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tonycee v barclays i owe i owe its off to court we go***WON***PRE OFT


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You won by

 

1 The defence was struck out as an abuse :)

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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TonyC,

 

This was the last thread I read last night and I switched off my PC a far happier bunny for it.

 

Great reporting - have you a background in writing. Better than some books I've read recently.

 

Thanks for the lift, Slick

We could do with some help from you

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You won by

 

1 The defence was struck out as an abuse :)

 

Thank you. It appears so obvious but,

 

1. There was no default, everything was prim & proper and above board.

Filed/served/acknowledged/defended/struck out/judgement entered.

 

2. There was a determination from the judge after considering the evidence.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

Forum rules

Cag toolbar

 

 

Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Thanks. I have no probs with enforcement, its a question of when ?.

 

1. Says if its by default they can stop proceedings within 28 days,

 

2. Says, if won by judges determination of the evidence, i can enforce Now..

 

If i write now, they will stop it within the 28 days (21 Aug)

 

Guess i will just wait .

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Everything that you will need for the type of hearing that it is

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

Forum rules

Cag toolbar

 

 

Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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I'm a trespasser from the Abbey who heard about this report so came for a read. It made me checkle several times, thank you.

 

Absolutely brilliant piece of writing .... it should be posted on every bank forum so claimers can see that it is possible to take on the big boys and win ... if you've prepared properly.

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TonyC,

 

I looked at the link from Saintly How to enforce a judgement but couldn't see where you got your points 1 & 2 from. What was your source please.

 

Thanks, Slick

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I looked at the link from Saintly How to enforce a judgement but couldn't see where you got your points 1 & 2 from. What was your source please.

 

Hi Slick.I got them from here.

http://www.consumeractiongroup.co.uk/forum/bailiffs/99563-got-judgment-how-get.html

 

I went to the court Friday just to clarify the situation.. Its.

 

1. Won by default. The evidence was struck out as an abuse.

 

Im still confused about point 2. I thought the DJ HAD made a determination by deciding to strike out after considering the evidence.

Still cant see how its no 1, but hey, who cares.

10 days to B day. (thats bailiff day).

Regards Tc.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Tell the BBC to get their Outside Broadcast teams ready. Can I come too.

 

Slick

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Tell the BBC to get their Outside Broadcast teams ready. Can I come too.Slick

 

With pleasure..

I just know something will drop on the mat on Monday 20th.

Guaranteed to be an application to have the judgements set aside.

Watch this space.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Watching and waiting!!!!!!!!!!!

 

 

Dino is back 16th August (or so I'm told)!

 

FC

Barclaycard: SETTLED AFTER LBA

Barclays 1: AT COURT

Barclays 2: WITH FOS

Capital One: SETTLED AFTER N1

Egg: SETTLED AFTER LBA

HFC: S.A.R - (Subject Access Request)

Lloyds TSB: S.A.R - (Subject Access Request) - WITH Information Commissioners Office

RBS: AT COURT

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/Dino is back 16th August (or so I'm told)!

FC

 

If his plane is landing at heathrow on my shift, i make sure it ends up in New York, or Sydney, or Timbuktu. Any suggestions?

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hello everybody.

Having so far been successful in claiming back over £6.5k from

Sharklys & Nastywest, its time to move on to round 2.

Heres my story.

I have been self employed since May 1990.

On 16 Sept 2003 my application was successful in applying for a £ 17,500

business loan ( Have got agreement with no PPI on it ).

On 19 Sept 2003 Barclays phoned and said they had sent out a new agreement that included PPI.

Nothing, and i mean nothing, was ever explained, and i was asked no questions, just told i had to take the PPI if i wanted the loan.

 

Details of loan.................. Cash Loan ............Insurance Premium Loan

......................................APR 11.2% .............11.0%

Amount of loan................. £ 17,500.00 ............£ 2,951.53

Total Charge for credit .......£ 7,434.83 .............£ 1,230.04

Total amount payable........ £ 24,934.83 ............£ 4,181.57

Monthly repayments.......... £ 296.84.................£ 49.78......= £ 346.62p

Number of payments ................84.................... 84

 

Between October 2003 & March 2006 i repaid.

30 X £ 346.62 = £ 10,938.60.

and paid a settlement figure of £ 18,000 = £ 28,398.60p. March 2006

Today i sent template 1 from here

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html and all the additional paragraphs. Asking for my money back.

Do you think i have a case.

Thanx for reading.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Still waiting !!!!!!!!

 

7 days to go to the 21st!!!

 

Are you going first or am I ?????????

 

FC

Barclaycard: SETTLED AFTER LBA

Barclays 1: AT COURT

Barclays 2: WITH FOS

Capital One: SETTLED AFTER N1

Egg: SETTLED AFTER LBA

HFC: S.A.R - (Subject Access Request)

Lloyds TSB: S.A.R - (Subject Access Request) - WITH Information Commissioners Office

RBS: AT COURT

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Hello everybody.

Having so far been successful in claiming back over £6.5k from

Sharklys & Nastywest, its time to move on to round 2.

Heres my story.

I have been self employed since May 1990.

On 16 Sept 2003 my application was successful in applying for a £ 17,500

business loan ( Have got agreement with no PPI on it ).

On 19 Sept 2003 Barclays phoned and said they had sent out a new agreement that included PPI.

Nothing, and i mean nothing, was ever explained, and i was asked no questions, just told i had to take the PPI if i wanted the loan.

 

Details of loan.................. Cash Loan ............Insurance Premium Loan

......................................APR 11.2% .............11.0%

Amount of loan................. £ 17,500.00 ............£ 2,951.53

Total Charge for credit .......£ 7,434.83 .............£ 1,230.04

Total amount payable........ £ 24,934.83 ............£ 4,181.57

Monthly repayments.......... £ 296.84.................£ 49.78......= £ 346.62p

Number of payments ................84.................... 84

 

Between October 2003 & March 2006 i repaid.

30 X £ 346.62 = £ 10,938.60.

and paid a settlement figure of £ 18,000 = £ 28,398.60p. March 2006

Today i sent template 1 from here

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html and all the additional paragraphs. Asking for my money back.

Do you thik i have a case.

Thanx for reading.

 

Hello and welcome,

 

Yes I do think you have a good case, but they won't, so don't get to disheartened at their response.

 

Just keep plugging at them, just to let them know that you are going nowhere till you get your money back.:D

 

Good luck and keep us posted

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Yes I do think you have a good case, but they won't, so don't get to disheartened at their response.

Just keep plugging at them, just to let them know that you are going nowhere till you get your money back

 

Thank you for your reply.

I shall indeed keep plugging away untill i get my money back.

If you get a spare 5 mins, could you tell me what to expect, and am i likely to have to prove my claim in court.

Thanks again.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thank you for your reply.

I shall indeed keep plugging away untill i get my money back.

If you get a spare 5 mins, could you tell me what to expect, and am i likely to have to prove my claim in court.

Thanks again.

 

Hello Tony,

 

In my experience, different banks respond differently, some will refund you quicker than others, Some with drag it all the way to court, so you do have to be prepared for this. You must keep all letters of correspondence for your file. Any letters you send, send by recorded delivery and keep the stubs for your file. Do not enter into any verbal conversations with them.

 

I find it is the creditcard companies that tend be drag it all the way to court.

 

Expect that they will deny everything and put the blame on you. you signed you agreed. They do have to:eek: to keep you money.

 

Speak soon works calling

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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.................Shallow Victory...............

 

Got a cheque from Bs for £2,378.44p.(claim 2) yesterday, and expect claim 1 to be settled soon..

 

I want to say that its such a shallow victory as my heart goes out to all those that are " so close " and then BANG..

 

I would send it back if they would lift the stays..

 

I want to say a special thank you to Dame Saintly 1 & Sir dar£n whose help, support and advice, has allways been much appreciated.

 

Thank you also to all of the CAG staff, again, whom without, i would be £6.5k worse off. Thank You. Donation on way.

 

Thank you also to Slick & FC who helped to keep me going.

 

A general thank you to everybody else that helped me along the way.

 

I have several other claims on the go at the moment, so you are not going to get rid of me that easily, at least not yet anyway.

 

In the meantime.....

 

Please keep going, DONT give up, and, DONT lose heart..

 

Good Luck

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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