thanks feater, thats great:)

I have today received SAR information, what do I do know to reclaim back lots of bank charges? Abbey have already sold this account over to Moorcroft who are chasing me for the money, I wrote to M/C and enclosed my final bank statement from Abbey showing the balance at nil, they have written back saying that they are collecting on behalf of Abbey and it has to be paid, they have out my account on hold until 3rd Sept. What do I do know?

I have received a statement from Abbey stating that the amount owing has been written off! am i able to reclaim any money I have already pay them through the Debt management company it went through?

date of write off was 4th April 2007, been paying moorcroft for this over past 2 years.

I sent Abbey an SAR which they have not yet sent all the details, but today I received a statement from them showing that the outstanding balance had been written off, this is great but I have been paying this debt through a DMP to moorcroft for the past 2 years, so if Abbey have written it off will moorcroft still chase me for money? do I send Moorcroft a copy of the statement showing the debt written off? any advice would be great.

ok thanks

this is confusing.......... I sent a CCA to commercial collection services in February, they sent back my chq saying they could not supply the information, I then received a letter from Network collections about the same debt who I CCAd and they wrote back saying they could not produce the documents requested and returned my chq, now I have received a letter from Charles Howard & Partners about the same debt threatening Pre-legal notification, so I CCAd them too, the thing is I have now noticed that all three of these companies have the same address, what are they playing at? Charles Howard & Partners have obviously returned my chq saying they cannot supply the information and they have now returned my file back to their clients. ????? what should I do?

cheers Fendy! I feel stupid sometimes when I put the wrong thing in the wrong place but like you say it takes time to get used to it all.:o

thankyou Parkvale:D

I have received a letter from Abbey saying that they cannot provide me with the info I asked for (SAR) because it is more than 6 years old, they have sent me some duplicate statements but they don't really show alot certainley not all the dates charges were applied on my account, so what do I do now? how can I claim charges if I don't know for sure how much and when they were charged???

thanks, still new to this, not yet got the hang of where to go and what to do!!!

I have had a letter from Abbey saying that they cannot provide the information that I have requested because it is more than 6 years old, thay have sent me some duplicate statements but they don't detail anything really only the amount overdrawn and the date account was closed. What do I do now? how do I claim back charges if I don't know the exact amount and dates they were applied to my account?

Thanks for your comments, they have really helped!

Thats what I thought, I have done a letter stating that following our telephone conversation i enclose copy of recent charges and when they have confirmed that they will refund these too, then I will sign the acceptance letter and send it to them.

phoned them, they have said that if i send them a copy of recent charges with dates they will refund them too. am i walking into a trap by signing their acceptance letter and enclosing copy of recent charges?