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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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fairhead

Overdraft sold to Cabot

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Hi,

 

I've had a letter of assignment from Cabot for a overdraft which defaulted 2 years ago. It was an old student account turned graduate account that I stopped repaying when it went from interest free to £90/month.

 

I'd just like to know what, if any, my options are? I calculated that about a third of the balance is made up of interest and charges. I disputed these with the FOS recently and they didn't uphold my case despite proof of them causing financial hardship.

 

I can't make any payments atm because I'm out of work. Are Cabot likely to serve a CCJ claim on me quite quickly or do they hold off for a while? This won't be statute barred for another 3 and half years so I doubt they'll wait that long.

 

Is ignoring them the best policy in the interim, or do I tell them I'm broke and unemployed, or just go on the defensive and start requesting all the documents etc?

 

I'm aware overdrafts aren't covered under the CCA so they don't have to provide any agreement, is that right? What about the terms and conditions under the CCA 2006?

 

Sorry, so many questions. I just don't know how best to approach this.

 

Thanks

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is this your Lloyds one in the other thread

if so

pers i'd sit on your hands

 

 

how much are they after

how much with interest is maladministration charges


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I'd rather not give the amount, I know debt collectors read all these forums.

 

But I worked out the o/d fees and interest charged makes up a third of the balance.

 

I've already complained about them phoning non stop but had no reply. Just the continued calls and texts all day long.

 

Would a 'prove it' letter help? Just to buy me some more time? Ignoring them isn't working.

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Don't play secret squirrel won't help you

 

I'd let it run


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Don't play secret squirrel won't help you

 

I'd let it run

 

For how long? I've seen that they are very aggressive with regards to serving court claims. A CCJ isn't going to be ideal... but you reckon ignoring them is the best advice?

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Well no they are not aggressive

Just issue 1000's a week hoping for default judgements

Don't ignore a clainform mind

 

But with the history you relate too

They'll have a hard time with your case

So prob won't bother

 

Keep us informed

 

Just remember

They are not bailiffs

And have no greater legal powers than you or i


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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