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    • A complaint 12 Months after the event.....................   Complaints about GP's are taken very seriously. Its not surprising he wouldn't want to see you alone, maybe with a chaperone, but not alone.   So you intend to complain again................................   You had best be careful or the Practice will strike you off and then you might be stuck. Just see another GP at the same Practice and move on.   H
    • Good Afternoon all.   Please forgive my naivety, this is my first post and I would really appreciate some advice.    I purchased a Ford Ranger 2015 plate from Ron Whites Trade Cars in Wakefield on 18th Feb this year. I paid £6,700 on debit card and was given £4000 trade in for my 2010 Nissan Navara, so £10,700 in total. Inclusive of 6 months 3rd party warranty.   I had recently been diagnosed with secondary cancer in my bones (including spine which affects my mobility) and needed a reliable vehicle to travel to and from hospital of which I made him aware of. Also that I have several dogs and horses and therefore needed a pick up.  My dear Dad helped me with the cost of the car.    At my request, he put a new MOT on it and I collected it a few days later.    On Thursday 9th May, having driven no more than 500 miles from collection,  I was driving at about 45 MPH, when I was approaching a 30 MPH zone and a busy crossroads, and went to apply the brakes. The brakes failed (as in nothing at all) and I had to slow the car through the gears and apply the handbrake narrowly missing several cars.  I can't tell you how frightening it was, and I have been scared driving since.    I called Ron Whites Trade cars ltd and spoke to the dealer.  He told me to call the warranty company. Which I did. They advised me to call a tow truck and tow to a VAT registered non-main dealer.    The warranty company - clearly not worth the paper it is written on - said I need to show full service history. I realised then (my bad) that it never came with FSH, despite the advert declaring that it did. I have screen shots of the advert that verify this.   The garage where it was towed to called me the next day and asked how long I had had it. I explained not long. Their head mechanic said an unaligned fitted part - fitted prior to purchase (vacuum pump to brake servo?) has caused the damage and it was likely to be a very large bill. He advised me to call the dealer and under the CRA 2015 ask him to repair it or reject it.    I called him back and without going into details - he refused to help. The mechanic from where it is currently sat also had several conversations with him. Apparently the dealer became quite threatening and abusive.  The mechanic advised him to come and collect the car and repair it as he should do under CRA 2015. The conversation ended with the dealer telling him to just fix it and bill me.    I emailed and sent a recorded letter on 10th May, advising them to collect the vehicle and repair it or pay the garage where it currently stands or I shall take legal action.    I heard nothing.   I am now going to authorise the garage to carry out the repairs and will be seeking costs through the small claims court.  I have researched the company and they have a large selection of vehicles, last assets were recorded at just under £600k.  Most of the stock is stored at the Director's home address. Which is where I purchased the car from. Although the receipt states Ron White Trade Cars Ltd.    I desperately need the vehicle and although I have an old Peugeout 106 as a loan car - I can't possible carry out my hobbies and usual daily life in it.   My poor Dad is lending me the money to repair it.    My questions are:  A) Can I start the small claims process now? The reason is that I have a DS1500 form - which basically means I may have less than six months to live - but hopefully more! Could the case be expedited in order I can settle things sooner for obvious reasons?  B) Do I sent another email/text advising that tomorrow I will start the claim? B) I have no idea what the total bill will be until the car is fixed - so do I claim an 'undisclosed amount?' C) What wording do I put on the form - what detail should I absolutely not miss out?  D) The registered address on Company House is that of an office elsewhere. I assume the accountants address. I collected the car from his home address (approximately 30 other cars were there) so can I send the court papers to this address? E) Who do I put on the papers? Ie Ron White trade cars ltd. Or the director I dealt with (of which there are 3)  F) I have been advised to get an independent report - but this is going to delay the process even further. The mechanic has advised he will take photos and written evidence. Would this suffice before a judge?    I'm very grateful to anyone who has read this, and apologise for such a long post.  Many thanks         
    • 2 years ago I made a complaint against a GP at my surgery....the reply I received was the GP could not recall the events (in the complaint) because the GP see so many patients a day and the complaint I sent was 12 months after the event.   Now to what happened recently....   1. I had a appoointment at 10am with the same GP I had made a complaint againt over 1 year ago...I booked myself at reception and waited, waited when it was 10.20 I asked at receptionion when would I been seent, as my appointment was at 10am. A receptionist told me 'There has been an emergency of some kind with a patient...so that has caused a delay and your appointment will now be moved to another GP' - I asked why the appointment was moved and was told 'sorry I cannot tell you' and you will be seen soon.   2. 10.30am and still not been seen so I asked another receptionist, she checked the computer system and told me the GP (name) has refused to see me because I made a complaint against him over 12 months ago and now my appointment was being moved to a different GP and I had to wait. I told the receptionist this was wrong and the GP had to be impartial as a GP and he was making this personal by not seeing me.   3. Eventually I was called and saw a different GP and explained to him what happened and the GP I had originally had an appointment with had refused to see me because of a complaint I raised against him over 12 months ago. The GP I was with was shocked and surprised and told me that GP should not have refused to see me   NOW I need your help to write a complaint, please can you help me
    • ok...thank you. I have read the post (thank you for guiding me to that) and will write in similar thread.   My worry is that I lied to the inspector about not having used the card before. I also recall now that he did not ask me to sign the notes he took so I am worried I have no idea what he wrote down.    Without my signature on his notes, would this be admissible evidence in court?
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
emmaf01

Emma Vs Halifax **WON**

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Hi everyone.

Last week I sent off my SAR for my 2 Halifax accounts. I'm at the mcol stage with Nationwide, and this has given me the confidence to go for the rest of my financial providers, past and present.

Its so nice to know that I'm not the only person to incur charges! Certain financial institutions make you feel like a leper, when in fact they are making money out of your "mistakes".

The Halifax has been the institution who has charged me the most so I'm looking forward to getting these statements. Of course, by the time I get my statements, I'll be spending New Years eve with my highlighter pens and a calculator!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Best of luck Emma. :D


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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One account is in credit, the other (my old and much abused student account) is about £2K overdrawn. I haven't had much activity in the first since about 2002. The other hasn't been in much use (apart from payments to slightly reduce the debt) since 1997-8. I've got to wait and see what they come back with in response to the SAR.

Whatever I get can get back, is a plus.


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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So, last month (20/11) I sent off my SAR. No response until today when I got a letter apologising for the delay, that my statements for the last six years would be with me shortly and that all of the letters/charges require no manual intervention and are all automatically issued.

 

Isn't that proving that the charges they are applying are illegal before we even start?

I wonder if by admitting this at the beginning we can shorten the process. Or more likely give me a bigger laugh if they try to refute it later.


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Probably the latter! Regardless, at least you should have your statements shortly.


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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We got our statements dead on the 40 days!


Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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Well, statements for one account arrived today. !9 days- must be a record!

I am doing the prelim letter, but also looking at the spreadsheets. For the nationwide I did statutory interest (I was scared).

Witht this I want to use contractual. Now I have read through as many posts and faqs as I can locate, I've got the spreadsheet down but I don't know what the hell I'm doing!

Is the contractual rate the same as the unauthorised overdraft rate?

Do I change the 8% to 29.8%?

Argh!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma,

 

With HBOS response to my SAR they said that there were not obliged to provide any manual intervention details, is this same for you or was it worded differently?

 

I charged them 8% interest (for my current account) is this correct?

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I have just received the statement from my second (and incredibly overdrawn) account. No charges on that. I am a bit worried as this is more overdrawn than I remember, not having received statements or any correspondance fron them about this account for 5 or so years. All the charges on this account took place up to 1998. So I have no info on them (statement only went back to 2001).

Even if I go back to the account with charges in the last 6 years and add basic contractual interest it covers less than a third of the overdraft on the other account.

I don't know what I am doing and am getting into a right tiz over this!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Argh! I'm getting really wound up over this!

I've already been through the process (and won) with Nationwide. But I only did statutory interest on that.

I've been shafted repeatedly by the Halifax, and so going for contractual compound interest would be preferable- I just can't get my head around the (wonderfully put together by the mighty Vampiress) spreadsheet.

If I'm claiming this sort of interest, do I have to get my spreadsheet together and numbers before the prelim letter, or just put the charges on alone?

Help!!!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Thank you for all help!

Finally got my head into gear. I think I just needed time to get my focus back.

And thanks to this site full of lovely people, I got what I needed.

So, prelim for one halifax account done.

And DPA non-compliance letter done for both, as I only got info from 2000 for one and 2001 for the really overdrawn one.

I feel so much better now!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Still waiting. Now I've got to wait until I've paid my card bill before I can mcol.

I've also got to follow up on the dpa non-compliance as well.

I don't want to have to go to court- can I first refer it to the information comissioner?

I'm going to have to get back on this next week!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I was forced by Halifax to issue a claim for non-compliance with the Data Protection Act. They sent me my statements going back to 1992 as a result of the claim. It is highly unlikely that they would wish to appear in court.

 

However, you should issue the claim as the ICO can take up to 8 weeks to complete their investigation into your complaint. A DPA claim for non-compliance cannot be done via MCOL, you will need to use an N1 form. The information regarding how to complete that can be found here.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I've got my Info Com complaints form- I haven't got much time at the mo (sick toddler) so I'm doing that before resorting to the court.

 

Should I still mcol for the charges from 2000, and leave anything else for a separate claim once I've got the info?


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma, I chose to begin a claim against them as they did not send me the statements. I view of the fact that you may be waiting some time, I'd be inclinded to get started on the charges that you can prove right away.


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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So- today I received a lovely letter from the Halifax offering me £168 to shut up and go away.

I think they've been lulled into a false sense of security because I haven't made it to my local court to put in my 3 N1 forms- 2 for non-compliance for dpa and one for bank charges totalling £703 including contractual interest- plus £10 sar costs.

I think that's a no then!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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So, on this letter they sent me, they asked me to call if their offer was not acceptable. So, after I had written the letter saying "no thanks" to their minute offer- which did not even cover the charges taken, I thought I'd ring to see what they would say.

 

Well, that was an insight into their thinking. I found out they only offer a refund of charges within six years of the complaint reaching their specific office. This means that although my SAR was in November and my prelim in december, they only got my complaint through to them on February 1st- so will only refund charges from February 2001. Errm?

 

I asked them why they ask me to call if their offer was unacceptable, if they would not change/increase their offer if I was unhappy with it. They just said they had no authorisation to offer more.

 

After I got off the phone, my child unfortunately heard a phrase I hope he never repeats!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Now issue your claim Emma


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Claim issued on MCOL yesterday!

 

I've only gone for statutory interest, due to conflicting info on the contractual at present.

However, I'm interested in the DPA non-compliance claim you've made, Hagenuk. I've looked at the particulars of claim (in the templates), But I'm confused about the damages aspect- what sort of things do you count as damages in this sort of claim?

 

I've sent them a nasty ish letter regarding this today- with much help from Tanzarelli's letters to the Barclays-monster! And also asked them to produce signed contracts as per Consumer Credit Act 1974!

I hope it all helps to get them a) to give me my money back, and b) not to play nasty with regard to my old student account- a nightmare of student mismanagement!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Emma, my point 6 on the PoC for the DPA non-compliance claim read as follows.

 

6. The damage caused is:

 

Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £30

 

They sent me a cheque along with my statements.


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Funnily enough, they have agreed to send the missing statements out today!

Odd- they've seen I'm serious about court action, so they'll concede on the DPA.

 

Also- I found out they closed my student account in 2003- first I had heard about it.

What does this mean for my refund from the other account? I thought because I had two open- one in the black and one in the red, they would shift any refund on to the overdrawn account- will I get a cheque now- or what??

Anyone got any ideas?


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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So, I got my statements from the start of my account today (less than 24 hours and back to 1994!)- and I've got another £100 of charges- all 1998 to 2000. But I've also received the MCOL infor for my claim.

 

Should I add them to this or clear this and start again with a separate claim for them, doing a new prelim etc?


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Anyone got any idea whether I should/can add these to my existing claim- it adds £100 in charges and another £64 in statutory interest?

 

Any advise/help appreciated!


Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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If you have already filed your claim then you cannot add any new charges to it without filing an amended claim. This will mean filing an N244 Application Notice which will cost £35 and this fee is not recoverable. Further, you will also exerience delays of several weeks while the court considers your amendment.

 

I would continue with your existing claim as is and if you wish to pursue these additional charges, then make a second claim.


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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