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  • Pixie
    replied
    Re: SeaSaw Diary

    Thanks for the update. It's good to hear nothing's happening

    Leave a comment:


  • nanna58
    replied
    Re: SeaSaw Diary

    Peace perfect peace xxxxx

    Leave a comment:


  • cymruambyth
    replied
    Re: SeaSaw Diary

    Thanks for updating your thread, it's always good to know what's happening, even if it is nothing! Long may peace last.

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    Hi guys
    been some time since my last posted. Just to update you all, there has been no new details to tell. Nothing has happened since Court Win with Lowell, no letters or calls. I hope others are having the same.


    Kind Regards

    SeeSaw

    Leave a comment:


  • MrsD
    replied
    Re: SeaSaw Diary

    yup, way to go

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    Santander
    Type of account Loan
    Date commenced 26/07/07
    Approx balance £9512.3
    Date last paid £1 month Token Last Paid March 2012
    No Paying
    Status default
    Account owner DCA Anker’s Apex

    This Loan was taken out to pay original loan which was taken out in 2005, PPI for 2007 onwards been paid back, Will need to put claim in for PPI 2005.
    Was paying £1 month Token last paid March 2012
    This has been sent to 3X DCA


    29/03/12 Call 10.18 from Apex told to put in writing.
    4/4/12 CAA sent to Apex
    4/12 Letter from Apex, re home visit appointment.
    4/12 Letter from Apex no cca. Sent back my cheque and letter.
    4/12 CCA sent back to Apex
    5/12 Apex sent Transaction Summary
    5/12 Apex sent Docs most unreadable
    6/12 Letter from Apex
    6/12 sent Missing Prescribed terms. blagging it

    6/12 Apex thank you letter re missing prescribed terms.
    8/12 Apex they would like to refer the recent high Court judgment of Judge Waksman QC handed down 24/12/2009.Also enclosed docs.
    8/12 Cabot have bought account.
    1/14 Cabot its Important I contact them.
    1/14 Cabot they are prepared to reduce the balance.
    3/14 Cabot You must contact us.
    5/14 Cabot We are sending your account to another debt company.
    5/14 Fire Instructed to recover amount owed.
    6/14 Fire despite repeated requests you still owe us.
    8/14 Cabot sent statement of account.
    8/14 Cabot notice of arrears.
    9/14 Cabot We have recalled your account from Fire, and will help me move forward.
    9/14 Cabot Next step they will transfer my account to external debt collection company in 7 days.
    2/15 Cabot sent bi-annual statement of the account
    Will file away see what they send next!
    8/15 Cabot we have tried to contact you and had no response from you.
    Filed letter
    8/15 Cabot they are currently in process of reviewing next step.
    Filed letter


    Just a small update 2 letters this month.

    We have been trying to contact you about your account. letter filed.

    We have not been able to gain your commitment to repay your debt.We are currently in the process of reviewing the next step available to us. letter filed.

    Will see what happens next.

    Kind Regards
    SeeSaw

    Leave a comment:


  • PlanB
    replied
    Re: SeaSaw Diary

    Originally posted by SeeSaw View Post
    over the last few month Lowell’s deicide to take my husband to courts, I decided because I was still so angry about the loan I was going to fight back.

    Niddy and the gang worked in the back ground pointed me to there preferred solicitors. ATW wrote the defence for me when the court claim form arrived. I went to mediation but that came to nothing so it was off to court we would go.

    . . . .

    The date for court came; we didn’t attend court hearing or site at home waiting for the call that the case was lost. I received a call from the solicitor saying the advocate who was doing the case would like us to go to the court, unfortunately it was to late for us to get there in time, well thinking this doesn’t look good, and carried on with my day.

    Time had past the solicitor called again, both sides had given there argument as to the merits of the case, and the Judge decided he had to go to lunch, on his return he said he needed time to make his judgment and that was that.

    The solicitor called me back later in the day. We WON the case. The claim was dismissed due to the Claimant’s breach of section 77 of the Consumer Credit Act 1974. I never for a moment did I think we would win; I’m still stunned and can’t believe it’s true.

    The moral of the story is the little guys can and do WIN.
    How did I manage to miss this earlier post !

    You won a court claim against Lowells. That's bloody brilliant.

    Well done you.



    Plan B x

    Leave a comment:


  • SaltnVinegar
    replied
    Re: SeaSaw Diary

    Hey Seesaw

    Long time no update! Hows things going? All quiet on the western front hopefully!

    Best
    SnV

    Leave a comment:


  • CleverClogs (RIP)
    replied
    Re: SeaSaw Diary

    If the twue copy of the executed agreement is illegible, then they clearly have not complied with the request.

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    Hi guys all well at the moment just had bi-annual statement of account today.

    Santander
    Type of account Loan
    Date commenced 26/07/07
    Approx balance £9512.3
    Date last paid £1 month Token Last Paid March 2012
    No Paying
    Status default
    Account owner DCA Anker’s Apex

    This Loan was taken out to pay original loan which was taken out in 2005, PPI for 2007 onwards been paid back, Will need to put claim in for PPI 2005.
    Was paying £1 month Token last paid March 2012
    This has been sent to 3X DCA


    29/03/12 Call 10.18 from Apex told to put in writing.
    4/4/12 CAA sent to Apex
    4/12 Letter from Apex, re home visit appointment.
    4/12 Letter from Apex no cca. Sent back my cheque and letter.
    4/12 CCA sent back to Apex
    5/12 Apex sent Transaction Summary
    5/12 Apex sent Docs most unreadable
    6/12 Letter from Apex
    6/12 sent Missing Prescribed terms. blagging it

    6/12 Apex thank you letter re missing prescribed terms.
    8/12 Apex they would like to refer the recent high Court judgment of Judge Waksman QC handed down 24/12/2009.Also enclosed docs.
    8/12 Cabot have bought account.
    1/14 Cabot its Important I contact them.
    1/14 Cabot they are prepared to reduce the balance.
    3/14 Cabot You must contact us.
    5/14 Cabot We are sending your account to another debt company.
    5/14 Fire Instructed to recover amount owed.
    6/14 Fire despite repeated requests you still owe us.
    8/14 Cabot sent statement of account.
    8/14 Cabot notice of arrears.
    9/14 Cabot We have recalled your account from Fire, and will help me move forward.
    9/14 Cabot Next step they will transfer my account to external debt collection company in 7 days.
    2/15 Cabot sent bi-annual statement of the account
    Will file away see what they send next!

    Kind Regards

    SeeSaw

    Leave a comment:


  • SaltnVinegar
    replied
    Re: SeaSaw Diary

    Hi there

    All quiet on the western front? Any news?

    Best
    SnV

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    Hi all time I update my diary for Santander is as followed, not much of a worry here at the moment.

    Santander
    Type of account Loan
    Date commenced 26/07/07
    Approx balance £9512.3
    Date last paid £1 month Token Last Paid March 2012
    No Paying
    Status default
    Account owner DCA Anker’s Apex

    This Loan was taken out to pay original loan which was taken out in 2005, PPI for 2007 onwards been paid back, Will need to put claim in for PPI 2005.
    Was paying £1 month Token last paid March 2012
    This has been sent to 3X DCA


    29/03/12 Call 10.18 from Apex told to put in writing.
    4/4/12 CAA sent to Apex
    4/12 Letter from Apex, re home visit appointment.
    4/12 Letter from Apex no cca. Sent back my cheque and letter.
    4/12 CCA sent back to Apex
    5/12 Apex sent Transaction Summary
    5/12 Apex sent Docs most unreadable
    6/12 Letter from Apex
    6/12 sent Missing Prescribed terms. blagging it
    6/12 Apex thank you letter re missing prescribed terms.
    8/12 Apex they would like to refer the recent high Court judgment of Judge Waksman QC handed down 24/12/2009.Also enclosed docs.
    8/12 Cabot have bought account.
    1/14 Cabot its Important I contact them.
    1/14 Cabot they are prepared to reduce the balance.
    3/14 Cabot You must contact us.
    5/14 Cabot We are sending your account to another debt company.
    5/14 Fire Instructed to recover amount owed.
    6/14 Fire despite repeated requests you still owe us.
    8/14 Cabot sent statement of account.
    8/14 Cabot notice of arrears.
    9/14 Cabot We have recalled your account from Fire, and will help me move forward.
    9/14 Cabot Next step they will transfer my account to external debt collection company in 7 days.

    Kind Regards
    Seesaw

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    Hi all time I gave you all an update, over the last few month Lowell’s deicide to take my husband to courts, I decided because I was still so angry about the loan I was going to fight back.

    Niddy and the gang worked in the back ground pointed me to there preferred solicitors. ATW wrote the defence for me when the court claim form arrived. I went to mediation but that came to nothing so it was off to court we would go.

    As time past, the court date arrived in the post. Niddy and the gang sent my details to there preferred solicitor. I had a chat with him and he said there was just a very slim chance of wining the case and I mean VERY slim chance. I was still angry and decided I would still go to court and pay the cost. I did not care about a CCJ or a charge against my home so I had nothing to lose. The solicitor gave me another call some time later asking if I wanted to make an offer of payment, as my husband was looking a bit grey at this points so I did but wasn’t happy about it, the solicitor called again and offer was accepted, something the solicitor had said gave me the opportunity to withdrawing the offer which I took but didn’t tell my husband at that time, so back to the fight I went.

    The date for court came; we didn’t attend court hearing or site at home waiting for the call that the case was lost. I received a call from the solicitor saying the advocate who was doing the case would like us to go to the court, unfortunately it was to late for us to get there in time, well thinking this doesn’t look good, and carried on with my day.

    Time had past the solicitor called again, both sides had given there argument as to the merits of the case, and the Judge decided he had to go to lunch, on his return he said he needed time to make his judgment and that was that.

    The solicitor called me back later in the day. We WON the case. The claim was dismissed due to the Claimant’s breach of section 77 of the Consumer Credit Act 1974. I never for a moment did I think we would win; I’m still stunned and can’t believe it’s true.

    The moral of the story is the little guys can and do WIN.

    Kind Regards

    SeeSaw
    Last edited by SeeSaw; 9 January 2015, 18:09.

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    hi guys

    Claim form sent 14/7 by 1 class not been siged for, but shows on moneyclaim:-
    Your acknowledgment of service was received on 15/07/2014.

    Do i just wait or is there other things I could be doing for time being?

    Kind regards


    SeeSaw

    PS note to self must update reast of diary.

    Leave a comment:


  • SeeSaw
    replied
    Re: SeaSaw Diary

    Sorry Elsa forgot to say date was 3 July.

    Kind Regards
    SesSaw

    Leave a comment:

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