added not at 8% ( when claiming via a court) but at the 20% ish they have charged on the monthly balances. I am a bit confused on this one.


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Not a lawyer! Highly theoretical! Have some salt to hand!

The theory goes that because contracts are supposed to be mutual, equitable, voluntary and reciprocal, if they are charging you 20ish% interest on money owed to them, you could argue that they are "borrowing" money from you, and all you are doing is calling that debt in, with interest. You *should* be able to add interest at that 20ish% rate, and if it gets to court stating 8% as an acceptable alternative. Note: this is not adding 8% to the already-calculated 20ish% interest, it is stating 8% or 20ish%, and the 8% figure is only when it gets to County Court.

 

You should now add a pinch of salt to the above. I make no guarantees that it's correct, and it is still theoretical, and to the best of our knowledge untested.

 

The safest option is to add only interest that has been charged on the balance (spreadsheets in the Library to calculate this), and save the 8% calculation for court. Try the 20ish% option immediately (i.e. before court) only if you're feeling confident. You never know, it may make you look reasonable in court to appear willing to accept a lower figure.


HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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I am only allowed 1080 characters on the form. I think I may exceed this if I put all of the details in.

 

Do I just sort of bullet point my claim and then liase with the companies solicitors or just go through it in court.

 

What I am saying is how in depth does the form need to be. This is a breach of DPA claim and possibly clearing the debt as they have not supplied a signed copy of my credit agreement.

 

Any ideas guys ?

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First of all you cannot use Moneyclaim to bring an action for DPA compliance. Please read the FAQ and template on this. There is a fairly specific wording that you should use. You need to use the N1 form and take it a county court. They will probably try to get you to submit the claim on a different form. However, it's essential that you do it on the N1 as you could otherwise make a non-small claims track claim.

 

You cannot bring an action for them not providing a copy of the signed agreement as such. It's a criminal and not a civil offence. However, it may be helpful in getting the alleged creditor to go away. Please post some more details of what you are trying to achieve here.

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How long after a summons bein issued is it deemed to have been served ?

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Through MCOL? 2 working days, if memory serves.

 

.

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Just seems to be a flat 6 days regardless of weekends and bank holidays in my experience.

 

I issued a claim against my bank and there was a weekend and bank holiday in between. Claim issued 26th, served 31st.

 

Issued another claim against an individual on the 5th and received a letter saying it would be served on the 10th. That's issued Monday, served Saturday!

 

Either way, Northampton CC writes to confirm date of issue and date of service anyway.

 

Hope it helps.

 

OC

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yeah,mcol. did it yesterday and today it says issued

 

That was quick... They must have taken on extra staff to cope with all those extra claims!!! :p

 

.

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All claims submitted on any given day are processed and issued after 10am the next working day. If you get in early enough before around 9am) it can be issued same day.

 

OC

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thanks guys, i'll keep checking, so there is no way they can not serve it now it's been issued ? Does issued mean it is actually on it's way to the bank ?

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