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    • 1. Cabot and old sav credit card debt.. looks like for years he was scammed by clarity credit management out of money. Nothing new there, thats all rhey ever did. No signed agreement, no nothing to prove the debt. Sav credit would never have had a signed agreement. Card will be 80's era if not close too. Unenforceable!!   2. Natwest duo MasterCard..now rbs..cabot. No signed agreement. unenforceable.   3.  An mbna card from about 1999/2000 idem dca scammers no signed agreement unenforceable   4. Some kind of lloyds credit card, with idem. Theres a signed application form but that does not meet the requirements as there are numerous prescribed terms on that missing . Unenforceable.   5. Some kind of rbs secondary? finance no idea what, no agreement. Unenforceable.   pers id be totally ignoring them on all those. just because he got cash cowed for far too many years running the sb date to infinity, makes no odds to any of them.   old school..got had blind from day one, aided and abetted by yet again one of the so called charities, there to help..not!!   Dx    
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    • Hi.   On the spreadsheet, the interest payments only stopped in July 2019, I have not paid anything to them since 2011.   CT is claiming that all deadlines to pursue a claim with the Ombudsman has long passed including the original claim for PPI to pay for the loan when off work due to ill health.   The National Debt Line said I should ensure that I can provide the 'exceptional circumstances' why any deadlines should be ignored and they stressed would be key to the Ombudsman accepting the claim as valid.   This backs up what CT are saying, no point in looking at your cliam further as the deadlines have passed - NOT with 'exceptional circumstances' it hasn't.   My claim is for:  1. My mental health condition at the time the claim was made (they can not say they weren't aware of that as they refunded £1700 insurance fee).   2. When a PPI claim was made, they never really dealt with it but updated the credit file from 2013 to 2019 as 'settled' therefore I would be right in presuming the dept was in fact settled, they wrote on my credit file it was.   3. They then updated the file in 2019 with missed payments and added a long term debt of £24k to the file, which they refused to change in 2019, but did change in December 2021, all of which I have screenshots of.   This caused me issues with credit as the score had flatlined for over two years until they did change it.   4. CT was deploying a deliberate attempt to 'buy time' to take me past the past six years deadline. After a long chat with Ombudsman, they have said my reasons for 'exceptional circumstances' are realistic and should be made as part of my claim.   5. My claim is for all of the 24k to be statute-barred/outstanding debt denied.   6. I am also seeking compensation for none payment of PPI and making it a condition of the loan acceptance and compensation for unlawful credit file entry causing considerable problems with seeking even simple basic credit such as mobile contracts. The claim is now with the Ombudsman and as long as I can overcome any issue with time limits, I will be fine and looking forward to nailing them to the rafters.   I have received an email from the Ombudsman saying the claim has been received.
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Bos/Halifax, English & Scottish Courts????


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Good morning to you all. New boy here.


Bit long winded but please bear with me.


1) HALIFAX (£275.00), I see the main head office address is being banded around a lot, but we have written to our local branch, and been given the usual "sorry youre not happy, but read out rems etcetc" but at least they have acknowledged it I suppose. When we come to instigate court proceedings do we carry on using the branch or is it better to go through the head office in Halifax ?


2) Bank of Scotland. (£1200.00)

We live in England, but our account/head office is in Edinburgh. Do we use the english courts (Moneyclaim etc) or is it by way of "Summary Cause" through the Scottish courts, as the defendant lives in Scotland ?.


I got really confused as they have merged, but we have been stiffed for charges when they were seperate entitys and as a merged bank.


Im sorry if this is asking the bleeding obvious, your website is brilliant and FULL of really good advice, but its taking a while to trawl through it all.


Thank in advance guys..

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Hi and welcome to the forum Grantdl.

I would use the Trinity Rd address for the Halifax from now on. the RBOS can be claimed in England as that is where you reside. I would also personally use a manual N1 form as well and not the mcol.. its just a personal choice.

Some useful links..



Step by Step Guide




A-Z Guide to stuff


How to Start a Thread



Letter Templates


Rejection of Settlement/Goodwill Gestures


Interest Spreadsheet


Contractual Spreadsheet

http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html

Court N1 form


Court Bundle


Preparing a Court Bundle


Bank Contact Details


Moneyclaim Online


AQ Guide to Completion



Court Fees


Data Prot Act Non Compliance


ERC Letter for Mortgages


Witness Statements for Court Bundle


Banking Code website


Limitations Act


fast track costs


Scottish Procedure


Scottish Forum


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