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    • do you have the PO receipts? they have the postcode on.  
    • Hi DX,   didnt realise defaults cannot hurt renting... I just assumed it did also in fairness. 
    • Which Court have you received the claim from ? Civil national business centre, Northampton       If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)     Name of the Claimant ? PRA group uk portfolios ltd   How many defendant's  joint or self ? self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14 june 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has.. The claimant claims the sum of £6823 for an outstanding debt owed. On 29/8/2013 the defendant entered into an agreement with Barclays Bank UK for a credt card under ref *********. On 22/3/21 the defendant defaulted the agreement with an outstanding balance of £7074. On 26/7.22 the debt of £6937 was assigned to PRA Group lts who itself assigned the debt to PRA group UK portfolios ltd on 30/12/23. Notices of assignement were sent to the defendant in accordance with S136 Law and Propert act 1925. The claimant has instructed PRA group UK ltd to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. Payments of £103 were recieved up to 5/12/23 and adjustments have been applied in the sum of £10, and the claimant claims 1. The sum of £6823.88   What is the total value of the claim? £7378.88   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? no   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? after   Do you recall how you entered into the agreement...On line /In branch/By post ? don't recall, likely online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned to purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? don't recall   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? yes   Why did you cease payments? account was marked unenforcable by PRA due to lack of cca   What was the date of your last payment? december 23   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes  
    • Also, what was the cost of the job which you carried out and what was the likely value of the repairs required by the snagging list
    • Thanks for your reply. After you didn't respond to the the paploc, what was their next step? Did they resend the paploc? I feel it's like others have suggested, it's a 'fish' to get someone to respond. Ref the email, I don't think I've ever had one, even when J and P took over with the first round of comms, then I received two within in a few days (both with same info) and a few days later, the J and P paploc. Any guesses what they're thinking changing between J and P to IDR and vice versa?
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Paintball vs NatWest**WON POST OFT**


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I originally sent SAR on 19 March to NatWest relating to a closed NatWest credit card account stating that I no longer had my a/c number but providing lots of info.

 

To date no response so contacted my bank, Cooperative, who kindly spent a lot of time tracing the a/c number through payments going out of my account to NatWest!!!

 

Reminder SAR sent today by recorded post reminding them of 40 day expiry date.

 

Just waiting now ...:rolleyes:

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Wow, that was a nifty idea......... well done for your ingenuity........... Just sit back and wait now. And do come back as soon as you get some paperwork through. If you need any help. Just feel free to shout........ were all here to help. All the best............ Fendyweather xx

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Hi Fendy

 

I have a feeling that I'm going to be spending a bit of time on the NatWest sub-forum; I'll be claiming back ALL my charges from my old NatWest credit card and that goes back beyond 6 years.

 

I also want access to data from a NatWest a/c I had for a short period of time in about 2000 so will probably need to use some nifty footwork again to get that a/c number ...

 

:rolleyes:

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Morning Nattie!

 

Thanks for posting this message. I have read your sticky and appreciate your taking the time to make this info available. You do state though that it is for people whose accounts were open in October 2002, so was unsure whether I would get anywhere as my account was opened pre 2002 and also closed by October 2002.

 

So, if I call in to the NatWest branch in question and give the info you suggest, will they be able to access my account number from the Archive or should I get the sort code for that branch and telephone NatWest?

 

Cheers P:)

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Bump for Nattie :-)

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Guest NATTIE

The stickie on accounts closed stated October 2002 and prior to that, ie before that date. UNLESS i wrote the thread with a minor error, i will check whether i did.

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You wrote post October 2002 but I guessed that this was a blip and that you meant pre! I've got my sort code and branch address and will either contact Alex at NatWest DPA or call in to my old branch ...

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Guest NATTIE

I re read that bit and may well report my own thread to get it sorted, but there is a minor error which states if it was open in October 2002 rather than what i think is maybe in or prior to October 2002. Thanks for that i will get it rectified.

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To access my old a/c number: Called NatWest DPA office and obtained start and end dates for a/c. Took this into old branch today where Manager was very helpful in giving me my old a/c number and tried his utmost to access my statements dating back 10 years! He contatced a senior colleague who told him just 6 years ...;) He did try though.

SAR on the way. THANKS NATTIE

 

NatWest card a/c: received some sheets of paper in post (including a table of payments and 1 charge only!) with letter signed Mr. C Gajewski, Regulatory Risk, Southend. Sheets gave me very little info so 'phoned up and asked for Statements. Girl seemed helpful and explained they have a huge backlog. Will send letter too.

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  • 3 weeks later...
good work at least you have account number and sort code.

 

 

Ah Nattiekins, how I miss you :(

Sent LBA for non-compliance of request for statements yesterday by recorded delivery. NatWest have made a small effort to get information to me, but was not sufficient to make a claim. Still waiting :???:

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Ah paintball. On this forum, the WAITING just goes with the territory Im afraid. Thats honestly the worst bit about Nutwest. They just seem to take utterly forever, on everything....................... theres no reason to it, some peeps are lucky and get info quick, other not. Theres no set pattern, but they will string it out to the very end, i.e. court date, they always do.......... Lol. But this forum teaches one thing above all else. PATIENCE, and theres some ace nut jobs on here to keep your spirits up throughout. Nice to have you onboard Paintball after all your kind help with my Capital One spready. What a darling, thank you again, so much. Fendy xxxxx

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  • 1 month later...

Received statements from old NatWest card on 24 May 2007. Took 64 days to receive the information.

 

Shortly afterwards, letter from Customer Services offering me £3.18 ... :eek:

 

My claim is small but I have sent off prelim request for payment (respectfully declining their measly offer) and schedule of charges with CCI. It's a tad more than £3.18 though ;)

 

Luv to all still here ... Painty xoxoxox

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Hi Paintball, lovely to see you back - hope you enjoyed your hols.

 

Wow - they've offered a whole £3.18 eh? Their generosity has nearly knocked me off my seat!

 

Keep up the good work hun............ they might just round their offer up to £4 soon!!! ;) xxx

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LBA sent today requesting return of all charges and interest on this old card account. I had also requested removal of default notice which NatWest in their reply to my prelim have not referred to. I am requesting removal of this default together with all adverse markers on my credit file and will not be put off!!!

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Go for it hun............ all guns blazing!

 

Best of luck xx ;)

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Thanks Hedgey. I'm sick and tired of prejudicial info on my credit file and until I found CAG, I wouldn't have known where to begin in getting stuff removed. There's quite a bit on there as a result of unfair and unlawful charges and the more people who fight this in my view, the better for all consumers.

 

:D Painty xxx

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I'm with you all the way - couple of defaults of my own from credit cards due purely to ridiculous scavenging charges as well. Looks like hard work to get the default removal................ but you can't keep a good woman down! xx ;)

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sorry to jump into this one so late, but £3.18???????!!!!!!?!?!?

 

I did larf at that one...... what did they expect you say, really?? do think the guy/gal who typed that letter was on a dare/bet????

 

ha ha.

 

You know with the whole Default notice thing?? I paid and satisfied all of mine in december last year, but for some reason I still cant even open a bank account!!!! Not stealing your thread, but this one has got me annoyed....

If this post has helped you, please hit the scales under my name. Thanks!!!!

 

"I would dig a thousend holes, to lay next to you. I would dig a thousend more, if I needed to"

 

www.incognito-photography.com

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sorry to jump into this one so late, but £3.18???????!!!!!!?!?!?

 

I did larf at that one...... what did they expect you say, really?? do think the guy/gal who typed that letter was on a dare/bet????

 

ha ha.

 

You know with the whole Default notice thing?? I paid and satisfied all of mine in december last year, but for some reason I still cant even open a bank account!!!! Not stealing your thread, but this one has got me annoyed....

 

Hey Hedgey and Bobba

After reading around the default subject in the Legalities section and also looking at the website checkmyfile, I've really come to understand how much default notices and adverse markers can affect your credit rating. That's not to say that I was ignorant beforehand, but I now feel a degree of helplessness in this area as the volume of work required in getting these and any other prejudicial info removed is huge

 

I had to laugh because when I did the credit score quiz on checkmyfile, I came out quite well or average compared to others. I then did another quiz to see what would further affect my score, moving house, retiring, etc, and discovered that what I really need to do to boost it no end is to GET MARRIED!!!!

 

I thought reclaiming my charges and interest was going to be tough but defaults? this is going to take some time, sweat and tears, I feel ...:o

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No better gal to handle it though paintie............... I imagine they may just meet their match now! And soz hun............ can't help you with the marriage thing............... I can't afford to divorce ma' hubby!!! xx :D

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