Sounds good to me, worth doing him the odd favour and putting yourself out then. It hasn't made you reconsider moving has it? :D Matt

GETTING MCOL RIGHT If you have a choice, it is always preferable to file using N1 at your local court. The two main disadvantages with MCOL are that your Particulars of Claim are limited to just 1080 characters with a maximum of 24 lines and you cannot attach the schedule of charges to your claim. Both these drawbacks can create problems later on. The banks use these limitations of MCOL to assert, with some justification, that the claim has not been fully particularised. Therefore I would strongly advise you to file at your local court. It will be transferred here eventually anyway. OFT TEST CASE: Following the announc

The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links. In addition there is the ConsumerWiki A -Z here: http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html Please PM me or a Mod if you find any bad links or would like to add any other useful links If you are new to forums this thread will be invaluable: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html It sho

So why so mad... we all know they are if they can screw you they will. pete

You have copied the URL Code which is the top line of 3 in your Photobucket album. You can see this as it has http at the start. You need to copy the IMG Code which is the bottom line of the 3. Try it again.

TRy sending back this - obviously amend to suit you Dear Sir/Madam Ref; I refer to your letter dated 2 October 2006, in which you supplied me with an unsigned copy of your standard credit agreement. The supply of this standard leaflet in no way satisfies my request for documentation for the debt you allege exists – and I therefore do not acknowledge any debt to your company. For ease of reference I enclose a copy of that letter. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that

follow link below http://www.cag-files.co.uk/barracad/Spreadsheets/Scotland/Simple-bank-charges-calc.xls excel http://www.cag-files.co.uk/barracad/Spreadsheets/Scotland/Simple-bank-charges-calc.xlr works

Hi You could try 0117 943 3133, see if you have any luck, but it is very early days yet, I would have given them at least a couple of weeks before chasing. Barty:)

hey cookie do you want to send me your spreadsheet and I will take a look at seeing if we can get a decent calculation for your interest? When you PM it to me take out your name and account numbers etc. so there is no identifying info it is safer that way.

If they acknowlege your court action it is on a court document, not a letter from RBOS. Sounds like they have just sent a duplicate letter out by mistake. We got a full settlement from RBOS so stick to your guns good luck ali

take a look at this thread it tells you evrything to include and links to documents for you to attach.http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523 claire

your very welcome xj, anything you need just give the shout!! besy of luck to you too!!x hi oz, no thats shouldn't make any difference and that is the correct address, best of luck x

i think the bit about not being allowed to touch benefits stems from exercising your Right of Appropriation (google also returns some good results on that one), which, as I understand, has to be done in writing beforehand. I might be wrong so I would wait for someone else to confirm it. I would personally send it in writing recorded, emails can always be denied, even with read receipts attached (lost in the system etc). OR you could try both approaches, email first with a promise of a hard copy but that strikes me as a waste of time as you're basically duplicating your own work. EDIT: In fact here you go, have a read of this htt

welcome to the forum. Please take time to read the faq's Please find your banks forum and start a thread; (your user name) V (banks name) use the template letters in order Stick to the timetable in there. For instant live help please go to the chat room Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional. If you liked what I have written then please let me know by clicking on the scales! FAQS http://www.consumeractiongroup.c o.uk/forum/faq.php Scotland Issues http://www.consumeractiongroup.c o.uk/forum/scotland/

But it is very easy to escape the computer. If you buy a vehicle and then give a false name and address when you register the vehicle to DVLA they won't be able to trace you. All they will do is put a note on their records to show there is an issue with the keeper details and then hope that the police will stop it at some time and get the correct keeper details. DVLA don't chase it up at all. But for all those of us who are law abiding and provide the correct details, should we be forgetful in declaring the vehicle SORN or late in paying the car tax as DVLA didn't send out a reminder, we are easy prey for DVLA. With them, its all about money

welcome to the forum. Please take time to read the faq's Please find your banks forum and start a thread; (your user name) V (banks name) use the template letters in order Stick to the timetable in there. For instant live help please go to the chat room Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional. If you liked what I have written then please let me know by clicking on the scales! FAQS http://www.consumeractiongroup.c o.uk/forum/faq.php Scotland Issues http://www.consumeractiongroup.c o.uk/forum/scotland/

welcome to the forum. Please take time to read the faq's Please find your banks forum and start a thread; (your user name) V (banks name) use the template letters in order Stick to the timetable in there. For instant live help please go to the chat room Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional. If you liked what I have written then please let me know by clicking on the scales! FAQS http://www.consumeractiongroup.c o.uk/forum/faq.php Scotland Issues http://www.consumeractiongroup.c o.uk/forum/scotland/

Welcome to the forum Planet, heres where you start http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38807-newcomer-heres-user-guide.html pete

Hi Buzby. The problem with theDTI is that they represent the interests of business and industry and do not, repeat, do not represent the interests of the general public/citizen/consumer. The same is true of the government in general in fact. The Bank of England avoids at all costs any form of real regulation with teeth as they fear, or at least argue (they are bankers themselves never forget) that imposing tight regulation will drive the banks to another business domicile. My own experience tells me that banks use this argument to bully the government (who across the parties are hardly brave at the best of times) the taxman and ot

hi inthedark, yes you should send two copies of your schedule of charges to mcol to be forwarded with your claim you should send along with this cover letter: The Court Manager Money Claim Online Northampton County Court 21-27 St Katherine’s Street Northampton NN1 2LH (DATE) Dear Sir/Madam (YOU) –v- (BANK) Claim No: ******** I have requested the issue of a County Court claim via the Moneyclaim online service, details as above. Please find enclosed a schedule of the money taken from me by the defendant bank by way of charges, along with

they still may be able to get an order for sale, this is very rare.

yes, I really shouldn't be advising people beyond where I am, especially as I'm furiously not reading ahead further than the next stage

Hi If you have not filed your claim yet you can add it on, any charges up to the point of filing the claim can be added on. Good luck, let us know how you go on. Barty:)

hi tristar..........no you must send the LBA this is the same letter i got, just a standard reply, wait your 14 days and then send the next letter, it is advised that you stick to the timescales as set out by cag, best of luck.x

Without hesitation I would phone the benefits agency and have your money STOPPED from going into that account. At a later date you can make an arrangement to pay off the account at an aggreeable rate. My advise would be to phone the benefits agency and explain what is happening with the account. And as the others have suggested get yourself another account. I'm in the process of claiming back my charges too and went along to the Yorkshire bank and opened up an acc with them. It was simple to easy. Good luck and let us know how you get on. Take Care

Hi Doo, As for the advice you have a great back up. But for the moral support, you got it.

No, they can't. You are disputing the debt, Red. So don't pay them anything, and maybe just write to them to say so, and you will be deducting any interest or penalties accruing since your dispute woas brought to their attention. Evn if it does transpire that you might possibly owe them anything at all. Don't panick about the true and original agreement. Make sure to go down the road of trying to find out if any of that debt was made up of claimable penalties too. And tell the DCA that you will certainly NOT be paying anything at all, let alone the whole thing within 10 days, as this debt too is in dispute. Tell them you MAY be cont

one other thing, does it have a right to cancel section????? hi there, if you look at my thread "Capital one vs My Mum" http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71457-capital-one-my-mum.html it might come in handy, inkogneetoh who is on there is the best one to ask if you PM her, say i sent you so if she slaps anyone its me ;-) best thing to do is to connect the scanner, install it and scan the documents in, then log into PHOTOBUCKET and post the pics there, and post the links here. if you can scan and send them to me ill be happy to put them on here for you if you need any o

Hi, I am getting a lot of questions about what to say to Barclays when asking them about settling before the big day. First of all, it really isnt worth contacting them until you have a court date and it is around 10 days before. but saying that, nothing ventured nothing gained. There isnt really anything specific you need to quote, just be yourself, be polite , stay calm and BE PREPEARED. before you contact them, open your spreadsheet to get the updated amount. [dont forget to add the fee for the AQ if you have had to pay for it. In my signature there is a Barclays Contact, I know I praise Krysta a lot, but she IS VER

hi there, recieved yet another call this morning, i got the name of the person. so i simply said "hi Karen, thanks for phoning although by doing so your going against OFT guidelines, you see Karen, back in December i made a legal request of your company to provide me with a CCA agreement, you have 12 working days in which to do that before your company enters default, i then have every legal right to stop payments until my legal request is satisfied, also, because you didnt supply the documents a further calender month after the 12 working days, your company has committed a criminal offence, so you see Karen, ive requested many time

Hi Daisy Smile say they are "ethical" - but they still unlawfully make these very same charges that you are claiming back from LTSB. Furthermore, their "true cost" (which none of them have as yet revealed) in returning items unpaid is probably substantially less (as an "internet bank") than the others (as "high street" banks) because they never write to you by post - they send automated "secure messages" via e-mail! Ethical or what?? J

Sharpgun, Hopefully a link to a useful couple of threads will appear in my signature. Firstly, a group of us have started a thread to help all those claiming against Business accounts. We've got together to share ideas, methods, views etc . There are some subtle but VERY important differences regards claiming against Business accounts; mainly the fact that you cannot use Consumer law, (but there is plenty of other legislation, regulation and case law you can use) I too am claiming on a Business account, and for prior to 6 years, and including Contractual interest. Yes, the figures involved can look shocking at first...... but rememb

Hello reduk054, A cca request and an SAR are two sepearate requests. The CCA is the 1974 statute which is to do with your rights under this act,in it for a fee of £1 you can request a copy of your true executed agreement (not application form) this is basically to prove that there is an agreement in existance.(or not) The creditor or whoever is handling the alleged debt must prove that they have a right to collect alleged monies owed,they must supply this info in 12 working days plus a further 2 days for postage allowances, after this time the account is in dispute,then after a further 30 days they are committing a criminal offence

Yes you can reclaim again. They are more likely to close your account so i advise you open a parachute account just in case.

lotte, my claims are for 2 lots of charges outside the 6 year mark..., so far this hasn't been picked up by DG. however I am at the stage where my case has been transferred so dg could now argue re those 2 charges...don't worry though, as you say, bankfodders article is a real help. I'll let you know if my case is argued re those 2 lots of charges?

Thanks Laterus for your advice, I will try and be firm. You know when I am at work and doing phone calls for my job I can be very firm, but polite but when it is for me, I just go to pieces. Hey ho, lets see what she wants first! Let you all know tommorrow. DS

Regards to All

Hello, Abit interesting that eventually you did get to speak to her. or nearly:o I would hedge my bets and sent a letter of herself and Barclays and see who's response comes the quickest. In answer to the template there are some kicking about on the forum have a check, but basically your write with the same letter for your ppi, but starting of with "I am extremely disappointed that you have failed to respon to my letter dated blah blah some bit in the middle and finish with I am prepared to give you 14days to reflect on my blah blah I will not contact you futher but will issue a claim blah blah. I can let you have a copy of one

Go for it. The 6 year limitation has pretty much been blown out of the water now - See http://www.consumeractiongroup.co.uk/forum/hsbc-bank/33005-bong-hsbc-contractual-interest.html?highlight=Bong if I recall correctly.

Hi, its me again. I found this:- Claim Timetable: Your claim will generally be deemed served 5 days after filing . The deemed date of service will be on the Notice of Issue sent to you by the court. The bank will have 14 days from the deemed date of service to acknowledge. If they do, a Notice of Acknowledgement will be sent to you The bank will then have an additional 14 days in which to file a defence, ie a total of 28 days from the deemed date of service. Once the bank has filed a defence, your claim will be transferred to your local court who will send you a copy of their defence and an Allocation Questionnaire wh

That's not what the thread title says. Might be better to move back to the original thread where peace seems to have broken out! Somebody please tell me if I'm stirring it. Els

I sent this to Barclays last week: LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Dear Sir/Madam Accounts: xxxxxxx and xxxxxxxx. I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated XX/xx/XX. I believe the disclosure of personal data to be incomplete in that you have not supplied information covering the period from the opening of the accounts to January 2001. My Request clearly asked for documents relating to 'my banking history with your organisation', not just the last 6 year period. Accordingly, I must tell you that you have not yet

Unfortunately you can't add these on to this claim - will have to start the whole process again for these I'm afraid.

You dont have to wait for them, remember you are sueing them, so its all on your terms. Not theirs. So go ahead and file.

Hi zimmie, I am in the same position with dca they sent me a copy of my initial application form with a bit about this is a credit agreement, according to someone on here, that is not enough it should be the executed agreement they send and not the initial application form, so i have wrote back requesting just that. Hope this helps. cg maybe you could do the same.

The rest as i see it would be best dealt with via the FOS.

Hi EDMDetails http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf Claire

glad you got your thread going - we will try to post any new info on that other thread - already it has saved us hours of putting the same info into people's threads as we just point them there. and, as you are one of the first - there must be a couple dozen by now - but none with the next step - so we are waiting to hear what comes next - we assume it will be a judge either requesting an aq (with about 14 days to complete and submit) or a court date - and if it is the court date - we'd appreciate the wording on the first couple to get to grips with what they require - i'm predicting about 30 notice for a date. as we've always said

Hi Purejane In the meantime, and before any more benefits are paid into your account, contact which ever dept pays your money in - advise them that despite warning your bank, they are seemingly flouting the social security act and appropriating your benefits to pay unlawful charges - and request that the dept pays you by giro whilst you set up a post office benefit account (it can take upto 2 weeks to set up!). If they umm and err - tell them that you are being left with no means to support your family, and you are now in desperation. They should agree, and maybe even offer assistance in clawing back your benefits from them (or at least

Brian, Thanks for the click! You should get the papers shortly. Pondfish