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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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BigCol45 v RBoS hes done it and ***WON ***


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Oh MY GOD!!!!!!

Well done just does not cover it.

 

I must add (whispering) I did tear up when I discovered you have won....shhhhh if you get yours...mine is just soo damned close....spend it wisely????....Nahhhh

 

Congrats mate and thanks so much...well you know....for being you!!

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Its ok for you.......you can go to bed now.

Some of us are still here.

I am just moving the last of the stuff from the caff..........borrowed the mates transit.......its not the end tho......Col told me that he has had a few enquiries

he dont wanna see this place turned into a kebab house or pizza parlour/

e is looking at maybe subletting to a Cag collective.......we shall have a whip round in the RBS forum......to keep the caff where it belongs.......:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi all,

 

Glad to see you are all keeping up the good fight.

 

I am at the stage where i have a court date of 30th November, my claim is for 1980.00 in cahrges and 100 + 120 court fees, Cobbetts made me an offer of 1100.00 on 6/10/2006 which i declined verbally over the phone, i have not heard anything since then.

My bank are continuing to apply charges to my accounts and this is now snowballing, i have today phoned the bank and requested that they refund the charges back to my account(the ones that i have incured since i started my claim and are not included in my original claim) less the 12 quid that has been deemed as a fair charge i.e:

38.00 charge, less 12.00 = requested 26.00 refund on each occasion, the woman i spoke to at the bank was very rude and refused to even look into it, this has now rattled my cage again and i am on the war path.

 

Q What is the best way to go about claiming these more recent charges back, i think i have seen somewhere on this site that you can add these charges to the original claim, or is it better to start the whole process again for these latest charges?

 

Peanut.

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You cannot add them to the original claim since that would make both your claim partics and spreadsheet wrong from the original filed claim.

You could do this as an ammendment but it will cost you 65.00 which is not recoverable.you would also have to wait for the Judge to consider whether to allow it.

There are 2 other options then.

You can either ask Cobbetts to consider adding these to the final settlement which they would need instructions off the bank first.....or you can do another claim after this one is finished.

I understand that once an offer is made and turned down that Cobbetts have to wait for the bank to give their instructions before making further moves.

Its not as some think,an automatic decision to give the refund a couple of weeks after a refusal.There are other issues too some of which unfortunately I cannot fully explain on here for obvious reasons.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello All I Have Been Going Through All My Statements From 00-06 And Have Come Across The Usual Charges For Cheques And Dd`s But For Some Reason I Have Noticed Other Charges Which Are Referral Charges Ranging From £10-£90 Does Anyone Know Of These And Can I Claim Them Back,need Help Too Busy With Work Never Seem To Have The Time Thank You To All Who Can Help

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Is this a standard or royalties Gold account ?

You can claim everything except the monthly subscription fee if it is a gold.

Are these charges showing at the end of the month ?

it is likely that the 90.00 is for 3x30.00 charges.

Referral charges are claimable.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Firstly its not my brief to suggest that and I really do not see the point but more importantly you will not need to do it.

There will be long periods beteen the stages of the claim whereby you will not need to do anything.

The waiting is probably 90%.

This does not lessen though the understanding of the process which has to be the full 100%.

Although this a self help site the teamwork here and the ability to get help from the members is something I have never seen anywhere else....and dont think I will.

Our nimbers are fast approachimg 100k and we have seen many people here from all walks of life go on to win back their money.

At the end of the day this is your money and better in your pocket than anyone elses !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 months later...

Even after so long........its great to read this thread again......anyone who has doubts and concerns.........who gets to a point where they feel like giving up..........where uncertainties can creep in........and when Cobbetts start to pile on the pressure.....reading Big Cols story is a breath of fresh air and gives a jolt and an incentive to push on.

A truy temarkable thread and one which inspired so many others.

So sad that it came to a conclusion......but yet good that Col was able to finally able to put his time to other uses.......Drove past the cafe last week and the shutters are still down........but the memories of all that was discussed and planned over the tea and bacon butties will live for a long time.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm with you on that! I read through the post again on Boxing day!!! sad I know, but I had a reply and AQ to do, read this again for inspiration, and a good reason for a bacon butty!!!:)

:)RBS - Settled in full -3k
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  • 2 months later...

Actually since the days of BigCols claim,there has been some changes.....one of those is the Bank (both RBS and Natwest taking a greater role in looking at claims at an advanced stage...or even offering settlement very early )

Dont know whether this was a cost saving thing or a temporary offloading to clear a backlog.

Lyndsey will know the answer......but I cant see her telling...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hello all,

 

I have been very busy on behalf of the British Tax-payer and unable to keep up to date with CAG matters, glad people are still reading 'my story' though, all I can say is that whatever happens, keep cool and keep checking the latest on the CAG, ask if you don't understand and read as much as you can. It is so worth it in the end, just getting your money is great, but knowing that the Bank has listened to you (not just a number) is a great feeling.

 

TTFN

 

BC:cool:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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