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    • Yes good points from Gick, no papers were actually served on you personally so Gick's amendment makes more sense. thereby preventing any misinterpretation as in you no longer lived there so the papers were not received by yourself, leading to a Default judgment.
    • Hi Yorky and BT   Thanks for the reassuring advice.   I’m in Scotland Yorky, so factor is just the management company but I think it’s one of the priority bills you mentioned but not entirely sure.   I take on board though that I should stop using the cards so maybe paying them off to use isn’t the best plan.    Also, I think I’ve offered more than I should have trying to keep the OCs  happy rather than what is affordable. Probably made a few errors of judgment and got a bit confused too.   My wife doesn’t have an income.   Offering £1 rather than maintaining them sounds a good way forward.   Starling and Monzo have put an arrangement in place but I can still use the account, they said they wouldn’t ever take more from the overdraft than the agreed amount.    So I’m a bit confused that I’ve offered pro rata but not getting defaulted and instead getting arrangements to pay and keeping the accounts open.    I thought doing a CCA on a new debt (from 2021) with a DCA would be easy for them to get the agreement, that is interesting if you know any more, this is another reason why I was trying to do it the way I was but I feel like I’m drowning rather than getting anywhere but feels so close at the same time to making it through.   Do you mean paying full and final on a credit card for £100 for example, pay it in full or offer a percentage. Just a bit unsure on that, I’ll have more of a good read on the forum.    It’s good to see other perspectives on it, I think I’ve got really stuck and just have stopped going anywhere focussed and need to get back on track.   I think the usual moral dilemma is playing a part too especially as some of the original creditors have been quite understanding. Others haven’t as much.   Thanks again  
    • Hi  Yes , I have been searching for answers over the years and coming to a dead end . To answer your question six months after I had the loan they took me to court for  arrears as I explained to the brokers at the time that I was not working and they told me that I would get money from the loan to cover payment  for a while  which I never received . so I was  stuck and got the suspended order .    I did appoint the  mortgage  company and you are right I did get scammed . I did not take Swift to court , they took me again this time they supplied the paper work and I saw the  cheque they said they gave me , hence I refuted this and the court requested they send me a copy of the cashed  cheque  which they did not  to date .   The date was 2017 . Then I became very ill and had other  matters to deal with . I then got some money and paid the arrears to them .   In respect of the interest the balance to date they stated was 68,000.   I can only ask the question if the money they stated  they gave  to me does not add up how can you  put interest on monies not  given to a customer .   In respect of uploading the paperwork I am slightly worried as you can understand I really do not know  whom I am really talking to , hence the caution.   Sorry if I took up your time I was just checking  but I am grateful for your response to date .    
    • It is an excellent document but to be nit-picking, you might like to change  November 25th 2021 - I was served court papers at an address I was no longer living at to simply        court papers were served at an address etc as they were not actually served on you Also in point 6  you have missed out 'when' in the second sentence. Not only was I no longer at the address              the claim forms were issued,
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unobeano vs Halifax - ***WON***


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Hi

 

I never had a thread here for my Halifax claim which I started in Feb 07, but I thought I'd post the following.

 

After 3 letters and 2 telephone calls to the Halifax, they flatly refused to pay me anything. I was claiming £1,800

 

So on Friday 22nd June I filed my N1 at the county courts.

 

Yesterday the 27th June i received a letter with an offer of £900.

 

I telephoned them today 28th June and said that I have given them plenty of opportunities to make an offer, but they didn't and as I have started court proceedings I decline their offer and will carry on to court.

 

She then said .... Ok to save you the time and hassle of going to court I will agree to repay your charges in FULL.

 

YES!

 

Just thyought I write this to offer encouragement to those about to throw in the towel. DON'T - Carry on, stick to your guns. They will Pay

 

Onto Barclaycard now....

Work In Progress

Halifax - 31/01/07 - DPA letter sent

Land of Leather - 30/01/07 - The Sale of Goods Act 1979 letter sent

Open & Direct 30/01/07 - The Consumer Credit Act 1974 - letter sent

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CONGRATULATIONS...!!!!

 

Well done, that is fantastic. :D :D

 

Dont forget to do the survey

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And maybe a donation?????;)

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Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Good luck with barclaycard and congratulations!!!!!!!!!!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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Good luck with barclaycard and congratulations!!!!!!!!!!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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