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    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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any more opinions on this?


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OKAY!

Ive gone through my statements for 6 years and it ended up quite scary at time ( and annoying ). Put everything down on a spreadsheet but need assurance and confirmation about a few things before I send it ( so that I do understand what I am doing is correct ). Is there anyone I can actually talk to about the spreadsheet?

Believe me, I have read FAQ's a few times but I still need a couple of things answered before i feel comfortable sending. ANYONE OUT THERE?

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why can't you post it here?

 

I can help?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 3 weeks later...
  • 2 weeks later...

Just for interest to anybody, I didnt here from Ms Watt after sending my request for payment even though i gave a few extra days so LBA letter went off today recorded delivery. So now sit and wait. Also sending off for Pearls small claims booklet to help in next stage.

The force is with me.

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Eh? You sure Sandy is a bloke? Someone on here said they spoke to HER?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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mm okay...I can find about a dozen threads where the reference is masculine, so I must have picked up that nugget in there somewhere....

 

Apologies to the OP, and also to the delectable Ms Watt (I do like scottish girls :) ) if it will help my settlement along. Maybe she looks like that 'Ruth' that used to be in Eastenders. yummy. :p

 

If it doesn't speed my cheque to my doorstep, she's prolly more like Rab Nesbit's missus :D

 

This will teach hir to come sneaking round our forums, huh? hehe

  • Haha 1
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More like Mo I'd imagine....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hello,

Now in a quandary here.

One week after LBA letter sent I have now received the 'blah de blah' letter from RBS. But as a goodwill gesture they are offering me £4,xxx.xx to be paid into my account. This is just £350 short of what I asked for! As I am unemployed at the moment this is a godsend ( or should I say a CAG send ). Tell all the people that you see that if I can do it, anyone can. I have at least half a dozen friends who were sitting waiting to see the outcome of my claim, to scared to take up the challenge themselves. I think this will change now. Of course the bank still has to actually put it into my account. One thing that is annoying though is that the bank responses come without a date actually on their letters. Is this more incompetence for something so important!

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Superb news beardy. Well done.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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