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    • **IMPORTANT**   Your first request to a company for information is never chargeable. It is only subsequent requests that are chargeable if there is no fault on part of the Data Holder (IE - They included everything but you have requested more that should have been requested 1st time round.)
    • Can I see the loan docs? It should have a company number and everything. Remove personal info.
    • Vollah - Fill me in and send SAE & Email the below;       Jes is big boss. Matt is head of UK Retail Banking. Michael is head of Compliance and will have a vested interest to resolve this for you as Barclays havent been compliant.    Caroline is head of the FOS - She should also be notified so it gets filtered down to her lower teams.    You are done messing around at this point. However do NOT send this unless you are prepared to go Legal on it. Barclays LOC.docx
    • she  has just shown me the loan agreement  and the company is regulated, all laid out      decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking:   I told her to sort it out herself as got enough to do myself, sorry
    • I'm a little confused. You have told us that you served an SAR on 9 January and you have heard nothing other than acknowledgement until yesterday when they told you that there was going to be a delay. However, elsewhere you have told us that they contacted you and demanded a £10 fee. Please could you clarify this.   I see that you have made a complaint to the ICO.  The only problem is that since GDPR, the timescales for the ICO dealing with consumer complaints has increased catastrophically.   If you make a complaint to the ICO, you will have to break their arms in order to get a reference number and then eventually when you do, they will then inform you that after the issue of the reference number it will take anything from six weeks to 3 months before the complaint is even allocated to an investigator.   Before GDPR there was a much smaller level of complaint, you would normally get an email within six weeks expressing an opinion that such and such company were unlikely to have complied with their data protection obligations.   Personally I think the GDPR has backfired. I don't think it has changed anything other than opened a deluge of complaints to the ICO which because the ICO is under-resourced, has played into the hands of the companies because they are even less worried than before about complaints being made about them because by the time the complaint is looked at, the complainant is fed up or has forgotten about it and anyway, or the matter they are dealing with such as a complaint against a bank or against a utility company has moved on.      
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billybobyeeharrboy

Problems with Bathroom fitter C.P Hart

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Even better.

They ran away at first hint that they won't get paid.

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On 12/09/2019 at 18:36, king12345 said:

Even better.

They ran away at first hint that they won't get paid.

 

Well they already got paid a few bags through the home insurance, they earned plenty already, more that they are negligent and couldn't be bothered when it got slightly more complicated

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Standard General Order...the claimant (You) must represent your particulars of claim in more detail and be court compliant......inform the court of their error.


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Just seen your second post.....so the court are ware of the dates.

 

Can you post your particulars of claim here to check and we can redraft them.


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Hi Andy thanks for your reply just to let you know don't have the particulars of claim to hand but however the particulars of claim have already been sent to the court and the bundle of documents so therefore I am not sure what is the difference between a 'fully particularised particular of claims' and a 'particular of claims' solely

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More detail...in  depth...they want a further statement of claim.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part16#16.4


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3 minutes ago, Andyorch said:

More detail...in  depth...they want a further statement of claim.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part16#16.4

And what about the dates??

 

What is the deadline for the fully particularised partic. Of claim

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As quickly as possible according to post # 29 above.

  • Thanks 1

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9 minutes ago, Andyorch said:

As quickly as possible according to post # 29 above.

Hi Andy thanks again when you're right as per post 29 as quickly as possible however it does say as per the letter from the court that's if the fully particularised particular of claims is not received by 4 p.m. on the 12th of December the court has the right for the claim to be struck out so therefore the deadline has already been missed and the court should strike out the case

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It does but they have acknowledged their mistake in their response and informed you as your unable to comply with the deadline....submit ASAP therefore they will not impose the dates.


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they have accepted that it was sent out late and advised you to send it pronto with your reason as to whay it is late IN WRITING.

Now particularised POC, they want the whys  and  and also exactly what you are claiming in terms of cash and the legal reason for this,

Ie claiming £2000 for breach of contract, I employed bloggs and co to fit a new bathroom, they took £2000 in payment but failed to do any work contrary to the agreement between us dated the..

 

that sort of stuff

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