hi. My advice to anyone thinking of contacting Keith Jeramiah is to do so in writing. I made the mistake of contacting him by email and by phone and he used this as a sign of desperation to settle on my part and continued making stupid offers. It was only by reverting to correspondence in writing, and making it clear that I was not going to settle for anything less than the full amount that I got settlement on my terms. It is extremely frustrating having to wait and wait but believe me, it is the only way to get the full amount with these guys. So, resist the temptation to try to shortcut the system and let them sweat.

Oh dear, oh dear, oh dear... Now, I'll be honest: I like being with Barclays. They let me put money on the same day as I go over and not charge me, I can put in a cheque and use the money straight away. And their online banking site is easy to navigate. So, I didn't chase them for my charges. well, tbh, there's not that many, my account with them has been more on the fat cow years... But there has been the occasional slip... One of those occurred a couple of days ago, I miscalculated by a few pounds. My fault totally. So I got charged £30 for going £3.53 over. Bummer. Well, I thought: Why not? I'll give them a wee call, se

Yes that looks ok If there ARE by any chance any of these charges that they can legitimately defend then you are giving them 14 days to prove it. Will be interesting to see their response the banks are addressing it all with an air of predictability but for someone who has not seen one of these letters well ......... Get it off then And keep us posted.

Hi hilbil21 ... and welcome. Capital One is in "Other Institutions" if you scroll down on the front page of this site over all of the other bank forums (Abbey, Halifax etc ...keep going down 'till you find it). Without knowing any history it's difficult to give a great deal of advice, but presumably there has been some prior communication regarding repayments on the card before the account has been outsourced? Negotiation is always the key, so keeping communication going in a reasonable and constructive way (to your advantage wherever possible) is essential at all stages. If you think you've gone beyond that stage and Newman a

Have you already agreed to the confidentiality clause? If not just cross it out - there is no need to keep it confidential.

I`ve got a feeling it has been done, and there is at least one other on the site doing it too. Have a look around.

You could certainly argue it in court but i doubt it will get that far!! If you can prove that they railroaded you into taking this loan to pay off illegal bank charges you probably have a case. I dont think its been done yet and i dont know anyone trying it, maybe Dave or Bankfodder or even Natweststaffmember may be able to offer better advice

The whole point of an estimated claim is to include in the claim that it is estimated owing to the defendants failure to comply with the DPA. The claim should also state that full disclosure is requested. If Barclaycard want to dispute the amount in court they then have to make full disclosure of evidence they are relying on and they have to produce their evidence 14 days before the hearing, otherwise it is inadmissible and will be thrown out of court. Of course once you have the statements they intend relying on you can alter the amount claimed. Also the non compliance has been proved as they are suddenly able to produce the documents.

Hi Smel. Well done for getting so far before asking questions! All I put on the 'form' was that I had held an account for approx xxx years as I could not remember the exact time I opened the account and it seemed to make no difference at all to my claim. Just re-word it slightly. As for the address, I put the Canada Sq one in london and that worked ok. Hope this helps and good luck.

They have been moved around according to their application...........for example if you want a letter relating to debt collection/baliff issues....its now in that section (along with default issues ) For consumer issues look in that forum etc etc.... All designed to make life a little easier for users. If theres a particular letter you cant find let me know.

Claimant has account (A/C No) with Defendant from (Date)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification o

Hi I don't see this on the site. It gives the email addresses/telephone details of all the MP's http://www.parliament.uk/directories/hciolists/alms.cfm I use it to contact mine all the time as it's quicker & cheaper & the MP can access it from anywhere (& does) I always get a response. Whilst he's in the wrong party for me he's still a good MP so can't speak for the rest

Yes you can claim for referral charges and yes that £38 will be a charge of £28 and £10 AdGld fee. They don't split it up, how very convienient for them!

Yes Ali, you can add these charges on when you send the LBA.

think you might be looking at the wrong template if your using money claim online these are the notes you need to complete your claim online http://www.consumeractiongroup.co.uk/forum/bank-templates-library/634-guide-notes-completing-moneyclaim.html

Can't take credit for the spreadsheet, Vamp is the figures goddess around here Best of luck and keep us updated.

Hi, If the charges are made in relation to your breach of contract, ie ending the mortgage before the contractualy agrred time, then Kensington will have to show that the fees are a genuine pre-estimate of the their loss. It doesn't really matter what they call the charge. I used an adaptation of the template: ACCOUNT NUMBER: XXXX Request for repayment of charges Dear XXXX, Our request We are writing to ask you to refund the charges which you have levied from our account in respect of late payment fees to the sum of £XXX , the sum of £XXX representing the contractual rate of interest applied by yours

oh yeah, not to beg for comments on my post, but if it helps, could you click on the scales in the top right of my formerpost? I would like to start giving back what you (CAG/BAG) gave me. Confidence and strength! thanks Adridude

can I ask you to look at a post in the litigation in progress forum then PM a moderator with the details as set out in the post so we can add your claim to it , thanks

Hi sara This is how the loan and mortgages work. in the first few years you are paying mostly interest but each year the amount of the loan gets smaller and smaller and so does your interest, as the interest gets smaller the amount of your payments which go to paying off the loan gets higher. However, if this loan (or part of it) is due to unlawfull charges applied by the bank you may be able to claim back the interest on that amount. hope this helps

No, ALL DATA, whether collated yesterday, today or tomorrow is your personal data, and all Data Controllers have a legal duty to ensure that it is collated, stored and processed within the confines of the Act. It doesn't matter whether it's stored on CD, disk, paper, card index file or Egyptian papyrus (okay..I'm kidding on that one), any information that can identify you as an individual or is a subset of data attached to a file that identifies you (i.e. a data entry within a data file) is YOUR subject data. It ain't theirs... it belongs to YOU, and they have a paramount duty to protect it and manage it lawfully. The Act states quite

no didnt need to put list it wouldnt fit they will ask for this afterwards

Claims are dealt with by Charles Bacon Solicitor Legal Compliance (Corporate Affairs) Nationwide Building Society Nationwide House Pipers Way Swindon SN38 1FN Direct Line 01793 655978 Fax No 01793 657660 e-mail: charles1.bacon@nationwide.co.uk ********************************** Nationwide Building Society Data Protection Team Kings Park Road Moulton Park Northampton NN3 6NW

These calls are not MI, they're harassment Send them this letter: Re: Harassment by telephone ACCOUNT NUMBER: XXXXXXX Dear Sirs I am writing to express my serious concerns regarding both the quantity and frequency of telephone calls that I have received from your company. I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary) I am now formally requesting that all further correspondence be made in writing only. I demand that these phone calls stop immediately. I am now familiar with the terms of Section 40 of the Administration of Justice Act 1970, and the Protection from Hara

For those that have looked at their statements and may be wondering, what can i claim for?, and why are the descriptions confusing?, what about the overdraft interest is that claimable aswell? wonder no more. you can claim for anything which is deemed a penalty charge, which includes: returned direct debits, card mis-use, unpaid standing order, unpaid item, exceeding your overdraft, overdraft interest (see below), total charges (see below) notifed fees Unauthorised overdraft arrangement fees (more will be added as and when confirmation is found) you can not claim for: ATM (cash machine) usage (typica