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Hi, My Dad settled out of court. We recieved the total sum plus interest. they wanted us to sign a consent order with their terms, we re drafted the consent order, which they accepted. It took alot of time and effort to battle with them, butit was worth it in the end!!

Hi guys, My little sis got out a credit card when she was just 18 year old student.Anyway she was naive and spent all the money £1500, she never told us about it until my mum opened a letter from Halifax demanding payment. When they issued her with the credit card, it was not just one it was THREE!!!! They have since blacklisted her as of course she could not make all payments to the cards whilst not working. There has been much correspondance between us and Halifax about the debt, as they issued her three credit cards when she was not working and was basically very young, decieved her as she did not understand the terms. And of course, they have slapped on charges and interest. We are in dispute with them. Halifax assigned the debt to 1st credit, who repeatedly called the house sometimes 4 times a day, all hours (once 11pm at night) and at weekends. We sent a 'Harrasment by telephone letter', which subsided the calls for a bit. Then we got a letter from LCS solicitors (acting for 1st credit), sayng we must pay otherwise court proceedings. Throughout we are still in correspondance with Halifax. In May Halifax letter said, they are investigating the issues we raised and have we will recieve a full response. Last week, she received a 'Statutory demand' for payment. We can pay within 21 days or ask to be 'set aside'. How can they issue a stat demand if we are in dispute and correspondance and have been told by Halifax that they will send us a full response? Shall we set aside and go before a Judge? Please help!!

Yes, I agree. But what statute does it come under, is it the Sale of Goods?

Hi there guys, My brother bought some tickets for 'Wildchild' outside festival, from Wildchild website. It was to be held in Shoreditch Park. The organisers have now, changed the venue to Kings Cross and it is subsequently inside. There are no terms and conditions on the tickets or the website. What are his statutory rights?? Thanks x

Hi, thanks for your quick response. I dont know the logistics, but she did get a crime ref number gave it to the bank, the police are being so long this was over one year ago. The bank charged her for going overdrawn ( due to fraud) and put interest on top. If the charges and ibterest was taken off, there would be a very small amount to be paid. But the bank has passed it on to a debt company, probably because they can not be bothered with the correspondance. They pass it to so many different people there is no consistency. Where does it say it is unlawful for a bank to pass on a disputed debt?? Thanks again for your help. x

Hi guys, My friend had a Credit cad and is in dispute with the bank over charges etc and also card was stolen and money spent. anyway she is in dispute and has been in correspondance with them for some time. Then she gets a letter from a debt collection agency who say they have taken over the debt. Can banks sell the debt, if in dispute with a consumer I thought they were not allowed to- please help as i am helping er draft a letter to the wretched banks!! x

Dear All, Natwest have sent the cheque for full amount excl interest. When i spoke to their Group litigation section they said that because I did not include the actual amount of interest on the claim form, it is not included. Is this correct?? In the POC I put about interest pursuant to s69 Couty Court Act etc, but where you had to put a total amount i did not add interest. If I have done it wrong, do I now need to do a separate claim form for the interest??? I was thinking, if I do need to do a separate claim form, then maybe i should cash the cheque as if I dont and the OFt ruling stops us recovering all the money back at least I can recover the interest on the full amount?? Your help is much appreciated. xxx:)

Hi indebttoeveryone.. I have posted before, but I can not reiterate enough by saying please all who have Mackenzie Hall on their backs whether it is phising or otherwise send all details (ie copies of letters, phone conversations) to the OFT. The more complaints they recieve on top of ones they already have will add to the case- Address; Consumer Debt Division Office of Fair Trading Fleetbank House 2-6 Sailsbury Square London EC4Y 8JX x

Hi guys, A very brief run down... The claim consisits of charges which were on two accounts. My Dad has being trying to negotiaite with them for about two years in respect of the charges. The Banks defence is that an agreement was signed in respect to one of the accounts in full and final settlement which waived all legal rights and right to future challenges. Which of course is unfair under the UTCCR's. My Dads claim was issued online and allocated to Northhampton County Court, it was then transferred to Barnett County Court which is his local court. However when we were sent the Allocation Questionnaire it was then transferred to Clerkenwell County Court, we asked for an extension to submit and they granted it. The Bank solicitors then sent us an 'Without Prejudice' partial settlement, which did only included an under £10 amount for interest. I replied stating we would accept the offer on the one account, but would need written confirmation of the proper amount of interest which started from the date of the first charge AND still proceed with the claim for the other account. In the letter I stated why the defence was not sound under the legislation and also stated how the bank unjust and unfair practices towards its customers. And rattled on about how they were being adversarial to the CPR!! I then sent a copy to the court. Today he recieved a; 'General Form of Judgement' form which says upon review of the court file, District Judge Armon-Jones has now transferred the case to Central London County court. What does this mean and should we be worried??

Quote: Hi Rubynicola, Do you have any case reference number or anything like that for the OFTs case on MH. I'll like to complain about MH to the OFT as well as the trading standards. MH have been sending me letters for months claiming they were chasing up a few grand on behalf of Barclaycard which is a bit strange coz I've never had a Barclaycard and this is confirmed by Barclaycard themselves. Also Barclaycard has never heard of MH so it confirms that MH are a bunch of cowboys trying their luck. So far I've reframed from even talking to them coz I know that I'll only lose my temper with these cowboys ----------------------------------------------------------------- Have not got a reference, just send your complaint with all your details to the OFT and Trading standards. Dont talk to them, your doing the right thing!!!

Hi Johnny, I have reclaimed and helped friends reclaim with other institutions and I must warn you Bank of Cyprus is not the same. I think because they are on a much smaller scale than other banks they have not encountered the 'reclaim your charges' thing alot. You you get replies to your repayment and letter before action, but they dont know what they are writing or talking about. We had to give them extenstions on quite a few deadlines as well as there administration is very slow- a bit like life in Cyprus!! We proceeded to issue our claim form and Bank of Cyprus handed it over to Kennedys Solicitors. They made quite a few mistakes in there defence and we were quick to correct them. There defence totally defended there actions and what they have relied on is totally unenforceable and void. So I want to go to court to take them on!! They also sent a Part 18 request for more information, which is a delay and scare tactic. You dont have to submit any information to them I can help if you get this far. They submitted a offer the other day for a third of the total amount, which shows they are backing down. We are no way going to accept the offer, we want the full amount and interest plus all cost!! Any help im here- good luck!! Address to send letters; Bank Of Cyprus 87-93 Chase Side London N14 5BU Rubynicola

Dear All, I received a letter from Mackenzie Hall in November, the letter was a reduced settlement offer. It says that I owed BT Cellnet £12420.87, this was the first letter I received from Mackenzie Hall, despite stating they have made repeated requests for payment. I have never had an account with BT Cell net and certainly do not owe anyone £12,420.87, I decided to ring them but kept getting voicemail. I decided to call again, the first time I called I stated that I received a letter from them and I was put on hold before I could finish my sentence, the phone was then cut off. The second time I called I was asked for the reference number and put on hold straight away then cut off. The third time I called, I asked the lady to explain to me what the letter was regarding as there must be a huge mistake and said I want some answers otherwise I would be forwarding the letter to the Police. The lady then said; ' Don’t f**king tell me what to do, don’t be calling up threatening me, you better get a new attitude because I speak to you, I am not telling you anything' , she then hung up on me. I could not believe the attitude and manner the lady spoke to me. I then searched on here and saw the other posts and just ignored it. I then got another letter the other day saying HSBC debt and again it is a reduced settlement offer, which is a goodwill once only offer etc etc. Years ago an ex boyfriend took out a loan and I dont know if it has anything to do with him, its the only thing I can think of to do with HSBC I do not have an account with them, and have never recieved any letters from them until Mackenzie Hall. I find it all strange and distressing. They dont know I called as I gave them no reference number I told did a search on Google and found a lot of negative press on Mackenzie Hall, I also found out that the Office of Fair Trading is investigating them I sent all my documents into them, they are investigating them big time for a number of breaches and I signed a consent form so they could use my letter and info for evidence. All write to the Office of fair Trading and send your stuff the more complaints they have and can see it is widespread consumer detriment the balls will be rolling faster and hopefully sort Mackenzie Hall out once and for all. Address; Consumer Credit Debt Licensing Department Office of Fair Trading Fleetbank House 2-6 Sailsbury Square London EC4Y 8JX I am just going to see what happens, I reckon it is either statute barred or coming up to it as it was 2000-2001 cant remember and am not in contact with the ex anymore!!!

Thanks for the advice. I need to start the process with Lloyds to reclaim, I have been helping two friends with theres and what with xmas and new year I have neglected my own- so I wil start. Thanks again. Rubynicola xx

Hi Guys My Dad is claiming bank charges from Bank of Cyprus, it has taken ages to get this far and then do the claim form, but nevertheless we issues the claim form and they have submitted a defence and request for further information under PART 18; ' 1 In precise and comprehensive terms, please set out in what respects that the Defendant has breached: (a) Common law (b)Paragraph 8 and Schedule 2.1 (e) of the Unfair Terms in Consumer Contract Regulations 1999 © Section 15 of the Supply of Goods and Services Act 1982 2. The Claimant denies breaches as alleged of paragraph 8 and Schedule 2.1 (e) of the Unfair Terms in Consumer Contract Regulations 1999, (section 18 of the Supply of Goods and Services Act 1982 and section 2,5 and 6.4 of the Banking Code.' I dont know what to put and also i think they have made a mistake as they have put in part 2 The Claimant denies when it should be the defence???? ANY HELP WOULD BE SO MUCH APPRECIATED!! P.S WAITING FOR MY CHEQUE TO COME FROM NATWEST WHO ARE SETTLING £585!!!!!