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    • The lawsuits allege the companies preyed upon "vulnerable" young men like the 18-year-old Uvalde gunman.View the full article
    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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wish me luck me against barclays


ronvin
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hi i started my claim against barclays a while ago. i sent my lba over 14 days ago and are going through money line. please help has anyone else found this difficult?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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Good luck with your claim, you are following a well trodden path and will be successful.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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need advise filling out money claim online! do i use no5 in the bank templates library to particulars of claim?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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I strongly advise that you file an N1 with your local court instead of MCOL. You can use more detailed particulars of claim and it is a lot easier if you are claiming contractual interest

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 3 weeks later...

i've just submitted my money claim so its just waiting. i received a letter a couple of weeks ago saying that they won't pay up will this make a difference to my claim or are they just trying to scare me !!!!!!!!!!!!!

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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  • 2 weeks later...

my claim was deemed served on the 27th of december and the bank has until the 10th jan to reply. Do i need to send anything to anyone like my list of charges to the court or to the bank?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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my claim was deemed served on the 27th of december and the bank has until the 10th jan to reply. Do i need to send anything to anyone like my list of charges to the court or to the bank?

 

You should send a copy of the Schedule of Claim for Charges, with interest to the Defendant and one to the court.

 

Have a look at my thread you may find it useful also have a read of other successful claims in the success forum.

 

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/44145-tanzarelli-barclays.html

 

Hope this is of help to you

 

Tanz

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i rang the court to see if how my claim was going and barclays have acknowledged !!!!!! how rude !!!!!! thought they might of forgotten little me they now have until the 24th jan to enter a defence. Getting a bit worried now as i know they are gonna try and scare me out of getting my money back

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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i rang the court to see if how my claim was going and barclays have acknowledged !!!!!! how rude !!!!!! thought they might of forgotten little me they now have until the 24th jan to enter a defence. Getting a bit worried now as i know they are gonna try and scare me out of getting my money back

 

Don't worry, you'll be fine. I had a letter offering full settlement, the only person I had to speak to was someone regarding scoring out the confidentiality clause.

 

Keep at it.

 

Tanz

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i rang the court to see if how my claim was going and barclays have acknowledged !!!!!! how rude !!!!!! thought they might of forgotten little me they now have until the 24th jan to enter a defence. Getting a bit worried now as i know they are gonna try and scare me out of getting my money back

 

Hi I am just ahead of you, Barclaycard have until 13/1/2007 to enter a defence. I am hoping they will just pay up before we get to the deadline.

Capital One paid me out a few days ago they entered into a defence but paid me out immediately. So it is just a waiting game!

Good Luck

DS

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i've been reading loads of other threads and i bit worried as everyone seems to of been offered a sum of money before filing their claim with moneyclaim i just got a letter saying "i am unwilling to refund the charges you have incurred as requested" has anyone else had this letter :confused:

 

i got this letter on the 07/11/06 just before i sent off my LBA it won't make a difference will it?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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i've been reading loads of other threads and i bit worried as everyone seems to of been offered a sum of money before filing their claim with moneyclaim i just got a letter saying "i am unwilling to refund the charges you have incurred as requested" has anyone else had this letter :confused:

 

i got this letter on the 07/11/06 just before i sent off my LBA it won't make a difference will it?

 

Hi ronvin,

 

Not in the slightest, its not everyone who gets an offer, and anyway you would have refused to accept it anyway wouldn't you?

 

Just keep on going through the motions and you will get full refund which is why you started the process in the firsat place.

 

Stick with it.

 

You will win.

 

Tanz

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thanks i was just a bit worried i hadn't done it right didn't want to come all this way and look like a fool

 

thanks for your help

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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  • 3 weeks later...

well barclays had until the 24th of jan to defend my claim and they did it on the last day as usual.

they have said

1, the particulars of claim do not provide details of the precise charges alleged to have been unlawful. to the extent it is alleged that the claimant incurred bank charges on her account for unauthorised borrowings (whether unpaid fees for returned cheques, "paid referral fees" or any other such fees), the defendent puts to the claimant to strict proof of each charge and the date thereof.

2,the defendent is entitled to charge the claimant for unauthorised borrowings by reason of its standard terms and conditions. the claimant accepted the same when the account was opened, including (in particular but without limitation) the followng terms and conditions (which are summerised):

a. the defendents right to charge a "paid referral fee" where the defendent pays an amount (either by compulsion or election) which allows the account to become overdrawn - £30 per item (previously £25).

b.the defendents right to charge an administrative fee is any cheque, standing orderor direct debit cannot be paid because of insufficient cleared funds in the account - £35 per item (previously £30).

c.the defendents entitlement, if the claimant becomes overdrawn without an overdraft limit, to charge interest at the unauthorised borrowing rate on the excess balance.

3,the defendants standard terms and conditions give the claimant a fair and transparent view of those terms and the charges applicable for unauthorised borrowings (including where the account is overdrawn without an overdraft limit or where the claimant exceeds her overdraft limit)

4,if and to the extent it is the claimants case that the failure to make necessary payments and / or failure to remain within authorised overdraft limits and / or failure to arrange an authorised overdraft limit constituted a breach or the terms applying to the account and that the contractul entitlement to debit charges from the claimants account constitutes a liqiudated damages clause, the same is denied. Tthe charges constitute payments the claiment agreed to make by reason of the terms and conditions of her account and were consideration for the defendent advancing credit to the claimant, which the defendant was under no obligation to advance. the defendent was entitled to impose such charges and interest when the claimant incurred the overdraft.

5,Accordingly, it is denied that the legal principles relating to liquidated damages clauses and penalty charges are relevent or applicable to the facts set out above. Further or alternatively it is denied that any such charges constitute unlawful penalty charges or are in breach of the unfair terms in consumer contracts regulations 1999, or are in breach of the unfair (contracts) terms act 1977, or are unreasonable within the meaning of the supply of goods and services act 1982.

6, Therefore, it is denied that the charges were unlawfully debited from the account.

7, If and to the extent the claimant incurred charges on her account, this was caused by the claimant having gone into overdraft without having agreed with the defendant an unauthorised overdraft facility or to increase the overdraft facility and / or her failure to make payments to bring the balance of the account back into credit.

8, It is averred that the said charges and interest are and remain lawful and enforcable and that the defendant was entitled to debit the same.

9, The defendent denies that is liable to the claimant for the sums claimed and the interest pleaded by the claimant or at all. In the alterantive, which is denied, if the said charges amount to sums payable on breach of contract, it is averred that the charges asserted by the claimant to have been applied to the account prior to the 22 december 2000 would not be recoverable for reason of exhaustion of time in bringing contractual claims from the date of accrual, pursuant to the limitation act 1980.

10, In alternative, and without predjudice to matters stated above, if (which is denied) the said charges and interest or any part thereof are unlawful or unenforceable as alleged by the claimant or at all, and the charges were a concequence of the breach of contract by the claimant, the defendant has nonetheless suffered loss and damage as a concequence of such a breach of contract in allowing the account to go into unauthorised overdraft. Accordingly, in the event that the defendant is unable to rely on its express entitlement to inforce the charges as set out in paragraphs 2 to 3 above, it will seek to recover to the extent necessary such loss and damage as it actually suffered, which will not necessarily be limited to the value of the said charges, and the defendant seeks to set off such sums against any liability owed herunder to the claimant.

 

 

if anyone could translate this i would be extremely grateful!!!!

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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Well it looks pretty standard not too much to worry about - if you want to compare word for word mine can be found here http://www.consumeractiongroup.co.uk/forum/barclays-bank/36692-peter-rabbit-barclays-2.html#post445686

 

So just got to wait for your AQ to come through now.

 

Good Luck

 

Peter

PETER RABBIT V BARCLAYS Settled in Full 05 March 2007

 

 

 

 

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got my aq questionaire with my letter with the defence on. ooooooh it all seems so real now don't know why i didn't think it was real before. i think i'm gonna read your threads to find out what they do next thanks for all your help it gives you a bit more confidence to know that there is someone there to help.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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Hay, don't worry, its now awaiting game once you've sent the AQ back. Just read up, get it in on time with a list of charges and sit back and let the interest grow :)

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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hi in barclays defence they say that in the particulars of claim i haven't put in details of charges taken so i'm going to send them another schedule of charges to them and to the court. Is there a letter somewhere that i can send with it?

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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thanks for your help i sent my AQ in so i'm just waiting now think i might start my bundle so i'm not rushing when the time comes. i also sent a copy of the charges with interest to barclays with details as above

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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thanks for your help i sent my AQ in so i'm just waiting now think i might start my bundle so i'm not rushing when the time comes. i also sent a copy of the charges with interest to barclays with details as above

 

 

No harm in being prepared,

 

Mines still sat here as they settled before i'd sent it. lol

 

Not long now. Tanz.

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thanks tanz hope mine is the same

 

i got a phone call off my mum this morning saying that someone from a bank has tried to get through to me (when i had this account i still lived with my parents) does anyone know the number or better still the person i need to phone as they left no contact details. i have withheld numbers barred from my new number so if they try to phone me at home they won't get through.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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