Sunday 22nd June Just noticed that everyones' avatar has been changed to include the following: "Watch out there are claims touts about" I presume this is in response to the admin becoming aware of a member or members trawling the forums and threads and then contacting other members offering to sort their claims out for a fee or %. DO NOT BE TEMPTED ! These companies operate by offering to sort your claims out in return for a fee, or by getting you to agree to give them a percentage of anything they get back for you. They more than likely do not have any more legal training or background than yourself, so cannot

The more knowledgeable have arrived in the guise of pt .. you are in very good hands now saint

That's in a Brummie accent then...??

Way to go...! Balloons................

The template in the library has been updated to reflect the changes. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html#post90321

Hi Sparkles, Now thats taking the Mick!! I think you really need to see a solicitor regarding this and all in your post number 23. AT the very least go and see the local citizens advice people. There must be a way to stop your ex doing this especially as an order has already been made. Do you have evidence to show that the money you gave him was to maintain your debts aswell? Is there a way that you can sell your part of the houses to another party. If you dont mind me asking, would the sale of the properties realise enough cash to pay all your debts? I'm just wondering if the sale could be forced by bankruptcy? It

Could be worse he could have had a pet that smoked!!

Hi late payment fee, over limit fee etc. Only current account claims are effected by the OFT test case CC claims are still going ahead though some courts and CC providers apply the stay( this happened to me with MBNA applied to court for removal of stay no problem) Cap1 will say something along the line of we will pay the difference of £12 and full charge. Just keep going, issue court proceeding and CAP1 will acknowledge the claim say they will defend in full. Then after aprox 28 days they will pay the claim in full. This happened with my claim and many others I have seen on CAG. My case reduced my balance from £1900 to £300 that was soon pai

you should get a bigger brush.

I certainly agree that you should get your credit file. I have to say that I formed the suspicion recently that when people ask for their credit file, the CRA updates its records with details of any new address. I believe that this could be an abuse of personal data and we are working on something in relation to this. If you want to keep your details away from them then you might be advised to have the data sent to some other address. As far as very old charges are concerned, we are looking at this. We think that there may well be a way of gettng this money back. i suggest that you begin by identifying your charges by sendin

well everytime you have moved if you have put yourself on the electoral roll then they could have tracked you down that way already. I feel that your pretty safe to be honest. Even if they wanted to track you down as it over 6 years im sure that if would now be unenforcable anyway as i think they have to have made contact with you within the last 6 years for them to still be able to claim its still a debt.

Have you set that setting to the private IP address of the webserver? Regarding the static ETC, how are you trying to view the webserver externally in IE/Firefox? What web address are you going to?

If it has no interest rate then it will be unenforceable but it's best to wait until you have scanned and posted them so they can be looked at in detail. Remember to cover over all your personal details before you post.

If you have statements of your accounts, showing all charges applied to your account then this should be sufficient, if not, then you should SAR LLoyds TSB immediately and start proceedings to claim back the unlawful charges that they have applied to your account. There is a specific area of this forum for claiming back such charges, including template letters http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ this is the link for Lloyds bank, here you will find examples from people in pretty much the same boat as yourself if you feel that this has been helpful, please feel free to tip the scales

You don’t need receipts for everything - the general advice is serving the bailiff an affidavit - a statement sworn before a Commissioner of Oaths (£5-10 fee applies). Make four copies, send one to the bailiffs by post, one to the local police, one for your own records and one to hand to the bailiff through a window if he turns up. Never use recorded delivery when serving documents by post - it gives the bailiff an opportunity to decline receipt. PO Box addresses are fine. Cover letter serving affidavit on the bailiff: And send a copy to your local police authority. If you need to file an officia

Its a standard reply ..... keep on with your claim in your timescale

Hi Sparkles, you have been given good advice already. The more you read the more you will understand. If you pick one or two threads which represent your situation ie Alphageeks thread then it will more or less give you the answers to questions before you need to ask. At the moment it all seems rather frightening but as you become more aware of what these companies CANT do then it wil become a little easier. BTW, Debitas are the In house Collection Agents for Capital one (I only found that out myself a couple of days ago). So in effect, you are actually receiving letters from the same company (Capital One) but with a di

Hi I don't think there is much in this to be honest. Despite no anti-slip mats and/or signage one has to expect wet floors in a swimming pool changing room in any event. Had one visited a council owned library and slipped on a wet floor then one wouldn't expect that but I feel this scenario should be expected. Regards

Taken from a dissertation i wrote a while back a judge may, if he feels the material facts of the case quoted as an authority are not on all fours with the present case ,distinguish it and as such the precedent does not apply with regards to Woodchester and Swain, its easier for you to read the judgment than for me to try to explain it to you, id be here all day but suffice to say, the case clearly outlines that it is not de minimus if the figures are misstated in a default notice

??????????????????????????? U ARE kidding aren't U gizmo111??... The WHOLE of the CAG website is riddled with Threads about peeps being chased by Original Creditors/DCA's etc, well into the period in which they are legally entitled to start Court Claim against....:eek: Indeed, janus even refers to this types of DELAY in her Post preceding yours... If a person has JUST been re-possessed, it will 99.99% of the time be cos of LACK of income. It therefore makes MORE sense for the Creditor to wait as long as possible before attempting to regain the monies owed, surely? A/ Interest etc could have accrued on the original outsta

Regarding the cars....your are correct. I have sent you a message. S

As well as this being a penalty charge, the OFT Guidance is quite clear about charges added to a debt by a DCA: - Their must be specific contractual provision (i.e. in the original credit agreement or contract) - The amount of any such charge must be indicated in the agreement - The charge must not be unreasonable, such as charges not based upon actual and necessary costs - DCAs must not mislead a debtor into thinking that he is legally liable to pay such charges, e.g. where there is no contractual provision - Charges must not be disproportionate to the main debt I have yet to see a case where a DCA is able to satisfy the OF