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    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
    • Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   
    • Is your current mental health causing you to apply negative thinking? If the answer is yes, then you should get some advice. The following website link enables free mental health support. https://atw.maximusuk.co.uk/?utm_campaign=EMP-ATW-B2C-B2B-leadgen &utm_medium=PPC Google Text&utm_source=Paid Seach&utm_term=maximus mental health&
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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hi im new :)


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Might be worth phoning to check, they are taking ages.

 

There are still plenty of people winning, if you look around the other threads.

 

Ours has been a bit slow, i think we are waiting for you lot!!:p

HOW TO...DUMMIES GUIDE TO CAG...Read here

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F&Q's... Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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hi all :(

hope You are all ok ,, well heres an update ,,, my claim been stayed will write down what court wrote ,, in next sign on , got letter yesterday so ,, im thinking about trying to get it lifted , but from what im reading dont think it will do much good ,, think maybe is a thing been put on til after Jan when case is heard , will try to come here more often , not been to good lately , hope you all keep going ,

 

all the best of luck to all of you still claiming ,, regards xoxoxoxo

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hi tilly

im good been ill for few weeks but getting there lol , yea well i kinda thought it would be stayed lol ,, just keep plodding on and hope the OFT come through for us in Jan :)

hows You been ? im just heading off to bed , as real tired so take care and will tlk soon i hope :) xoxoxo

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Hi DeadlyKiss,

 

This is the latest I could Google-up from the BBC website:

 

Friday 19 October

 

The UK's banks have formally defended themselves against accusations that they levy unfair charges on customers who go overdrawn without permission.

 

Seven banks and the Nationwide building society have filed their defences with the High Court for a test case to be heard next January.

 

30/07/2007 Data request sent, including £10 cheque (Special Delivery)

03/08/2007 Receipt confirmed by telephone (spoke with A.G.) and on Royal Mail Track & Trace. Cheque processed (on statement)

28/09/2007 (40 working days) Called branch I was advised that A.G.does not work at branch and letter wasn’t received (So how did they process cheque?!! )

02/10/2007 Sent reminder letter giving them another week (reported them to Information Commissioner too)

13/10/2007 Received letter dated 09/10/2007: statements on their way (09/10 + 14 days = 23/10/2007)

17/10/2007 Received e-mail from The Information Commissioner’s Office (complaint received and written to Halifax)

19/10/2007 Received statements (no copy contract)

22/10/2007 Sent LBA re Data Protection Act (Copy Contract missing) and Prelim (Special Delivery)

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ok thanx :)

hi peeps .

well i have decided to let sleeping dogs lie and wait til after the OFT case in Jan , im not being defeatest but i cant really afford court costs and with not feeling to well over last month or so ,, i feel it best to wait , ty all for the support and i will continue to come here and be here for friends ,, although my experience is small lol

take care all and all the best hugs xoxoxo

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HI DK,

 

Sorry to hear your not to well at the moment. Hope your better soon.

 

Bad news about the stay isnt it. You know I thought everyone would think I was being negative too if I decided to wait but this lot are such a sound bunch they would never think that, dont worry.

Ive got an Application to set aside Judgement hearing on mine , on 19th Dec. God I paniced, LOL. Now Im just determined to do my best.

If we have to wait it out , then, so be it. We've waited this long .

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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thanx overflow and tilly :)

well hope it goes ok for you overflow ,, and lets just hope it all turns out ok in Jan . im feeling much better thanx and ty for bling also lol ,, hope you are both ok , been in couple of times but seems real quiet think most of the courts are staying claims now as they approaching Jan , was bit peeved as the court said it was not staying claims put in b4 Aug which would of meant mines went through , but hey ,i,ll bide my time , got laid off from my job also which was not good :( so looking for another seems all they want is xmas staff , i want something a bit more permanent than that lol , so will keep looking

take care huggles xoxox

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Hi DK,

Hope you feeling better now. Pain in bum having to carry on waiting even longer now. good luck with job huntin` I am now semi retired until june next year.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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yeyyy lol Stone ,,

yep is a pain but hopefully it will be worth it ,and thanx for wishing me luck ,, so whats it like to be semi reired he hee hee im sure Mrs. Stone will find you plenty to keep you busy lol , just enjoy the rest while you can :) take care hugs

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Prob open an ebay shop, got loadsa cr*p around the house to get rid of and I can`t be **sed to take it to a car boot others-291.gif

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Hi DK

 

Hope your on the mend now. Sorry to hear you got laid off from your work.

I know just what you mean when you say all they want are xmas staff.

Ive been trying for the last 3-4 months to try and get work, any work. Seems like all the vacancies that I applyfor are going to the younger generation, ( well younger than me anyway):(

Ive not worked for nearly6 months now and dont mind admitting its getting to be quite a struggle now especially with xmas just round the corner.

Hope you have better luck than me, your probably a lot younger so youll be ok, Im sure.

Wishing you luck.:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi DK.

 

Just popped in to say your presence is missed.:(

 

Hope everything is ok with you.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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  • 1 month later...

hi overflow ,, yea all ok here ,, hope you had a great xmas and new year :) hasbeen quiet here so i not been coming in much ,, hopefully this test case will get the banks paying out soon , think a lot of us have waited long enough lol,, then again whats a few more months ,, or in the least the OFT should lift the waiver if the banks appeal ,, but no doubt they wont :( ahh well we wait and see ,, ty all for the blings ,, take care tlk soon ,, huggles and kisses xoxoxoxo

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  • 3 weeks later...

hi all :)

was wondering if you can help me ,, my son had an account at halifax which he never used as was not working , he done a few hours the other week for an agency and asked for his wages to get paid into his bank (halifax) when pay day came he went on his lonline banking to check how much ,, and wow they closed his account :eek: he phoned them today and they cant tell him nothing ,, this seems weird as nothing came in post about closing the account ,, so now we dont know where his wages are or what!!! im thinking of taking him to his branch tomoz to see if they can explain , surely this is sooo wrong ?

 

many thanx xoxoxo

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Hi DK Thanks for the kind word on my thread.

first thing is the bank is not allowed to close your account ( or your son`s ) without telling you.

next step, if you get no joy from the branch, don`t bother going to head office. Just make a compliant to the Ombudsman service they will take it up , and you never know you may get some compensation usualy about £200 to £250. I am not to knowledgeable in this area and would advise you to get in touch with Lula, I seem to remember that she is well up to date in this area.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Share on other sites

  • 2 months later...

hello all :)

hope everything good with You ,, phoned my local court yesterday see whats happening ,, still the same everything on hold but she did advise me when the big judgemade decision that i will have to apply for my stay to be lefted as she said courts will not automatically open the cases :confused: was like ohhhh , so guess will keep watching tv ect til something happens .

 

tlk soon hugs xoxoxo

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Hi Deadly,

Nice to hear from you , hope your feeling much better now.

 

I, like yourself , keep popping in every so often in the hope that I might discover on someones thread that they have won their case, and that this whole test case has been sorted. HA.

 

We live in hope eh!

Keep well , maybe we'll bump into each other going through the posts sometime.

huggles from me and regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Share on other sites

Nice to see some old faces around this forum again. :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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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