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    • Well tbh that’s good news and something she can find out for herself.  She has no intention if peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now- post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!  Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.  Somehow rekeyed as normal when I was called with the results.  A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
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    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
    • I think you have the supremacy of contract as it allows you to park in designated areas. I would argue that there being parking enforcement there clearly means its to be used as parking and as such you can use it under your lease. Only need to worry if they ever follow through with a letter of claim and a claimform though
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Getting First Direct to pay by cheque


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First Direct have made me a second offer which i am happy to accept if they pay it by cheque, but they are saying they will not do that as i have an outstanding balance with them.

 

I do not see the point of claiming back charges only to put it straight back in their pockets, and the outstanding balance includes charges i am claiming back.

 

Has anyone managed to get first direct to pay by cheque? does anyone have any advise on what i should do next?

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I doubt it and if you have an outstanding balance with them then it is an impossibility. just stand your ground.

I put in my letter that i could demonstrate that FD charges created a snowball effect that plunged me heavily into debt.

Of course they denied any liability, thats why i am standing my ground wanting a refund by cheque and the removal of default.

if they don't shift i ll let the judge decide.

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Guest NATTIE

Normally i do not get involved in threads of other banks as my specialisation is NatWest but think of it this way, the bank are paying back charges that they took from you and by paying you by cheque you will still owe them the debt. The choice is between clearing the debt with them NOW or paying them back further on down the line. So get rid of them now, ACCEPT deal with them later SUE

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NATTIE i have to disagree with you.

My fight against first direct is a lot more personal than you think.

I ve been reduced to tears and i was days away from bankruptcy thanks to FD charges... to the tune of £30 overdraft fee £119 excess overdraft fees the recall S/O D/D fees @£37.50 EACH a month.

£225.00 a month on charges alone. In august 2 years ago my son was born and i didn't have te money to feed him...

So NATTIE now thanks to this site i am in control and i will call the shots, i want my money back in a cheque and all FD collection dept. gonna get is £1 a month as i am on JSA.

SORRY for the hijacking of the thread...

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For what it is worth here is my view. The money that FD have taken from you unlawfully is yours. When you get it back you can do whatever you want with it. If you want to pay off your debts then all well and good if you want to 2476 peanut kitkat bars then that is up to you (a bit irrisponsible but still your choice) you will get fat though!!! :-)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Phonesurgeon, good luck and my best wishes, my wife and I are in a very similar situation. My view is that it was my money that was unlawfully taken in charges and fee's, I have no quibble about my debts and I am responsible for them and will pay them off but I want MY money paid back directly to me. If I choose to use it to repay the debt that is up to me, if I choose to spend it on white chunky kit kat bars (my favourite) then that is also up to me. What makes matters worse is that we effectively got pushed into IVA and any money that comes back has to go to the trustee of the IVA but also my debt gets reduced by the amount I am claiming back so my total charges in my insolvency run to about 5k if I get that back my debt is reduced by 5k and the trustee gets 5k to pay off the rest of the debt. If the trustee gets the money, perhaps I should go after them for reciept of stolen goods, namely my money !

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Agrees with speedy.

I am maybe the lucky one that haven t got anything in place and keep a detailed record of our debtors.

FD had too many chances to settle... thanks to a major cock up of mine i was actually acepting 84% of my claim and FD wanted to give the money to metropolitan collection for our debt.

In that way FD wins not once but twice.

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