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    • DX,   I've just noticed something, if you look at the uploaded documents relating to the CCA #6   You see the 2nd and 3rd page are contracts the first one is a blank contract the 2nd one is a digitally signed contract for Very. I can only assume the originally creditor sent the contracts digitally to the DCA and it looks like one of them has either been printed out as a blank page or they have removed the information from 2nd contract and made it look like 2 seperate contracts?   It looks like they only have information relating to Very and not Littlewoods? surley a none signed contract with no name detailing no amount of credit is not legally binding in court?   It looks like if it gets to court they'll go for the Very account but not have a case to argue the Littlewoods one?   Shop direct own both companies so assuming regardless of one signed contract for one company name would still need a seperate contract for another? and one signed contract doesn't work for both?   If this does go to court at what point do I ask for the hearing to be done local to me?
    • For Chrissake simeon!!!   Of course you cannot find para 18(d) that I referred to in #120!!!  That is because - if you had bothered to read #120 post correctly - you would have seen that para 18(d) is in FTMDave's post #105.   One of the improvements that FTMDave had made in #105 to my earlier draft was to replace my paras 13 and 14 with a single combined para 13.  This reduced the total number of paragraphs by one.  That was a good thing to do.   YOU in #121 then reverted to my earlier draft, thus wrongly reinstating para 14 from my draft which FTMDave had removed .  This meant that the para 18(d) that I referred to in #120 had become 19(d) in your version in #121!!!    So when I referred in #120 to FTMDave's draft in #105 and to para 18(d), I was referring to para 18(d) in #105, and not to any draft that I produced days earlier or that anyone else had produced.   And then, now that the para 18(d) confusion that YOU have created is sorted out, you must surely understand my references to para 19 after para 18(d), and to adding a new paragraph 20   Do you understand now?  (You must stop reverting to ealier draft versions and stick with the latest - otherwise it becomes incredibly confusing for all of us and you won't get this counterclaim completed in time!!!)   ========================================================================   All I can really advise you to do now is to read FTMDave's suggestions in #131, and follow them!   (You might find it helpful if you read again all our posts from #120 onwards to help you understand FTMDave's advice.)   You need to sort out your attachments (or exhibits if you prefer).  You've got them in front of you - we haven't - and you understand them better than we do.  Just make sure they are numbered and ordered correctly and are cross-referenced correctly to the Particulars of counterclaim.   Add in interest as per FTMDave's instructions.   And that is it.  From here it's not rocket science, it's just common sense.  If you don't understand by now we can't help.  You just need to polish it off.    
    • Hi there. To answer your questions. The Assessment of the car I got was by the DVSA. The 3 Dangerous faults. Seatbelt webbing significantly weakened offside front. Seatbelt webbing significantly weakened nearside front. Passengers seat insecure Nearside.   The Seven Dangerous Faults. Headlamp aim obviously incorrect. Supplementary restraint system indicates a fault Drivers door hinge insecure Fuel cap sealing device missing (cap seal missing) Fuel Cap Sealing device ineffective (filler neck sealing face damaged) Battery insecure and likely to cause a short circuit Power steering malfunctioning (limited power assistance, power steering pump noisy)   2 advisories  no spare wheel fitted Tyre worn close to legal limit.   The link to Companies House https://find-and-update.company-information.service.gov.uk/company/08471137   The MOT was obtained on the 8th of October after I had paid a deposit and two days before I took possession of the vehicle. The Garage the MOT was obtained from is in Bristol as is the dealer. I live around 130 miles from the dealer.   I have engaged with the thread as far as possible with other commitments and did not notice the set of questions I did not reply to in my first post which was responded to at 1 in the morning. Any help is gratefully received.      
    • ok. well you could try appealing using the forms you used before i will guess these: you dealt with the others so why not this one? they at the time should have equally been aware there was another PCN outstanding and dealt with that too or atleast told you.   not really sure but worth a try.   im sure a brief likewise note to the bailiff will halt things for now, once he know forms have gone in/history.   dx  
    • Hi BankFodder,  From what I see, the MOT place is based in Milton Keys, the dealership said that they received this vehicle in a trade-in deal.  The agent said he has used this vehicle to travel to Birmingham and back to London with no issues, but then when I spoke with another agent via phone, he stated that its a new vehicle and they haven't really test driven it properly etc... I believe that everything they have said so far is a lie and what they stated on the sales/page on auto-trader is also a lie.  I'm unsure who did the MOT, but I have reason to believe it was the previous owner. 
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richwhit1
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Hi all - i guess like most on this site I have been paying untold amounts to various banks, mortgage companies and credit cards for the last 15 years or so.

 

Having found this site initially from Money Saving Expert I'm truly hoping that at some point in the future I can claim some of it back.

 

This is my first post ever to a forum site and I apologise if I'm doing something wrong!!

 

I have been on the site all day reading FAQS and generally browsing other forums.

 

Please excuse my ignorance but I just want to check if I am able to claim credit card charge, charges incurred by mortgage company and also charges paid on current accounts??

 

My first query that I have is that I have one old account wirth First Direct where I know that most of the charges may have been incurred over 6 years ago. Am I correct in thinking that unless I can obtain statements from First Direct showing these charges I will be unable to claim them?? I will be writing to First Direct for my first claim so i get to know what I'm doing before persuing the other banks but I'm already nervous of writing to First Direct and only being provided with the last 6 tears statements when I need to be asking for all statements since the account opened.

 

Many thanks in advance for anyones help on this and he commences my long task ahead of me!!!

 

Richard

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Hi Rich, welcome to the forum.

 

I have been on the site all day reading FAQS and generally browsing other forums.

Spend at lest a couple of days reading the FAQs and the step by step guide in the library section. That will answer most of your questions.

 

Please excuse my ignorance but I just want to check if I am able to claim credit card charge, charges incurred by mortgage company and also charges paid on current accounts??

You can claim back any penalty charge as these are unlawful. You can't claim back any regular charge which is a charge for providing a service.

 

My first query that I have is that I have one old account wirth First Direct where I know that most of the charges may have been incurred over 6 years ago.

Any claim over six years runs into the statute of limitations. To get past that, you would have to prove, in court, that the bank deliberately misled you and kept the information from you.

Safer to limit it to the last six years.

 

Good luck with your claim.:)

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thanks so much for the info Rooster - i did say i was new to this!!!

 

although i thank you for your advices i guess its not the news i wanted as i dread to think of the amount of charges i incurred from 1991 to 2000 - guess i'm not going to be able to get any of these back- shame!!

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1991 to 2000 - guess i'm not going to be able to get any of these back- shame!!

 

Unfortunately, not easily, I'm afraid.:(

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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