If payment is sent by cheque, then that is considered as correct payment by the IC, and the clock starts ticking from the day it reaches them. I had an interesting discussion over this with the ICO when Bristol & West refused to accept a Postal Order, as their system could not deal with it!! The problem with asking for the money to be taken out of an account is that the banks have been waiting a couple of weeks, then sending out a form asking for authorisation. They can quite properly argue that they need to have the correct forms completed before they can take the money. Whilst we know this is absolute garbage, the banks will use any loophole we give them to delay compliance.

Hi Everyone, I've been reading your threads for a while and thought I'd say hello since I'm finally ready to send my SAR letters. I can't wait to get started, HSBC must owe me a fortune!! Look forward to hearing from some of you.

It appears HSBC may be trying to fool me with fraud!! In my second action against HSBC, I am requesting the removal of default and theoretical refund of charges amounting to about £125.00 - basically they allowed me to go over by about £5.00, rejected direct debits etc and compounded everything until my balance read -£125.00 then defaulted me...I've sent all the normal letters with a few extra barbs from me and they've ignored them completely, until I made a court claim...Then they sent their standard letter stating that they thinkthe charges fair, won't be refunding them, this is the final say on the matter...Well, since I'd already started legal action, it certainly isn't their final say whether they like it or not... More later

Welcome firstly i would say stagger your claims, or it can gets very messy and confusing and stressfully. I would place this question under general in the main forum. http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/ There are some links at the base of this post to help guide you through your process. There are members on this forum with Debit management company's. I would do a search " debit management company" and see what it brings up. You gather much information while reading the threads on the forum its a hive of information. BL:)

Welcome Stormo Don't forget to make your own personnel thread under your own bank listing. You will gain a lot of help form other members who use your bank. and Its the Bear Garden for time out. BL:)

I would just stick to the timetable as recommended on the forum-don't even acknowledge their attempts. Request for repayment 14 days later LBA 14 days later-file your claim. Go for it!!

If it was issued on the 12th, then yes they have till the 31st. If it was served on the 12th then they have till the 26th HTH

Welcome. Well done for doing your homework first, you'd be surprised how many don't. Please ignore any of the schpiel below that doesn't apply to you. Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Then look at other threads in your bank’s forum, so as you know what you can expect to happen You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you. When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help All the info to get you started is here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Good luck Finally please heed the words of warning here and make sure it doesn’t happen to you: http://www.consumeractiongroup.co.uk/forum/abbey-bank/announcement-center-bankfodder-very-sick.html

PLEASE DONT!!!!! they are a [problem] you WILL get your money back of your own valition. follow the help on this site i will personally guide you. Just read the faqs and threads. you might get your cash back for the price of a stamp also all fees paid for MCOL you can claim them back.

Hi standard pants reply from the bank. I am certain you will be successful in the end.

To claim for earlier charges? 1) Take them out since the Limitations Act 1980 says you can only claim back six years. Barclays and of course the courts are well aware of this. or .. .. 2) Leave them in since you can argue that "deliberate concealment" by Barclays overides the Limitations act (under section 32 of the Act), and since morally it's your money. Why should they be able to hide behind a technicality? I would be tempted to claim for the earlier amounts - you can always take them out later as an act of "reasonableness". (Then start up another claim at a later date???) By the way - a test case would need to be set in a higher court.

Hi k13 njc. Including this one, there are now 18 posts on this thread. As this is a "Hello, I'm a Newbie" forum, you might get better results and information by opening your own thread in the Lloyds/TSB forum, where your posts will be seen by other users in the same position as yourself. The majority of users reading this forum are newbies, and perhaps not ideally placed to offer you the advice you want. Good luck with your claim.

Paul It all looks very clear and specific, but the implications are immense. None of the credit companies are going to simply accept it without a fight at the highest level. My rough calculations for Barclaycard estimate they owe me something in the order of £15,000 plus they will have to completely remove any adverse information from my credit file. I realise its going to be a long and rocky ride before they roll over because of the amount involved and I don't want anyone thinking it's a clear cut thing.

Hi MDC30. Suggest that you write to the bank at the following address... Peter Townsend manager, Barclays Data Protection Radbroke Hall Knutsford Cheshire WA16 9EU Send a copy of the letter you received with the appropriate sections highlighted and ask him to explain the anomoly regarding the £10 fee. Point out that under the D.P.A. he has of days to comply. The clock is ticking. Don't be fobbed off.

That is certainly the easiest way.

Blackhorse are trying to fob you off. I would suggest that you do the following: Pay what ever sums are due in order to avoid the default. (Much easier than trying to remove it later!) Submit a S.A.R - (Subject Access Request) (found in the template library) Claim your charges back Hope this helps!

Hi Rinne, I have been using the following as my particulars of claim: Claimant has account (A/C No) with Defendant from (Date)conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 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 of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date) to (Date) of (£0.00) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00). Hope this helps

Hiya happy old dog. Best if you have a read through the questions and answers. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ read a lot of the memebers threads as that is how i got my bearings in the steps to take. once thats done get you self started with a personnel thread under your designated bank. Which you can still !! claim your charges back from. good luck Bl