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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
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      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

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      Lowell/Overdales letter of claim now claimform - 2019 paypal EU debt

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      Done

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

FSA To Review Waiver

crfx250

By crfx250
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muggyno1

muggyno1

Posted
Posted

Hi,

 

Yes, I've seen it. If you look at any of my posts you will see why I wont be signing it!

 

Cheers.

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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ohoh4312

ohoh4312

Posted
Posted

Yes it caught my eye a few minutes ago.

 

And I have been trying to restrain myself from making a comment - suffice to say I will not be signing up.

36_1_30.gif

 

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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bonnie0852

bonnie0852

Posted
Posted

Hi guys, sorry for having a blonde moment here, but am i missing something?? Why wouldnt you sign the petetion????

Please tell in case ive read it wrong??

FORGET ABOVE COMMENTS, JUST READ BACK A BIT FURTHER AND AM NOW UP TO DATE!!!!! PHEW........

bonnie :?

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Perseus

Perseus

Posted
Posted

http://www.consumeractiongroup.co.uk/forum/general/108233-bank-charges-consumer-charter-4.html#post1075655

Just posted my - not-so-supportive views of the charter!

In my opinion it is a wasted opportunity...

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un1boy

un1boy

Posted
Posted

Guys, how realistic is it that the FSA will remove the waiver?

 

The financial industry in this country makes me physically sick.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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muggyno1

muggyno1

Posted
Posted
Guys, how realistic is it that the FSA will remove the waiver?

 

The financial industry in this country makes me physically sick.

 

Hi Un1boy,

 

I think it unlikely at the moment, but the more pressure we put on and the more we hold our nerve the more likely it will become. I have a bucket I can pass you tho':D

 

PS. Have you written to your MP yet?

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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MacBoy

MacBoy

Posted
Posted
Guys, how realistic is it that the FSA will remove the waiver? The financial industry in this country makes me physically sick.

un1boy

This depends largely on how the FSA perceive the banks have behaved during the first two months of the arrangement. The more we can highlight their sharp practices, deception and spinning in their communications to customers about it; and the more political noise we can make - the better chance we have of making the difference.

 

Why not write to your MP instead of wasting time on the Big White Telephone? ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
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Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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MacBoy

MacBoy

Posted
Posted

Hahahahaha! Muggy - we'd better cool it - we're becoming like a pair of Scientologists :lol:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
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Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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muggyno1

muggyno1

Posted
Posted
Hahahahaha! Muggy - we'd better cool it - we're becoming like a pair of Scientologists :lol:

 

Are you wearing dark glasses and a black suit?

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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MacBoy

MacBoy

Posted
Posted

No - not quite that far gone yet....but would you like to take a personality test? Hihihihi! ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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muggyno1

muggyno1

Posted
Posted
No - not quite that far gone yet....but would you like to take a personality test? Hihihihi! ;)

 

Scored 200 out of 200 'cos I'm the only direct descendant of the aliens that didn't get burned up in a volcano!

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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midge61

midge61

Posted
Posted

Hi

I have just put my opinion on the other thread and feel that the main issue is getting the waiver lifted or made equal by stopping the banks from taking charges untill the outcome of the case.

 

We should be fighting together to show how the banks are abusing the waiver and not backtracking by saying that we would agree to £5 as a fair penalty charge. No penalty is fair in my oinion.

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muggyno1

muggyno1

Posted
Posted
Hi

I have just put my opinion on the other thread and feel that the main issue is getting the waiver lifted or made equal by stopping the banks from taking charges untill the outcome of the case.

 

We should be fighting together to show how the banks are abusing the waiver and not backtracking by saying that we would agree to £5 as a fair penalty charge. No penalty is fair in my oinion.

 

Well said Midge, I entirely agree.

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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muggyno1

muggyno1

Posted
Posted

Hi vicky,

 

Have seen and signed this one. Well done on the letter to your MP.

 

Muggy

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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Share on other sites
un1boy

un1boy

Posted
Posted
Hi Un1boy,

 

I think it unlikely at the moment, but the more pressure we put on and the more we hold our nerve the more likely it will become. I have a bucket I can pass you tho':D

 

PS. Have you written to your MP yet?

 

Muggy

 

I've actually got a meeting with my MP lined up soon.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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muggyno1

muggyno1

Posted
Posted
I've actually got a meeting with my MP lined up soon.

 

That's great un1boy. Don't let him/her wriggle!

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

Link to post
Share on other sites
MacBoy

MacBoy

Posted
Posted
Monty was always a 'Dark-Horse'!

 

What are you inferring, sir? :p

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites
jealleanor

jealleanor

Posted
Posted

I think the idea of everyone bombarding the FSA and OFT with letters is a great idea, after all, it was the bombarding of letters to the banks and courts that got the FSA and OFT involved in the first place! So that proves that written pressure works!

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