lol gold lady. Thanks for cheering me up. Chrissi

Try this letter There was no need for the attidude I HAD read your thread before replying !!!!

1) The Ombudsmen use an informal process, they do look at the law relating to the issue, but (and this is crucial) they do not consider cases where legal action has begun. As you'll see below the ombudsment is different to the courts. 2) I am less sure of the answer to this but I believe your assumption is correct. The Ombudsmen are less formal than the courts, you should simply present your complaint in ordinary language. Instead of making a specific request for compensation if you want to angle for this I would put something in relating to costs. Perhaps listing how many hours you have wasted getting nowhere. Whether or not

The credit agreement, as it stands, appears to be unenforceable. If they could show the document you signed had the prescribed terms on it, then it would become enforceable. However, considering you are not in arrears, i would advise if possible continuing with the account as normal. Failure to pay would cause years of harassment and difficulty, and should be avoided if possible.

That's great news benmills! It's can be really difficult to get defaults removed......... so you've done a great job with this. Good luck with the new home by the way!

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TWICE actually!... ...

Hi you multiply your total charges by 0.00022 this gives you the daily rate.

In those 2 circumstances, you would be required to pay the fee. I don't think so, in this case. However, if that were to happen, you would most likely have to send medical evidence to the insurer and they would (hopefully) waive the fee. But in your case, you have cancelled the policy because you found one elsewhere with a lower premium. What you need to consider is: How long do you have left until the renewal date? If it's only a couple of months or so, you may as well carry on with the existing policy. However I can see in your case, you would have had another 9 months to go anyway. Also you need to consider: How m

This has the prescribed terms for a CC agreement - APR, credit limit or how defined and repayments or how calculated. If it alsoe has youir name and full postal address and your signature then it is enforceable. It should also have a signature from HSBC as you say and that, technically makes it not properly executed. However, it is probable that a court would give an execution order onit as you have signed it and it has the prescribed terms.

I couldn't help myself from adding to this thread, which has gone off the rails few time. I wrote a paper few months ago about benefit fraud. I wanted to tell you that the figures which quoted as "lost to fraud" do not tell the whole story. In 2003-04 DWP spent some £109 billion on a wide range of benefits, employment programmes and the associated administration costs. It estimates that around £3 billion of this expenditure may have been lost from benefit payments because of fraud and error, the same estimate as reported in 2002-03 and 2001-02 . However the figures also show that official error results in almost as much benefit being over

Hi On your claim form under value Charges xxxxx interest under s69 county courts act 1984 £xxxxx this is the 8% interest Total xxxxxx S.A.R - (Subject Access Request) -(subject access request)fee....£10.00 In the right hand boxes Amount claimed xxxx court fee (if you have to pay other wise leave blank) solicitors costs leave blnak Total amount xxxxx when you do your spreedsheet it should calculate the interest for you you add the daily rate on your poc and not on the value section on your claim form on your poc tick no to human rights the claimant claims interest under county courts act 1984

Hi there I've just started an action at Edinburgh Sheriff Court for my business account and a personal account for my mum and dad. Firstly, I'd just like to say that the forms you download - make sure you download the forms 1B. You only need to download that form because the first one is the formal copy and form 1B is the form that you use when serving on the defender (the court does this!). I got confused because I downloaded forms 1A and forms 1B. You dont need to download the 2 sets - only form 1B. Secondly, I sent my form off to the Sheriff Court and got it back. They advised me to use the following as claiming for inte

Hi P1 I agree with you there! About a year ago (before I discovered CAG) I was getting endless phonecalls to my landline from (mainly) Merciless, so much so that I was leaving the phone off-hook during the day for about 2-3 months. Luckily I also have some VoIP numbers which I was able to give to friends etc. so they could still get through on a normal geographical number (these can be obtained FoC from companies such as Sipgate). Nowadays, having found CAG (and getting Barclaycard to accept token payments) I can once again use the normal landline number and no longer have DCAs calling me. Rob

the use of Without prejudice...... would be in the letter, there is no need to write a second letter, it means that you can rely upon it when dealing with the issue of costs but they cant rely upon it in court its just a thought thats all

Yes it has happened.... and yes, it can be re-enforced. In theory, DCAs/creditors should be pulled up when they fail to produce docs. within the legal timeframes but in reality, this rarely happens. If/when docs. do turn up, there are other avenues to go down, such as lack of a default Notice, incorrect balances on Default Notices, unlawful charges and so on. It doesn't mean that it's "game over", but tactics need to be altered.

The way I understand it is. As long as the creditor can't supply a true signed copy of the aggreement, the debt is unenforcale. However, if they do manage to produce it (which is unlikely in most cases), then the debt becomes enforcable again. In other words, You don't have to pay BCW a penny at the moment. If they do happen to find your original agreement then i'm afraid they'll come looking or their money again.

Allegedly

No, they are not, without a court order. You can of course apply for such an order. I am, i admit, concerned that it appears you were representing someone, and - unless you were properly registered, and insured - this may be illegal. What exactly was the invoice for? Are you professionally qualified in the area? Is there a written contract? Can you prove there was an agreement, and if so what was the subject of the agreement? I'm afraid like a lot of contract law issues, without having all the documentation in front of us, we can't give you any definitive advice.

yes, you can, and if the CCJ installments are low enough they might accept it. make sure you say the cash is raised by a relative.

Whilst you can withhold payment after 12 days (working days remember) i would advise she keeps paying until they are past the 12 working days (from the day following delivery) plus calender month by which time assuming they have not complied its unenforceable, no point in stirring things up too much when they have frozen interest and charges etc or they could just get nasty again

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/106783-halifax-bank-scotland-contact.html there are 'stickys' at the top of each forum under the announcments that give lots of helpful advice

Hi, Olive.Family. It might be worth your while having a look through the successes... http://www.consumeractiongroup.co.uk/forum/halifax-if-successes-2.html You might find something in there to help you. Regards. Scott.

my getting a happier new life pot is getting bigger and smaller each day. Used it to buy a new washing machine and freezer the other day. Moggie. Good that u have not started the DMP yet as l would only start them when l have the full information IF i bother to start one at all. I would rather do things my way and not a DMPs way. Hope all is going well with your son and the EX over his daughter. Chrissi

Mt Ton, I posted this on one of your other threads, but it does throw up some interesting points and I've found it a good way of dealing with these to**ers. This is more-or-less verbatim and it happened to me a few months ago: Them: "Mr Bassett?" Me: "Yes" Them: "For security purposes, will you please confirm your date of birth" Me: "Whose security?" Them: "Pardon" Me: "Whose security are you concerned about here?" Them "Yours of course" Me: "Let me get this straight, you're telling me that for the sake of my own security, you want me to give you, a complete stranger ringing from a number that has been withheld, the k

rang lowells up again last night in my best pakistani accent Lowell Reference number please LB Hello Please why you ring number Low reference number LB no reference number who is i speaking to please low RED LB Red what is red Low Well we dont have to give out that information until you tell us a reference number LB The english flag is red GOD SAVE THE QUEEN what Low could we have your postcode then LB My postcode what is this ? Low At the end of your address will be you postcode , if you give us that then we can see what you were called for . LB so you want the last thing on my address , let me think now Y

And this is why I trust the CAG ... Simply awesome Paul ... I'll have a careful read this weekend and ask a few Q's and then it's a 'Special Delivery' for these ... erm ... 'nasty people' Thanks mate ... that's taken a lot of time and attention to detail. Now, I know that you guys won't accept personal help but the CAG needs supporting. Please let's go for costs here ... I'll give the lot to the CAG as promised. D

Hiya Wornout. Welcome to CAG. Sounds like you have had a rough time. The best advice at this stage is to read as much as you can, and to familiarize your self with the site, as there is a lot to take in, but there is help along the way. When your ready, find the place you need to be, and post a new thread.

You need to send a Prelim requesting repayment of charges and removal of default. Send a spreadsheet with it detailing the charges. Cap One will make a derogatory offer, send LBA, they won't up their offer, file N1 and take them to Court, they will offer all charges (they don't want to actually have to turn up in Court)but the default removal is more difficult. You should keep your claim together and reject any offer that does not include default removal. Have a look at Alphageeki V Capital One, also Mkandy V Capital One. If I can find the links I'll post them later. And can you expand a bit please? The more info we have, the more likel

Greetings OLD Friend!!!! Hope all well with you, will be in touch!

It is all marketing marketing marketing, if you dont want the crap they send out you can write to them and tell them, i managed to cut down almost all of my junk mail by signing up with Mail preference and then got rid of the sales calls by signing up for Telephone Preference, just google the names and you should get some links