Help on overdraft

[Fedoooo]

File attached

 

Thank you

[dx100uk]

yes you did it right

 

but forgot to take out pers details.

 

for future ref:

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[Fedoooo]

Hi dx

 

I received a letter from the lowlife solicitor now stating that they will be applying to court for CCJ on the 7th of April.

 

Letter also stated that I should notify them reason for non payment and that should get a legal help.

 

Pls advice what to do next.

 

Thanks for your help

[dx100uk]

does it say WILL?

 

read it carefully

 

dx

[Fedoooo]

Thanks dx The letter from D Carter does say they have been instructed by Fredrickson on behalf of lowlife to issue court proceeding on the 7th of April and that if I have any reason to dispute the debt should let them know with back up with documentation.

[dx100uk]

can we see the spreadsheet please

[Fedoooo]

Hi dx

 

 

Done as requested.

 

 

Thanks

[dx100uk]

you earlier posted a sheet going back to 2003?

 

 

for the minute ignore the 6yrs rule

put in EVERY PENALTY CHARGE.

 

then i'd be sending that to carter

 

saying you'd love to goto court and use the enclosed as a counter claim.

 

dx

[Fedoooo]

you earlier posted a sheet going back to 2003?

 

 

for the minute ignore the 6yrs rule

put in EVERY PENALTY CHARGE.

 

then i'd be sending that to carter

 

saying you'd love to goto court and use the enclosed as a counter claim.

 

dx

Thanks dx

I lost the earlier spread - will check the SAR statement again must have missed some few.Would you be able to knock a few lines down for me to send to them probably with references. Thanks for your help greatly appreciated.

[dx100uk]

post 26 is the old one?

 

dx

[Fedoooo]

Yes, it's thx. will use this one. Would you be able to knock a few lines down for me to send to them probably with references? Thanks

[Fedoooo]

Yes, it's thx. will use this one. Would you be able to knock a few lines down for me to send to them probably with references? Thanks

 

Hi dx

 

I intend to send this to them- Is this ok?

 

Many thanks for your help.

 

Dear Sir or Madam,

 

I refer to your letter dated ****, the content of which is noted.

 

I deny any alleged debt to you or your client .

 

The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments.

 

Should you proceed the claim to court I will used the enclosed as a counter claim plus wasted cost.

 

Furthermore, the court will be made aware that these charge types and the recoverability thereof have been judicially declared

to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999

The Office of Fair Trading v Abbey National PLC and others (2009).

 

I will contend at trial that enclosed charges are unfair in their entirety

[dx100uk]

slightly changed

 

have a look in the library too green tab top left

 

dx