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    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
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stonedecroze v halifax 2


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Good idea Stone, I will look out for it. :D

 

Hows you anyway, I passed your place again the other day. But you were slacking!!!!! (Day off...:p )

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Good idea Stone, I will look out for it. :D

 

Hows you anyway, I passed your place again the other day. But you were slacking!!!!! (Day off...:p )

 

 

Hope all well, Kenny:-)

 

Hi SSL & Kenny All is well with me and mine, how are you? btw It must have been on one of my days off as I NEVER slack, how very dare you !!!

 

 

Think I will time so that N1 will be submitted on 23/24 may. should know what is going on then and they just might settle, LOL.

 

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

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btw It must have been on one of my days off as I NEVER slack, how very dare you !!!
:D:p

 

It would be nice if they just settled it. You could do with a nice easy one for a change. ;)

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STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Couldn`t we all !! :D:D:eek:

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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:mad:Just had an Email from Penaltycharges.com and they seem to be taking a very pessismistic view of the oft judgement:-x

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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hi Stone :)

 

lol you at it again , go get em :p hope you and marion are both well . Let them be pessimistic , think enough people on here to keep the optimism going :) will keep watching to see how it goes

 

take care and stuff ,, huggles xoxoxo

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  • 3 weeks later...

hi Stone :)

thought id pop by see whats been happening here ,, tis very quiet lol

think all must be waiting for tomoz, Hope You and yours are all well , we are good here , same ol same ol lol been trying to catch you on msn seems we miss each other ,, ahh well thats life

take care and hugs to you both xoxoxo:D

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Dramatic About Turn As Barclays Cuts Overdraft Charges |Sky News|Business

 

 

 

 

Are they trying to tell us that they are now computerised? :eek::eek:

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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  • 1 year later...

Hi All,

In view of recent kick in teef by appeal court I phoned local court to see what score is. case is still stayed as court can take no independant action and either I or Bank have to ask for stay to be lifted, ( this after court stayed case on its own).

I am now at a loss as to how to proceed. from what I gather original grounds have been ruled out by appeal court but it seems that they left an opening under a different section of UTCCRs, Thus I believe that I can apply to court to alter original N1 conditions.

any views or comments on this course of action?

 

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Welcome back stoned

 

Yes, that's about the size of it. In fact most of our recent N1s referred to the right section anyway - your POC should refer to regulation 5, if not, you need to change it so it does

 

 

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My POC reads " the claimant contends that:

a) the charges debited to the Account are punative in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the defendant in respect any breaches of contract on the part of the claimant; are not intended or related to any alleged actual loss, but instead duly enrich the Defendant which exercises the contractual term of such damages with a view to profit.

 

b)the contractual provision that permits the defendant to levy such charges is unenforceable by virtue of the Unfair Term in Consumer Contracts Regulations (1999) and the common law. "

 

So will I need to change this or amend it in anyway?

Thanks

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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You may be all right as you havent specified which regulation. If asked (eg in a witness statement, letter from bank, application to strike out, etc) you just say "not regulation 6 but regulation 5"

 

 

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Thanks Steven

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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