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    • 1. Cabot and old sav credit card debt.. looks like for years he was scammed by clarity credit management out of money. Nothing new there, thats all rhey ever did. No signed agreement, no nothing to prove the debt. Sav credit would never have had a signed agreement. Card will be 80's era if not close too. Unenforceable!!   2. Natwest duo MasterCard..now rbs..cabot. No signed agreement. unenforceable.   3.  An mbna card from about 1999/2000 idem dca scammers no signed agreement unenforceable   4. Some kind of lloyds credit card, with idem. Theres a signed application form but that does not meet the requirements as there are numerous prescribed terms on that missing . Unenforceable.   5. Some kind of rbs secondary? finance no idea what, no agreement. Unenforceable.   pers id be totally ignoring them on all those. just because he got cash cowed for far too many years running the sb date to infinity, makes no odds to any of them.   old school..got had blind from day one, aided and abetted by yet again one of the so called charities, there to help..not!!   Dx    
    • Djokovic may not be able to defend his French Open title this year, according to the sports minister. I thought one of their ministers, can't remember who, might have said otherwise during the problems in Australia but this doesn't sound unreasonable.   Djokovic’s French Open title defence in doubt after Covid pass ruling | Novak Djokovic | The Guardian WWW.THEGUARDIAN.COM France rules all athletes will have to be vaccinated for sports events while French MP Stanislas Guerini says Novak Djokovic’s behaviour is...  
    • Youth Employment UK is growing and we are looking for three new team members to join us in our mission […]View the full article
    • Hi.   On the spreadsheet, the interest payments only stopped in July 2019, I have not paid anything to them since 2011.   CT is claiming that all deadlines to pursue a claim with the Ombudsman has long passed including the original claim for PPI to pay for the loan when off work due to ill health.   The National Debt Line said I should ensure that I can provide the 'exceptional circumstances' why any deadlines should be ignored and they stressed would be key to the Ombudsman accepting the claim as valid.   This backs up what CT are saying, no point in looking at your cliam further as the deadlines have passed - NOT with 'exceptional circumstances' it hasn't.   My claim is for:  1. My mental health condition at the time the claim was made (they can not say they weren't aware of that as they refunded £1700 insurance fee).   2. When a PPI claim was made, they never really dealt with it but updated the credit file from 2013 to 2019 as 'settled' therefore I would be right in presuming the dept was in fact settled, they wrote on my credit file it was.   3. They then updated the file in 2019 with missed payments and added a long term debt of £24k to the file, which they refused to change in 2019, but did change in December 2021, all of which I have screenshots of.   This caused me issues with credit as the score had flatlined for over two years until they did change it.   4. CT was deploying a deliberate attempt to 'buy time' to take me past the past six years deadline. After a long chat with Ombudsman, they have said my reasons for 'exceptional circumstances' are realistic and should be made as part of my claim.   5. My claim is for all of the 24k to be statute-barred/outstanding debt denied.   6. I am also seeking compensation for none payment of PPI and making it a condition of the loan acceptance and compensation for unlawful credit file entry causing considerable problems with seeking even simple basic credit such as mobile contracts. The claim is now with the Ombudsman and as long as I can overcome any issue with time limits, I will be fine and looking forward to nailing them to the rafters.   I have received an email from the Ombudsman saying the claim has been received.
    • Excellent! It is what I was hoping a well phrased (and not too pushy) letter might result in. In the end, they want to encourage ticketed-travel.   By showing you never intended to evade your fare, and by accepting that you had made a mistake : opened the door to them thinking “we don’t need to punish this person, likely they won’t let it happen again”   Result. Well done, bet you are relieved!
  • Our picks

Dessie v Abbey ***SETTLEMENT REACHED***


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Congratulations - I adding up my chrges now - I was worried about working out compounded interest but think I will just list it as you have done and see what happens - I ahve been told to send to Alan Betts Head of Unsecured Debt Management - at Grafton Gate East - is this who you dealt with??

 

 

Thanks - and ...I know its a daft question but how do you start a new thread? I.m having a bad day!

 

Kathie

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Still waiting for the money to arrive in my Abbey account. I have had the settlement letter from DLA and to day is 10 days from agreeing a settlement. I will phone the bank again tomorrow and will be onto Alison Burton if I dont have any joy.

 

As regards a question that was posed a couple of posts ago - I spoke to the Abbey regarding access to the account as I decided to have the money paid straight to there rather than waiting for a chaeque and then waiting ofr it to clear. I was told that the account is still active but the only way I will be able to access it is through the branch. As soon as the money is paid in then that will clear the £1k overdrawn balance and the rest is mine and will be drawn over the counter in cash (because I like to be awkward) and transferred to my Nat West account. They can then have my cards etc and close the account.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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edit....

 

drawn over the counter in cash (because I like to be awkward) and transferred....

 

I don't know what the cash limit is, but I suspect that more than a few hundred might need to be "pre-ordered".

Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00

Abbey - Won Charges Refund of £1050 - Nov 06

Egg - Recovered £220 due to Customer Services misinformation - Feb 2007

Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.

 

Please check out my web site www.BankChargesScandal.co.uk for Research, Useful links and my story.

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I am expecting to have to speak to the bank before I go in and get the cash. It will a pleasure to accept the cash and then hand over my card and tell them to close the account.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Still no payment today, and today is 10 working days from agreement being reached. Alison Burton is out of the office and I have been speaking to Paul Denham this afternoon. Have phoned them to chase up payment but been stonewalled basically.

 

Will be phoning him again in a mo, he says he has passed it on to a colleague who was on the phone when I asked to be put through to him.

 

I have told him that if I do not receive the money in my account by the end of today I will be withdrawing my offer as "full settlement" and will be proceeding with my claim for the full amount (about another £500-600).

 

Am a bit stressed and quite a bit annoyed.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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Have issued ultimatum through DLA and guess what?

 

10 minutes later, a phone call to say that a cheque has been paid into my account.

 

But

 

A CHEQUE???????

 

Abbey paying an Abbey customer some money and they pay by CHEQUE rather than a direct transfer grrrrrrrrrrrrrr

 

Anyway, money will be available once the cheque has cleared on Thursday :D

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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They are just ensuring that they get some of their money back through the overnight markets

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Cheque has cleared today :D

 

Time to start round 2 I think.

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

1st Abbey claim settled 11th August - £5248.79

2nd Abbey claim started 21st September 2006

DPA letter posted 22nd September

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