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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
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    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
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JackG - V- Barclays Bank


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Yes Jack ,it's a full hearing with bundles, but you've still plenty of time.

 

Meanwhile, how about something like this :

 

Dear ........

I am sure that you have now received the hearing allocation date of xx xxx xxxx from xxxxxx County Court and are aware that the Judge is asking for ‘Small Claims Track’ .

 

The amount I am now claiming from Barclays plc is £xxxx xx. This is inclusive of Interest up to and including xx xxx xxxx. An up to date copy of the Schedule of Charges is enclosed herewith for ease of reference.

 

I am sure that the courts would approve of our settling this matter without their intervention. Further action can only result in further costs, e.g. preparing Court Bundles, Interest to 3rd August 2007 etc.

 

I hope to hear from you soon so that a speedy resolution to this claim might be achieved.

 

Yours Sincerely

 

 

This one worked for me, although they may wait till the last minute before they make an offer. Worth a try - nowt to lose, much to gain, Jack!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Thanks Saintly_1 for the advice, I read it with interest and have decided to email Krysta Campbell to ask who is dealing with my case and I will eagerly await a reply from her and then will send nudge letter

 

So, hopefully I may be as lucky as others on this site.

you never know

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Hi Johnnymitch

 

Great minds think alike. Thanks for that, it looks just what I want to write to them with. As said before have emailed Krysta Campbell to ask for contact name and then will forward your letter above to try and prompt them to settle early.....forever hopeful thats me.

 

Been trying to catch up on all news tonight reading other threads that have been following over past weeks, seems like I have too much to take in with all thats happening to others, things have moved on so quickly since I was last on here.

 

See you got settlement, you lucky thing! Hope mines here soon

 

will keep you all posted with updates

 

thanks again, advice greatly appreciated!

 

best wishes

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Jack, emailing Krys a couple of weeks ago,, she told me she was very fed up with the work load,,,anyhoo, since then she has gone real quiet, not answering her phone, replying to emails.

So what Im suggesting now is that people email the primary cantact for the Lit Team but also copy a couple of others in too, this way you get more chance of at least one replying

Dino is top fave at the moment with Quinn at the bottom.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Hi everyone

 

latest update for you to groan at just like me when I heard!

 

Emailed Dino this am to ask who was dealing with my claim and was informed this pm that Paul Quinn was the one. Told in earlier post by Dar£n that P Quinn at bottom of fave pile. Anyone had dealings with the guy, and any tips on how to deal with him would be greatly appreciated!

 

Court date is 23.8.07 and going on hols in 3 weeks time for 2 weeks and would love to have something settled before then - any ideas as to my luck??

 

bet its no go - anyway, response eagerly awaited from anyone with any knowledge of this guy - thanks a lot

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any ideas as to my luck??

 

I wouldn't put my shirt on it, Jack - you'll get your money Ok eventually, but rumour has it PQ goes right to the wire . :(

 

I would love to be proved wrong, though, it'd be a nice bit of spending money for your holiday - going anywhere nice? :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Yeah, hopefully, if the sun starts to shine, touring Europe for 2 weeks, shd be fun!, but means will have to start bundle next week as when I get home, will only have 2 days to get it to Court and posted to Barclays before i hit 14 day deadline. so will have to start on it next week so that its ready for when I get back from hols.

 

By the way, should I post it 1st class recorded delivery to Court? then should I post to Barclays Bank or their litigation team??

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Hi Jack,

 

How many times have you heard that?

 

No question you'll get the money but I wouldn't count on it before your holiday. Have a trial date for 9 August and Barclays are nowhere near dealing with it. They're dealing week by week according to trial date and reckon a few weeks before they will get to mine.

 

Just thought I'd let you know.

 

Cheers,

 

John.

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By the way, should I post it 1st class recorded delivery to Court? then should I post to Barclays Bank or their litigation team??

 

 

If you're not close enough to the court to hand it in, I'd send it 1st class recorded, just to be sure. Also send to litigation team, it's them you're dealing with now that courts are involved.

 

Anyway, hope you have a good holiday, whatever happens, sounds like a lot of fun! :cool:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Jack,

 

I forgot to say earlier that I took my court bundle in personally filed in a two ring binder with dividers between each section. I thought it might please the judge.

 

I put the bank's bundle in a big envelope addressed to the litigation department in London, took it into my local Barclays branch and told them it was extremely urgent. They put it in the overnight internal mail, saving me about ten quid.

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Will take both advice and hand Court bundle in at court, and hand Barclays bundle in at local branch and get them to post it - it's the least they can do!

 

Cheers to you both for the advice. Good luck John with court date of 9th, only about ?5 weeks away - the end is in sight, here's hoping to yet another victory.

 

Thanks Johhnymitch you have been consistent with your support and its much appreciated.

 

many thanks - will keep you all posted to new developments as and when they happen - have good weekend everyone!

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Glad to be of help, Jack - having been down this road twice now, once with Barclays and once with HSBC, I've picked up a few wrinkles along the way (in both senses! LOL).

 

Funnily enough, I didn't have to produce a bundle in either case, the full offer came before that was necessary, in response to a 'Nudge' letter.

 

However, the ethos seems to be changing - they're going closer to the wire, thereby pushing people into doing bundles which are most probably not going to be used. This will put some claimants off going any further (which is the object of their exercise) but for those who stick with it, the end result is the same -"WON"!!:D

 

So, you know what to do, Jack - and have a good week-end too.:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi, Need Advice on Court Bundle please.

 

Am starting court bundle from link on this site and have saved it in word. Obviously, I think I need to re-type certain pages eg Index page, Early day Motion, OFT summary, as advised by bookworm in link to Court Bundle. But HOW ON EARTH do I number all the pages before and after the above, as once saved in word it doesn't want me to edit it. Am I doing something wrong with this link, if anyone has done their court bundle, please could you advise asap

 

thanks a lot to anyone who could help me

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ALSO, in my court bundle do I have to include all correspondence I received from the court for eg. MCOL application that I printed off when I filed MCOL, Notice of Acknowledgement (from Court) Notice of Transfer of proceedings (from court) etc.

 

advice requested please as can't go any further until this is done. thanks

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Hi Jack,

 

Ref:

But HOW ON EARTH do I number all the pages before and after the above,

 

I can't understand why you aren't able to add page nos. I've just downloaded the Basic court bundle and was able to number the pages before and after saving it,

 

This was done in word via Insert/page numbers/ footer/ right/OK.

 

I hope I'm not stating the obvious here, but it worked for me, Jack

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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This is the link for the Basic Court Bundle ,Jack I would include all the coerrespondence you've got - in chronological order- under the first heading on the Documents list i.e. Correspondence.

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=296&d=1174895919

 

Be nice if they came up with an offer soon, they've messed you about long enough!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Just another thought, Jack - maybe you should let Barclays know when you're going on holiday, just in case you get an offer while away (unless you've got someone looking out for your mail). If you don't reply they may asssume you're no longer interested..........? :eek:

 

You could try ringing/fax/ e-mail. It may prompt them into making you an earlier offer....:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks for that Johnnymitch will do that re' footer/header etc and will also try and email them this weekend as going away next weekend and would love to settle before that as when I get back I've only 2-3 days to get bundle to both parties. before 14 day deadline.

 

so cheers again for advice will try that tomorrow night, just couldn't get my head round how page numbers would be inserted. Oh to be a proper typist!

 

Anyway, as mentioned earlier, emailed Paul Quinn last weekend but not heard a thing back, sent him a nudge letter etc and attached SOC's but nothing back. Not surprised really, must be inundated, poor things!

 

but will crack on over weekend

 

best wishes Jack

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Jack , I hope I haven't led you on a wild goose chase here, - I've just had a thought that , if any of your documents are '.pdf ' word will not number them as it's a different format. Without special software you can't change them apparently. It's also likely that you will have some in this category.

 

I've asked around and the general answer has been - get your biro out and number the first bundle before copying the rest.

 

Hope I haven't wasted your time.........:(

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Ok Johnnymitch, cheers for that advice.

 

Have took biro out and numbred all pages so lo and behold! bundle ready to copy. Thought best to have all numbering in same style (biro) neatly in centre at bottom of each page, rather than some biro and some printed. Will hold off photocopying complete bundle until I get your thoughts on that. Have used best handwriting and black biro so should copy ok. Will start copying tomorrow night, should I just do one copy at this stage? or should I do all 3. Have only 3 nights this week before going away for 2 weeks, so need to know asap.. Also trying to buck courage up to ring PaulQ to let him know I'm away from friday for 2 wks. Don't quite know what to say to him when I ring. Any tips?

If I only copy 1 set, can do other two when I get back and post them 1st class recorded delivery so they get there before 14 day deadline b4 court case! Just in case???? B's settle before I go away. coz that wud mean lots of wasted paper and ink!!!!!

 

thanks again Johnny for your help and advice- much appreciated

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Thanks for that Saintly1, wondered if I could do that or if I needed copies all round. That would save doing any more copies before I go so thanks for that advice.

 

You never know, they might settle this week, will keep you all posted if they do, coz that would be great going. I feel this has been going on for ages and ages now.

 

Don't think I would hve kept going with this if I hadn't had all the support from you lot.

 

Cheers again.

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