This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Send it special delivery, it only costs £3.85. None of my recordeds to banks got a receipt confirmation, but they were infact delivered.

Well the only thing to lose is I worry that if they got it thrown out on the technicality of the previous judgment then pursued for a few hundred quid solicitor's fees. I really hate these Lloyds people! My mother was in her 60's and was having a hip replacement. I defended the CCJ as a litigation friend. I appeared at the court 5 times. Everytime Lloyds solicitor showed up they had no documents with them and just kept getting it adjourned by claiming they thought it was a directions hearing. They eventually had to pay me for my travelling costs and lunch (the judge ordered them to). I wasn't defending the penalty things as who knew about that back in 2002. Anyway some of the balance was the fees and it's all those fees racking up that push people over. I haven't added it all up yet. It got worse, after the CCJ for this UNSECURED credit card debt, they charged 4 times the base rate for. They then got a charging order on her house. All this after a payment schedule was agreed and a variance order agreed. The charging order meant that her husband was informed of the debt, as the court send all details to all the owners of the property. So basically they charge 4 times the rate of a secured loan, for what they keep saying is an "unsecured loan" advertising it as "UNSECURED" and not putting any warnings like "YOUR HOME COULD BE AT RISK", but convert it to a secured one anyway! I think the OFT is looking at this. If their intention is to secure the loan in the event of default they should warn people their home is at risk in my opinion. Never bother with unsecured stuff, you pay through the arse for it and it will be secured anyway if you have a property these days.

Legal advice on this anyone? My mother had a CCJ in respect of her Lloyds Mastercard back in 2002, the CCJ was settled/satisfied in full when she remortgaged a few months later. I have got the copy statements and was wondering how I would get the charges back now. Can I issue a new claim in the court or do I have to try and appeal the old CCJ in 2002 for the amount to be amended (even though CCJ is satisfied)? I am not sure of the legalities of not having defended the penalty charges back when they got the CCJ in 2002. Thanks for any help.

I have made DPA requests to both Lloyds and Barclays, both recorded letters (sent seperate days) have never been shown as delivered. Is anyone else experiencing these problems? I will send everything Special Delivery in future (£3.85), I advised everyone to do the same!

If they were services shouldn't the bank have been paying VAT on the service charges? Penalty Charges are exempt. I doubt they have been paying the VAT on them, which makes them Penalty Charges.

I had a Barclays current account, some of this debt was charges but not all of it. They sold this debt to a collection company who now own it (Yes sold, not just being managed by). I have been paying the debt collection agency monthly. What do I do to get the unlawful charges credited or refunded? Can I still sue Barclays for making the charges, even though they sold the debt to another company (and it is still being repayed)?