Hi again. Wait till you hear this : A week over the 28 days, i get a letter from nemo. It says as follows ..... I am writing further to our final response letter. At that time you were offered redress on the basis that we believed that you would have bought ppi, but paid a monthly premium rather than a one off premium. This meant that the amount that those monthly premiums would have been was deducted from the repayment made to you under that offer. We have further considered your position, and as a result now intend to put you in the position you would have been in had you not bought any ppi. This means that we would like to increase the amount of redress offered to you and instead offer you full redress in line with FSA guidance. It will result in an additional amount of redress being paid to you over and above the amount you have already accepted. So..... Cheque enclosed for the full amount that i was claiming - £5075 and another cheque for £20 as a gesture of goodwill. Any ideas on why the sudden change of mind by nemo?? I had already returned the acceptance letter for the £3100 offer which they had received and when i spoke to them after the 28 days they told me the cheque for £3100 was ready to be sent out. Very strange.. Good, but strange. Rob

ok thanks

No there isnt. There are a few Paid referrels £25 and a few Additions + fee £12.

Sorry, i dont understand. oh right, ive got a few entires for "Paid Referrel £25" Is this what im looking for? Thanks

Hi all, After a successful claim against Halifax im now helping a friend with his claim against Barclays. He's received a copy of his statements (looks like microfiche copys) but i cant find any charges on them. Theres periods where hes been overdrawn but theres still no charges listed. Would a charge appear as CHG ? Thanks in advance. Rob

hmmm. sounds like what ive got in front of me. They look like computer print outs. Plenty of times that it shows over drawn in the balance column but no sign of any charges. I'm wondering if theres a overdraft on the account which is why theres no charges showing. I need to speak to the account holder to get some more info. Thanks for help.

ok thanks. Did your duplicate statements list all the charges?

Hi all. Having made a couple of sucessful claims im now trying again on a friends behalf. My claims have been against the Halifax so im new to claiming against Barclays. My friend received a copy of statements but they dont list any of his charges. Just shows transactions and balance. Is there a different SAR letter to send to Barclays or should the standard one in the library be ok? I'm not even sure if he used the SAR letter or just wrote to ask for a copy of his statements. Thanks in advance Rob

thanks

ok thanks guys rob

Hi, Ive got an £1800 overdraft on my account. Do you think Abbey will want this back before they look at my claim? Im claiming over £1800 but i havent got the money to clear the overdraft. Thanks

ok, got my prelim letter ready to post. Just wondering abut how i add the interest for the lba stage. I dont have any balances on the microfilche statements and also i have an authorised overdraft on my account for £1800. Thanks Rob

ok, gonna have a go anyway. On my microfiche statements theres loads of "CLEARED TRANSACTIONS £20 CHG". I take it these are charges?? Rob

Its an Abbey mortgage though, so i'd imagine it has to be paid from an Abbey account?

anyone?

received microfiche statements today. It lists all the charges etx but doesnt say what the balance was. How do i work out the interest without knowing the balance.? Thanks

Good luck to you Barbie Rob

Also, my mortgage is with Abbey with the payments being taken from my abbey account. If they end up closing the account what will happen with the mortgage? Thanks Rob

Second part of claim Settled. Never heard a thing from them until i got the letter saying they were going to defend. Then 3 days later another letter saying they were gonna pay in full. Thanks everyone for help and advice. Good luck everyone still seeking charges. Hope Abbey goes just as well. Rob

Hi all, Just got my claim underway with Abbey Sent of SAR last month and today got the reply : "The last 14 months statements will be sent in the next 5-7 days. Any previous transactions have been archived onto microfiche and it is not possible to provide you with a computer printout of this infiormation, however we have made arrangements to send you a list of archived transactions between 2000 and 2005 under seperate cover." Is this ok? Any idea how soon after the 1 months worth of statements, the microfiche data should arrive? Thanks Rob

Congrats !!!! Good luck with the rest Rob

Inept being the right word. Tried calling customer relations. First of all no-one could find the woman who signed the letter that i got from them. Explained the whole saga to the woman on the phone who said i'd need to confiem my security details before she can continue. I couldnt remember my password. Told her i dont even remember setting up a password but apparently i did when i opened the account (20 years ago!!) Spoke to somebody else who also wouldnt give me any advice as to what to do with the money. Told me i'd have to go into a branch with photo id etc to sort it out. Explained that i work all work and am only of on Sundays. He said fine just pop in whenever i can!!! So for now the money will stay in my account and im going to continue with the 2nd part of my claim. Worse than useless!!! Rob

Bahhh not the replys i was hoping for !!! I know youre right tho. Will call them monday and see what they say. Rob

Need Urgent Help.... Received a letter from Halifax today. It is the same letter that i received from them when they agreed to settle my 1st claim with them (£5399). Its even got the same date on it (30th August). Now, at the moment i have another claim with them for £3500 which is at the LBA stage. I think someone has looked at my account and thinks that im still claiming the 1st part. Anyway, the dillema is that when i checked the balance today they have paid in another £5399. !!!!!! I dont know what to do. My options : withdraw the money, or tell them about their mistake. Im not comfortable with withdrawing it as its not really my money (only £3500 of it is). What you guys think?? I have another week before i issue moneyclaim for the £3500. Thanks

Hi Just starting my claim with abbey. Can someone give me an address to send SAR to please? Theres a couple of customer service addresses that i have (one in Milton Keynes and one in Bradford). Anyone confirm right address please. Thanks Rob