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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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HBOS OD - charges reclaiming


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Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC?

 

Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell?

 

What's your opinion guys?

 

 

 

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no they cant do that.

and stop using the phone.

WRITING only

 

get a charges reclaim going

spreadsheet 

covering letter 

etc etc 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes all here

 

get the CISHEET done first

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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spreadsheet done charges (ovd and interest) on 2 account from  2009 to 2013 almost 4k very high, please send me link for cover letter, etc..  

 

Is there any regulation I can cite to stop refund being sent to Lowell? 

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The case law you can use is Edlington Properties -v JH Fenner.

 

Where a debt/account has been Assigned, the seller has no right to appropriate your money to the third party.(Carboot)

You need to write and tell the original creditor this and if they refuse to refund all of the money to you then you are able to issue proceedings in court to force them to refund this money to you.

 

Andy

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you cant include interest 'in' the spreadsheet

in other words you can only inc OD charges in the listing.

but enter their AVG APR in cell d15

 

 

chaRGES RECLAI LETTER.pdf

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx

 

thanks

 

but it does seems this reclaim letter applies to Ovd charges (mine is daily ovd charges/fees for planned and unplanned, some for about 6 months of charges are interest debited because it's high interest reward current acc.

 

said template seems to be for Credit card late fees and over limit charges.. right?

maybe BCOBS suits my case better?

 

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Im not sure its a good idea to clutter your thread with discussions of claiming charges back which have no connection to this thread or court claim.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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new thread for charges reclaiming created.what is ovd?

can you attach your cisheet please

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

not sure what that is

you should using the CISHEET

put their avg APR in cell d15

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX

 

I'm unsure if APR applies on this, OC was charging Ovd fees not interest like Credit Card. What I'm think is to include 8% interest on reclaim total for refund I'm seeking?

 

APR applies to Credit Card and some other charges I think ....Please clarify if you think otherwise.

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no OD's have an int rate.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

update guys,

 

I sent letter to HBOS seeking refunds of charges, instead of replying they sent email requesting telephone discussion regarding said letter. Has anyone experience this and generally what do you reckon guys? 

 

I saw missed call and I'm yet to call back.

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and you dont

their questions are always loaded in their favour

 

writing ONLY!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

head office

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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update: I've given hbos further 2 weeks (final notice) and still no reply yet. I only got unexpected call from her manager arguing that I can't claim more than 6 years refund bla bla...my only response was to demand written reply.

 

re six years limit:

 

firstly, I think the fact they transferred debt to DCA and are still chasing me for full balance it means I can reclaim everything they owe since account was opened.

 

secondly, I only found out details of all excessive bank charges after they responded to my SAR, previously letter of appropriation and letter requesting freezing of interest and accept offer of a taken were ignored by hbos.

 

Guys, what do you think please? I want to start now to prepare for statement of claim. 

 

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