This topic was closed on 09 March 2019. 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 09 March 2019. 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 03/08/19. 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 03/07/19. 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

:-)Most things electrical that you buy from a LIDL store has an automatic three year guarantee - and it will, no doubt, be considerably cheaper than the John Lewis alternative

Thanks for your encouragement 'Hillards' I'll try and get my head round it all again - also having problems with Barclays - I don't think the left hand knows what the right hand is doing there - though I can imagine (wunch of bankers that they are!) They sent my hubby a letter one day re his overdraft which they claimed to be -£314 then the next day a statement came showing no transactions within the statement period but the balance was -£308 (the statement was dated the day after the letter!) - but thats a whole other story. Like the Hillards bit by the way - boy does that bring back memories. . . .

Haven't been intouchfora while - illness / no job / stressed to hilt etc.... Anyway had a letter back from Halifax after I'd sent LBA saying they would repay nothing - however thats when life went a bit belly up and didn't take things any further! My head is on right again now (I hope) and I wonder where I can go from here. Can I start again though move things on 12 months and make a fresh request for repayment of charges from a later date than my original request - or is it all fubar and am I gonna spend the rest of my life skint?

I'm gonna try with a request for repayment of charges letter - is a CCJ same as a default notice and should I ask for this to be removed or am I just getting it all wrong?

CCJ is from August 2005

Can someone advise please on the above please? I don't want to foul this up and lose my house for the sake of £450!

Story so far: - Was issued some time ago with CCJ by GE Capital (First National Home Finance) for outstanding monies on a loan Agreement made to make payments and action put on hold - Happily continuing to make payments Write for statements out of interest to see what charges have been made in past by First National. Amount is made up of ‘unpaid DD fees’, ‘Final Reminder’, ‘Default Notice’, ‘Calling in Notice’, and ‘Instruction to Solicitor’, and including £598.88 Legal Fee. Recently we have been struggling to make payments due to other issues and Friday received a letter noting failure to adhere to repayment intentions and seeking to enforce the Order for Possession. ‘To avoid this action being taken, it is imperative you contact these offices within the next 2 days. ……. Please do not ignore the contents of this letter’ The amount outstanding is now less than half of the total amount of charges. I telephoned the office today to advise that firstly I found the request to contact the office within 2 days unreasonable as the letter hadn’t been sent recorded or registered and they had no guarantee that it would get to me within their timescale. I failed to mention how threatened I felt by this. I also advised that I would be responding to their letter in writing. The nice gentleman asked why I couldn’t discuss it on the telephone and I told him that I disagreed with the amount owing and would prefer to put it in writing. (I tend to get a bit flustered and sometimes find it hard to think on my feet) He asked that I do this as soon as possible and I advised him I would be sending my letter by recorded deliver tomorrow. Basically I now want to submit the request for repayment of charges. I realise that they owe me more than double the outstanding amount but to cut the cr@p I would prefer for them to just call the debt satisfied. Because a CCJ has been issued is this a default entry and do I need to ask for the entry to be removed from the register or is it classed as something else? Helpful comments asap would be gratefully received.

Did you get any response from your LBA? I was offered £252 against a claim of £1200 which I declined. I then sent my LBA and they sent a letter saying basically that they had no intention of giving me any refund whatsoever. I too am nervous about completing my moneyclaim form. I need to check how much it will cost - car is off the road at the moment and just about to swallow up another £350 to get it fixed. The £1200 the Halifax have kindly been saving for me would go down well at the moment!

As my daughter says at the end of her Brownies meeting 'Go well and safely' Thanks for your help and inspiration - (I will get some money back I know!) T

Had further telephone call from Halifax, the very nice lady asked how i would feel with an offer of £100 - I answered 'not very happy' then she said she could the maximum she could offer me would be would be the highest amount of charges accrued over a six month period within the last six years which came to £252 'would this be acceptable?' - I, of course, replied 'no'. I have since submitted my LBA and am now waiting for any further calls / letters. If she was happy to increase her offer by more than 150% within the space of a few seconds I'm hoping that, ensuring I go about it the right way, I'll get the whole £1270 back before too long.

Kath This letter sounds like the one I received today - have you heard anything else from them since your LBA? Traisi