I didnt know it isnt allowed to take charges from peoples benefits- i had never heard of Right Appropriation.I wonder how many people have just been left with no money for the week and just suffered.Must be thousands going back over the years.How many would have given up with phone call to bank-WHY should Stitch 05 have had to go to bank -can only imagine what that must have felt like.As for Direct Debits they dont suit everybody and no doubt you will have to pay more for not paying this way-it does not seem fair.Some low income people have token meters for electricity and more or less pay before they use-i have heard they charge 25% extra for this -wow add that up over a few thousand people-i hope my facts are right with this.Good luck to anybody claiming charges back from banks- or fighting for their rights-draw strength from this site-bye for now Tawny.

Should be made illegal to take charges from anybodys account who is on benefits. The sooner laws are passed to stop these charges the better.Banks must be made to pay peoples charges back automatically for the last 6 years minimum or as long as they have had their accounts.How long before this happens- who is in charge of all these banks- are they politically entwined. Are they all having a glass of champers at their club having a laugh at their latest profits.People power will win. Taking money from peoples accounts who are on BENEFITS DISGUSTING PRACTICE- even if you explained to them i bet they would still take them- saying something like thats your problem -terrible

Have had account with Barclaycard since 2003. After reading info on this site decided to try for charges on this account.My limit was only 300 pound. Also had payment protection insurance on this measly limit costing 3 pounds a month.Wrote a letter to them canceling PPI due to small amount insured.Received letter acknowledging cancelation followed by letter dropping limit by 20 pound.Anyway this is how the claim has gone so far. 1- Sent Subject Access Request with ten pound postal order to Barclaycard Customer Relations Dept 1234 Pavillion Drive Northampton NN4 7SG 2 Sent it registered delivery on 10th January 3 Received letter from Mr Whalley with only a few days to go before 40day limit ran out saying how busy they were -there would be a delay. 4 Statements finally arrived today 15th March 5 Very surprised total charges add up to over 700 pounds -on to next stage 6 Am now up to this stage with Abbey -2 accounts plus one business account- and American express -Good luck to all trying to get their charges back.Tawnyowl

That would be a wonderful claim to land on the banks doorstep-150000 pound plus slight interest - a record breaker - bank would have to replace marble floors and luxury offices- perhaps woodchip on the walls and cord on the floors if these kind of claims start going in. lovely thought

Good news on business front .I like the idea of some business person sitting at his keyboard absolutely down in the dumps looking for some help from somewhere and reading this thread. Got a feeling this thread is going to be well read. Could help somebody bigtime good post.Sounds like you are all settled down for evening. Tawny lives where supercasino is going to be built -hopefully. Bit further North than wonderful scenic South.Just enjoying a Marmite sandwich before watching gardeners world.Anyway good post very interesting.

Latest news on my claim- 1Sent SAR 10th jan recorded delivery 2Also sent ten pound postal order 3 Sent it to Abbey National Plc Abbey National House 2 Triton square Regents Place London NW1 3AN 4 Received letter today thanking me for letter 5 Acnknowledged receipt of ten pound fee- so Postal Orders seem ok 6 Confirmed arrangements have been made for info to be sent to me. 7 First 14 months that is kept in their system- 8 They have made arrangements to send me rest due to them being archived on microfile 9 As i had asked for any manual interventions as everybody does they are unable to help with this request. They consider manual intervention to mean an action that is not automatic or computer driven.Not all manual interventions are recorded- seem to say a customer does not usually request this info-saying basically they havent got any. 10 But got info back from Amex including telephone calls that proved to be very interesting.They keep records. 11 Still waiting but sounds like things are moving. Hope this isnt boring anybody just reporting latest on claim Bye for now tawnyowl

Thankyou for advice.Im learning more each day on this site. It seems to be coming more of a hobby. Will certainly be looking at thread CCA sounds an interesting area. thanks again. Tawnyowl.

H i Donexile Sent my SAR to Abbey at the Triton Square address .Paid with postal order everything ok .Received acknowledgement of ten pound fee. good luck. Tawnyowl

Any news on discussions for way forward. Hope you are ok Jamorgan -very brave facing judge barristers etc If House OF Lords is way forward- good Suppose a lot of people have put there claims on hold not knowing what to do Les Gunn certainly seems to have started something here. Once again Jamorgan greatest respect for you Should rename Mortgages with ERC -FERRARI MORTGAGES because someone is making plenty. Im not taking this lightly as i have one.

Thankyou for advice. Will work out a letter to send asking for charges back and asking about file refferal fee.If i hadnt taken advice on this site and sent SAR i would never have known about telephone calls and these extra charges wonder how many other people have had this happen to them. Slip a few charges in they will never know.

Have had a closer look at papers that arrived -after sending letter to American Exspress from the CCCS telling them of difficultys in paying and offer of payment ,Amex made call to Newmans - somebody called Martin-he closed the account- as DMC dealing- and recoded account to RMA-Resolve and forwarded letter from CCCS for them to deal with .They musnt deal with CCCS clients.It seems to be RMA who have added file refferal fee on first day of having account. Plus charges of interest.Account gone up by 134.00 since they have had account- they have sent me a letter saying they have been appointed by American Express to negotiate repayment on their behalf and that their services are paid for by Amex. Surely they have just bought the debt . Wonder if Amex owns any of these companys as they seem so close.Anyway going to add charges together and try for them- might see what i can do about file refferal fee. Thanks for reply you certainly are about early in morning.

Sent S.A.R - (Subject Access Request) to American express Services Europe Ltd Data Protection Office Dept 2007 Amex House Edward Street Brighton East Sussex BN88 1AH Sent request 9th Jan- Received information 24th Jan from Monica Lower Data Protection Co-ordinator Faster response than exspected Hope this info helps somebody

Opened account 6 yrs ago- ran into difficultys 2 yrs ago -account passed to outside agency Newmans. Had asked for help of CCCS who helped me work out offers.Within one day after receiving offers -talk took place between Amex and Newmans and account was closed and recoded to RMA Resolve.There was an immediate file referral fee of 114 Pounds and accrual interest of approx 40 pounds over next 2 months.This information was on my S.A.R. forms just received back. Approx charges of 250.00 pounds made up of Over limit fees and Late payment fees.Was hoping to get reduction on account but they seem to have demolished that idea.I think i will now proceed to step 2 once ive worked it out. Hope this helps somebody- anybody any ideas.

Have Amex account thats been passed on to R.M.A. Received postcard from them saying they would be calling but they didnt come at times stated.On postcard it had NCO Europe Ltd trading as RMA Registered office 90 Watery Lane Preston PR2 1AU. Registered in England and Wales NO 3122581. Part of the NCO group of companies. License No 407530. Dont seem to be very good timekeepers.

10 January - SAR sent- suppose its the waiting game now- good luck to everybody with your claims. My account went into overdraft which was passed on to collection agency. Would be nice to get reduction in total debt Estimate charges to be in region of 1- 3 thousand .Remember its better to try and fail than not to try at all.

Latest- 1 sent SAR to American Express registered delivery. 2 Sent to American Express Services Ltd Data Protection Office Dept 2007 Amex House Edward Street Brighton East Sussex BN88 1AH 3 NCO trading as RMA didnt turn up 4 Suppose its just the waiting game now 12 days and counting Thanks for advice -it was used

What was that judge thinking about -hope Jamorgan appeals.Kensington and others need to be taught a lesson what they are doing is nothing short of [EDIT]-at least Dick Turpin wore a mask. Willing to chip in to any fund to fight this terrible decision.Jamorgan should feel like one of the early pioneers-and proud to have taken it this far.

Just want to add there is a member on this site somewhere called Zootscoot perhaps she might give some advice . Tawnyowl

I am a reasonably new member of this site but in the short time i have been i have read many stories and different peoples exsperiances.There are many clued up people on here who i am sure will give you advice.I read your story and just had to say something.You have been treated terribly.This is the worst thing i have read on here and have had to have a cup of tea to stop the anger i am feeling for the way you have been treated. I hope you will get some redress one way or the other . I am sorry i cant advise but am sure many will. good luck Tawnyowl

I have had an account with Time retail finance which was passed on to Activ debt recovery, my question is should i write to Time Finance to find out what charges have been incurred, with a view to reducing the said charges or Activ. Also i had a loan with MBNA which was passed on to Direct Legal & collections which party will i have to contact regarding the charges i have incurred on the account with a view to a reduction also I do not have the account numbers for either time retail or MBNA anymore any help would be appreciated

Sorry about caps lock new to computers thanks for telling me i do not think that will happen again

Am just going to start proceedings with abbey starting with S.A.R.- subject access request .Sending a tenner hope a postal order is OK .Account went overdrawn - account now with Moorcroft group -allways asking for increases must be on commision. With bank ten years . Estimated charges 3000.00plus seem to remember one day -150.00 5@30 Will keep posting any progress and any results

Hello just going to start proceedings with American express starting with S.A.R. subject access request. Sending a tenner- hope a postal order is acceptable. History with them not good account is now with NCO Europe Ltd trading as RMA. Just received postcard from them saying they are calling between 9 and one Saturday 1-- should i tell them account is in dispute 2-- should i also write and tell them account is in dispute 3-- should i make arrangement with them to pay something before outcome of dispute

Hello just going to start proceedings with American express starting with S.A.R. subject access request. Sending a tenner- hope a postal order is acceptable. History with them not good account is now with NCO Europe Ltd trading as RMA. Just received postcard from them saying they are calling between 9 and one Saturday 1-- should i tell them account is in dispute 2-- should i also write and tell them account is in dispute 3-- should i make arrangement with them to pay something before outcome of dispute

GLAD I FOUND THIS SITE HAVE BEEN LOOKING AROUND IT FOR A COUPLE OF NIGHTS AND HAVE DECIDED TO POSSIBLY RUFFLE A FEW FEATHERS AT MY BANK JUST A FEW QUESTIONS FIRST GRATEFUL OF ANY HELP 1 AM SELF EMPLOYED HAD BANK ACCOUNT FOR TEN YEARS 2 HAD A BAD YEAR LAST YEAR BUILT UP 3000.00 OVERDRAFT WHICH WAS FINALLY SOLD ON TO A DEBT COMPANY WITH CHARGES OF ABOUT 300.00 ADDED .WHEN PAID ACCOUNT WILL BE CLOSED CANT USE ANYWAY 3 ESTIMATED BANK CHARGES 3000.00 OVER LAST 6 YRS 4 CAN I STILL CLAIM EVEN THOUGH OVERDRAFT SOLD AND ACCOUNT BASICALLY CLOSED 5 TOLD MY ACCOUNTANT ABOUT THIS SITE BECAUSE I HOPE THIS ALSO APPLIES TO BUSINESS ACCOUNTS:-x:smile: