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Bugger sent the letter this morning with a breakdown of the interest (8%) added. Total came to £372.11 )52.11 squid interest. I had been sitting on it a while and had gone through all the forums looking for info. Got to the SH from Vampiress and it said "throughout the claim with interest". Buggered it up there. I hope it doesn't get me in trouble:(

Guys Got the staments from Barclaycard. Worked out the interest using Vampiresses spreadsheets which came to £320 Did not put any interest on the charges (used the basic form without the ineterest calculator) Have read all the step by steps which say NOT to claim interest until the LBA. Did I get it right here? I may be asking stupid question here but need to make sure so that I don't mess it up..... Look forward to hearing from you

SAR sent to Barclayd cayrd 17/09/06 Reply recieved, WITH statements 28/10/06 Problem: they oly go as far back as 2004 and no further. Something to do with microphiche storage blah blah an bank charges only being introduced to thses accounts in 2001. So they say that all the info I require is on the statements they have sent. Hmmm I forgot I had archived a lot of statements when I moved hose and so the dig began last night. Found a few and still looking. Current total stands @ £260 Do "exceeded limit charges" (£20 a pop) also count as I will be doint the spread sheet later? And is it the same (spreadsheet) as it is for the banks. i may need help with getting the chrages totted up and so on so if any ideas please post Ta;)

Ok Ta I hope I posted my last note in the right threads yesterday

Sent SAR 17/09/06 or was it 17/10/06 cant remember but its under the thread "Zzeds journey" Recieved letter from debt collector demanding that I call them in 48hrs to arrange new payment amount as I'm paying too little. (Debt is with a debt management programme as I was falling behind and getting deeper in D*D* with the charges interest etc) 24/10/06 Called debt collector explained situ with debt management and sending new I & E (income & expenditure) 27/10/06 Got letter from CitiVisa asking for ID and confirmation of address including a 4 page form to fill in + reminder that they WILL use the £10 fee for SAR. 28/10/06 Filled in form, attached copies of ID and sent off with letter to reiterate that payment had been made before...... Waiting to see

Hi guys Just to inform you on the progress of my journey. Sent SAR to HFC on 17/09/06 Recieved letter from the debt collector to whom the debt has been sold(LDC) regarding the settlement offer I had made and a demand to see my income expenditure before they agree to the figure. Trouble is I never asked for settlement, just wanted staetements regarding financial dealings with HFC and the letter had gone to HFC not LDC. Sent letter to LDC asking for clarity regarding the statement in the letter, "further action will be taken"and resent letter to HFC asking for statements. The account under a debt management programme which I have been paying for some time now so why this I dont know. It looks like HFC have got the debt collector to scare me off as they know I can't settle it. Any ideas:confused:

Hi guys new developments here 1.CitiVisa (Associates) Reply to SAR recieved. Further information to ascertain identity required as debt had been moved to a debt collector.Cheque returned as well. Got a rather interesting form to fill in too and have to send copies of bills and ID. Sending the information today. Hmmm 2. Barclays Bank Agreed to send me bank statement free of charge. Cheque returned but statements to follow. They do say, however, that some information between 99-2000 is on microphiche/manually stored and will not be available. Hmmm. We will wait and see. 3. HFC Sent the heavies to ruffle my feathers. Their debt collector has sent me a letter saying they need to review my income before I settle. I had not asked to do this only for the statements. Anyhoo, wrote them a letter clarifying that I have asked for statements and not settlement. Also, they want more money that I actually owe (coz they have not been charging interest on the debt they say). Not gonna happen. They asked for Income & expenditure evidence and I pointed them in the direction of the debt manager (the debt collector that is)...... Hmmmmmmmm. Still nothing from HFC themselves though. Another letter sent to different address. 4. RBS MINT Resent letter 27/10/06 to MR R.H with cheque before THEIR 3 week deadline. Still waiting..... 5. Barclaycard Nothing, Nyet, NADA, Zero, Nought, Diddley squat from them yet. Maybe today hey..... Got a bit scared by the debt collectors demanding info from me. I do have a nice arrangemnt in which I pay off the debts without any new interest added. I have paid of 35% of the overall debt. Don't want to rock the boat as I'm doing well and am on target to finish real soon guys. I will go ahead with them all still as I could finish earlier should I get the rebates. Aluta continua

RBS Advanta-MINT (SAR SENT 16/10/06) Got a response from MINT (RBS) saying that I had not put in the cheque(True) Ran out of cash and didn't want my new bank to hit me with a charge so left it out, giving them option to respond. Well they have and I've sorted one out. Post it today ha. Here's a quote: "If you have any queries please do not hesitate to contact me, although if I do not hear from you within the next three weeks it will be assumed our assitance is not required." Yeah right. 24hrs and the letter WILL be on Mr R Hs' desk..... Aluta Continua

Considering that the charges incurred on all my accounts pushed my overall debt up by £4500 (i looked at the details on the record that I STILL have)..... Hell Yeah Should make for a nice Xmas if ALL charges are repaid but still, as close a possible to that amount would be great. Thanks guys and please keep up the good work

Still waiting guys. Been a whole week now and nothing yet. I hope that I sent the right letters and to the right addressed (Should not be too hard. Just cut and pasted from the templates and edited accordingly) One thing though, the Credit cards letters though, I sent the same SAR as for the banks but heavliy edited to conform to what I wanted to express to them. Is that ok? Oh and HFC, I sent an e-mail as I could not find the address for the blessed bank (None given even on their website). Any hoo, they did respond and said they will be dealing with and will respond within the time given.... Hmmmmmm We shall see:confused:

Thanks Lively I just don't understand how they have been allowed to do this, which has driven people further and further into debt. Anyhoo, will keep you posted

Hi guys just to let you know that I've started byu sending out my SARs to a all my creditors bar Egg today. After falling behind in 04 I had to get a debt management plan in place begiining of 05 but had accumulated about 5k total in interest on loans, ODs and credit cards. I'm trying to claw it back (any of it will be fine) as I've been paying it back since May 05 and any reduction would be good. I've left Egg out for now as i need a little more info. Here goes: HFC loan a/c : SAR sent 17/10/06 RBS MINT c/c : SAR sent 17/10/06 Barclays Bank O/D : SAR sent 17/10/06 Barclaycard c/c : SAR sent 17/10/06 CitiVisa c/c : SAR sent 17/10/06 May the force be with me. You guys have been great but the site may need a little improveing particulalry in navigating it. I kept getting lost looking for some info regarding addresses for these institutions. Other than that it's very informative and helpful. You WILL be getting my donation WIN/LOSE. Ta Zzed

Does anynone have the contact etails for HFC?

Guys Hello New guy here. I want to get into this now as I had my account closed by Barclays in 2005 after I had gone over my agreed limit. problem is they had kept piling on the fees and charges that whatever I paid in never paid off the actual debt. I've got this with HFC, Egg, RBS and Barclaycard and had to go into a debt management programme to stem the tide. I've paid 30% of what became a £20K debt but feel that a large part (about 4-5k) was just charges and that makes my blood boil (oh and HFC had a 2k loan protection fee which was a part of the debt but when I cancelled it they said it still had to be paid off) I need templates people so I can start the process:???: