Hi All, In the Small Claims Questionnaire "Other information" that Cleggs have sent me says "We request the court give the standard directions for hearing with a time estimate of 3 hours" What exactly does that mean? On my form that I send to the court and Cleggs, can I write in there that I have requested clarification of why they think the outstanding balance is £1500 when a statement sent my WF says £414? I've also asked them for a breakdown of why they think the charges are acceptable, which is yet to be supplied. Can I add this in that "other information" part? What about the fact that I offered them the opportunity to avoid the court action? Or will all this come later? Thanks xx

[ATTACH=CONFIG]48177[/ATTACH] Statement from loan start date..... Letters - most was done over the phone in the beginning. Only recently have letters been sent, but I have all of them still Need to fill in the questionnaire that goes with counterclaim. Hopefully there is a point on there that I can explain to the court that their counter claim is wrong.

Thanks Brig. Explains it a lot I shall contact the Original Creditor and see if they can report it as one entry x

I have finally convinced these guys that I am who I say I am and have access to my file. This has been a long uphill struggle as I have moved house a lot since I held a lot of my credit accounts. Anyway, I have a couple of questions. 1) Barclaycard and Lowells are reporting the same debt twice, is this allowed? They appear to be different debts as they are slightly different dates but the amounts all tie in with the amounts that Lowell and Barclaycard confirmed were owing at the time when it was transferred to Lowells. I have reclaimed my charges on this account and both are marked as satisfied however it looks like I have defaulted twice, when I haven't. 2) Quickquid (I know!) have entered 7 entries on my file despite me only having one loan from them, and extending it by one month. Again is this allowed? Surely they can't just fabricate these things? Thanks.

Hi Dx, Tomorrow I can as they are in the office. Will remember this time!! No, although not a brilliant excuse I had was only 20 at the time and had no idea what to do. I didn't know I could contest it or any of the charges added, I just filled in my I&E form and sent it off, the court ordered me to pay £35 per week (i was being paid weekly at that stage). Thanks x

I am unsure what you need to know? I had a loan in 2007, which was defaulted (date unknown off the top of my head). They took out a CCJ February 2009, for £5930 against me and I paid weekly amounts of £35. To date I have paid £4700 towards a £2000 which should have cost me just over £3000. The amount outstanding, as per the statement WF sent me is £414. Do you need to know anything else? Thanks Dx. Appreciate your help and apologies if I have missed anything important.

First time yes. The second time no, they admitted it was an admin error at the time however they are now denying it. The second one was an attachment of earnings, which was never gained (is that the correct terminology?) I rang up and asked why they had done it and they removed it straight away. I have added the CCJ claim as as far as I can see they wouldn't have needed it if they hadn't added the charges on. Am I correct?! Or have I totally wrecked my chances? All of this has caused me a lot of stress over recent years, especially their debt collection tactics and general depth of debt that I just want the debt gone now, and some form of correction on my file as I've paid £4700 to them yet they still tell their solicitors to counter claim for circa £1570 :-/ Thanks Dx for your help.

So the solicitors have gone quiet since I asked about the difference in figures owing, despite a chasing email sent yesterday? What do I do now? They have filed the defence, do I just wait for a date? Not sure what to do on this one! Any help appreciated

Take three millioN!!! Should now be attached

Hi All, I have been have been a bit pants recently. I have sent of the court claim with the spread sheet and have received a counter claim for the full balance. Problem is that the counter claim is for the amount owing before the PPI refund. This has been applied to my account and their counter claim is for £1157 yet the amount owing is £414.60. I have an email address for the solictors (Cleggs) and have pointed this out to them. I have also attached, as per Dx request months ago, my spreadsheet for you. Sorry I didn't see the post Thanks.

If your landlord forfeits the lease (which changing of the locks could be seen as, although they would need to have given you warning) they forfeit the right to any outstanding monies owed. The landlord becomes responsible for rates etc as of the day they changed the locks, but doesn't take possession of the items inside the buildings that aren't If there isn't a written agreement however you will technically responsible for the building up until lease end date. If the LL changed the locks but didn't give you warning of impending action then surely you have a case against them for quiet enjoyment or similar? As you were unable to gain access to the premises that you have the lease on? Read the terms of your lease and what rights the Landlord has re.access during the lease. This will all be covered in it somehow, it's just a case of reading it and interpreting it I'm afraid!!

Another thing.....sorry guys! I have noticed on the SAR that they were asked to remove my work number off their records, it says they have done and yet two days later they have called it again. Surely this isn't on as they'd been told I was available on that number yet still insisted on calling it... .is there any precedence, statute etc that I can quote about this? x

Had the response. They've offered to credit my account with about £240. These are the only charges which are unjustifiable apparently. Can I reject this offer and take them to court? Do I need to formally reject it i.e. send them a letter saying I am not prepared to accept it and that they have 14 days to respond otherwise I am starting small claims proceedings? Or do I just hit them with the court claim? They seem to have missed the point on which they've already credited my account with the PPI premium and keep advising me to speak to FSCS. Thank you for all your help so far xx

Have just broken the golden rule and called them. Spoke to a lovely boy called Ed who said they responded on 19th August and asked if I'd received it, errrr would I be making this phone call if I had?! He did laugh slightly at that. Anyway, he is resending the response, which he said was in my favour. Let's see what measly sum they have offered me :-/ xx

Nope, no response on the charges reclaim. That was what the email about not having the correct address was about, I think. I've told them if there is no offer of compensation by Friday, court papers were being submitted. They've had plenty of time now. From the email, and what you've said, I assume that it isn't FSCS dealing with that part? When they sent me the SAR they included two statements - one with the PPI premium included on the original sum lent (£1500 still owing) and another without the PPI premium on (leaving £414 owing). That means that really the PPI claim is irrelevant as they've already refunded it to me, and the FSCS are wasting their time slightly. Their admin ineptness not mine so they can continue to do so!! I would also read that as them admitting defeat and saying that they will refund (by way of removing the premium from remaining arrears) the PPI without me making a claim......? Currently the amount being claimed is around £8000, so the fact that the PPI is removed off the current arrears doesn't make much of a dent in the claim

Just received the following from Cattles/WF... "Thank you for your recent email to Welcome Financial Services Ltd. On 2 March 2011, the Financial Services Compensation Scheme ("FSCS") took the decision to declare WFS in default after considering that WFS was unable, or likely to be unable, to pay claims against it made by policyholders. I have forwarded your email onto the FSCS team responsible for handling Welcome Finance claims who will be in touch with you shortly. Should you have any further queries in the meantime, they can be contacted on 0845 373 0386 or claimanthelp@cattles.co.uk." Does this email scupper my chances of getting my money back? They also sent me another email yesterday saying that they didn't have the correct address for me and that I needed to confirm my identity, I refrained from replying "LOL!" as they've already tried that one with me AND sent me the SAR to my address. Any advice on whether I just crack on and take them to court? They've had more than enough time now to send me a more substantial reply! xx

Having researched this as part of my job they normally pay the landowner or tenant (whoever employs them) something. The contracts are negotiated on an individual basis. Do you really think that the likes of Welcome Break, the Government, all the money grabbers are going to be letting them get paid for something that they could also get paid for???

I think (correct me if I'm wrong here) that at a service station the chains are franchises so the employees you were talking to are employed by Welcome Break, not KFC or WHSmith. That was certainly the case at the one I used to work in. Parking Eye works that the account holder gets a percentage of each fine paid. If it isn't paid, then the account holder doesn't get a percentage. So the company (say Welcome Break) pays a monthly invoice based on how many parking fines are issued. So I doubt they are paying business rates no, as they are employed by Welcome Break or whoever to operate on the site and so do not operate their business as such. I imagine it is similar to a gardener gardening for you, you are paying him to provide a service on your land and so he does not pay business rates on the premises. That's my understanding of that part of it anyway. There is a self ticketing system you can use whereby you issue the ticket, take a picture of the car reg and the ticket in situ and send it to them via your account online. They then process the "invoice" and you sit back and hope you've duped someone. If you go on their website there is a customer login area where you can do this. I had to investigate this for some tenants parking in each others spaces on an industrial estate, apologies I went to the dark side briefly, and had to hold my tongue when threatening them with these tickets that actually they weren't really worth the paper they were written on!!!!xx

Hi Shutmeup, There is no debt left, I have paid it all back, but because Lowells (or whoever!) have not been reporting it since 2011 (I bought the balance to zero July 2012) it showed as owing money for an extra year than it should have. It has suddenly been updated August 2013 since I made the fuss with Barclaycard about the mis-information on my report. This seems fishy to me, B/C are adamant they do not own it though yet as I say, suddenly since the claim being started miraculously its been updated and the balance shows zero for the first time in years! If they really have sold it, they won't have any power to do so, and if there is no debt to buy back I'm not sure what I can do! For some reason I have had difficulties in getting Equifax and Callcredit to believe me that I am me...!! Even when I called Equifax up to ask how to prove it. Thanks all xx

Oh yes have checked again today. Last time I checked, however, it hadn't been updated since 2011, it has now been updated this month. So someone is updating the entry. Let's seem what my new Barclays Paralegal mate has to say for himself today. Thanks Slick, for all your helps so far!xx

Response received.... "I have had confirmation from the Barclaycard CRA team that the only marker showing on you Barclaycard account ******** is a marker dated 17/08/2011 stating that your account was sold to a 3rd party. As the Barclaycard reference relates only to the factual statement that your account was sold, and we are not currently reporting any defaults, there is nothing for Barclaycard to remove from your record. If you have a copy of your credit file that contradicts the above please provide me with a copy and I would be happy to look into it further. Kind regards" Yet it is still showing as Barclaycard on my CRA. No mention of Lowells, even when I called Experian up and asked for a ref to Lowells there was none, even when I gave ALL of my past addresses etc (even though Lowells had none of them!) What do to??xx

Default amount is £400ish, total reclaim is £815.57. I was quite careful in how I worded it, using "consider accepting", "subject to confirmation of removal of default". Don't worry. I have come this far and won't be letting them get away with it too easily!x

Yes, I told them I would not consider accepting it until they confirmed what they intend to do with regards to correcting my Credit Report. The silence has been deafening!!!

I have written to them telling them that as they have ignored my request to update me Credit File I can't accept the offer. They have replied saying that they will have to go and "discuss" this with his colleague....this was yesterday. We shall see

Hi, How would a company report to a CRA the information? Could a landlord managing agent do it? How would they go about doing that? I assume you have to register with a CRA or employ a debt collection agency? Thanks.