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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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RBS Credit Cards given final response with regards to charges - Need a little help


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I have 3 credit cards that are issued by the Royal Bank of Scotland. RBS Card, Tesco Card and Natwest Card. I have CCA's all of these all of which have been ignored. I have also put in a claim for their charges mostly £25.00. They saying that the £12.00 charges (these have only just been reduced) are in line with OFT guidelines and they are not going to refund them. I have read some cases where they have paid out thousands on receiving one letter, with me we are talking about £300 per card. Hardly mega bucks...to them anyway. They are being really stubborn

 

I had the understanding that OFT said they wont prosecute a creditor if the charges are £12.00 or less unless there are exceptional circumstances, but they have also said that a £12.00 charge is still unfair and the creditor has to prove otherwise.

 

RBS have said in a really blunt letter, i kept writing saying they were wrong in what they said about OFT saying the charges are fair:-

 

'I note your comments, however i would like to reiterate that my letter dated **** is the banks final response and therefore we are unable to enter into any further correspondance regarding this matter'

 

I was hoping i was not going to have to go to court to get these charges back but that response says it all, this is the same for the RBS Card and the Tesco one, they have not responded to the Natwest one yet.

 

This will be the first court claim, where do i start?

 

I have not SAR them because i have all my statements from the beginning of time.

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I have 3 credit cards that are issued by the Royal Bank of Scotland. RBS Card, Tesco Card and NatWest Card. I have CCA's all of these all of which have been ignored. I have also put in a claim for their charges mostly £25.00. They saying that the £12.00 charges (these have only just been reduced) are in line with OFT guidelines and they are not going to refund them. I have read some cases where they have paid out thousands on receiving one letter, with me we are talking about £300 per card. Hardly mega bucks...to them anyway. They are being really stubborn

 

I had the understanding that OFT said they wont prosecute a creditor if the charges are £12.00 or less unless there are exceptional circumstances, but they have also said that a £12.00 charge is still unfair and the creditor has to prove otherwise.

 

RBS have said in a really blunt letter, i kept writing saying they were wrong in what they said about OFT saying the charges are fair:-

 

'I note your comments, however i would like to reiterate that my letter dated **** is the banks final response and therefore we are unable to enter into any further correspondance regarding this matter'

 

I was hoping i was not going to have to go to court to get these charges back but that response says it all, this is the same for the RBS Card and the Tesco one, they have not responded to the Natwest one yet.

 

This will be the first court claim, where do i start?

 

I have not S.A.R - (Subject Access Request) them because i have all my statements from the beginning of time.

 

Hi, if you have sent the Prelim and the LBA then you need to file your claim at court. I have reclaimed my charges from RBC credit card. Read through the FAQs and the step by step instructions (linked in my signature) these will guide you through the process, all the templates are in the Library.

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I have got everything downloaded, thing is i know what i should be doing. Im stalling....was hoping there was one more thing i could try before court. The idea of court frightens the hell out of me. I stood as a witness in a crown court trial once, i know its not the same but mention court and my legs just go to jelly!

 

Slap myself and get a grip!!!!!

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