It's not a problem at all, glad to help. Just bear in mind that I'm not on here all the time (it just seems that way ) And put me on your Christmas card list Pete

Hi welcome to the site. The member above gives some good advice but I am going to give you some more. First off if it can clearly be seen that these earlier loans were given to address your unlawful charges then you have recourse for claiming this money back in addition to the charges themselves. You have a number of issues here and one of those is with the debt collectors. You have now established that the bank operated a penalty charging regime that you were unaware of previously. Once you inform the bank of your dispute with the account then the debt collection agency who now has power of attourney over that account must cease

Sorry for jumping on this thread but I don't know if this of any help to any of you but as i have just got over £2000 back from welcome. Welcome have got a complaints devision at the head office in Nottingham. Forget about your local office, write directly to the complaints department. If that fails, don't contact the FSA because they wont be able to help you. Welcome are members of the FLA Finance and Leasing Association. The address is Imperial House, 15-19 Kingsway, London WC2B 6UN. website http://www.fla.org.uk They will want all written copies of what you have already sent to welcome plus any copies of replies etc. If they

when you file your claim you ask for the 8%

I included the following in my Particulars of Claim: c) The Defendant has concealed, and continues to conceal that the charges debited are unlawful. If this is not the case, and the Defendant truly believes that these charges are lawful, then the Claimant contends that the Defendant is mistaken. As the Claimant only became aware during February 2006 that the charges debited were unlawful, then section 32(1)(b), or section 32(1)©, of the Limitation Act 1980 should apply, and the charges debited are therefore within the primary limitation period. I then included the following in my Responce to the Defence, where they dispute the

Hi Molly. I have left a message for someone to come and advise you.

Hi Anniebags, welcome to the family. Barclays are masters of procrastination. They have a flair for delay. Nothing is quick with Barclays. But at the end of the day, they are no harder to deal with than any other bank. Spend a couple of days reading the FAQs and the step-by-step guide which you will find in the libraries section. Regarding the charges, you need to download a spreadsheet which you will find in the templates library and transfer all the charges on to that. When it is completed, save it on your PC, because you will need it again. Now print a copy out and send it with your letter as your schedule of charges bei

HSBC closed my account but only after I claimed for a second lot of charges, not after the first. In fact they very helpfully pointed out to me exactly how much they had charged me over 6 years themselves when I sent a letter asking for a mere single £30 charge back. On that occasion they paid up with £1850. Unfortunately, when I claimed for a further £150 applied to my account after they had agreed to pay up, they gave me the full amount but a week later I received a letter telling me that my account would be closed in a month. Still, it was worth it to get nearly £2k back.

Hi Smugbutton, welcome to the family. If you start your own thread in the Yorkshire and Clydesdale forum You will be in touch with other users who are involved with them and you should find the answer there. Click on this link for the YORKSHIRE AND CLYDESDALE FORUM. Good luck with your claim.

Hi Fedupofthat, welcome to the family. Personally, I have never heard of it. I would suggest that you start your own thread in the insurance section. You are more likely to get a knowledgeable response there. Click on this link for the INSURANCE/ASSURANCE FORUM. Good luck with your claim.

It's easy to say don't be scared, but really, after you have gone through this a little way, you start getting a bee in butt over what the Halifax did to you, we are about to file the claim with the court, so hopefully this nightmare will be over soon! Although they did send me a letter saying they would not pay and threatened to close the account if i did not run it properly! Don't worry, its all good! Do I dare say it might be worth coming clean with husbands/wives with charges and loans? I don't i could cope without the support of my husband.

Hi Dean Sat here at 4am drafting a letter to telewest non compliance of SAR, SAR's dig up lovely dirt i would suggest anyone do them on any company that plays dirty. Any way Ive also got a satisfied default but what amazes me is i have been a customer for the passed 4 years while its been on there. But i suggest you analyze your bills carefully, telewest charge ahead of use, so when you want to leave you have to pay ahead and they pay you back, problem is most people leave on bad terms and say no way thats huge amount I'm not paying it, i will pay what i believe i owe, so the remainder ( of which you dont owe) stays on there u

Address to use on MCOL is: REGISTERED ADDRESS: - NATIONAL WESTMINSTER BANK PLC 135 BISHOPSGATE LONDON EC2M 3UR Bank contact details are here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html?garpg=15 And for info on getting your statements and what to do if you don't get them is detailed in Section 1 of the step-by-step guide here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html, take your time having a read thru the FAQs as well (link in my sig).

Its fine really as far as i can see. You didn't like their offer and your LBA would have said that if they didn't give you your money back in 14 days then you would claim and so you are. You can still send then a letter saying that you will take it in PP or even just refuse it stating your claim. As for issues under the human right act you're right to tick 'No'.

You have upto six years to take a case to court under the sales of goods act (doesn't have to last this long). You first need to contact the retailer to see if they can offer you anything, and find out how long it is reasonable to expect a cooker to last. It may be the case that they can offer it to be repaired (usually the option they prefer as it would cost too much to replace).

To start send a dpa sar request to bank accompanied with £10, this will provide you with statements over the last 6years or your banking history.(just amend) they have 40 days to comply with this request.£10 will cover all accounts you have with them You will find this template in the bank templates section. As regards the debt collectionagency(dca) harassing you for a credit card bill dating back to 1999. Since 1999 have you, made written contact with them, had a ccj for it, made payments on it, if not then it has passed the statue of limitations, and they cannot chase this debt, as it is outdated(to say)

Hi, follow the link bellow; its in the FAQ's

Remember that charges older than 6 years are barred by the statute of limitations. Unless you fancy joining the pioneers and challenging the statute on the grounds that the banks have deceived you. Limitations falls if a judge agrees with this. There are some people doing this at the moment...

Ok, firstly chill out 8-) Don't worry about the spread sheets yet, there more for court stages (8% statutory interest purposes). Look through all your statements and note the charges. These will be unpaid direct debits, unpaid standing orders, excess overdraft fees and unpaid cheques. Overdraft interest is a tricky one, so most people dont bother. You can't claim for account fee's. You would have agreed to them when you opened your account. Note them all down (example below). Schedule of charges Date Amount Reason for charge 01/03/2003 £35.00

Hi Alfie You need to read deeply through the other bank claims on this site many go right form the start and you will also get in much needed information. there is a link at the base of this post regarding interest it has a long thread with much information. Everything you need to complete your claim can be found on this site it just takes time. read the links below "Q&A" and the "read this first" link. then go through the site. Make yourself a v's thread under your own bank listing and then you will get good feed back and advice from other members. Good Luck BL:)

1st don't take on to many banks at one time as that can be overwhelming, any bank will do anything to slow the claim down so i would tell MBNA you want your charges break down. Make sure any cheques sent have not been cashed and make sure you cancel any you duplicate. and get your self a big table:D follow the links at the base of this post if you get lost around the site and make sure you open a new claims thread under each bank name under the "list of bank" link at the base of this post good luck BL:)

Hiya If they have paid you some of your claim, then you deduct this from your original claim, when filling your MCOL, don't forget to add your interest.

You can't claim the £10 as you have paid for a service and yes they only send statements by sending you nothing else they are admitting there are no notes to show any details of manual intervention when applying charges on your account.

Im sure they will settle before this point. Thats the judge putting a stay on your claim to give Lloyds more time to pay up as the judge clearly knows its not going as far as court.

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

they go back 6 years, go to my statements, then under the statement window, click on next set