Hi, just to let you know that I posted the missing statements letter on the 14/2 as yet not recieved anything they have until the 6/3 anyway. Just noticed today though on line banking that they have taken my £10 access fee yesterday. The cheeky so and so's will keep you updated once I recieve or anything else.

Brilliant. Thanks ever so much for that.

Helo, I have recieved my statements today but they are not all there. Let me explain a little further. I had a Classic Card which was visa from Aug 2002 until Sept 2006 when they changed it to the Halifax One Card which was Mastercard until I paid it of in Nov 2007 and I cancelled the agreement. The statements they have sent me today consist of Aug Sept Oct Nov and Dec 2002 and Jan & Feb 2003 thats it. After that there is a seperate paper headed fee and charges extract with 1 charge of £20 from March 2003. There is then another piece headed fee and charge extract with £12 late fees from ranging Feb 2007 until Nov 2007. I know I have more charges than this as I have quite a good memory when it comes to things like this. How would I go about getting the rest of the statements from both cards? Any advise much appriciated.

Hi Recieved a letter yesterday from MBNA to advise that my 'complaint' was being dealt with and that I would recieve a full response by the 28/2/08. I did send the LBA giving them 14 days to respond which they should reply to by the 12/2/08. Do you think I should sit it out till the 28/2 or send the final LBA on the 12/2 Any advise much appriciated.

Or well never mind it was worth trying anyway. I sent my L.B.A off on the 28/1. Just checked Royal Mail Website and it was signed for on the 29/1. Is the 14 days classed as 14 working days or just 14 days? Many Thanks

Hi Receieved a letter from Halifax today to say the info. I requested has been ordered and that I should recieve the docs. within the next 2 weeks!! In the letter it does say the following: In relation to your request for information about any manual intervention on your account. As the the Halifax is not required to record this information I am afraid I am unable to assist you further with this request. Is this right/ Or should I be entitled to any manual info they hold? Many Thanks in advance.

Ok Thanks For That Seaside Lady. I'll let you know when I get my statements through Many Thanks

Hi Just let you know I receieved a phone call from the Atlantic collections dept. I explained everything to the lady, gave a payment of £10 by debit card over the phone and they are going to send out a payment card for both the gas and electricity. If anybody else ends up in the same boat just wait for the collections dept to call you explain your situation and they will sort it out.

Hi Don't mean to sound silly but what is a CCA request? Thanks

signed

Hi Just to let you know I have got a reply wo the complaint letterI sent in and I do not have to pay the late fee. Result!! Yesterday I S A R them so we'll see what happens from here. Many Thanks For your Support Lynn

HI, I recently swapped from atlantic to n power. I have today receieved my final reminder for 201.06 for the gas and 178.85 for the electric. If I do not pay within 7 days then it may be passed to a debt collector. However just over 2 weeks ago I called Atlantic and advised that I could not afford to pay them. I asked the lady if I could have a payment card and send so much money each week. She said they would send one out but I have never received it. I just called atlantic to advise that I am still waiting for the payment card to come and the girl I spoke to said that before they can send out a payment card I need to pay 50.00 on gas and 50.00 on electric as they have not had any money from me since my last direct debit in september. I explained that I cannot pay 100.00 in one go and she said to call back with some sort of payment. Is there anyway of getting around this. Many Thanks

Hi, It is a general complaint I have sent them for now. They have wrote and advised they are still investigating the complaint and I will get a reply within 4 weeks. As soon as this is resolved I am going in for my credit card charges back. I'll keep you all updated. Many Thanks

Hi I have today just receieved a copy of my statements. On there, there are a few 'special cash interest' charges. Does anybody know what this means. I can see that they have charged me interest cash advances but not sure what this special cash interest means. If anybody can shed any light on this please advise me. Many Thanks

Hi Just wondering if anybody knows where the 4 week start date comes from when you send in a complaint letter. The complaint letter I sent was signed for on the 21/12/07. I receieved a letter from them on the 28 or 29/12/07 dated 27/12/07 to advise that they had receieved my complaint and as per fsa guidelines I would recieve a response within 4 weeks. Is the 4 weeks from the date they got my letter / from the date of their letter? I'm just thinking if it from the date of my letter then they have not resolved it in time and I think another phone call may be looming. Many Thanks For Advise in Anticipation

Hi Unfortunatly I don't have them so I'm going to have to SAR them. I have just paid the 40.18p that I owed them. But have advised that I am going to be writing to them to complain about the 12.80 late fee. I'm not paying it when I didn't get the bill. Once I get a resolution to that complaint then I will SAR them and I'm going for interest ontop as well. I know it seems petty but do you think I would get away with asking for the 85p that I overpayed them about 2 years ago along woth interest on top as well?

Hi I have been thinking more and more about this and the more I think the more I get wound up by it. I have had this card which is the Halifax One Card for just over a year however I originally had the halifax classic card for roughly 4 years. I had originally paid the Classic Card off but had over paid them by 85p (They sent me a bill for 15p but as I use internet banking to pay for my bills the minimum you can send is £1) I had a couple of late payment charges for £20/£25 a few years ago and have a couple of the £12 charges more recently. Just wondering if you can reclaim the £12 charges applied? I am considering reclaiming the charges thats all as they have wound me up too much

Hi Just wondering if post office accounts are protected. I have my child benefit paid into my post office account weekly. All advise and the letter receieved from hmrc only suggests that banks are protected. Many Thanks

Hello Just looking for some advise. On the 2/11 I paid my Credit Card in full and asked for the card to be closed. The girl I spoke to said that the balance was clear and I would recieve a final bill showing nil balance and that the card had been closed. I have today received a phone call from the Card Collection team asking me for 53.02 as I had missed the payment date of the 11/12. I have not recieved a bill which was originally for 40 odd pounds and now they have added a 12.80 late payment charge. I explained to the collection team that I did not have a problem paying the 40 odd quid but I would not pay the 12.80 for a bill that I never recieved. She told me to call customer services which I did and she said that it was my responsibility to call and advise them that I had not receieved a bill!!! How am I meant to call somebody when as far as I was concerned the bill had been paid in full. I explianed that I would pay the 40 odd quid but not the 12.80 she said I had to and that I needed to call the collections team to pay it. Does anybody have any advise before I call them to pay. The 40 odd quid is interest from the time the bill was sent to me paying on the 2/11 according to them. Many Thanks in anticipation.

Hi, A friend of mine recently purchased a hd ready tv from currys. 5 days after he purchased the tv he noticed that there was a sale on for the same tv with loads of extras for them same price he had paid a few days earlier. He tried to return the tv saying it didn't fit his needs but currys have point blank refused to take the tv back. Is there any way around this one? Many Thanks

Hi Guys heres a copy of the email I recieved from the ICO: Thank you for your email dated 26 October 2007 concerning Loans.co.uk. You have been made aware that information relating to you may have been among certain data sold to third party loan companies without Loans.co.uk’s permission and in contravention of the Data Protection Act 1998. Unfortunately I can only reiterate what Loans.co.uk have advised you in their letter as we are only inviting people to complete our complaint form if they have been caused detriment by the sale of the data, which from the information provided, does not appear to be applicable in your case. Loans.co.uk have contacted us in relation to this incident and we understand that the information involved may be used by third party loan companies to contact you to offer financial products. We have not found any evidence to suggest that it will be used for any other purposes. If you are not already registered, you can help prevent unsolicited sales and marketing calls by registering for free with the Telephone Preference Service. You can do this by calling 0845 0700707 or visiting their website www.tpsonline.org.uk. Officers from our Investigations Department are working with Loans.co.uk to see if a criminal offence has been committed. Once this investigation is complete we will post our findings and details of any action we have taken on our website – www.ico.gov.uk. I would like to thank you for bringing this to the Information Commissioner's Office. If we can be of any further assistance please contact our Helpline on 08456 30 60 60, or 01625 545745 if you would prefer to call a national rate number, quoting your case reference number. Yours sincerely Elaine Lynn Case Reception Unit. I am still waiting for a reply from loans.co.uk to my last letter sent about a week ago. I have asked them for a guarentee after the 12 month free trial ends with credit expert because how do they know the personal info. will not be used after 12 months?

Hi, I have complained to the ICO last week but as yet I have not heard anything. If I do I will let you know. Many Thanks for the advice.

Hi I sent the letter posted earlier in this post. I have today received a reply which reeds as follows: In response to your request for information regarding the investigation into the unauthorised sale of data, I can inform you that the incident was reported to the police however it is the Information Commissioners Office (ICO) who are investigating the matter. Both the police and the ICO will not be able to give you anymore detail than we have already provided so I would advise you not to contact them. As our previous letter advised the information was passed on to third party loan companies without our authority. Thisa information has been used by a number of different companies for marketing purposes. Further to your request for compensation, we are not offering any compensation. However, we have taken the precautionary step of notiying everyone we think may be affected, givibng them fraud prevention tips and access to a free credit monitering service as detailed in our previous letter. Your letter states that you are seeking legal advice and we understand your concern on this matter, which is why we have contacted you. You are obviously free to seek any independant advice on this issue. I was given a copy of the internal complaints leaflet and the new contact is Nick McBrien who is the customer satisfaction manager. I am in the middle of drafting another letter to them the pigs.

Hi I have tried to call the number however it's a dead line. Does anybody know anything about this company? Thanks Lynn

Many Thanks for that I'll give them a ring tomorrow