Jump to content


  • Tweets

  • Posts

    • Name of the Claimant ? Calderdale College   Date of issue – 16/09/21   Date  to acknowledge) = 04/10/21 date to submit defence = 18/10/21    Particulars of Claim   What is the claim for – the reason they have issued the claim?    1.The Claimant claims the sum of £1042.50 in respect of tuition fees, details of which have been delivered to the Defendant.   2.Payment has not been made and the Claimant therefore claims – 1. The sum of £1042.50 being as to the sum due. 2. Costs.   3.The Claimant has complied with the Pre-Action Protocol for Debt Claims dated this 15/09/2021.   4.The Claimant claims interest under section 69 of the County Court Act 1984 at the rate of 8.00% a year from 30/05/2019 to 15/09/2021 on £1042.50 and also interest at the same rate up to the  date of judgment or earlier payment at a daily rate of £0.23.   What is the total value of the claim? £1394.44   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? Tuition Fees   When did you enter into the original agreement before or after April 2007 ? After April 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? At the college – signed paper.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No.   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. STA International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Received letters from STA International chasing debt.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Was withdrawn by course tutor from the course.   What was the date of your last payment? 29 March 2019   Was there a dispute with the original creditor that remains unresolved? Yes   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the house was empty for 5 months presumably no-one was watching TV there. An empty house does not need a TV licence if the TV set is not in use. And you don't have a legal obligation to advise TVL that a house is empty.   So apart from the other points already mentioned about TVL you weren't committing a TV licence offence anyway!
    • It's a standard disclaimer, potential employers are unlikely to draw the conclusion that you have. Don't worry about it.
    • Big fish. Little fish.   I bought a product that was marked wrong, through misleading information from a massive company and wondered how I should the raise the issue with them that might be to both our advantages, ie. both helping them while maybe being rewarded/compensated.   I'm entirely within my rights to do this and there's nothing unethical about it.   You'd think I was trying to commit fraud for pity's sake. Who has never tried to take advantage of a big company making a mistake?    I used to get free credits from Apple for spotting spelling errors on iTunes.   The company made a mistake and I was sold a product under false pretences! Therefore I'm either getting less than what I thought I was paying for, or I can ask for a refund and several hours of my time have been wasted. How on earth you can turn that round on to me and try to make out that I'm the one trying to do a wrong turn is really quite something.. 
    • The thread was moved because you are asking advice about deliberately taking advantage of someone else's mistake to gain some extra benefit.   If somebody tried to do that to you I expect that you would be very happy and you would say that it was unfair. You would be right. As I've already said, this is not the kind of thing we get into.
  • Our picks

Do Banks charge other Banks?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5227 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Quick question - if my direct debit is returned unpaid to my bank/building society for my mortgage, for example, - is my bank/building society charged for this by their bank?

 

Would be interested to know your views.

 

Thank you - Jackie

Abbey: Settled - now for no. 2

Dudley Building Society : claim dismissed - no costs

London Scottish: settled in full :oops:

Capital One - settled in full :p

 

"Energy and persistence conquer all things" Benjamin Franklin

 

Any advice, information and thoughts given by me are just my humble opinion

Link to post
Share on other sites

Guest NATTIE

i am going to bump this up because a cost would be involved but not as high as what is charged at the moment.

Link to post
Share on other sites

Well given that they charge if an internal transfer is returned I'm going to guess at they don't!

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

Link to post
Share on other sites

  • 3 weeks later...

Most of the large banks are members of the UK clearing system (APACS) so they run their own accounts. This issue may apply to the smaller banks and building societies and I would guess that they would be charged something but given the volume of transactions going through this would probably be pennies.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...