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    • Received initial reply to CCA requests from Lowell in relation to the Cap One £4k and Argos Card.  Both are identical with exception of account information.   Do I now get my partner to stop the payment arrangement? 20201202-CCA Reply CAG.pdf
    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
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Hi AlL

 

been trying to reclaim my charges back from barclays now for a little while now. i sent off the letters as advised and heard nothing so put in a claim through mcol. In this period i had a partial offer from barclays abOUT 50% i think. As i had already paid court fees i at least wanted it sorted thorugh the court to get these back. So on the day before i could pass a judgement against them guess what they defended. I got a letter from the court saying my case was being transfered to my local court in cambridge which from reading on the website this seems to be something that normally needs to be requested later on? i didnt receive an allocation questionnaire but got the standard barclays response. so what do i do now? wait for the court to get back to me? i have seen templates on here that are very detailed do i need to send a letter to the court and attach my spreadsheet of charges to try and speed things up or as i have read on here the courts are fed up with the banks and basically just asking for a breakdown of the charges and not allowing the bank to defend as they never turn up. Any help much appreciated

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Okay, you need to send a copy of your SOC's including interest at 8% plus costs to both the court and B's.

 

A court cant really stop B's defending, they are just getting used to the fact the aint gonna show, so things like AQ's are getting skipped to speed things up.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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yer i read that was the case. thanks for that i will send them of. Do you think i should send of a detailed letter with the schedule like the ones this website basically going into more detail than on the mcol claim? or does this not really matter as the courts know whats going on?

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Barclays wont communicate regarding settling at this stage, they are too busy with cases coming up in the next two weeks.

Between 10 and 14 days is the time to give them a nudge.

 

Now you have to concentrate on your court bundles.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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ooops you havent been reading up have you,

Seriously, anyone reading this who is in a similar position.

 

YOU NEED TO KNOW THE PROCESS IN CASE IT ACTUALLY GOES TO COURT!!!

 

This is why there are numerous templates and F&Q's on here,

 

Please dont get caught out on a technicality.

 

Court bundle is everything you rely on in court to support your claim

 

here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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  • 4 weeks later...

hi all

 

couple of quick questions.

 

1.) I have my court date/ pre trial review date

 

2.) None of the paper work i have had from the court make refernce to the allocation questionnaire or court bundles i hear everyone on about. Do i need to do these? If so any help would be appreciated.

 

I have tried emailing and ringin this Krysta but she hasnt repsonded (very busy i can appreciate)

 

cheers

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Hi all got 3 claims all going on at same time 2 v barclays 1 v hsbc. All 3 now have a court date of 13 july its says on the letter pre trial review. This seems different to what everyone else is getting ie aq's etc any1 got any ideas

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Call their bluff. When that date gets a little nearer, contact Barclays, tell them you have a court date [DO NOT TELL THEM ITS PRE TRIAL], they will assume theyve missed it in the mayhem, they will want to settle.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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ok from what i have read evrone is at cambridge court on the 13th July although some people have already settled. Are there letters on here that i should use to try and speed this process up.

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As your hearing is not until July, I would be very surprised if B's even acknowledged your efforts to negotiate a settlement.

You will just get fobbed off with 'we're too busy handling the imminent cases, call us back'

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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thinking about it these pre trial reviews sound bad news as surely they are just delaying things even longer. I mean i have had this date since march and its only pre trial so surely that means barclays would not be forced to pay up until the case actually came to trial?

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any sort of trial would be a major headache for the banks, so they will not attend, phone or anything to do with the court, they will setlle, even tho its only a pre trial. as it could still be very damaging for them.

 

dont worry ur money is practically in ur hands

 

amandax

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Cheers amanda always good to get some re assurance. i have no fear that i will get the money as with everyone its just the timescale, it seems to have dragged on forever. I have written to the solicitors again with a breakdown to see if it may prompt some action

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  • 2 weeks later...

not sure if anyone else has had this but barclays are now calling the £30 charges commission. how does this affect us claiming these back. i had one the other day that was still shown as charge and this was refunded the same day

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Sneeky-seems that they are trying to disguise their fees under a new umbrella.

 

A the end of the day it is still a fee and as such can be reclaimed as it has been chraged unlawfully.

PPMAN159

 

If this comment has helped please click on the scales.

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Its like Katie Price being called Jordan...She is still Katie Price at the end of the day.

Let then call them what they like, they still cant justify the charge.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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They've called them commission for a very long time, actually.

 

If you bank online, you'll usually see it as commission when they first levy it, then by next day, you'll see it as "paid referral fee" or whatever it is you've done.

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Spot on as usual, Bookie.

Noticed this a few months ago, seems totally pointless, really! As you say, it becomes a normal CHARGE the next day...

 

:confused:

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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