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    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • 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?  
    • 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  
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Claiming beyond 6 yrs - important new information!!!


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Guest Battleaxe

alibobsy,

 

I am having a second bite of the cherry and like Tanz also copped another charge after the account was supposed to be closed. I am letting the FOS handle this, and they have reported back that A & L wont cough up via FOS, so it is off to court we go.

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Could someone tell me what to do next please: I sent off my full S.A.R ages ago and received (only) 6 years of statements/charges which I am claiming for at the moment. While that claim is going through I've been trying to get First Direct to send me the info for the other years I've been with them (1.5). I've sent them the "breach of Data Protection Act" letter, giving them 7 days and again requesting the info or signed proof of its destruction etc.

 

They have partly responded to this (but mixed in with a settlement letter they have sent me on the other claim) and have said that they are only obliged to hold data for 6 years. They haven't said they haven't got it, but they haven't said they have got it either and they certainly haven't sent it.

 

Can I actually take them to court for not providing the data or at least for not giving me a definitive answer if they've got it or not? Where do I stand taking someone to court for something I'm not sure they've got and that I can't prove either way? Whats next? Do I send them another letter giving them 7 days before court? Do I actually take them to court after the 7 days?

 

OR Can I make a claim for estimated charges based on my 6 year average? Where do I stand with this?

 

Thanks.

I'm not really a Big Fat Greedy Banker so please don't treat me like one. ;)

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Hi Battleaxe, I'm also going back to A & L for another bite of the corporate cherry. Would you be good enough to look over my Prelim letter and make any comments you feel are appropriate please? My thread can be found here:

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/87004-please-read-my-proposed.html

 

Any idea when BF will update the template to allow for 6+ years claims?

 

Cheers ROS

RiPoFfStOpPeR

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BUT HAS ANYONE ACTUALLY ATTEMPTED TO GET MORE THAN 6 YEARS? not finding a lot of info on this and definately not getting anywhere with getting my statements, maybe I should just fire offa fictious figure and see if they defend? BF?:razz:

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi

Have you checked out bongs claim, 13 years worth........ inspiring

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/76820-calling-all-hsbc-claimants.html#post671596

 

and

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/26172-mindzai-lucid-lloyds-tsb.html

 

another pioneer, and one to follow, both have helped inspire me to start 20 year claims ( actually just finished doing spreadsheet, i am totally pink eyed now , hell its 11pm and the bar just opening ) :D

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Sorry second thread is contractual interest not claim over 6 years, but there are others

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Skegg, I'm currently working on 10 years with LTSB and 7 years with Cap1.

Does that count ;)

Admittedly it took some work to get the statements from LTSB, but I had help from, of all places, their own Internet Banking Help people.

Be VERY careful whose advice you listen too

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Good evening all:)

 

Well, I've had no response from Halifax to my LBA in respect of 10 years worth of charges and am just about to embark on piecing together my POC.

 

I'd appreciate a point in the right direction with whether or not to make reference to the Limitations Act? I have read through various threads but most notiably Bong Vs HSBC thread who has mentioned it from the offset and Glenn Vs Abbey thread who has advised not to until it is brought up.

HELP:confused:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Good evening all:)

 

Well, I've had no response from Halifax to my LBA in respect of 10 years worth of charges and am just about to embark on piecing together my POC.

 

I'd appreciate a point in the right direction with whether or not to make reference to the Limitations Act? I have read through various threads but most notiably Bong Vs HSBC thread who has mentioned it from the offset and Glenn Vs Abbey thread who has advised not to until it is brought up.

HELP:confused:

 

I'm fast reaching this point with RBS so I'll "double" muggins' request.

 

Thanks kenny, I'll highlight once more...for the both of us:D

 

We are open to suggestions.......anyone?

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi Im new to this and hope this message go,s to the right place. I have just sent a letter to barclays requesting statments but used Martins money template. I therefor only request 6 years worth of info. Is there any way of now asking for the other 3 years that I've held the account?:???:

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Good evening all:)

 

Well, I've had no response from Halifax to my LBA in respect of 10 years worth of charges and am just about to embark on piecing together my POC.

 

I'd appreciate a point in the right direction with whether or not to make reference to the Limitations Act? I have read through various threads but most notiably Bong Vs HSBC thread who has mentioned it from the offset and Glenn Vs Abbey thread who has advised not to until it is brought up.

HELP:confused:

 

Bump.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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I personally would include it from POC stage. There is no duty to refer to it in POC or at all unless they raise it in their defence, however, I know one user had her POC returned and told to take out the older charges where she did not refer to the Limitation Actin her POC. Also another court struck out a claim on its own motion where the claim was entirely made up of an ERC outside the limitation period. Also its more likely that the defendant will apply to have part of the claim struck out. There is the opportunity to object to strike out, however, this is more likely to end up in a hearing. Including the Limitation Act in your POC will not completely eleminate the risk of strike out but would make it less likely.

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I am trying to get statements from NatWest on an old business account I have a/c number and sort code but they are giving me the has anybody managed to obtain old stsements from NatWest? Any help on how to do this will be greatly appreciated

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I personally would include it from POC stage. There is no duty to refer to it in POC or at all unless they raise it in their defence, however, I know one user had her POC returned and told to take out the older charges where she did not refer to the Limitation Actin her POC. Also another court struck out a claim on its own motion where the claim was entirely made up of an ERC outside the limitation period. Also its more likely that the defendant will apply to have part of the claim struck out. There is the opportunity to object to strike out, however, this is more likely to end up in a hearing. Including the Limitation Act in your POC will not completely eleminate the risk of strike out but would make it less likely.

 

Thank you kindly:)

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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I am about to do my court bundle, of which some of my charges are 6 years plus. Should I include the LA in my bundle, to prempt them?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Yes money!

 

Innocent :D

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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The continued concealment of their penalty charges, and the blind-siding using their 'transparent and open/clear T&C's' are enough to use the section32 voiding of the Limitations Act, and 'vitiate' any full & final offer previously agreed.!

 

Pers

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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