Help, received statments from only Creation (pilot) there is IP fees for varing amounts and in various forms, can i claim these back as i probably was over charged, i know i can not do it the usual way but is there a way to claim tham back??? Advise please

well still waiting for statments but had an alert from equifax stating i had a search on my file, when checked it turned out to be creation finance??? still not heard anything re my complaint with adams!!!

well filed at court today court fee £30 total claim £60.00 well we will see what happens!!

sent sar got my statements (it is right mess and very confusing to understand ) after working everything out sent pre lim yesterday so heres waiting!! got my cheque back that was nice of them!!

I POSTED MY SAR request yesterday,but i have had a horrible thought i do not remember including my cheque for the fee, this is the first time (mithered with the kids prior to going to post office) has this happened to anyone else if so what happened, is it better to wait to see what happens or should i send another? advice please? Vicmar

well i have sent of both SAR requests but the department that deals with Pilot say they can not find my records i only closed it 2 years ago and i gave them the last 4 digits of the account number anyway i sent a letter back saying that they have all my details etc and the clock is ticking etc. i am still waiting to hear from adams this account is active, i have decide to pursue this one as they have lost a payment and have been harrasing me daily (sent the harrasment letter from site - its working) but i phoned them after i complained they state they have charged me and it can take upto 4 weeks to deal with compliants!!!. here waiting vicmar

right here goes!! after a lot of research i have decided to send N1 for non compliance will file on tuesday , tried to do on line but ran out of word space , cost though came to £30 for fees, as i am claiming £30 compensation for time of research and postage and phone call!!, they contacted me asking to phone then , but it goes straight to answerphone asking to leave message but no one has yet returned my phone call, also the card service, customer service dept say my account is now held by MBNA as of last june, but i closed the account in April'06 so they could not send statements, but they already have i am just missing some from Aug'04-may'05!!!! confused i am !! as this happened to any one else??? anyway i will see what happens after i file on tuesday! happy easter victoria

brief update!! I proposed to A&L 10 days ago when they stated they where going to close ouraccounts, i asked that they kept our Joint account open no joy they than to close next weds, so i have now lodged a compliant with the FOS posted yesterday heres waiting!:-|

well quick update, Alliance did not agree with my proposal so i have now filed with FOS with regard to account closure so let see what happens!!

well even more success after complaining re credit file they have agreed to amend my record of the derogatory info they put on re missed payments i have checked my file and it has been cleared !! thats two down i to go (A&L dragging their feet)

can any one tell me how much it cost to file N1 under section 7 failure to disclose i placed this thread in general forum ICO Help but no one has come forward with a response ,filed a final demand to BOS if no success will file this week N1 can some one help with regard to HOW MUCH IT COSTS?

bump bump!!! can anyone answer my question how much does it cost to file N1 under section 7 of DPA failure to disclose?? as no one responded i wrote a final letter requesting data hoping someone would help with my question!!!!!

they will normally pay up around 28 day mark if not sooner don't panic a cheque will arrive soon , i did not have to file AQ and if you read around some threads very little of us got to that stage, just make sure you have a parachute account open because they will close it but you can contest it which what i am doing , (just received letter saying they are looking at my complaint!!) good luck i think you will have a happy easter!!

well done with regards to closing account they will write and give you 30 days but you can contest this see the thread in AL forum with regard to FOS ruling Good luck

bump!!!

how much was your court costs?? i have a similar problem with BOS just filling in N1 but not sure of cost can you help?

i have decided to to file N1 for failure Under section 7 DPA for non compliance to my SAR and chaser letter, i have filled my form in but not sure of court cost ,local court now closed so unable to phone until monday just wondered if anyone on the site may have the answer, i sure my claim when statements are forwarded will be no more than £100 thanks

just had my letter from A&l saying thet are going to close the account in 30 days, replied back saying thanks, but FOS have just fined you etc i wish to leave the account to furnish my Mortgage etc also please ammend credit file data and refund my charges you have just applied to my account lets see what happens!!!

just a quick update, i requested that they removed the bad info on my credit file it took two phone calls and two letters but it worked so word of advice check your credit file and complain!!

see bong's thread in HSBC she has just won 13yrs and interest it is very long thread but some good advice

what you can claim is 1, excess overdraft fee 2, bounced cheques 3, failed d/d or s/o also debit intrest related only to the above you can not claim arrangement fees or subscription fees etc hope this helps vicmar

well done its been a long haul for you enjoy!!!

word of advice please make sure you read several threads and the FAQ's this will answer most of your question use Vampiress excel spread sheet as this will calulate all interest (including the 8%) keep it upto date until you file your MCOL you can only add the 8% at time of filing MCOL but when sending letters pre lim and LBA you add the overdraft interest only have a good read you will find all the answers on the site best to look at success as this will highlight the surprises A & L will tryto put you of!! GOOD LUCK Vicmar

bump so to make it easier to find!!

its probably me i just want to be sure i am 100% clear i have down loaded N1 and copied / printed of the particular to add to the N1 will file this week at local court! and will see what happens!