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    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
    • Just received a letter from lowells sols stating they have note of my aos   They have stated they have attached -  Copy of agreement, statement and notice of assignment   HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before   They state they have requested a copy of my default notice   So in light of this shall i still send the same defence? i think it still stands right?  
    • Just had a Clear Score update which says:   A credit or store card account will be removed from your January report. Organisation Name: Hoist Account Number: ****9048 Company Type: finance house What does this mean? This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. Is this a usual part of the process? I'm submitting my defence this weekend. I'll post it on here first.
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Hello. I have 27 working days waiting for this bank to reimburse a payment that did not reach its destination. This is normal?:evil:

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Urm.. Thats a bit long.

Think there are fca regs on this

Illlook later


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Where can I search?

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Urm.. Thats a bit long.

Think there are fca regs on this

Illlook later

 

Where can I search?

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Did you make the payment by mistake

Whats the full story please


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Did you make the payment by mistake

Whats the full story please

 

The payment was intended for my Payoneer account in USD currency, but Payoneer does not accept USD accounts in the UK. That is to say, the payment never left the Clyndesdale, I do not know because they have taken so long to return the money. Do you know anything about this?

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Urn bit nore convoluted then...

 

So you got CD to pay them in USd

They bounced it

 

And its not found its way back!

 

Should have happened as soon as payoneer bounced it

 

Does it appear but simply unavaible balance?


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

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Urn bit nore convoluted then...

 

So you got CD to pay them in USd

They bounced it

 

And its not found its way back!

 

Should have happened as soon as payoneer bounced it

 

Does it appear but simply unavaible balance?

 

The balance simply does not appear. It says transaction completed.

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And youve written or online chatted to CD asking where it is?


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And youve written or online chatted to CD asking where it is?

 

They said I should wait 1 month for the money to return to the account. And that time passed and I have not given clear answer about my money.

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and how did they well you this in writing?


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Single Premium PPI Q&A Read Here

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and how did they well you this in writing?

 

I send you private message.

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and how did they well you this in writing?

 

What happened was the following, I was supposed to receive a payment from a company in the UK to my Payoneer account. This company asked me for my bank details in USD, I gave them this account in USD. But Payoneer (my Bank) does not accept payment in dollars of companies in the UK, only USA.

 

I contacted Payoneer to ask about this payment, and never entered the system.

 

The company that sent me the payment did it through Clydesdale Bank, supposedly.

They say that the payment was completed, and you have to wait for the money to return to your account.

 

I suspect that this company did not make the payment, and just wants to cheat me.

 

They have sent me a proof of payment, but I do not trust them.

 

 

 

 

28 business days have passed and this company does not answer me.

 

What I can do? Do you know of any case in which it took so long to return a payment?

 

I have sent an email to FCA and I am waiting to see what they tell me.

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probably outside of their remit I expect

sounds to me you got sc@mmed by the org co.

 

whats usd please? us dollars yes


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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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probably outside of their remit I expect

sounds to me you got sc@mmed by the org co.

 

whats usd please? us dollars yes

I don't understand

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you keep using USD, I am assuming this means US dollars..or not

what is USD?


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

spreadsheets 

 

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you keep using USD, I am assuming this means US dollars..or not

what is USD?

 

Of course. USD its US dollars

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thank you.

 

right time to come clean

who is this original company that was supposed to pay yu something if you paid them something.

 

name names this is sounding like a sc@m to me.

 

sorry if I have this wrong but your line

 

I suspect that this company did not make the payment, and just wants to cheat me.

 

has my spider senses going here.


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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