Hi I'm trying to help SiL with his ABBEY credit card. Need to get the prelim letter off today really but as I'm sitting here adding up his charges I keep coming across this whopping amount 'Retail Interest - Retail Interest Charges £45' that's appearing every month. What is it/can he reclaim it?

Hi Brian, Welcome to this amazing site.

Hi havinastella Had a look - it's 'nearly' stat barred, one year to go. I've had a look through all the paperwork again to refresh my memory and I think daughter should ignore them. The fact is, they haven't produced a CCA; daughter should try & reclaim her charges, then settle any outstanding balance. I think that's the way to go.

Bump

This is precisely what happened to my son. The Student Loans Company, suddenly began sending letters to a neighbour's house 10 (!) doors away. The neighbour always opened them saying he didn't look at the name on the envelope. This went on for a year or more, even though my son telephoned them several times. This past year SLC have tried a new trick - instead of phoning my son, they somehow got his uncle's phone number (he lives 20 miles away & has a different surname) and now telephone him. It's not incompetence, it's harrassment taking a different form.

Hi All, Four months on & AK are still sending menacing letters and constantly phoning/texting my daughter. The letter received 2 weeks ago threatened court action (again!). However, their letter yesterday had an offer stating they'd accept 50% of the debt, payable over 3 months. They said they will also update her credit file to show the debt satisfied. She's very tempted to go ahead but hasn't tried to claim any charges yet. Would any potential claim be affected? Would appreciate any advice. Thank you.

Hello jen, Welxome to CAG. Could you give us a few details to work with?

Hi sam Welcome to CAG. First of all - NEVER speak to these people on the phone, ever. Always deal with them in writing. You need to get your charges back. To do that, first of all you must send an SAR - Letter Template here - adjust as necessary: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html Don't forget to include a £10 postal order. They have 40 days in which to comply. Oh, and don't sign your name at the bottom of the letter, print it. Good luck and please post again when your list of charges arrives.

Hi stanway, Welcome to CAG - THE most excellent site on the 'net. First of all - NEVER speak to these people on the phone, ever. Always deal with them in writing. Send them this letter & include a £1 postal order. Do not sign the letter, just print your name at the bottom. Good luck. -- I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. --

Thanks both, I'll have a browse, see if I can find anything about having the claim struck out.

Bump. Anybody? Is it another waiting game that could go on ad infinitum?

MissPlod, please stop beating yourself up! In the great scheme of things it is ONLY money. You have now taken the first step by joining this fantastic forum where you'll get lots of invaluable help. From now on the only way is up!

Hi - another update. We rang the court because there has been no contact. It seems that the case is now stayed. Is this good news or bad news, can it be revisited in the future if BC decides?

BabyBear, I'm so sorry that you have been targeted by a pathetic little numpty. You are a valued member of CAG and there is plenty of support for you here. Chin up, don't let the b*stards grind you down! xx Admin - name and shame please, then ban the tw*t!!

Brief update: Daughter got a letter from the court dated 17 June acknowledging receipt of her defence, stating that a copy would be served on BC. They then have 28 days to respond. To date we've heard nothing. the 28 days are up today counting from the 19th June. What's the next step? Should we be doing anything?