New cabot sub forum now set up

If the due date falls on a weekend/bank holiday they have till the next working day - April 10

I started using recorded delivery when the banks started replying 'sorry we don't have you letter of xxx'. So I now send them recorded delivery and if they try that excuse I refer to the date it was received and say 'well you must have lost it. Not my problem, so go get it sorted' It's good for time sensitive stuff like SAR and CCA requests. Sometimes the Royal mail site doesn't show the date of delivery and when I rang about letters to Barclaycard they told me that it's because they have an arrangement with BC. A member of staff signs a single entry for perhaps 40or 50 items. They can't get these onto the system very easily. If you ring

Knelly, No, don't do that - you would be giving up the interest on them. Just take the £350 off the total of your charges + interest. Regards, Mad Nick

hiya charmaine and welcome to cag, please be sure to read the faqs and the guidance notes, this will give you a good understanding of how to reclaim your charges, people are very friendly and will answer any questions you have if they can. This is a self help site, but you will find plenty of support from other users, personally i would add the charges which are outstanding on your account to your claim (someone correct me if i'm wrong) and yes if you have a read at the template letters you will see that there is a letter which requests defaults on your credit file be removed. best of luck with your claim x

hi - i think it is an agreement in principle - this gives them the right to do a credit check on you and if there is somewhere to sign on it i think it is binding if they agree to loan you the amount asked for. i may be slighlty incorrect with my wording hopefully an admin can correct my errors or explain a bit better than me

Excellent!! Please complete the bank survey……….cheers for the donation. See here for advice after settlement: http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html Please PM a Mod with details of your settlement for the Litigation Concluded forum Congratulations. Enjoy the dosh!!!

You can claim back the £12's, the OFT report sets a figure above which they will consider action of their own, not a figure the banks can charge. With regard to Mercers ask them to stop calling (if you haven't already) and if they don't send them this letter.

No need to worry, or to amend your schedule. They just won't offer the pre 6 year charges in settlement, thats all.

They were obviously having a quiet day at the office I think as you gave them 14 days to respond / refund your fees and they've refused to do so you'd be justified in moving to the next stage.

first start by reading this Frequently Asked... then things should make more sense if you get any problems theres usualy someone online who can help good luck

I have never dealt with the default side of things.... so someone with more experience needs to advise you on this.

Hi I think they would only do this if the loan was way behind in arrears, I don't think I can recall any claim on here where this happened. Barty:)

Basic Court Bundle

Hi and Welcome! Right if you have filed with MCOL, you need to do the following: Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to: The Court Manager, Money Claim Online Northampton County Court 21-27 St. Katharine's Street Northampton NN1 2LH Dear Sir/Madam (Your Name) –v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest

Hi Chewy And welcome aboard. There is a lot of information on this site so take your time and spend a couple of days reading as much as you can. Here are a couple of links to get you started and i suggest you always keep them to hand. http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html When you are comfortable start a thread "XXXX v Bank Name here" in the relavent bank forum as then people with specific experience of this bank can offer support and advic

You're welcome! Good luck with this. REgards, Pam

That looks fine, additionally if your claim >£1.5K you will need to include a cheque to HMCS for £100. That sum is claimable back from Lloyds. I presume you are okay with filling in the other parts of N149. Send completed AQ to court and a copy to SCM. Although they can be a bit random, Lloyds generally settle around this time.

Hi Armbar, The payment they received from you in 2004 does not prove the debt is yours by default. What that proves is that under duress and threatening tactics from them you paid them this money to leave your premises as you were frightened. This is only my own take on the matter. Mikey If you find this useful please click on my scales thanks

Send it to their registered office/ head office 1 churchill place london E14

Hi armbar, send the CCA recorded or special delivery today and don't speak to them on the phone. Any communication with them should be in writing and keep a copy of your correspondance to them. You will probably get a letter back stating the account is on 28 days hold, they will also ask you to supply them with any details/proof of any payments that have been made. My personal opinion on this is that they should have this particularly if they have bought the debt so why get you to do their work for them. With regard to court and bailiff my understanding is that they have to file the papers into court, you will receive paperwork from the court

The court has given you the choice of either writing or attending - you don't really need a reason. As long as they receive the letter 7 days in advance of the hearing then writing in is fine.

You can revise your schedule right up to the point you commence proceedings (MCOL or N1) but obviously confirm the revision, no need to alter the dates you have in your time table as these are just revisions to the value not the fact that they are unlawful and you want them all back. Think netty might be right about the overdraft arrangement fee but no harm in putting it into your schedule HSBC or the solicitor will take it out if they don’t agree when they make you an offer (gives them something to say they have done right) on the other hand its only £25 and we should be as right about what we do as we can be. pete

it will all look and sound very confusing but trust me - you'll be ok! you can even take a look at the actual AQ online if you click the link below too, might make more sense! Notes for completing a small claims track allocation questionnaire - Form N149 An online PDF version of the form is HERE

Sounds like your gettin' the bug Claire! it gets a bit addictive - giving banks a taste of thier own medicine:lol: Good luck (not needed of course) to all your mates. Make sure you stick around after you've scerwed Barclays to the floor:lol:

If it is an Excess Charge Notice (ECN) the all the discussion about two dates is totally irrelevant to you. The two dates are a requirement of Penalty Charge Notices (PCN) that are issued by Council Parking Attendants in a Decriminalised Parking Enforcement regime.

Yes, add the new and forgotten charges to your list of charges and head the page REVISED list of charges. Then change the total in the letter. I wouldn't bother explaining what you are doing - they don't actually read the letters anyway! Just stick to the standard LBA letter. Good luck tomorrow. .

Yes you are msbanana !!! take it slowly and follow all the great advice you will get on this site.. you will be fine!!!

aww,thnx x

The voice of experience.

Hi & Welcome! I think most of think that we will be the first case to go to Court, it's only natural to be a bit nervous of the whole thing. Good luck, let us know how you get on. Barty:)

no because there has been no settlement on bank charges and the £12 is not a cap but merely an amount the OFT feels acceptable anything over this they are prepared to get involved with the case. That does not make it right if when disclosed the charge is less than £12 if this has helped please click my scales cheers

And you didn't tip my scales, you swine... (walks off in a Chardonnay induced huff)

They checked my experian report too TWICE on the same day (I reckon cause they chasing tow debts in one claim??) ALSO - they checked Land Registry too!!!! Naughty Naughty?? Does anyone happen to have the sections to quote that says they ought not be doing this - so that I can quote this on my POC's this week??

But can they do this without my permission ? I have just made a complaint to Experian to ask them why they have allowed them access to my personal data with our my consent

Tell me people if you think this is a silly idea. I can file for judgment on 21 March. Just wondering if it would be an idea to call Halifax just before that and suggest they settle to save me the bother/them the aggravation of having the baliffs calling on them. Now I live in Beautiful Birmingham - where Howard comes from..... Supposing I suggest that I ask for the baliffs to go to Howard's branch with the media in attendance. Go on -tell me this is stupid and I can't specify which branch the baliffs attend. It's a lovely thought though................ Might be worth calling and being polite though.

MCOL is a piece of cake Kerry.... with a cherry on top

Hello mate , good luck with your claim , started mine a couple of days ago . Is there an average time for settlement ? - Reading several other threads i would say about 3 months , but if it takes 5-6 months then so be it , just hold out for every single penny .

I don't know what I'm doing tomorrow Kerry, but i'm sure i'll be popping online at some point, one has an addiction to feed:lol:

HI..In answer to their points 1) Woo-Hoo..Glad they know 2) Mayb not- but they can't collect it. 3) They can't default it, not whilst they have defaulted on the CCA. 4) So I paid 40 times when I shouldn't have done. There's no agreement..Hmm, could claim all those payments back! (although I'd advise against it) 6) Well it wouldn't have broken down if they'd conducted their business the way they should have done, by making sure there was a legal OA before they started all this. I'd do nothing...why should you?

It would appear that they accept that there is nothing they can do. I personally wouldn't offer them a settlement figure, if you aren't concerned about defaults on your file then don't worry about it. There is a chance that you could get the default removed anyway.

I had a similar experience, I actually made sure my balance was zero so that they would have to refund me by means of a cheque. They still paid the funds into my account, which at first thought it would not be a problem, that was until I tried withdrawing it. I was told there was a 200 quid withdrawal limit and that I was unable to make further withdrawals until I had made a payment on my account. Now why should I have to make a payment when I owe them nothing. They owe me. I requested that the outstanding balance was returned immediately and that the account was closed. They have transfered the funds to my bank by BAC's and this clea

Hi Moses It's the same POC. .

Hi Nick, I would give them a quick call, what have you got to lose? If they don't come up with the goods, send them the 7 day letter. Bring it on............not much!!! Thanks for trying to click on my scales, I don't know why you can't?! How peculiar! If you call them, let us know a.s.a.p! Good luck, will be thinking of you!

Did you send the CCA request by recorded delivery... and have you checked that it was received ? If it was received, then the account is in dispute from the moment they receive the request.... so making payments until the 12 working days are up is up to you. If they do not produce it within 12 days, they are then in default and you would be within your rights to withhold payment anyway. Do not worry too much... wait and see if they produce or not. If they do default and continue to give you grief over the 'phone, send them the Harrassment by Telephone : response letter in the Bank Templates section... kep scrolling down 'til yo

You should start a thread in the HSBC forum (you are in general here). Anyway to answer your question send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed with your claim to: The Court Manager, Money Claim On Line Northampton County Court 21-27 St. Katharine's Street Northampton NN1 2LH Dear Sir/Madam (Your Name) –v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 o

yep, not a problem:)

Thia is very long I'm afraid, but it's a collection of bits of various documents and my own musings through succesfully claiming back money owed to me through a mis-sold endowment. Nightmare computer problems trapped this doc in my old computer for 6 weeks so apologies for the long delay! If you find it useful, please click the scales! More than five million endowments have a shortfall. If yours is one of them, is this just bad luck or were you badly advised? There are 11 million endowment policies linked to mortgages in the UK. More than half are predicted to fail to do what they were sold to do - pay off people's mortgages. T

This User Guide is Now Out Of Date Click Here For The New Version Click Here For Bank Contact Addresses etc MANY THANKS RDM2006 (AKA Givitus Allback)

DCA's are in business to make a profit, what they buy the debt for makes us feel they shouldn't get full whack but to be honest it's non of our business ( and I am no lover of DCA's believe me) that is down to the banks bad negotiating and the DCA's good fortune. They probably only pay about 7-12% of the face value but that's just good business. We can use that knowledge best by negotiating full and final settlements knowing that as long as they pick up a relatively reasonable profit they will do a deal.Whatever it ends up as it'll be less than you owed in the first place so there's the benefit. They love the £5 or £10 a month merchants and t