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    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • So this is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
    • Yup, it isn't a criminal case, it's hard to prove, but take a detailed look at my thread to see how many holes there are in what they have sent me, there is a picture building.
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bttrev v abbey *** WON ***


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Well here goes

 

Rang the court this morning to find out Where my amended N1 forms had got to and was told they were posted back to me on the 27/3 looks like their lost in the post.Whilst on the phone a asked about the lack of AQ in my case and was told it was because the judge knew where to allocate it.So at this point i looked like i would have to spend tonight producing duplicates.

 

Decided to give James Arrendale at the SHabbey a ring.

Told him it looked like we were going to court without an AQ.And was he interested in settling. He looked over my claim and on my spread sheet i had listed £155 twice (trust them to notice) this also had an impacked on my interest calcs anyway my claim for £7200 inc interest Was know £6915

and we have settled for £6600 Plus £300 costs not quite 100% but in light of the mess i have made of my claim this is a figure i am more than Happy with so looks like

**I HAVE WON**

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Hi

 

from what i can work out it is down to the local judge to decide if he think one is needed. It would seem they are trying to speed things up. you could try ringing the bank charge team at the SHabbey and speaking to james arrandale and see if you can reach a settlement but dont take their first offer ask if you can think about it for an hour and then ring back with a figure just above what you would be happy with. if not take them all the way to court GOOD LUCK .

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Whats Worring Me Is That When I Did My Money Claim Online I Didnt Attach My Schedule Of Charges So Should I Be Sending A Copy To Court Now As Abbey Just Asked Me To Resend Them To Them As They Didnt Get One Although I Had Sent Them Recoreded Delivery Twice To Them.

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You dont have to send the abbey a copy as you have already sent it to them with your letters and they would get another copy with your court bundle if it goes that far.But it would do you no harm in the eyes of the court. I would send another copy special delivery give it a couple of days an then ring see the link in my thread above theres a good letter to send along with your schedule. i used it just cut and paste and fill in the blanks

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

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hi spoke to court today they have sent a allocation questionnaire out to me today i have sent the letter you advised me to send to london so we will just have to see what happens now the courts said they are getting loads of these cases in now and most are settling out of court

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well done bttrev!!!!!!!!!!!!!

We have just told shabby where to put there £355 gogw on £4160 claim before int. It would seem lucky for us that our nearest court is northampton, filling out n1 tommorrow. Have they sent the check yet?

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You dont have to send the abbey a copy as you have already sent it to them with your letters and they would get another copy with your court bundle if it goes that far. Its my understanding you you have to supply the information following issue of the claim via MCOl to both the court and the dfendant.

 

Your previous letters are not part of the claim and the defendant could if they wish simply say you havent partiulcarised your claim well enough for them to deal with it. i dont thik abbey have been doing this but natwest have i think. But it would do you no harm in the eyes of the court. I would send another copy special delivery FWIW Recorded delivery is adequate or if you want to claim back costs its unilkey a court would allow you to reclaim special delviery bearing in mind they work on the basis of 1st class mail plus proof of postage. give it a couple of days an then ring see the link in my thread above theres a good letter to send along with your schedule. i used it just cut and paste and fill in the blanks

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

 

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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