bookmarking.... its a really interesting thread... i am on benefits never claimed my bank charges due to marriage breaking down etc...

you will be ok I hope someone from this forum will give you the support... i live in N.ireland so its not possible for me to make the journey

I dont live in your area but will be thinking of you on thursday

No i was not in arrears ... my marriage broke down and my ex hubby didnt pay his credit card bills (with halifax) didnt pay the mortgage (with halifax) the house was sold ... the first thing i got was my overdraft was being taken off me .... the next was my credit card wont be renewed! i never missed a payment .. maybe one or two in the last two years... the house wasnt repossed I managed to get it sold before that happened!

bookmarking... halifax told me they are not renewing my credit card but continue to charge me interest

the negative thing about static caravn ..(well i dont know if its the same in england as it is in N.I) if you want to sell it you have to sell it to the caravan site owner and he gives you rubbish money on it... I bought a 23K caravan three years ago and had to sell it for the matromonial settlement and he offered me 6K for it i was furious!!!! cos no way it is worth 6K but i was not allowed to sell it privately

thank you so much for the link! i was on champax and protac went crazy... came off both tablets and hit self self destruct button and lost my four kids was thinking am i mad??

I got a visit from the child tax credit saying I owe them £7,000!!! because i never filled in the forms in 2003! and now they are threatening me with court! i am a single mother on benefits what should i do?

Does anyone know if N.I courts are staying claims?

wow!! congratulations!! i fell by one of the ones that fell by the wayside got my statements never went any further after reading that you won it is giving me a kick up the Back**** to send my LBA tomorrow! I am really pleased for you! :D :D

Is the court still on for tomorrow?

At this stage just the late payment charges and over limit charges.... interest is only added on at the court stage... good luck!

You leave out the interest until you get to court stage

I had a tesco visa and cleared it 4 years ago, I dont have their address to send the DPA but I do have the account number can anyone help?

Have you sent off the DPA letter along with a £10 fee?

Stick to your own timetable and send off the LBA

Mine was cashed on the 15th October and I still havent got anything yet:( they are making me wait 40 days and 40 nights its due by 20th November

Oh no! feb ???

All the best for today eek

Thanks Sev, what do you mean a copy in Donna Pumfrey and Michael Rhodes?

Yes, I am the same I need to know facts and figures and also about the credit card insurance that started 18months later without me signing for it ... how come I never noticed these things before!!

I sent mine to MBNA on 17th October and got the same letter as you did and today they sent me my statements and my cheque back and a good will payment of £230!

I got my statements today from the MBNA along with my £10 cheque and a letter saying as a goodwill gesture they have returned £230 to my account and expects me to honour the revised agreement and I do not thy will have no alternative but to cancel the card and formally terminate my credit agreement! I added up the charges and it comes to £465..... is it worth it to ask for the £225? I have had the card since 2003 and somehow from Aug 2004 I have been paying credit insurance fees!! I dont remember entering into any agreements 18months later! What would be the best thing for me to do now regarding the insurance and the remaining £225?

me neither:D

Noli nothis permittere Te terere Am i right in thinking this tranaslation means... Don't let the b*****s get you down its been years since i did latin!:-?