thank you, that's the only thing I hadn't covered, I no longer own anything, pay as I go. will update when I get their responce.

Moved June last year, I will look for the SB letter as you advise, thank you.

Hi, thanks for getting back to me, it was the Vampiress spreadsheet I was after. My story is that Santander closed my account in August 2015, the amount owing was all charges, Cabot apprently bought the debt and have just caught up with me and have passed it to a collections agency, GLOBAL to collect. It's not on credit file, like I said previously not been on here in years, credit rating poor to middling but no problems other than this week.

Hi, it's been a really long time since I was here, though I do tell people about this site. Anyway, my problem is mainly a request. I can't get my head around the charges spreadsheet, so I was wondering if anyone still had the 2011 spreadsheet available? I know how to use that one, I would be really grateful if Bankfodder or any of the original moderators had this somewhere in their archives. Many thanks in advance, Saxon

Creditors and DCAs - Letter Templates & Budget Planner Creditors and DCAs - Letter Templates & Budget Planner all the letters you need are in here just modify to meet your needs

Hi, if you go to top of page click on bank action group scroll down to see the templates library in there are all the letters you need sorry can't link or tell the letter you need other than it's the one asking for the CCA (consumer credit agreement) someone else will prob give better directions tho

Hi I can well believe it I would advise you to cancel your DD when you tell the insurance company then they can't do it again!!!

Hello again, it's been a long time, I have recieved 2 more charges of £39.00, I know I can claim them back but my question is can i add them to the previous claim that I messed up by not submitting the AQ on time?

My apologises, changed the password and have it working now, sorry (I'll go away quietly now)

Hello, sorry to intrude but I have a site prob. I try to go into usercp and am being told to download a file, tried that eventually but it wouldn't open. Have signed out and back in again, no joy. It's been like this a couple of days, any ideas anyone? thank you in advance

Hello, I would keep that message safe, turn the tape over until you can get a new one, DO NOT ERASE IT. Someone with more knowledge will be along soon to advise next course of action, good luck.

if only that were true, I'm very cynical, sorry I had seller protection, sent item recorded delivery, to verified address, item was signed for, feddback was left by both parties and then 'the nice' person did a chargeback, paypal gave the runaround for months, until I lost my temper phoned them and told them to take me to court for balance outstanding as the chargeback meant I had gone into the red and I was determined I wasn't going to pay them for their negligence. IF you ever get chargeback follow the email channels first, then go by phone and speak to a manager not the floor staff, no offence meant but you still get a runaround from them. If no joy tell them to take you to court or you'll take them if your account hasn't gone into the red. Paypal really should sort themselves out, they make their money from sellers fees etc.

Hello, for me it was 13 days, and he left positive feedback, took a long time to get the money back, but did eventually. the man concerned lives in a holiday destination that I've not been to before, though I should try to be more adventurous

Hello Tbern, 1578# has your name on it, didn't know if you'd left it there on purpose or not.

Hello, I have a letter from Monument which matches the original from Providian, I also have Cabots version of a Monument letter whicn has a totally different amount owed!