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    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
    • Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   
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marcosw7 v Halifax


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Have filed a claim - 16th May 2006.

 

Halifax have made acknowldegment of Service on 17th May 2006.

 

 

I have been given a copy of it.

 

They have ticked the box - ' i intend to defend all of this claim'

 

should i be worried?

 

there's other options:

 

I intend to defend part of this claim

I intend to contest jurisdiction.

 

Is this just a standar response basically them saying that they are acknowledging they are defendants?

 

also... i have filed a claim but in doing so it only asked for a description. when do i provide evidence/ documents / calculated figures etc... is that only when it becomes a court case?

 

thanks,

 

marcosw7

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i filed on the 16th may and i have received the acknolegment saying the same, i too need to know what to do next, so far i have ripped some juditial information and also other things which may be relavent. good luck i will keep you informed.

andy

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its all in the FAQ guys. Read the step-by-step instructions thread.

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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right,

 

i have just found the FAQ - i think it'd be good if you put a notice on the Forum FAQ (ie above this thread next to USER CP) that the FAQ about the banks is in a separate section within the forum.

 

i know it sounds silly, but there's a lot of forums, so i didnt see them, hence when seeing the FAQ section above, trying a search and getting nothing i posted in the forum - might just have been me being thick, but it prob won't take long to do and may help others in the future!

 

well, i have had cash put into my bank account, and after having foned up, they have told me that they have refunded all the costs including court fee.

 

my question here (couldn't find in FAQ) is:

 

> they said they sent me a letter, which i have yet to receive. but as far as i know, the claim is still in process. What do i do?

 

i mean, i want a confirmation that they have accepted to refund the charges and that they cannot turn around and take back the money.

 

i guess the letter will explain that for me. but from my point of view, they have given m the money back. am i forced to sign something saying i will no longer pursue through the courts?

 

i mean. i am real happy they have refunded, but am perplexed as to why they have done so without getting me to sign anything beforehand.

 

they didnt even contact me(yet... before paying me). - i should be happy, but i'm a little cautious at the same time.

 

am i also right in thinking (not that there's any logic in doing so) that i can just carry on with my claim if i so wished and get the court to make their decision?

 

>> question 2. i have studied Tax law this year. payments under compensation are liable to Capital Gains Tax due to a disposal of my right to make a claim for the money.

 

am i right in thinking this? Will this be seen as a compensation payment, seeing as settled out of court, or will it be deemed as a payment of a debt, and thus Capital gains tax exempt? - what about the 8% interest charged on the payments owed - that must be CGT.

 

as it stands, i won't oew any as the value is within my £8,500 allowance, but if anyone can help me out, it'd be good to know, especially if IRC come after me.

 

cheers

 

marcosw7

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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.

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