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    • The driver totally ignored the windscreen pcn, and got a NTK some 23 days later.Parking Eye are lying when they say the driver has been identified.The driver has not been identified to this date.
    • Yes good points from Gick, no papers were actually served on you personally so Gick's amendment makes more sense. thereby preventing any misinterpretation as in you no longer lived there so the papers were not received by yourself, leading to a Default judgment.
    • Hi Yorky and BT   Thanks for the reassuring advice.   I’m in Scotland Yorky, so factor is just the management company but I think it’s one of the priority bills you mentioned but not entirely sure.   I take on board though that I should stop using the cards so maybe paying them off to use isn’t the best plan.    Also, I think I’ve offered more than I should have trying to keep the OCs  happy rather than what is affordable. Probably made a few errors of judgment and got a bit confused too.   My wife doesn’t have an income.   Offering £1 rather than maintaining them sounds a good way forward.   Starling and Monzo have put an arrangement in place but I can still use the account, they said they wouldn’t ever take more from the overdraft than the agreed amount.    So I’m a bit confused that I’ve offered pro rata but not getting defaulted and instead getting arrangements to pay and keeping the accounts open.    I thought doing a CCA on a new debt (from 2021) with a DCA would be easy for them to get the agreement, that is interesting if you know any more, this is another reason why I was trying to do it the way I was but I feel like I’m drowning rather than getting anywhere but feels so close at the same time to making it through.   Do you mean paying full and final on a credit card for £100 for example, pay it in full or offer a percentage. Just a bit unsure on that, I’ll have more of a good read on the forum.    It’s good to see other perspectives on it, I think I’ve got really stuck and just have stopped going anywhere focussed and need to get back on track.   I think the usual moral dilemma is playing a part too especially as some of the original creditors have been quite understanding. Others haven’t as much.   Thanks again  
    • Hi  Yes , I have been searching for answers over the years and coming to a dead end . To answer your question six months after I had the loan they took me to court for  arrears as I explained to the brokers at the time that I was not working and they told me that I would get money from the loan to cover payment  for a while  which I never received . so I was  stuck and got the suspended order .    I did appoint the  mortgage  company and you are right I did get scammed . I did not take Swift to court , they took me again this time they supplied the paper work and I saw the  cheque they said they gave me , hence I refuted this and the court requested they send me a copy of the cashed  cheque  which they did not  to date .   The date was 2017 . Then I became very ill and had other  matters to deal with . I then got some money and paid the arrears to them .   In respect of the interest the balance to date they stated was 68,000.   I can only ask the question if the money they stated  they gave  to me does not add up how can you  put interest on monies not  given to a customer .   In respect of uploading the paperwork I am slightly worried as you can understand I really do not know  whom I am really talking to , hence the caution.   Sorry if I took up your time I was just checking  but I am grateful for your response to date .    
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Just posting to say hello to everyone on the forums. My name is Neil [edited] and i have just started the ball rolling in claiming my charges back from Barclays Bank.


From what i have read so far, this site has tonnes of information on it and you have already helped a colleg of mine claim back his charges from Lloydes.


Look forward to posting how things progress.



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Hi and welcome to the site,



You've definately taken the first step into claiming back what's rightfully yours.


Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.


Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.


Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.


All the best in your claim!! :wink:



Useful links to help with your claim



http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/


Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/


Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html


Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html


Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

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Don't be like the banks - give a little back



:D NAT WEST - WON - £4282.36:D


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Hi Neil,

Welcome to CAG. Do plenty of reading around the forums, and especially the FAQ's. Then stsrt your own thread in the Barclays forum and keep it updated with your progress. Post any questions there too. You will find lots of help and support on the site.

Good Luck


[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Hi all, My name is Ian and I have just registered after reading about it in the email i receive from moneysavingexpert.com. I am of course looking to reclaim from my bank, but I don't know where would be best to start. I know I need to read all the faqs first, its just there is so much information available, and I'm having a little trouble navigating the home page. Plus Ive never used a forum before and for all i know ive posted in the wrong place or something. My apologies if i have, could you please direct me to the correct one. Many thanks in advance from a forum newbie. lol.



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Hi Ian


Ummm, yes, you've hijacked someone elses thread which is a bit naughty, but we'll let you off this time :p


If you set up a thread/threads in whichever forum is relevant to your claim/s, and add posts with and news, or queries that you have, we are all lovely, helpful people who are around to assist :)

  • Haha 1


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Hi and thanks very much. i will click on your scales very soon, but for now i just need to know how to create posts. i registered with abbey group, but cannot seem to find how to contact them or view their posts. when i go to new posts it just shows a list of current ones, not how to start one up. well to me it does anyway. lol. hope i havent upset anyone for hi-jacking their space. thanks again, ian.

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This is all abit new to me just getting used to the web site and im doing to read the faqs i have downloaded some templates from MoneySavingExpert.com ad-free, free to use, Consumer Revenge!, but if you know of any better templates, please let me now.


Many Thanks and good luck to everyone making claims.

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Hi Cara,


Please see my comments to Ian re hijacking threads:)


I would say that the templates on this site are a lot better, along with the advice given. Please check these out before doing anything else, and set up a thread in the relevant forum.






Best of luck


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Hi Ian.


Go to the Abbey forum, you will find this on the CAG front page but here's a link to get you there now.




To start your own thread click on the New Thread link which looks like this




This will then start your thread where you can give it a title and enter your first posting.

Every time you or someone else makes a posting on this thread it will move to the top of the list.

If you ever loose your thread, say because you havn't visited the site in a while, then you can view your subscribed threads in the Quick Links drop down menu near the top of each page.


Hope this helps.



Don't be like the banks - give a little back



:D NAT WEST - WON - £4282.36:D


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More Newbies coming in,


Please move away from the doors and make your way to your bank's forum.

That will give us a bit more room in the entrance hall.


Good luck with your claims, all of you.


Regards, Rooster.


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


Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.


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Help us to help others.





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