Cheers Andy, Great help

Hello, Mods please move or delete this thread if in the wrong section? I took a company to court over 8 years ago, I won, but the company went into liquidation before paying. I understand that the fscs offer some for of help in these situations? But they do require a lot of paperwork , which I no longer have. Is there anyway I can request copies of paperwork from the court hearing? Does anyone know how I would go about it. Thanks

Many thanks sgtbush for clearing that up

I have recently returned from Cuba, it was a fantastic holiday that was only spoilt by a loss of 2 days. When we booked it we was due to fly to Havana, Spend a couple of nights there, then fly on to Cayo coco, using an internal flight. Spend 14 nights then fly back to Havana for an overnight stay then Havana to Gatwick.. The internal flight time was 45 mins. 3 days before our holiday we were contacted by our holiday company stating that because of a recent airplane crash at Havana they would not be using any internal flights.? Which is fine, safety first etc.! The holiday company said that they would be giving us a private car and we will be driven to our destination. It was a taxi. I asked how long this would take to which they replied ' oh about 4 hour's.? There was no other alternative offered. The journey from Havana to cayo coco took 8 hours...! With the same again on the return. We basically lost 2 days due to travelling. Have I got a case for some compensation?

Hello all, Mods please move if in the wrong section? About 8 years ago I had a Debt Relief order against me. I've recently decided to contact all the financial companies I had dealings with and see if I was miss sold PPI any form? I have had Barclays admit they mis sold PPI and compensate me £1075 Hsbc I've not had a reply from yet? However capitol one have stated that they are making a redress payment to me of £ 60:45. Today I got a letter from capitol one saying that they have refunded the full amount and that it was Added to my account to reduce the debt owed to capitol one .....? Can they do that? I thought the debt was written off when I got a DRO ? Any advice appreciated

Hello all, it's been 12 years since I visited this forum. I am wondering if I have anywhere to go with this, or should it just be forgotten about.? It's regarding a company called Regency mortgage (brokers)& PPI For the sum £1575 I'm not going to go through it all again in this thread, as you can see my previous one on the subject from back in the day here https://www.consumeractiongroup.co.u...td-amp-Regency I am unable to post link's as I'm a new member (well new name as i couldn't remember any details) Since that original post, I have taken Regency mortgage (brokers) to court (ilford county) The magistrate awarded in our favour and gave them 7 days to refund the premium. On the 7th day a letter came, not with a cheque, but informing us that the company had now gone into receivership. I ended up losing my house, because of not one, but a number of major factors, and Regency Mortgage were part of that? Is there anything that can be done or has all hope gone on this one? Thanks for reading

Thanks BW, I think this is the avenue i wish to approach this by:grin:

Thank you all very much for your replies! Appologies for not beign able to reply to your suggestions sooner, but have had a number of problems with P.C. Looking at what everyone has said, the best course of action he can now take is to go to B&Q and make them deal with it, and in the meantime make sure he dosent pay anything like this again... cheers again all.

Hello all, My mate has recieved a parking ticket from a company called Parking Eye, for overstaying the allowed time within a B&Q carpark. He recived photo evidence of his car entering at 10.17 and alledgedly leaving at 13.38. He contacted the company and because he couldnt prove that he was in the carpark on a number of times that day, he ended up in a row with the person on the telephone. He ended up paying the fine of £50.00 because he could not find any reciepts? He has now found the reciepts, and this is what they show: Purchase of 5 items at 10.40 (which would coincide with the photo of him entering the car park at 10.17. Then at around 13.00 he again went back in there to purchase another item, but this was no good and had to return this , he has a reciept for the refund at 17.45, the reason he hasnt got the original purchase reciept is they took that off him and gave him a refund reciept at the time above. Is there anyway he can now demand a refund from Parking Eye? and is there a template available? Should he contact B&Q and ask for a copy of the original reciept? Any help would be greatly appreciated. thanks

Yes please, count me in on these Loads of letters, phone calls and texts explaining that my account is overdue (1 day) and they are now defaulting me Thanks

Thank you, i will adjust the template wording for this. This is going out first thing in the morning, i know thats its before the end of the timeline set out by them for the Default Notice. This is one of the reasons im sending out the SAR early because i have not got all the statements so i cannot calculate any of the charges or how much the PPI was? Many thanks for your help!

Many thanks to everyone who has replied so far. Just want to get things right before i go ahead and send out the letters. Really stupid question time again here, sorry? I can send the CCA with the s77 changed to s78, leaving the numbers in brackets as they are? Can i also send the SAR even though, please correct me if im wrong, they have 40 days to respond to the SAR, but i only have until 25/06/09 to pay the outstanding balance in full? Thanks

On the CCA in the template Library, this version http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter As this is a running account , ie credit card it states to change from s77(1) to s78. Really stupid question here, do i also change that in paragraph two:-?:-? Also what about the numbers in brackets ? Just about to do the letter and dont want tomake any mistakes? Thanks

I have, as i said in my OP, that ive been on a payment plan for around 2yrs, but i have only missed the payment Due on 26th May? So i am unsure how i stand with this? As i was on a PP are they correct in making the demands or full payment? In the Default Notice it states: "This is a statutory notice in order to tell you that in order to remedy this breach you must pay the full amount of your oustanding balance of £2747.68 by 25/06/09" *if not* "On or after the date shown your account will be closed and your credit agreement will be terminated" They also state in the Default Notice that my card will be stopped....but this was cut up and sent back to them, on their request over 18 months ago maybe longer (as soon as i stared to get into difficulty)? I hope so as this is really troubling me:-?

Cheers for that, and will NOT sign the letter. Is it possible that they are demanding the full balance within this time because i have been on a payment plan for such a long time? any ideas? Well i have the inception date of the PPI (who declined to pay out) that says 8th April 2005, i am asuming that this was when the credit card was taken out? Pompeyfaith, i hope that they have made a mistake here!!

Oh thats a downer straight away:( Now that sounds interesting Outsanding is £2747.68 & the limit was £3500.00 If the charges would arise in the "interest" then no is the answere, sorry to be vague but i really dont understand this thb. The agreement i had with them was, as i said in my OP, paid on time every month for the last 2 years, they had stopped interest as far as i can see from the statements i have? Will do that tonight and send it off r/d tommorow, whats a comms log, H? and also how would i word that using the SAR template? Would this be the correct CCA template to use also? http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter thanks for your help, its really apprecaited

So in reality Alan, what would happen next? and can i still send them a SAR & CCA? Not trying in anyway to "teach you to suck eggs" but when i get to the link if i double click it it comes up clear, or this perhaps because i have uploaded it? I hope there is something that can be picked up on here Thanks for your help so far .

Yes sorry about that im trying to get things sorted with the image size at the moment. H, im unsure if there has been penalty charges on the account as yet? Thank you Edit**:Is this any better via imageshack?

Hello Alan, Many thanks for your reply. I have attached the Default Notice for you to view, do you see anything incorrect about it? They require the full outstanding amount by 26-06-09, is there still enough time for me to be able to SAR & CCA them? Thank you.

Hello all, I have recieved a default notice today from MBNA for the sum of £2747.00. I had been paying a monthly payment plan of £31.00 for the last 2 years, as i have been out of work due to ill health. Since being on this plan i had not missed a payment until last month (May) which should have been paid on the 26th. I have had to continually borrow money in order to pay this debt, as i could only afford, realistically £10.00 pm, but MBNA would not accept that and finaly pushed me into paying the sum of £31.00. All my other creditors have been fine, and were at the time of the start of my illness agreed payment plans of between £5.00 and £10.00pm, again all of which have not been missed. As ive said , when the payment due in may was missed after continuous phones, telling me "to borrow the money from anyone i could or this debt will be sold off", i recieved a letter from MBNA, it was a statement showing payment recieved £0.00, and also included, a leaflet on borrowing more money from another company in order to consolidate all my debts?, out of anger this was torn-up and thrown away! Basically what i am asking is , "what do i do next"?...Is there anything that i can do.? I am not working still, due to my health. Any help would really be appreciated. Thank you in advance.

Yes report them, I just have and dont be too afraid if a letter turns up from their solicitors, they are called BRYAN CARTER & CO Fredrickson are nothing but bullies and will use any trick in the book to try to get money out of someone. Tell your mate to stick to his guns and send the letter "cerberusalert" had posted for you.

:-DWell Done Micko:grin: These people [eversheds] acting on behalf of gmac managed to get our house off me and my wife:mad: Give 'em one" from me mate please:lol: Sounds like you done your homework and was well prepared. They should have known better than to mess with someone from CAG..!

Sorry to "bump" this thread:( Is there anyone that could offer advice / help for him? Thankyou

Hello all, I have a thread going in Debt forum and it has been advised that i have it moved to this Legal forum. If there is a mod or "site team member that could possibly have the thread moved to here i would greatly appreciate it. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/185880-1st-credit-signed-credit.html I can provide further paperwork to back up my mates claim, he just basically needs some help on what his steps should be. Thanks in advance.

Thanks Mozzat6, Can one of the "mods" or "site time" please move this thread to the Legal Forum. Thank you