Yes it included the 8%. This link may help http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Hi Sparky, welcome to the site. Have you started a claim? I am in a similiar position and i started my claim on the 31/5/07. I received my first bit of correspondence last week offering me £1600 of a £2900 claim. They wanted to pay £1500 of that to Metropolitan to clear an outstanding amount. I have been paying £100 monthly against this. I politely told them that i was declining their kind offer. Stick to your guns and go all the way, they will settle in full! As for Metropolitan, i would send a letter stating that you will only accept payment in full in the form of a cheque and continue paying the DCA separately. It is your money so they cannot choose where it goes!!

AQ was due in on the 16th July and DG had still not filed when i rang on friday. I have sent a nudge to DG but i have had no correspondence since i started the claim. Can i ask the court to strike out their defence?

bump

Thanks JW, my claim was done using the N1. This is the 1st communication i have received from HSBC since the standard "looking into it" letter. Do i need to send a rejection letter now that it is with DG?

Anybody please!!

Hi everyone just a quick update. Received an offer from HSBC of £1610 (claiming £2900) they go on to state that i have an outstanding debt of £1503 that they will deduct this from the payoff leaving me the princely sum of £107. I think i will politely decline this offer. Do i just send a letter declining this amount? The deadline for DG to get the AQ in was the 16th july and i rang the court and surprise surprise they have not filed. What is my next course of action?

Just subscribing as i am in a very similiar situation with an Egg CCA i received today via Fredrickson Intenational.

Cheers wednesday!

Using my laptop from home and I have not got a scanner but it looks pretty kosher. It has 2 signatures and dates and it looks in order. What would make it non enforceable? I will try and use a scanner tomorrow and post it up.

Can anyone offer any further advice on this.

Thanks Curlyben. Will wait to see their next move and then will hit them with that letter. Had a response today from Fredrickson Int with regards to an Egg Credit Card debt, they responded on the 13th working day but the letter is dated within the 12 days. What can i do next. Do i just go back to making payments to the DCA?

Cheers Curlyben, what if i dont get a letter yet still want the default removed? I personally dont think that they are going to give up that easily as the outstanding amount is around 4k.

Ok can anyone help. The 12 + 30 days are up and there is no sign of the agreement. Is there a letter i can send to DLC to say that the debt is no longer enforceable and also i want the default removed as the agreement is in my wifes name as well as mine and she has a totally blemish free credit history apart from this one with Citifinancial (DLC). Many thanks for any help with this.

I also need to get the default removed is there any chance of that?

Anyone please!!

Hi everyone i sent a CCA request on the 30th may to DLC for an old citi loan and so far they have not been able to supply it and this week i have had 2 calls from them only for them to realise that they are not supposed to phone me. I also received a letter this morning saying that if i do not pay the arrears then the concession will be withdrawn only to say when i phoned them that the letter was sent in error. What is my next move?

bump.

Thanks for the reply. I have about 4 years where they have charged me around £60-70 a month in interest and on top of that an insurance payment of around £35 a month. I dont have may late payment fees as i had a direct debit set up. How can i find out if the insurance was authorised by myself and where can i find the T&Cs? Thanks again.

Hi, i am currently at the AQ stage with my bank account but i thought i would try my luck with my old c-card. I had about 4.5k outstanding when i ran into difficulty and within a short space of time DG solicitors had a charge placed on my property for this amount (nice people) so i re-mortgaged and paid this off. I requested my statements and i have a couple of questions. Can i claim the card repayment protector and any part of the monthly interest that they charged and also i thought that the account was closed in nov 05 but i have statements running up to the current date with a balance or £654.67(although it states that no payment is requirted. Any help with this would be greatly appreciated.

Maybe have a look at confidentialaccess.com !!

Hi everyone, just back from holiday and AQ needs to be in before 16th july. Here is a copy of HSBC Defence. 1. The claimants account is governed by the defendants personal and/or business banking terms and conditions. 2. Pursuant to the defendants terms and conditions the defendant is entitled to make charge for its services set out in the defendants price list, including an overdraft review fee for considering whether to provide and providing overdreaft. 3. The defendant denies the charge that the charges applied to the claimants account amount to penalties at common law and/or unfair contract terms for the purposes of the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCRs). 4. The charges applied to the claimants account are reasonable and are properly and fully disclosed in the defendants terms and conditions and published price list. The charges the contractually agreed price for the services provided and the UTCCRs are not applicable to them; alternatively, they are not unfair contrary to the UTCCRs. Further, the charges are not default charges and, accordingly, cannot amount to a penalty. 5. Save as set out above, each and every allegation made by the claimant is denied. For the reasons set out above, it is denied that the claimant is entitled to the relief claimed or any relief. Is this a standard defence? The part about the charges not being default charges worry me slightly. Do i just send the AQ back with the draft and the send a nudge to DG? Thanks for any help.

Just received AQ. Looks fairly straight forward. Do i need to send any other information with this ie court bundle? Or do i just send AQ and draft order for directions. Many thanks in advance for any help with this.

Thanks Livelylad, Will keep you posted.

Spoke to court who said that it was sent out 27th june. Still not received and there is a postal strike today! I am going on holiday sunday for 1 week, does this give me enough time to respond?