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    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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***Blush*** - thanks

 

I thought that the program was put together really well - Well impressed!

 

Well done to Dave and Bookworm too don't know if you were as nervous as me!

 

Nervous - err....just a bit!!!

 

Mind you, after about 4 hours I was getting a bit knackered. Carrying my two girls up and down the slope to the beach got a bit tiring after about the 7th time!!

 

Well done to all involved - the show was very good in my opinion, it certainly got our point across.

 

I was beside myself last night - I couldn't log on to the site - not because of the problems, but simply because we are now living in temp. accomodation with no phone and only a very grainy picture on the tv when viewing ITV.

 

Overall, I thought we all came across quite well - cringworthy when you see yourself, but overall not too bad.

 

PS. I'm 35 next year, so not all that young!

 

PPS. ....and I second the "wow" post when Lisa came on the screen! ;-)

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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Hi, yes I am

 

Lisa

 

Hi Lisa. Well done. Glad you got your money - hope you enjoy your 15 minutes of fame.:p

 

It just goes to reinforce what we all now know. You really can get your charges back, and it isn't as daunting a process as it first appears.

 

Well done again.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If, as expected, the banks are inundated with claims. They're going to have to make a stand somewhere down the line and the case will probably end up in the high court were a precedent will be made.

Because of the huge amounts of money that the banks would have to pay back and the implications of this on the economy(?), would there be any chance of laws being changed?

 

Sorry just the pessimist as ever...

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Sorry guys, I missed the programme! I think I'm one of the few people in the country that refuses to have a TV as I never really watch it and refuse to pay for a lisence for drivel :)

 

Well done and here's hoping we get to help more peeps!! Any advice gladly given to newbies :p

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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a Hearty well done to all involved,and it was nice to be able to put faces to names!!

 

Very pleased that the forum got such a high profle mention,and also that the guy from "which" was very much a bit-player for a change-the words "chocolate","fireguard" and "as much use as a" spring to mind......:rolleyes:

 

A good idea about the people helping newbies-if anyone needs MBNA or Northern Bank assistance,I would be glad to help out.

 

Just as an aside,any idea of the number of new members since last night?-the number of hits must be phenomenal because it's like walking through porridge trying to navigate the threads!!

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New forum registrations:

 

Last night: 662 before the server couldn't handle any more hits.

This morning: 979.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Sorry, should have said, if the nwebie hand holding thing comes into effect I will quite happily help anybody get the money they deserve back from MBNA !!!!!!!!

 

Has anybody asked Lisa for a date yet ? ;)

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Cringe? CRINGE?

 

You lot do not know anything about cringing!

 

I'm sitting there, pillow over my mouth, wincing and the FIRST thing that comes out is one demented banshee screeching: "It's MY money!!!!!"... And THEN the programme started.... :eek:

 

Dave, I agree, I'd only seen you on the Working Lunch thing, you looked much younger on TMCD (and far more articulate, lol).

 

Lisa, I'm a girl and yet, well, WOW. Makes me feel even more inadequate, lol.

 

The only thing that makes me less embarassed about my performance is that compared to Mr BBA, I looked cool, collected and professional!!!! :D

 

.

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Cringe? CRINGE?

 

You lot do not know anything about cringing!

 

I'm sitting there, pillow over my mouth, wincing and the FIRST thing that comes out is one demented banshee screeching: "It's MY money!!!!!"... And THEN the programme started.... :eek:

 

Dave, I agree, I'd only seen you on the Working Lunch thing, you looked much younger on TMCD (and far more articulate, lol).

 

Lisa, I'm a girl and yet, well, WOW. Makes me feel even more inadequate, lol.

 

The only thing that makes me less embarassed about my performance is that compared to Mr BBA, I looked cool, collected and professional!!!! :D

 

.

 

Don't worry Bookworm...you did very well, can't be easy appearing on something like that even when you know you are in the right!! At least you got your point over and your story across. Keep up the good work here, you all did brilliantly :)

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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So, did anyone notice my pride and joy, MAME machine in the background?

 

;-)

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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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If, as expected, the banks are inundated with claims. They're going to have to make a stand somewhere down the line and the case will probably end up in the high court were a precedent will be made.

Because of the huge amounts of money that the banks would have to pay back and the implications of this on the economy(?), would there be any chance of laws being changed?

 

Sorry just the pessimist as ever...

 

My view is that this would be a suicide bid.

 

Firstly, should a case go this far the claimant would be certain that their action would be funded out of public funds. So, the playing field should be level.

 

At the moment the banks are disrupting claims to such an extent that only a very small percentage of customers actually take action, and only a percentage of them follow through with it to a full refund.

 

Yes, at the moment there will be a large number of people setting out to claim, but it will go in peaks and troughs depending on the publicity, but eventually the initial rush will slow.

 

Should the banks go to the High Court to seek a precedent, they firstly need to be sure they will win. Not reasonably sure...100% guaranteed sure, as the consequences of them losing would be horrendous.

 

At that point, there would be a real influx of claims - probably a hundred times more than now. They could no longer stall, or claim their charges are legal, and they could not use the court process in the way they are now.

 

Indeed my guess would be that the OFT would actually force them to set up an upfront refund scheme.

 

This would cost the banks billions!

Alan, Derby, UK.

 

 

 

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________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

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They could no longer stall, or claim their charges are legal, and they could not abuse the court process in the way they are now.

 

**FIXED**

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Dave, I take it there's no way of "mirroring" forums? I'm not particularly brilliant at web stuff, bit it looks like your colo/hosting is choking on itinerant consumers intent on getting their cash back.

 

It certainly shows what an effect the show had, that now the servers are slowing to pre-broadband load times. Maybe you should write a spoof complaint, explaining that thanks to the show, x many more people are now trying to get their charges refunded, and have caused the site to crash.

 

And now, a couple of quotes from Winston:

 

"We shall go on to the end, we shall fight in court, we shall fight on the seas and oceans, we shall fight with growing confidence and growing strength in the air, we shall defend our accounts, whatever the cost may be, we shall fight on the internet, we shall fight on the telephone, we shall fight in the shopping centres and in the high streets, we shall fight in the small claims procedures; we shall never surrender..."

 

"Here is the answer which I will give to the bank managers: We shall not fail or falter; we shall not weaken or tire... Neither the sudden shock of battle nor the long-drawn trials of vigilance and exertion will wear us down. Give us the tools and we will finish the job."

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Guest Mumofthreeboys

Please somebody..........

 

Does anyone know if it will be repeated - I too have to confess to watching Eastenders and completing forgetting!!!

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Nah! Was too busy looking for water damage :p

 

What is a MAME machine anyway :confused:

 

The filming was pre-water damage!!

 

MAME = Multi Arcade Machine Emulator.

 

(basically plays all my favourite arcade games from the 80's - looks like a *real* arcade machine in the background when I was sitting in my garage).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Empty my PM box??!! - no hope.

 

If I do it'll be full up in about 3 minutes time - not going to happen, many people ignore the FAQ (the bit about PM me or BF with info/questions about their specific cases) and it pretty much makes my PM box useless, so I have given up and leave it full these days.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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For all asking about repeats: I've called ITV and was told it's not planned nor do they have a link where you can downloaded. :(

[sIGPIC][/sIGPIC]

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When/if I get a copy on DVD, I will convert it to avi/mpeg/ra etc... and stream/download from this site (if ITV are agreeable).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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That'd be great if you could, Dave. I missed your dynamic performance, and sweetcyanide (having just got back from Germany this morning) had a go at me for failing to notice it was on and not recording it for her. :evil:

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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I also missed it and would be grateful for a chance to view it. As already mentioined, I too contacted ITV by email and they replied saying they had no plans for repeating it. Maybe if enough attention is given they will schedule a repeat?

 

Neil.

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