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    • You need to speak to someone at the Council and ask the following questions: 1 - how many Liability Orders they have against you 2 - the dates they were obtained 3 - the addresses they were for 4 - the period of time each covers 5 - how much each one was for 6 - how much is still outstanding 7 - the dates they were passed on for enforcement 8 - the dates & amounts of any payments Please note they need to prove you owe the debt not just say it is outstanding.
    • Your original debt will be the sum on the liability order, the council will tell you, the bailiffs should also give you a breakdown when asked, email them, you may get a better response.
    • hi all i did fill out my defence, now waiting for next step. never been to hearing in cc, what will happen on the day, do i need to prepare anything, can i add any defence on the day? bear in mind, the PE have not responded to my CPR request. thanks all
    • Thanks for the replies, its so daunting with all the emails etc, have 2 lots going now, MP with council and Dukes. Hopefully will be sorted and if owed then a reasonable payment agreement.   How do you find out exactly how much the original debt was, and how much is charges? I thought it was to ask for a breakdown, but as I showed in my early post, when I asked Dukes it just showed what I have on bailiffs letters, and dates. How do I find out the original amount?
    • It feels like we’re going round in circles a bit here.  Can you confirm:   a) whether you have made a claim to the Hoseasons insurance policy yet (not a complaint to Hoseasons directly); b) whether you have, or can get, a copy of the letter that the school photocopied, that could can send in with your insurance claim?   Everything else is just distraction, at the moment.
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
SR7133

Clydesdale Bank **SETTLED**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2449 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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Hi Patricia,

 

Mine is just over £1000, and i got a cheque through the post for half the amount, just after I had issued court proceedings. Of course I have not accepted it, and I will hold out for the full amount. I also have just received a full refund from Sainsburys of £100. Not alot, but every penny counts as far as i can see.

 

Let me know if you have any questions, its probably best to start your own thread as well

 

Stef


Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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Hi Stef

 

Thanks so much for that - just found the ' Letter Before Action'

Not used to this kind of thing...

It's great to know that this site exists and that people actually offer support and help! Will be sending off the LBA once I've read through a few more postings. Especially the ones where Y/B have refunded! feel a bit wary though, I must admit..asking for so much dosh back!

 

will keep you informed - Patricia

Hi Patricia and welcome. Can I suggest that you start your own thread so we can all follow your progress, and if there are questions you have that aren't answered in the FAQ's we can try and help you out.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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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YEEEEEESSS!!!!! Massive congrats to you - I've been away for a while and THAT has made brilliant reading!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Well Done with your WIN SR7133.

 

Just out of interest ........

 

Did you respond to the counterclaim ?

 

Have been following for some time and correct me if wrong.but if the claimant does not respond by means of defence to the counterclaim within 14 days then they can enter judgement on the claimant.

 

Can you advise .

 

Thanks

 

MF5

 

By the way this is in small claims court in England I think .

 

Does this apply in Scotland as well?


Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL bogieblizzard-buys@yahoo.co.uk

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Maroonfox/

 

I think that there may be a difference in the two legal systems but in short the answer would be no. Betwen the Preliminary and Full Hearing, Clydesdale Bank offered to settle for a smaller amount but when I rejected this they came back with the full amount + interest etc. Had this not occurred then I was going to Court to present my case - I had no information about responding to their counterclaim but I will find this out if I get to this position again. Now claiming refund of charges from Clydesdale Bank for £1780 which were incurred between 2002 and June 2005 and will take this up in £750 "bites" (keeps it in the Small Claims Court where expenses are capped at £75)

 

Best of luck with your claim.


Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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SR7133,

 

Thanks for your reply.

 

Really glad I bought the small claims procedure guide book ,by P Pearl.......

just found this on page 54.

 

Quote

 

'Warning: with effect from 2 May 2000 a defendant can obtain judgement in default of defence to counterclaim in Small claims cases':x

Looks like YB are trying to pull a fast one on me as I would have totally missed this..........I have to defend this within 14 days .

 

Done it today.

 

Better start a new thread on this one.

 

Regards

 

MF5


Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL bogieblizzard-buys@yahoo.co.uk

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SR7133,

 

Thanks for your reply.

 

Really glad I bought the small claims procedure guide book ,by P Pearl.......

just found this on page 54.

 

Quote

 

'Warning: with effect from 2 May 2000 a defendant can obtain judgement in default of defence to counterclaim in Small claims cases':x

 

Looks like YB are trying to pull a fast one on me as I would have totally missed this..........I have to defend this within 14 days .

 

Done it today.

 

Better start a new thread on this one.

 

Regards

 

MF5

 

Interesting.So am I correct in thinking that if they counterclaim and we dont respond with a defence,then they win? Or if we do respond with a defence,then we are back to square one.Because they would then have to appear in court and justify thier charges to win thier counterclaim


;) If this helps please click the scales bottom left

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Rang the court this morning and asked them what to do.

 

They said until the case is allocated as it hasn't been done yet I have time to defend counterclaim from then .

 

So just waiting for that to arrive with a copy of their defence.

 

I thought I had to respond to the defence and date that was sent to me by YB direct

.

 

Will update and start a new thread

 

Regards

 

MF5


Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL bogieblizzard-buys@yahoo.co.uk

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It's Good To See That You Have Won Your Case>this Bank Put Me In Deep Debt Because Of Unfair Charges>i Intend To Start Action Against Them Unfortunately I Am Not It Literate So I Expect To Take Longer Going Through Website

Well Done And I Hope I Have The Same Success

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This correspondance has been inspirational!

I will be watching your case with great interest.


09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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SR, whatever happened with your subsequent claim?

 

Hope you got on fine.

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Pitsfordpirate

 

Apologies for not responding sooner but in relation to my subsequent claims my new thread is here - getting there slowly but surely

 

http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/27700-sr7133-clydesdale-bank-pre.html


Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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hello all

 

Not sure where to post this - but recieved letter today to say YB have settled out of court for my claim of 682.00 - taken since August 1st - soooo pleased and I wish everyone the best of luck with their claims - hope some more come through before Christmas !!! can't get to demo on 1st Dec. but will be watching the news and will be there in spirit with each and everyone of you xxxxxxx

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Hi - I'm very pleased you got your money back! I had to put everything on hold for one or two reasons. Anyway, I'm back, but I need some help please!!! I purchased the small claims pack and am just goingto fill in the N1 form on line. But what address to I put on the form for YB? Is it my branch? Or is it the Head Office? What's teh address if it is the latter? Am I doing this right do you think? Bit confused! Incidentally, I got a letter back from my branch in September to say that if they hadn't heard from me in 8 weeks they would consider rhe matter closed! Do I have to go through the whole rigmoroll again or can I proceed with the claim? Any thoughts, help or advice would be very much appreciated!!

 

Patricia C:confused:

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Hi Patricia C

 

I would suggest that you start your own thread on this matter(it keeps things clearer)

I would put your local branch address that you banked at then your claim can go up to £5K in small claims as it is in England and you can use MCOL.

Don't worry about the 8 week thing thats on their terms not yours.If you have done the prem and LBA letters then I would go straight to MCOL stage .Also make sure that you have sent them a schedule of charges to date.

 

Regards

 

MF5


Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL bogieblizzard-buys@yahoo.co.uk

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Hi

 

 

I received my bank statements(after about 80 days)

 

I have totaled up the charges over the past 6 years which amount to £4000 (not including interest.)

 

As I live in Scotalnd should I avoid the small claims court and go straight to the ombudsman or do i have to make 5 separate claims?

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First of all i would like to congratulate SR7133 from beating Clydesdaly! there an absalute mennace!! there really anoying me just now! took me monthsto recieve my statements/charges through the post! eventually when i tottaled them up - £about £1600 sent them a letter asking for the full amount they tried to fob me off with a check for £200? are you joking!!! who do they think they are!? anyway i have my complaint joined with the FOS, They told me to send the check back and they can hopefully get the full amount back to me? i think the FOS Is very helpfull and saves alot of time going through courts etc! xx il let you know what my next offer is from the bank? fingers crossed its more than £200 xx


Thanx for your help again,

 

Caroline x:p x

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£599 Product Fee

£40 BACS charges

over 5.5x the Boe base rate

What does it get you a first time buyers mortgage where the bank are 5 days late completing the draw down payment to the solicitor and risk loosing your first home! To top it off not even a sorry or genuine regret! The managers arent mortgage trained so cant help you so you get papped through to a call centre where the manageress refuses to speak to you or acknowledge the size of the problem!

I have started a facebook and twitter account to share stories

ClydesFailBank look it up and join in!

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This topic was closed on 03/06/19.

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


Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2449 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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