Still No money yet !! waiting ....waiting.....

Hi, Im not holding my breath but, in the post this morning is a letter (direct from Abbey and not there soliciters) offering to settle in full including costs. Ironic really as i spent hours on sunday putting together a court pack, oh well! rest assured as soon as the money has landed in my account I will post in the litigation concluded thread and make arrangments to pay the very well diserved 5% domantion. Andy

Hi, Just a short note to wish you luck. Its a long road but stick with it. I have recived a letter from Abbey today offering to settle in full (about time too) good luck Andy

thank you.. would you suggest that i print it out and add it, it does seem to relate more to credit cards rather than bank charges

Hi, Just got my pc fixed AGAIN!!! so im running a little behind. Im just prearing my bunlde for the court( due the 20th) and unless im being thick and cant see my hand in front of my face I think there is a bit missing. The last item on the index is OFT statment summary but i cant see that in the file ?? have i missed some thing ?? Andy

Hi All, Firstly thanks for the support.. sorrt it has taken longer to get back to you than i planned but im now useing a friends pc as mine has gone POP !! I need some extra help if poss.. this is the first chat room/forum I have ever used so I dont know how to PM somebody.. as for reading karnevil v abbey how do i find it and last but not least what is all the reading I have to do ?? what do I read and were do i find it...HELP drowing not waving !! however I am really looking forward to making a 5% donation.. this site is responsable for getting me this far and thats one bill I dont mind paying just sorry to sound like such a tecno idiot

Thank you guys i will have a read and get sorted over the weekend. This is the scary bit im getting bits of paper with stuff a simple lorry driver was never meant to understand.. I htink the internet maybe the bigest step towards a class less society... nothing is a secret anymore Andy

Hi, Experian have record of an old HFC account i had that is now settled. However I belife the default date to be wrong. I have set them the standard accses request (data protection) from the libary on 05/09/2006. On 14/09/2006 i recived a reply stating that they are happy to supply a statment of account free of charge and they returned my cheque. my problem is that they have not included the original agreement as requested and or details of charges. What I have is a screen print of dates and figures which I have no dought mean something to the accounts dept of HFC but sod all to me. I phoned HFC to complain as spoke the the lady who replied to my letter. she told me that they have had loads of letters from people "who have been using some web site to get there late charges back". She stated that she would send me a questionaire and if i return the cheque the information will be forthcomeing. No suprise to note that I have not heard from them... So, my question is what do I do next ?? If im honest I have to say that my reason for doing this is to find some way of having this account removed from my credit file soo all sugestions recived with thanks.. Andy

Hi All, After refusing the pityfull 50% offer I have today recived a letter from the court giving Notice of Alocation To The Fast Track. How ever the leter does make some requests which I do not understand IE 1, each party by 4.0 pm on 20th october 2006 give stantard disclosure to every other party by list. Any requests for inspection or copies of disclosed documents shall be made within 7 days after service of the list. 2, Each party by 4.00pm on 17th November 2006 by similtanious exchange serve on every other party the witness statments of the evidence on which that party intends to rely in relation to any issues of the fact to be decided at the trial, and any notices of intensio to rely on hearsay evidence WHAT DOES IT ALL MEAN ????? AND WHAT IF ANYTHING SHOULD I DO Andy

Hi, have recived a letter today from Abbeys soliciters offering me a 50% settlement of my claim. I know that this is standard practice and im not inclined to say yes but what is the correct proceduer do I A, Ignore the offer or B, Write back saying thanks but no thanks Andy

Hi All, I know I know you are warned that this is not easy but you can live in hope.. Abbey have entered a defence on the last day before i could ask for judgement. Bugger Andy

I suposse thats the problem with this sort of site.. How do i know whos advise to listen to and whosto ignore ??? Andy

thanks for that ,sounds like a plan to me Andy

Hi, I have been sent a photocopy of the original agreement but no statements or deed of asighnment. Would you advise writting again Andy

Hi all, I am sure i have read someting on here about how to have eneries on your credit file removed ( i now cant find it or was i dreaming) ??? I have a few old and settled accounts showing that i would like to make dissapear. Am I right in thinking that if i send a DPA letter and they cannot provide the information I can go to court and have them set aside ??? I also have a search from some dodggy loan company that i did not give permission for so do I deal with this the same way ?? Andy