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    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
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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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Help? PC23 v Capital One***WON***


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Soz, been away for a few days. Did you claim contractual at the bank? Your wording may need to be slightly different.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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OKay cheers UK. Is there a spreadsheet like this one for Credit Cards?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Spreadsheet 13 here:

 

VAMPIRESS'S CHAMBER

 

You will have to register a couple of details, it's free to use.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I have worked out interest using the monthly rate on my card and applied this to the charges from the month after they were debited. I've also compounded this - meaning my claim is some £400 higher. Do I need to go back to letter 2 - or can I send a different claim to court??

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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hey,

if you have sent your prelim and lba, you will need to send a revised lba with a new schedule of charges.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Should I use the standard LBA, or do I need to refer to my original one at all?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Just send the one like you sent before but add a paragraph saying something along the lines of " Since sending my previous letter, I have thoroughly researched the issue of reclaiming bank charges and I now understand that I am entitled to claim Compounded Contractual interest. On this basis, please find enclosed a revised schedule of charges"

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Cheers Red... will do

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Ta

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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PC, If you remind me of your email addy I will email you the POC I used for Cap one if you like in a word document as I think it may need to be slightly different for the bank, especially if you didnt claim contractual at the bank.

Or, just email me if you still have mine.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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  • 2 weeks later...

I have asked Capital One for interest rates but they say they cannot supply anything other than existing rates - which differ for purchases, cash advances and balance transfers. How do I apply contractual interest to my claim?

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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  • 4 weeks later...

ANOTHER VICTORY... FILED MY CLAIM AT COURT - WITH CONTRACTUAL COMPOUND INTEREST. Then Capital One responded indicating they intented to defend claim, but with in two weeks they had cleared my credit card balance and wrote to me yesterday saying they will post a cheque for the remainder... SETTLED IN FULL.

BATTLES WON/ONGOING

NatWest Bank- £8k+ **SETTLED IN FULL**

Capital One - £2k+ ** SETTLED IN FULL**

Cahoot - £255 **SETTLED IN FULL**

Abbey National - £385 **SETTLED IN FULL**

Central Trust - £3k+ **SETTLED IN FULL**

GMAC RFC - £2k **SETTLED IN FULL**

Now going after Natwest (again) and Halifax.

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Well done . .great job...Congratulations. Don't forget to let the court know your claim has been settled.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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ANOTHER VICTORY... FILED MY CLAIM AT COURT - WITH CONTRACTUAL COMPOUND INTEREST. Then Capital One responded indicating they intented to defend claim, but with in two weeks they had cleared my credit card balance and wrote to me yesterday saying they will post a cheque for the remainder... SETTLED IN FULL.

 

 

well done pc23 make sure you have your money before you close the claim though.

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Brilliant news! Well done!

When it has all cleared, put a wasted costs order in too!

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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