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    • Nope       .. unless he knows something we don't yet know - but maybe has been hinted at Particularly with his mention of vaccinators sitting around doing nowt in the near future ..
    • ' what i will guess because BCD(L) is rather new to the game, they've not yet found out they can all but ignore the earlier date.   this has ofcourse give you a huge advantage.'     Thankyou.   Lol, lets hope thats the case. Unless they are much smarter than all of us and called a bluff.   In their email they say please find attached our bundle, a cop which has been filed at the court.   The bluff could be that they haven't filed it at the court by the earlier date, but they hope hope that I submit mine by the first deadline, which I have now done. Gives them a chance to look at my WS, make any changes to theirs and then actually use the later date to file their papers at the court, having had the benefit of looking at my WS     Who knows, these solicitors maybe me smarter poker players than we thinkk lol
    • well lets hope this time you see it through..not get help and disappear for 6mts......   you need to gather information not simply keep waving ones arms and going wah..wah i've got this problem its wrong  its not mine its unfair i want it gone now   you have an sar running to whom we believe is the original creditor vodafone. you have an sar running to lowells whose name is shown as the owner.   from those we should be able to find the truth here and get a plan of action going forward.   however to date i'm not convinced a telecom default is the only reason why you are getting refused whatever it was credit wise that restarted your quest.   most if not all lenders today ignore a telecom default if thats all thats bad.. my gut tells me there are other reasons you have for being refused by whom on what type of credit and if they even gave a reason why..pointing directly to it being because of this default..   ..if this is the only thing on your credit file     
    • Agree with dx view on this.   If you find an independent whole of the market mortgage advisor, they may deal with smaller lenders (not sub prime) who may consider you, but only if you took certain actions with the debts.    I think your next step is to have a long telephone conversation with an independent Mortgage Brokers and they should given you an honest view on options.   Perhaps there are property purchase options such as shared ownership, where you may be in a better position. 
    • yes you should have addressed this 3yrs ago... it's not your home and to all intent and purpose for the last three years have been all but renting it by paying everything...poss for a quiet life which is understandable.   not my bag so i'll butt out now unless i can see my input helps.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Tobes v Egg


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Tobes

 

just a thought, if you have anything prepared i would take it with you. If the judge asks a question and you have all the information with you no problems.

 

It would be bad to be asked a question about your case and not have the actual figres to hand.

 

JMHO

 

Glenn

 

PS and it will probalby show that you have a good idea what youre doing to if its all ordered and youre ready to go as it were.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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if youre struggling to know what to put together there is an example bundle list in karnevil vs abbety and jonni2bad has a list in one of his threads too i believe.

 

HTH

 

glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Good luck for Tuesday Tobes, I'm soon gonna start a claim against egg myself, as soon as i've finished with a couple of others. It looks like its gonna be hard work, but at the end of the day i don't see how they can justify their charges.

 

All the best

lee

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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Hi Tobes, have not got round to docs. yet. If you want me to e mail just say the word. Best of Luck, goes without saying. Yasmin

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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Just to say good luck for tomorrow..am just getting my acct numbers etc and will be sending off my SAR to Egg this week....

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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Just tell him, HI from the CAG group and we should all hopefully keep him out of the office and travelling through the UK for the considerable future!

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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lol well I'm back from the Court!

 

The judge was very pleasant and helpful and not at all intimidating.

 

Egg weren't there, and she said that they were meant to have been conducting the conference by telephone, but they didn't call so it was just me and the judge lol The judge didn't seem too concerned by this though

 

She said she wouldn't at this stage by ordering standard disclosure because she thought it disproportionate, which was a bit of a blow because I know that Bookworm's judge ordered it, but oh well

 

Anyway, her order was that Egg should within seven days send to the Court their draft directions, i.e. what they want to happen and that they also send details of any other claims against them in my Court, or if not, then neighbouring courts so that the claims can be consolidated!! This may mean that I'll be seeing some of you guys at a later date!! It also may mean that I might have to travel to another court :( but it's certainly an interesting turn of events...

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Well done Tobes...shame she didn't grant standard disclosure. That is interesting, about the neighbouring courts thing. Guess you'll just have to wait now then.:rolleyes:

Woolwich won in court/default removed Barclaycard Settled Halifax settled

Capital 1Settled GE Money Settled

Egg Settled-court action re.default 4th hearing!

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  • 3 weeks later...

I phoned the court because I'd had no word for a while and apparently Egg has requested that the judge's order be set aside and that their be a Case Management Conference...If they are given it I shall be extremely peeved because there has already been a bloody CMC but they failed to attend or phone as they had indicated they would...It just seems like they're stalling and that they don't care about doing anything the court requests and that the court doesn't care either...

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  • 4 weeks later...
  • 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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Please note that this topic has not had any new posts for the last 5185 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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