Jump to content


  • Tweets

  • Posts

    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and 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. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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
        • Like
  • Recommended Topics

RBS Loan and Overdraft Ordinary Cause Citation Aberdeen


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 712 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Going back to my initial post and having taken Andyorch's advice to obtain CCA requests from 4 creditors and only received one solid reply since October that they couldnt supply the request, what action can I take for the other creditors in the meantime.

 

What can I do with these other Creditors?

American Express - Allied International Credit - Credit Card

RBS - Loan

RBS - Overdraft

TSB/ Moorcroft - Credit Card

 

Many Thanks.

 

Link to post
Share on other sites

  • 2 months later...

as for the RBS OD , there wont be £1000's in penalty fees since since 2012 but it might well pay to SAR them.

 

 

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... 

Link to post
Share on other sites

RBS are usually slow at selling debts on but hang in there- they did eventually sell mine on and cabot couldn't produce the goods

 

As for CCA requests and O/Ds there was an appeal case where it was accepted a S78 request was needed for OD. It was MFS Portfolio v Phelan & West

 

Is the Amex a nectar card? I had one from way back when and in response to a CCA Request they produced some data with AMEX Canada Intranet at the bottom of the page- it certainly wan't compliant, another £3.5 K gone Statute barred

Any opinion I give is from personal experience .

Link to post
Share on other sites

Dunno if banks even do court much.  Both HSBC and Natwest never sold the debts on, never took me to court and they went Statute barred many years ago now.  I didn't pay them a penny.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

Just now, fletch70 said:

As for CCA requests and O/Ds there was an appeal case where it was accepted a S78 request was needed for OD. It was MFS Portfolio v Phelan & West

 

 

 

No connection to a section 78 request which is not applicable to current accounts...it was in connection to assignment rights.

 

https://www.restons.co.uk/business-services/record.php?id=2

 

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

Link to post
Share on other sites

Reston's would say that wouldn't they :-) 

 

Apparently it was accepted that a S78 was valid 

 

https://www.joannaconnollysolicitors.co.uk/notable-cases/

 

I don't know the details exactly but if it was deemed UE under S127(3) then a CCA Request would be the first step in finding that out surely?

 

 

Edited by fletch70

Any opinion I give is from personal experience .

Link to post
Share on other sites

The Judgment was successfully appealed after a four-day appeal before HHJ Walden Smith on the issue of assignment and the current account overdraft itself was declared to be unenforceable under s.127(3) the Consumer Credit Act 1974.

 

 

127 Enforcement orders in cases of infringement.

(1)In the case of an application for an enforcement order under—

[F1(za)section 55(2) (disclosure of information), or]

[F2(zb)section 61B(3) (duty to supply copy of overdraft agreement), or]

 

You dont use section 78 to request a copy of the OD agreement......you could use 61b CCA1974

http://www.legislation.gov.uk/ukpga/1974/39/section/61B

and then  failure to prove the above will render any claim unenforceable pursuant to section127

http://www.legislation.gov.uk/ukpga/1974/39/section/127

 

 

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

Link to post
Share on other sites

Will they still sell the debts if I'm paying an agreed amount every month, would I be better to stop payments and let them chase me for the debts then hopefully sell them.

 

We have 9 years left on mortgage which is with RBS and has been since it started 10 years ago, mortgage is half the Mrs.

 

Have got equity in the property, under 100k but more than 50k,

is there any risk the RBS could go down the route of trying to get money out of the equity? 

 

I have no secured debt, all only unsecured.

 

Many Thanks.

Link to post
Share on other sites

Andy

I won’t link to what was posted on another forum but the solicitor concerned posted. 
 

It was also accepted that Creditors must comply with S 78 Consumer Credit Act 1974 requests relating to personal Current Account Overdrafts, not just credit cards and loans. In this case the Appeal court did find that MFS Portfolio Ltd had complied with the S 78 Consumer Credit Act request. If they hadn’t complied with the statutory request then the personal Current Account Overdraft would have been unenforceable pursuant to s.78 (6) (a) Consumer Credit Act , which is contrary to the position creditors normally take. 

Any opinion I give is from personal experience .

Link to post
Share on other sites

read all the posts in the CCA request link!!

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

RBS CCA reply today, they have provided the credit agreement but its not signed by me, they state they don't need to supply a signed copy, is this correct?

 

2020-01 RBS CCA Return.pdf

 

RBS CCA reply today but the credit agreement doesn't have my signature, they say it doesnt need to be on it, is this true?

 

 

Link to post
Share on other sites

as this was taken out 2012? and is still owned bythe original creditor I think that is a good enough recon return.

 

but it puzzles me why the bank has used the recon 'dodge' when they must surely hold the real macoy?

 

how did you take this out? online by digital tickbox or in branch whereby you did physically sign the agreement?

 

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... 

Link to post
Share on other sites

Remember there is always more to it than meets the eye. Did they send a good Default Notice and Termination notice. 

 

It also puzzles me why details of when the repayments were due was not on the agreement for example when the 1st repayment was due and when further payments fell due.

 

 

Any opinion I give is from personal experience .

Link to post
Share on other sites

I'm not entirely certain but I think I did it in the local branch as the sort code for the loan is this branch.

My branch was in another town in Scotland. 

 

I'm not sure what they sent for the default and termination,  it will be in the shredder now. 

 

I have requested an SAR on my current account which has the overdraft so will this show if an agreement exists for the loan or not. Still waiting for this to be supplied.

 

Or should I SAR the loan account to see if there is an agreement? 

 

Do they need a signed agreement for the debt to be enforceable or not? 

 

Thanks

Link to post
Share on other sites

No...because its post 2007...unless the original signed executed agreement has been varied....then a reconstituted version cant be enforced.

 

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

Link to post
Share on other sites

A SAR should or at least can cover a request for all personal data held by the company . It can, if you ask them include logs of phone calls and notes on what letters were sent when. 
 

When I SARd Capital One a couple of years ago it showed the debt had been sold but not who to, the date did not match up with the Notice of assignment leaving a gap. Then the notes about the DN just said a notice of default had been sent , nothing else . We won in court because I knew no DN had been sent. I also kept all my paperwork. Never admit to anything unless you have to. 
 

 

But to agree with Andy, no signature is needed. If the agreement had been varied you would need the new terms and conditions
 

I had one loan where the agreement said default charges of £25 but the statements showed £12. That is now SB 

Edited by fletch70

Any opinion I give is from personal experience .

Link to post
Share on other sites

  • 2 weeks later...

My circumstances have changed again due to health issues and I'm unable to return to work until roughly October as recovery for my operation is long. 

 

My wife has an income that will cover our main bills but I won't have an income. 

 

This being the case I will be unable to pay creditors for now.

What should I write in letters to them,  are there any templates.

Should I offer a token payment or what? 

 

My main worry is the Rbs unsecured bank loan and that they may decide to take me to court, there is equity in our property. 

 

Thanks

 

 

Link to post
Share on other sites

you need to be reading up in the down periods to get upto speed on the wider debt issues.

 

OC's don't usually take people to court, they sell bad debt onto DCA's.

 

and even if the DCA did do court on a debt, no-one can make you sell your home of use its equity to pay them and neither should ANYONE ever consider doing so themselves if they have consumer credit debt.

 

you write as using the pro rata letter in the debt collection section of our library.

 

dx

 

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... 

Link to post
Share on other sites

residence makes no odd other than toward statute barring 

 

for debts signed upto :

 

in E&W a debt becomes statute barred after 6yrs - this simply means the debt still exists but should anyone get a court judgement, the judgement cannot ever be enforced so the don't bother to go for a CCJ , IF they are told it's SB'd

 

in Scotland (residency is considered as being so from 3mts in) after 5yrs a debt CEASES TO EXIST, it is EXTINUQUISHED... does not exist dead gone parrot.

 

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... 

Link to post
Share on other sites

companies? you mean RBS/original creditors..not DCA's?

 

 

 

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...