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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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bigmama v Abbey


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I sent a SAR to Abbey on 24th November asking for details on 2 credit card accounts and today they sent me some of them with a letter saying as a gesture of goodwill they are crediting £80 to one of the accounts and returned my cheque of £10. Any idea what I should do now?

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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I would write to them and thank them for their goodwill payment. and inform them that when you recieve the full info on your accounts you will send them details of what they owe you.

 

I have had two similar letters from MBNA.

 

The first time I wrote back they cridited my accound with £300 and the second time I wrote sending the schedule they offered a further £546.00.

 

I pointed out that I did not ask for "Goodwill" just my charges back.

 

I am awaiting their 3rd. response.:)

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Do they still owe you much more then? Did they actually pay the two amounts into your account?

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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Do they still owe you much more then? Did they actually pay the two amounts into your account?

 

hi Bigmama,

 

Not a great deal more. On my letters to them I have 1st asked them for charges ( £300). Then pointed out that at court the would halso have to pay 8% at court ( £546). the origional claim is all but paid but I have now asked them to tell me whether they are giving me "goodwill" which I understand to be recompence for my disatisfaction. Or whether they are reimbursing me for charges. |i have now pointed out that if I take them to court I could charge a contractual rate @ 15.9% or higher. I have asked them to respond by supplying me with the highest rate of interest I have paid. Or a copy of all the interest and balances ( as they only supplied a list of charges). Or to calculate the amount for me and send me a varifiable copy. I want them to admit they are charges. But if I do have to go to court, I also want them to produce "avoidance letters" to give me some evidence.

 

Besides.....;) I'm enjoying winding them up!:D

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  • 5 weeks later...

Have you heard anything more yet?

 

I sent off a prelim letter with a schedule including contractual interest but haven't had anything back yet

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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  • 2 weeks later...

Sent LBA

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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Hi bigmama

 

Did you give them a time scale?, if you did then once that has expired issue your claim on the N1 or with MCOL. Good luck.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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I sent the usual LBA with the 14 days timescale so they have until the beginning of March

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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Hi bigmama

 

Karn is right get the N1 ready as you will need it. Templates library is very useful as is Karns links. Attach a schedule of charges to the N1 and good hunting.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Thanks both of you for your help:)

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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Received more statements today with more charges on them for 2003 that they conveniently had forgotten about! Can I just send an amended LBA with these included or do I have to start again? The 14 days from the previous LBA would have been up on 2nd March.

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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Yes just amend the schedule to include the new charges, and tell them in the LBA that you have revised and ammended the schedule to reflect recent further information received from them.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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  • 2 weeks later...

Got a letter yesterday to say they don't agree with me but they are refunding all the charges!:)

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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  • 4 weeks later...

They have credited the charges back on my card statement so at least I don't owe them as much now and it should be paid off by the summer:)

Son v Halifax settled in full £292

Another son v Halifax settled in full £30

Bigmama59 v NatWest settled in full £4739.69:)

Son v Halifax 2nd claim settled in full £130

Bigmama v Halifax settled in full £1125

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