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    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Now i'm wondering if i can start a claim, i had an account with Abbey about 6 years ago which i defaulted the account is closed as i had stopped using them i still have an entry on my credit file stating that i owe £140 i don't remember my account number so what do i do?

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Now i'm wondering if i can start a claim, i had an account with Abbey about 6 years ago which i defaulted the account is closed as i had stopped using them i still have an entry on my credit file stating that i owe £140 i don't remember my account number so what do i do?

 

Do you still owe £140? Also, what do you mean "about six years ago"? 6 years is generally accepted as the limitation period for recovering charges (although we're working on a way round that). Perhaps if you can answer these questions I might be able to help you a bit more.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Try telephoning the bank and asking them. Failing that you could invest £10 on a subject access request. As the account has been closed so long you will probably have to supply identity information. At the are likely to take their time responding to and when they do respond to it will probably be to ascertain your identity. You could try and pre-empt that by sending them a copy of your passport, driving licence, and the utility bill but do make sure that you also send them the £10. I suggest that you send it all special delivery. The best address to send this to would be the address which they have used to register themselves as DPA controllers and you will find this on the information Commissioner's web site which is linked in the library

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Sorry taken long to reply but have had a bad week dealing with all different issues which i'll bring up in another thread.

 

I recently got a credit file from Equifax this has details of the money i owe is it possible to use these details to get in contact as it is supplied for useful addresses i guess to address the debt that has not been paid.

 

Well i stopped using the Abbey account when i opened up the RBS account so i would definately say it's been over 6 years so i might have missed the mark for that, how long does a default stay on your file for or can they keep renewing it??

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I don't know about the default but if you can get the information out of them about the account, then the Statute of Limitations allows you to claim for up to 6 years from when you found out they were acting unlawfully. The only problem is, they're not required to hold the information readily available for more than 6 years so they may be able to fob you off with saying they don't have the information any more.

 

Best of luck!!

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  • 12 years later...

This topic was closed on 10 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

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