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    • win or lose defaults/credit files are nothing to do with courts.   your lowells WS was very good and this one just a bit too sparse on what you are trying to say IMHO too many points just listing a diary even of this or that happening. might pay you to slightly change it and use yours to rip theirs apart.   like say point 4...load of ole waffle trying to hide the fact that the CCA hasn't come from Barclaycard at all but from their filing cabinet and is a cut n paste jobbie.   im also a bit sceptical about the default notice and IS it a copy, there a mailmerge line above the address box and it just doesn't look right. check the balance at that date ib their statements, does it match £36??   I also don't like their points 9/10/22 relating to it. they quote 2 sets of page numbers referring to where in the bundle its located?   21 don't forget to rebuff carey as not applicable   lastly. I believe that paralegal must be in court so they can be cross examined by you and answer questions? else it can't be referred too?      
    • I've done some work to the section I'll paste below. (obviously the section numbers will change) These points are all supported by EXHIBIT A1 which I will attach here.          ENTRANCE TO CAR PARK   1.            On [DATE] the defendant visited Pizza Hut with a party of friends. The defendant was not the driver of the vehicle. The vehicle travelled along North Ormesby Road, turned right onto Woodside Street and sharp left into the parking area in front of Pizza Hut. This is the most obvious and direct route to Pizza Hut. See Exhibit A1 for details.   2.      There were no signs pertaining to the claims of the claimant visible to the driver of the vehicle on the route set out in Exhibit A1   3.      Taking the route laid out in Exhibit A1 clearly results in the act of “parking”. It must therefore follow that the vehicle has “entered” the car park. This entrance must be located either at the point of leaving North Ormesby Road and entering Woodland Street or else it is at the point of leaving Woodlands Street and entering the parking area.   4.      These two possible locations of the entrance are shown in Exhibit A1. Whichever is the case neither location has a sign at the entrance to the car park. It is therefore not possible that the defendant entered into a contract with the claimant.   5.      Neither location that may be considered the “entrance” to the car park bears a sign erected by the claimant.   6.      There were no signs erected by the claimant visible to pedestrians as the party left the vehicle and entered Pizza Hut. Exhibit-A1.pdf
    • Just a quick update.   Erudio Student Loans returned my £1 postal order that I had sent them for the CCA request. They sent a letter saying "Thank you for your correspondence but your account has been terminated and is now with Dryden's Fairfax Solicitors."   Dryden's sent me a letter regarding the CPR saying that they are waiting for documentation from their client, and offering me a further 28 day extension to file my defence (I've already filed it - don't worry!) Dryden's then sent another letter acknowledging my defence and saying they would seek their client's instructions. I've not attached the letters as they seem fairly standard - but I can do if you want me to.
    • Is there a way I can stop these thieves though? id sure like to become anonymous!!   H
    • A SAR was sent to BPF which is what I received today, the CCA was part of that. (I actually forgot I sent the SAR and thought this was the CCA reply which it isn't)   I also sent a CCA request to Hoist which has not been returned yet. (The £1 cheque has been cashed)   Both were posted on 30/01/2020
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Hi i am pretty new to all this but am desperate for help .

 

I do have my self to blame but am so worried what the new charges will do to me in november .

 

I have had a halifax account for over 25 years now and say over the the last 8-10 years have used the overdraft facily .

At first it was only about 600 so wasnt too bad but then i could easily up it online no problem .

 

 

My finances spiralled out of control and upped the overdraft too 1700 so the fee was only a manageable 30 pound per month .

I then got involved with many payday loans and was also doing alot of online gambling .

 

 

this year i went from 1700 overdraft up to 4800 even though i only earn 1000 a month .

I have been refunded all payday loans interest and some written off through the FOS Wonga, Sunny etc .

 

 

At the moment i pay 99 per month in fees but this is too rise to well over 200 .

Under no circumstances can i afford this .

 

 

I think the halifax have irresponsible allowed my overdraft to go up knowing i only earn 1000 a month .

One night i increased my overdarft 4 times each 500 because it was so easy to do.

I am in financial hardship and it is worrying me sick .

 

I have not contacted the halifax yet and not sure what road to go down .

I am not very good with words and i worry alot .

 

I know i have brought this on myself with the gambling etc

but they should have a system that dosent allow you to increase if you dont have the money going in .

 

Just too add i have paid halifax over £3200 in planned and unplanned fees too date .

Not including their other system before 2010 were i paid alot of fees to them .

Any help would be appreciated

 

Thanks in advance

Ann

Edited by ams95655

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pers ann id get a parachute account with the co-op oline

and get any income you have paid in there

 

 

its your money

take control

deal with Halifax once you are sorted.

stop them blindly taking fees etc when you've no control

 

 

dx


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Thanks for your reply , but i am worried once i stop using the account that come november it will just keep escalting with overdraft fees .

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Probably but the only way y are going to take control of your money is to stop people helping themselves

it may well be that a large portion of the OD is unlawful fees and the interest they've caused.

 

 

25yrs is a long time


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just an update , they said they would reduce the overdraft from 4900 to 4200 the 700 being this years charges . i am still not happy and have now complained to the fos . today the neww charges scheme start a daily fee of 7 pound which i will never be able to afford .

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After a lot of correspondece with the fos i have now recieved this .

I wondered if anyone could help .

They say a £1 a month but that will never clear the debt , could they sell the debt on and land me in more troulble . any help much appreciatted .

 

Dear Mrs xxxxxxxx

 

I’ve now had a response from Halifax with regards to your income and expenditure form and complaint.

 

They’ve reviewed your income and expenditure form and have identified that you have a deficit each month.

Because of this they wouldn’t agree to a repayment plan of £40 a month.

 

Instead, the maximum they would accept is £1 a month unless your circumstances change.

However, you will need to contact the Collections team to discuss your options on 0808 145 0439 once your complaint with us has been resolved.

 

Moving forward, Halifax has calculated the charges you incurred from January 2017 until 11 December 2017 (when your account was placed on hold and all charges suspended). It totals £1,020.34 which they’ve rounded up to £1,100. They’ve offered to use this amount to reduce your outstanding balance on the account.

 

Looking at my previous recommendation, I now feel the above offer is fair as I only asked them to refund your charges and interest from March 2017 not January 2017. A hold has been put on all collections activity on your account and for your account to be fee free whilst we are looking at your complaint.

 

Please let me know your thoughts on Halifax’s offer and if you’d like to accept it or not.

 

Kind regards

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that'll do then

now simply pay IF you want oo

else ignore them

they'll sell it on.

might be better you don't pay

then atleast the SB clock will start ticking again.


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thank you , but if they sell it on would that not cause more trouble and courts and demands

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doubt it.

if Halifax are so confident you owe all the money

why don't they take you to court rather than sell it on?

they'd kill you in court

but they never do...urm.....


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Had to hide that

Ref no. Showing

However safe to ignore totally


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