Hi elsa ,

i do believe it is . I have also seen it on on the old system but cannot on the new one .

I just changed my number and did ex directory and carefull where i dished out the new number .

Sorry i cant help any more 8-)

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HELLO anyone tried a full and final with provident , ive tried on behalf of my partner whos suffering financially , is a carer so not earning millions , and outstanding balance is £350 .

i sent of a f&f letter and cheque for £200 and twice they have pushed the cheque through the door without so much as a scribble .

i thought i was being very generous

i have explained she cannot afford it etc

i sent the f and f to the local office as opposed to the head office should i try that .

no doubt they ll threaten a dca namely their in house one , and i ve thought about just telling them to take us to court and pay the £200 into the court so it would help , and they would look a bit silly i think .any help would be appreciated thankyou

sorry to be off topic

but why does the statute barred exist when things like this below happen , so why cant we also claim back further in time The MoD, the arms deal and a 30-year-old bill for £400m - Home News, UK - The Independent

where s me mug come on now

ok roller coaster so far , mcs apealled , had order to amend poc this i done even though i received the order 4days before it was due , managed to send of two days before due day via guaranteed delivery , had a letter saying it was struck out because i failed to get the amended poc in on time , tosh , sent letter asking for a re refferal after tel them and complaining big time , i am trying to believe it was because they have a large backlog and not some sinister reason my mind says on odd ocassions .

done re refferal together with copies of postage etc and copies of their envelopes clearly dated , fingers crossed

court date may 24ish had hearing ref amended poc , the fc didnt show kel surprize, judge asked if i wanted this to be a test case ? did shake my head to that , was asked to make my poc shorter , done hearing fee s paid tried to get some relief on those managed £55 off

yes i think that would be a good idea if Cag could produce an ugly type oscar and presented it to the national television stations and say it is the OSCAR FOR THE WORST GOVERMENT RUN ORGANISATION AND WASTED TAXPAYERS MONEY

HA NOMINATION SECONDED

Lifetime Acheivement Award Goes To ?

WRITING (ORIGINAL SCREENPLAY)

worst surpporting actor = THE FOS

i truthfully cant see the point in complaining to the FOS the only complaint that needs be made is to some other authority that the FOS are unfit for purpose ..i wonder if trading standards would look at it lol or even the FSA o FSA wont as they only deal with Major complaints it helps them waste goverment money our taxes...so newspapers are the only ones this way the FOS may be forced to act in a fit and proper manner

yes i agree patricq1 , would be nice to do a petition and send or present this to them cag oscar

i know that the amount i am claiming is not life changing but ref a dca chasing you while your accounts in dispute is .

for them to think they can opperate outside of all the rules and regs etc and if the same company did try and get a dca on the case whilslt my accounts are in a clear dispute , a number of times with a number of dca s it all adds up to a lot of letter writing.

if i manage to win against this lot i will have a further 7 to chase . and chase i will

although i am sure being mcs s local cc they find fault or deliver papers a day before a reply is needed as thay seem to keep doing , so i scan all envelopes and copy and send these to the court also ,to cover ones bottom .

i feel like i am jumping through hoops

3 copies of application notice done 3 n1 s done as well as all claim details and evidence done took all to the court . they informed me the district judge will look at the amended poc etc today paid the fee so tfc here i come hopefully although i bet the court ll find a reason even though i triple checked it all

Ok have done amended poc and re sent via overnight delivery , be there for 1pm tom , re done the N1 , was informed by bcc no further fee applies but did copy the original online claim form as well as a covering letter

done a application notice also etc sent three copies of all and sent a copy to mcs

I PUT A COPY OF THE BIRM ACKNOWLEDGEMENT OF TRANSFER FOR ENFORCEMENT http://i707.photobucket.com/albums/ww74/charley22123/img062.jpg

hello postggi , thanks for the reply ok word for word because as you know your only allowed a certain amount

MY CLAIM IS FOR RESEARCH AND REPLY LETTERS TO MCS AS PER THEIR REQUEST DATED 5TH OF OCTOBER INVITING SAID RESEARCH AND REPLY LETTERS.

MY REPLY DETAILED MY COSTS AND W/END COSTS THAT ARE DOUBLE.

THAT THEY ARE ALSO IN DIRECT CONTRADICTION OF THE OFFICE OF FAIR TRADING S GUIDELINES TO WHICH THEY PRESCRIBE TO IN THE GRANTING OF SAID LICENCE TO MCS, AND THAT THEIR REPLY OF THE 5TH OCTOBER RE-ENFORCED BY WAY OF AN APOLOGY, ALSO THEY CONTINUED TO INVITE FURTHER RESEARCH AND REPLY LETTERS BY ME FROM THEIR LETTERS OF 23SEPT 5TH OCT 16TH OCT 5TH NOV 16TH OF NOVEMBER RESPECTIVELY.

MY FINAL DEMANDS OF THE 5TH OCT 20 TH OCT AND 13TH OF NOV HAVE NOT BEEN PAID.

obv bec my account was and still is in dispute ref hsbc it was and still is with the fos , so they in no way should attempt collection if i am right , and my first reply to them stated my costs for my letters ,

i have whilst at work drafted a fresh poc , well 2 diff versions short and long . any help postggi would be most gratefull

sorry i never replied yest as was in bed for early shift today

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good post auntie , the fos are a total waste of time , they pay lip service to the media with their results tables etc

i have a few cases with em at the mo , bc cap 1 and hsbc only received responses ref my hsbc claim and then they have totally confused the situation by splitting the claim up just to confuse even more , and so far they agree with hsbc , after 23 yrs of being with them they have managed to investigate in five mins .

ok so i need to fill in a n244 as well as a n1 with the amended poc , can i change it by much or all inc claim amount i have since written several more r&r letters back so need to up the claim amount .

fee for this ? £30

also n271 for a transfer of proceedings to my court or should i wait for the allocation questionaire , i believe there is a bit covered in that for a transfer ?

i just knew that because its this particular dca home court it would be dare i say bias because they use this one a lot i guess

i have a disputed account with hsbc since last year , i put it in the hands of the fos , but hsbc put a dca on the case . so i replied to there letters telling them i charge for my research and replies , they kept writing etc so i sent them a final demand for my r&r letters and issued a mcol .for £225 worded the claim form ok etc

any how i by mis stake entered online on the request judgement form i think sec B where is state s

THE DEFENDANT ADMITS THAT ALL THE MONEY IS OWED i ticked online by accident,

any way i eventually get a letter asking if i did it by accident etc to which i redone the form twice and sent one via recorded and one normal post ,

and apologised for my error .

and eventually i was awarded judgement , and the case was transfered to their local court birmingham for enforcement

i then receive a application notice for it to be set aside . i got this 2 days before the hearing , so i contacted the court and was told to submit my reasons for being against this via e mail to which i did

there reason for wishing for the set aside was that they have real prospects of defending my case , and never had the opportunity of defending the case /

my reasons i stated that i accidently filled in the form online wrong and that they did have enough time to defend in the first place their sol a DG ha did call NCCBC to inform of the original mistake .

today i got this from birmingham

upon hearing the rep for the defendant

IT IS ORDERED THAT

1 ?JUDGEMENT SET ASIDE

2 THE CLAIMANT FILE AND SERVE ON THE DEFENDANT AND THE COURT AMENDED PARTICULARS OF CLAIM DISCLOSING THE COURSE OF ACTION BY MARCH 3RD (i received today in the post sent yest )

3 IN DEFAULT OF AMENDED POC BEING FILED AND SERVED THE CLAIM SHALL BE STRUCK OUT

4 IN THE EVENT THAT THE CLAIMANT FILES AMENDED POC THEN THE DEFENDANT SHALL FILE AND SERVE ON THE CLAIMANT AND THE COURT A DEFENCE BY MARCH 17TH

5 THE CLAIMANT PAY THE DEFENDANTS COSTS ASSESSED IN THE SUM OF £105. 75

ok so i do realise ive stirred up a hornets nest with the dca who have put dg solicitors on the case but i would dearly love to shove it back in thier faces so any help would be good if possible please

not sure but double check please , i think the figure is 20 % of the debt

hi lordluca , maybe best to get a lower first offer in first and go from there , you never know they may accept thats if explained its all you /they have for a full and final settlement . good luck

try this

i think this is it

the u tube piece by huggy is a blinder laughed my socks off . superb