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    • The employer should consult staff about furlough and ideally they should be transparent about what's happening, but this is all new.   Emmzzi may know more than I do.   HB
    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
    • Note that most experts believe that re infection cases are faulty tests. Plus there are always a small number of people who can get something twice. I can attest to this as I was unfortunate enough to get Chicken Pox again as an adult, something I wouldn’t wish on anybody.
    • Post 16  https://www.consumeractiongroup.co.uk/topic/420400-vcs-spycar-pcn-no-stopping-southend-airport/?tab=comments#comment-5040496   Post 23  https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-no-stopping-in-restricted-zone-bristol-airport/#comments   Here are two good examples.  Tweak them according to your circumstances and post up what you intend to send.
    • FCA announcement 9/4/20 From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
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Hi I am claiming £3,300 from barclays it has been going on for a while and i started the court stuff in September. we have got a court date for next Tuesday the 9th it is just for 10 minutes to say why we did not want the court case to be stayed untill in the OFT had made there decision on weather or not bank charges are unfair. But as far as I am awear they have said that they are unfair so i am not reaaly sure what i am meant to say on tuesday, and will i even have to say anything????

I just want to the court to hear the case asap as it has been going on for about 6 months now.

 

does anyone have any advise and has anyony else had to do this?

once this has has happened what should i expect ot happen next??

I am starting to get worried although i am not backing down!

 

Jude

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What exactly does your court letter say -


Consumer Health Forums - where you can discuss any health or relationship matters.

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I got a letter on the 23rd of October saying

 

Upon reading the the court pleadings the claim has been stayed untill monday the 8th of January pending the result of the oft investigation or the selection of the test cases.

then it said if i wanted to object i should in writting.

I was told on this site to object so i did and then on the 14th of novmber i got a letter says that the objection to the stay would be heard on tuesday the 9th for 10 minutes. this is after the above date anyway so i do not really see the point.

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Hi again nobody has replied to my post so i am guessing that no one else has had to do this thing with the courts!!

I have noticed from other people posts that they have rang there bank, do you think i should do this?

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I've not come accross this one before but I would suggest writing to the court and ask for disclosure at the hearing. In other words, ask that the bank prove their costs.

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Also, try phoning the courts and speak to a court official. I did this when mine was transferred the the Mercantile Court. I didnt understand what this meant and the guy I spoke to was really helpful with advice. From what I could gleam, the court officials, are as disgusted as we are with the banks behaviour.

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That is a good i idea i will try that and post the results.

 

thanks

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Sound advice - I would ring them given that the hearing si only a week away.


Consumer Health Forums - where you can discuss any health or relationship matters.

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What about ringing the bank and asking to speak to the person dealing with the case? A lot of guys in Wales (and elsewhere) have had a claim settled out of court with this approach. Nothing ventured... ;)

 

Good luck!


Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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i rang the court and they were really helpful they said the judge just wants to know why you want the case heard now and nothing about the case itself. they said that the bank may be there.

so does any one know much about these test cases that have been run and what the office of fair trading has said.

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These test cases are very new, I am not aware of any that have been heard. I suspect you will get your pay out before the court date so dont worry.

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