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    • no they can send as many as they like sadly. (civil matter so can't be illegal (criminal) matter)   they often wait several years/months as they have 6yrs from the incident to raise a claim, hoping the mug has moved and they go for a backdoor CCJ, which is why you must always reply to a PAPLOC.     dx  
    • a dca cant send a letter of claim, only their mates at DCB legal can on behalf of PE. something weird going on here is you've never gotten numerous letters prior to the claim.   might be worthy in this instant to send PE an sar.   as for the claim, you've done AOS so now need to send PE this:    
    • On 9th April last year I contacted Littlewoods to get a 3 month payment holiday as I was in the vulnerable category for covid and was having to pay to have things brought to me etc..  My finances had been seriously affected.  While on the call I happened to say that I just needed a few months breathing space...which they latched onto.  Apparently they had a "breathing space" system whereby they held payments for 3 months and then you had to pay all the payments in one go.  That's not what I wanted and they never advised me of all my options simply used this because I used those 2 words.  I got no letters advising on conditions etc and after 3 months they asked for 3 months payments which of course I couldn't pay at that time.  I would add that I had paid over 250 during that time on bnpl items and my account was never in arrears for all the years I had been a customer of them.  They gave me a credit of 3400 but I had only used 1700 including bnpl which interest is front loaded so no relation to the balance that was owed had I paid off the bnpl items during the alloted time...which I had always done and had done during this 3 month period too.  Unfortunately this started a whole nightmare of events for me.  As I say before this my account was not in arrears and they actually put me in arrears by not giving the required payment holiday.  I then suggested that if I took a 3 month payment holiday I would be able to pay those arrears off and that would sort things out.  They refused......because I was in arrears.  Arrears that they had put me in!!!  A long battle of complaints started.  The complaint handler even said she really sympathised with me but if she upheld the complaint she would be held personally responsible.  What does that mean?  I'm now done with them and want to take this to court.   Anyway they have not done anything to help and, remember, I am in the vulnerable category for covid and had to isolate.  This seriously affected my mental health.  I had suffered financial difficulties when I was diagnosed with a life threatening condition in 2012 and had problems during that time.  I have worked very hard to get my credit file into good order and they have trashed it.  They have now sold the debt to Lowells.   The debt includes front loaded interest that was not due to be paid until after they sold the account to Lowells.  I have complained about this and they have told me that I signed up to this in my terms and conditions.  I have no copy of the terms and conditions and they didn't send it.  I am now of the opinion that I need to take this to court as the account was opened around 2016/17 and UTCCRs would have applied....and I believe this would have fallen squarely into this area.   The problem I have now is that I am unaware of what to do to get all the relevant information I need as they ask you to deal only online as so many things have changed.  I have been sending my complaints to Lowell..  They are entering bad markers on my credit report and I want to sue them for that due to them not following the required instructions by FCA at the time they applied this breathing space mess.  This has been a nightmare for me and I would be really grateful for help.  Do I sue Lowells or Shop Direct?  Lowells are trashing my credit report but Littlewoods were doing that previously....or do I sue both of them?  They're both liable as both taking part in this when the figure is wrong.   They are refusing to refund the interest and I have asked for the charges they have charged me to be refunded.  They refused to do this.  THe complaint was dealt with within a week and they have relied on t&cs.  So its not been investigated thoroughly and fairly.   Can somebody give me some pointers as to where to start please?  I am serious about taking this to court.  They are ruining my life and I wont be able to get any credit in the future when I need a new car.  As I'm now disabled this is a tragedy for me as I live in a rural area. This is the only business that I dealt with that has behaved this way.     Thank you in advance.
    • ofcourse you can ring and chase regardless to not being an active customer what address did you send the SAR too?    
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Yode v Natwest credit card WON! but......of course there is a problem!


yode
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Hi

 

Claim: £330

Interest:£120

Court fee: £50

Paid: £500

 

Today I received a cheque from RBS in respect of my claim for an old natwest credit card. Amazingly they have paid up in full with interest and court costs but they have made the cheque out to my middle name and spelt it wrong to boot!

 

Think I will try to cash it anyway! if they say no...suppose I will have to request another!

 

In the meantime I am not stopping mcol till cash is in bank!

 

Thanks to everyone for advice, just the big one to go now!

 

Yode

Yode

 

Yode v Egg - smashed after 4 weeks

Yode v NatWest battle to the end (mcols issued) waiting retaliation

 

 

Sign the petition to the Prime Minister here:

http://petitions.pm.gov.uk/bankcourts/

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Thanks!

 

No form to sign as I have had with other banks - a straight forward cheque and explanation that it is not commercially viable for RBS to go to court. I think as it was for less than £500 they are not bothering to go all the way.

 

I have also noticed other mistakes in their letter:

 

They have given me the wrong gender and they have not realised that I clossed this account 4 years ago! Talk about lack of attention to detail!

 

Yode

Yode

 

Yode v Egg - smashed after 4 weeks

Yode v NatWest battle to the end (mcols issued) waiting retaliation

 

 

Sign the petition to the Prime Minister here:

http://petitions.pm.gov.uk/bankcourts/

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Even though there's a problem, it's a

 

WIN

 

nonetheless

 

CONGRATULATIONS

 

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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jordy

 

what on earth are you doing with that poor cat?

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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