OMG - I Love it I'm just got back on site, and starting to learn new proceedures, and I do love this post number 8 about their obligations lol Good on ya, Has this now been concluded ??

Update on this case Logic passed the debt back to H3G, and then they sent Moorcroft C.A.R.S and Courtlink (uk) ltd after the debt C.A.R.S and Courtlink have exactly the same address and phone numbers, I am CERTAIN that the name is to frighten you into paying Well not in my case lol Follow further proceedings at the following link HUTCHISON 3 G

Hi and thank you both - Bookworm and Thailand So nice to come home to friends, even when its bad times, but not all bad Yes, I know the drill, Start ya own thread lol .... Hmmm how you do that lol (hugzzz) Yes one of the early ones, March 2006 to I think early 2007, OMG, you never believe whats happened since thou I am now a young(ish) Single girl on the prowl left my battering ex in Nov 2007, couldnt take it any more, so now going thru divorce and child custody battle (Long Story), So may need help on that now. I have a lot of catch up to do, so much has changed and now you have more and more forums open, So much easier when it was basically just bank and credit card charges However I learnt loads back then, and I was in a bad relationship, so I am now able to concentrate so much more and learn a hell of a lot more. Hugzzzzzzzzzzz Sophie xx

The Saga continues ............................................ Since my last posting, I have had the following DCA's after me 1st - Link 2nd - Moorcroft 3rd - C.A.R.S and Finally Courtlink (uk) Ltd This is the letter sent to Courtlink CEASE OR DESIST SEEK LEGAL ADVISE IMMEDIATELEY 14 Days to reply Dear Sir / Madam I recommend that you seek legal advice immediately, as if you do not know the consumer credit act, further action by your company and Hutchison 3G is UNENFORCEABLE. Three still have not proved that there was an actual contract in place, and I still have not received any reply back from my letter to Hutchison 3G dated 28th October 2006, so the matter is closed. I also suggest that you remove ALL contact information from your database/s, as you are committing a criminal act by storing my details in any format in your premises. You will be subject to a Data protection subject request, at any time when I please, so if I find out then that you still have information about me on your systems you will taken to court. YOU ARE UNDER NO CIRCUMSTANCES TO PASS ON MY DETAILS TO ANY OTHER COMPANY, DOING SO WILL RESULT IN COURT ACTION BEING TAKEN AGAINST YOUR COMPANY AND ANY OTHER COMPANY WITHIN YOUR GROUP. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. In the meantime please be aware that I consider this matter to be “CLOSED”. Unless Courtlink and C.A.R.S wish to be taken to court for harassment, distress and infringement of the DATA protection Act, I suggest that you confirm that the account and files have been closed once and for all by your company/s and by Hutchison 3G, you have 14 days to confirm this by letter, after which time if no letter has been received, legal action will be taken against Hutchison 3G, Courtlink and C.A.R.S for the sum of £2000 from each company. Yours faithfully I have also sent the following to Hutchison 3G FINAL WARNING COURT ACTION PROCEEDING 14 DAYS TO COMPLY AND RESPOND Dear Sir / Madam Re – Moorcroft / C.A.R.S and Courtlink (UK) Ltd – Debt collection agencies (DCA’s) Any further communication in relation the alleged account / debt with your company, and even any demands from your company, I will be instigating legal action against Hutchison 3G with no further communication The action which I will be taking will be – Harassment, distress and Data protection act infringements, and I will be suing your company for no less the £1000 for each offence. I have evidence to provide at court, I am able to prove that I have done my best to sort this situation out, you are unable to provide conclusive evidence to what I actually signed, and I do not press a key on a phone to sign a contract, that sort of contract could have been taken out by anyone (Identity fraud). You have failed to provide me with a “TRUE signed agreement & Deed of assignments” of this alleged account / debt, and as you have failed in doing so for 2 years, this account is deemed closed and unenforceable. This action taken by myself will be vigoursly defended in court with evidence to back every stage of action that I have taken and further evidence which I hold against your company, which will be available in court proceedings. Therefore may I suggest that you close the alleged account and cease ALL actions with immediate effect, you have 14 days to comply, and to write confirming that such action has been taken, so not to cause further harassment, distress and Data protection infringements against myself, if no confirmation has been received, I will have no alternative but to start court action. Yours Sincerely, ____________________________________ Well these are being sent off today, lets see what they have to say this time .....

If they have not got the Agreement, Then you do not settle with Link Financial What usually happens (in my cases) is that they will check with the original creditor for the agreement If the original creditor has not got the Agreement, NOTE - TRUE SIGNED COPY of the ORIGINAL neither can Link or the original creditor enforce the debt. MODERATORS (If the legalities have changed, please correct me, as far as I am aware, and how my case/s continue to go, This still stands)

Hiya everyone, well here I am again Must be loads of new faces around, and some of the old faces still hanging on and still offering great advice and assistance. MBNA are being stupid, Hutchison 3G are being pratish, so here I am again to gather more info and get clued up on the new legalities of action against these idiots. Don't they know NOT to mess around with me yet ??????? ;) They soon will thou, as apart from the ones I named above, the rest are laying down and taking the flack from me, and accept the repayment plans that I offer. Well, After all my cases that I had, I actually reclaimed or had wiped was a total of £26,620 in 21 cases, NOT all mine, but some mates too Love to hear from some of the peeps that helped before, love to catch up Hugzzzz Sophie-Jane - The Trucker Girl

Huntingdon County Court - Telephoned this morning, All claims are being automatically stayed until OFT case is concluded

Another Settled, even with the Strike out they were aiming for Suppose, because they requested the strike out to be Out of Court, and when the judge decided, that it would be heard in court they decided to Settle rather than fight. Tell you this, its a steep learning curve, and I was worried, But thanks to CJ, It worked out for the best Thanks CJ Regards Sophie

I've decided not to contest, with the other problems I mentioned in the PM to you Barclays Litigation team have been in touch, and will be writing to my friend, even thou, I've told Barclays that I will be dealing with it even if they do send it to my friend, I've got till the end of the month to get this sorted. If they do not settle, I will just re-issue this claim, but this time with the right info Silly me, Lesson learned - the hard way, or Barclays being Arogant again Sorry, I do not like Barclays in any way shape or form, even more so now. Thanks Sophie

Hi - Been a while I am in the process of a claim for a friend When I asked at the court about signing the form, they said it was ok to sign as a "Litigation friend" as my friend was not there Now I have found out after receiving a notice from court "Notice of Hearing of Application" Barclays have applied to Strike out The Statement of Case in Accordance with Cpr3.4© I have found out now, that with my claim I should of completed Form N235, which I was never advised about, and in this case, it would not apply anyway, as my frind is neither a child or a Patient. I do not know where to go now, do I cancel the case, and start again, or do I go to the hearing on 25th June and plead my case, that I signed in good faith and with authority from my friend, and lack of knowledge of court form proceedures ?? HELP please I'm scared as I also read that I could of committed and criminal act, and could face a custodial Regards Sophie-Jane

Hi Everyone Sorry Its Been a while I have a letter from Goldfish - Friends account Now it states on this letter "We will not reinburse interest on these amounts as Goldfish allocate your Payments to Pay the Charges before the charges and therefore would not of incurred interest on the charges" Now I almost fell for this Con, Ok they allocate the payment to the Charge, but then you are not paying off the balance. Which means you would be incurring Interest on the Balance which you would not of incurred interest on. So basically, they are trying to get out of paying the interest which they have had in the charges or the reduced payment AM I Right ------------- Or Am I wrong Please advise

Update Barclaycard or should I say Barclays, settled this case, just over 1 week from the actual court date Now I have a new claim, which I have sent off to Barclaycard, as I have learned how interest is calculated and also I am claiming for administration costs Just waiting for their reply

Hi Everyone Been very busy and offline quite alot recently I sent off a letter to the courts, but made a mistake on the claim number, and as a result, I cancelled the claim There is a new claim in the system now, now with more information, and knowledge, I have increased the Claim to include interest on the charges and my administration costs involved in bringing this claim to court. Of course they are defending, now I'm just waiting for the court date etc

Hi Lucaloo I am glad that my thread has helped you As long as you keep to the time scales and the template letters which adjusted to your needs, you should have no probs So its not HOPE it is WILL

Sorry for the delay in responding, been ever so busy 22nd September 2006 Settled - NO Conditions Full amount of claim in Account _____________________ Dear Madam Further to your letter dated 14 September, our client has decided to refund you the whole amount of your claim for commercial reasons, without any admission of liability. Your claim therefore has been settled in full and we should be grateful if you would write to the court to confirm that this matter has been settled. Yours faithfully Martineau Johnson ____________ Wrote back stating will contact Courts, only once payment is in bank. Sent Fax to Court 23rd - Settled in full

I know that I had to send documentation to the Defence and Court, do the defence have to send theirs, or is the defence the paperwork I already have from the court which states their defence

Well its all done The Documentation is all sent, to the Defence and to the court Should of calculated that additional costs onto the claim, maybe if it went to court, they would add the additional costs involved onto my case, but since they will most prob settle prior to cosrt, I suppose i have lost these additional costs??

Thanks Bookworm Well its all done The Documentation is all sent, to the Defence and to the court Should of calculated that additional costs onto the claim, maybe if it went to court, they would add the additional costs involved onto my case, but since they will most prob settle prior to cosrt, I suppose i have lost these additional costs??

Thanks Bookworm It seems that when I was in the stages with my claims, they responded to Faxes But Now, they are ignoring them So I am sending all letters for future claims by recorded / signed for, that way, I am able to check and know if and when they received the letters Good points to everyone Just Barclays just want to play at their silly delay tactics

Thank you Essjaysea and Deadsquirrel I understand about sending registered post, and have done on many occassions Seems like I will have to continue to send by Registered mail, and know they have received my letters Thanks again

Hi Everyone Can anyone enlighten me Are Barclays delaying communication, I have sent several faxes of in different areas of the stages for family. But we are not getting even a letter back from Barclays Has anyone else experianced this ?? Anyone got a Fax Number, so I can check if my fax is sending correctly, then I would know if they have received my faxes My Fax is done by the computer, and as it uses the house land line, it is set not receive

Hi Mollymoo You are not forgotten, I'm watching I'm still waiting for them to contact me again, Oh well, the interest still piles on, so its costing them more

Hiya - Been a while since I wrote to you Just keep your head high, DO NOT BE FOBBED off with these standard letters Now - A&L will still not pay up on the LBA - So Once the deadline is up, File a Moneyclaim, You can do this online, but it does cost, Which you will get back when you win Ensure all documentation is correct, get advise off here to check if unsure Keep records upto date, this will save time later, when you refer back But Once the Claim is done, You will just have to wait for them to contact you, and they will most probably do that than go to court The reason for them avoiding court, is that they would have to prove that their charges are a TRUE representation of the charges they incur due to you going overdrawn etc. Which they will not do, as if they were not to prove they are a true representation of their costs, that would open the flood gates further, and also set a president on the charges. I will not say G$$% L*&£ as its not needed, Its your Money, Not theirs.

That is what I have done, and neither have come up with the goods - CCA 1974 Act

Hi John I will not say G.... L... Its not needed, we have the Courts on our side, and the knowledge that they will most probably not attend court anyhow Just be patient, Lloyds Will hang it out, not sure about NR, as had no dealings there - Just Yet