We are also with Roof Top and they are fleecing us for lots of Charges. Has anyone got any upto date news! Would like to here from you. Regards DS

Hi Guys Has anyone ever claimed sucessfully againts Mortgages PLC! Would like to hear from you if you have. Thanks DS

You have certainly given the court something to think about. GOOD FOR YOU Wish you luck and look forward to hearing your progress. Regards DS

WELL DONE ... I hope that I will win when I send my claim to Cap One How did you deal with the differing rates of monthly interest..... help please! Thanks DS

Hi, How did you work out your contractual interest! Thanks DS

Hi Guys I hope someone can help me with a few pointers. Just getting my claim together and listed all my charges for CAP ONE on the spread sheet, but the calculation are for 8%, they have charged a minimum of 11.9% in the earlier days and now it varies from month to month. Can someone explain in plain english how to tackle this. They now show the charges as monthly interest at say :- Purchases 0.865% which varies from month to month. Also, it may be of INTEREST for you all to note that when I went back through my file - I have kept everything, I did notice some 5/6 years ago that my interest rate suddenly changed, I did write at the time and eventually got a refund on the actual rate of interest, this I found a little worrying. Some months later they changed the format of their statements and they now show a monthly rate which I now notice has changed vertually every month. has anyone else experienced this. About 4/5 years ago when I once drew cash which was needed urgently out on CAP ONE - do you know I am still paying a small amount of credit each month for this - can this be right! This must have cost me an arm and a leg! Thanks DS

Hi Glenn I am fairly new on this site and have noticed from reading different threads you always crop up with good advice. So I wondered if you could advise me on how to work out interest on credit cards especially. For intance GE Money is something like 29.8% how do you deal with the calculations as the sppreadsheets on the system all seem to to be geared to 8%. Also, Capital One, I have noticed use different rates during a 6 year period so how can you reliably work these out each month. I am a little confused and want to get my claim right. I am also going to have a big GO with SHABBEY as they owe me big time. Look forward to hearing from you, Regards DS

Have been reading your progress and would like to wish you Good Luck with your case against Shabbey. Look forward to hearing your result in due course. I am just at the start of getting back what was rightfully mine before Grabbey got their hands on it! Regards D

Hey well done - good on you, you stood your ground. I am just at the start of getting Shabbey back where it hurts. Regards D

Well Done, it was well worth the challenge. I am just at the start but aim to hit Shabbey where it hurts, I don't mind advising them that push me to go to court I will have the press with me! They are quick enough to take our money ..... now it's OUR turn to get revenge. How many times have we all suffered at their Grabbey hands! Regards Denise

Thanx for your help, I will take what you have said on board and I will go and get my money BACK!

Thankx for your help, I will take it all on board and I will get them!

Abbey Another Quirk Discovered! Hi Guys Have just joined this forum and I wanted to share with you all another one of Abbey's quirks as well as getting your help! I made a bill paypayment to leave my account on the same day as I knew I had a cheque clearing on that day and also 2 bacs payments were also due in on that day as cleared credits in my account. Two days later I receive a letter from their operations department to say that I had insufficient funds to make the bill payment. Although on this occassion they did not charge me. This was I thought was impossible since I had enough cleared funds on that day. I raised this issue with their call centre in India - what a nightmare! eventually after a frustrating 30 minutes of time wasting someone who understood me took up my complaint and eventually called me back and explained to me that the money clearing in the account did not clear until 9am that morning but bill payments were scheduled to go out at 1 minute past mid night, therefore they said that I did not have funds at a minute past midnight. But surely in my eyes a day is 24 hours so cheques clearing and BACS payments should all clear at a minute past midnight. This posses another problem, that, has this happened before and have we been charged for these quirks in their system. I know myself that Abbey have charged me on many occassions ££££ssss of bank charges and apart from them overcharging have they been grabbing extra charges due to this particular quirk. I have been given £10 so far for this - but watch this space as I fully intend to recover all that is owed to me. My only concern on the bigger issue, is that from reading some of your postings Abbey have closed accounts! can they do this! Has anybody checked the terms and conditions for them closing accounts! is it legal! Finally, when one tries to recover the bank charges do you recover the whole amount or the amounts over and above that the OFT have said what is acceptable I beleve that they say £12 is an acceptable amount I look forward to receiving any feed back as I am just at the beginning of recovering what is rightfully mine!!!! Regards Denise

Abbey Another Quirk Discovered! Hi Guys Have just joined this forum and I wanted to share with you all another one of Abbey's quirks. As well as asking for your help!! A few weeks ago I made a bill paypayment to leave my account on the same day I knew I had a cheque clearing, also 2 bacs payments were also due in on that day as cleared funds. 2 days later I receive a letter from their operations department to say that I had insufficient funds to make the bill payment. Although on this occassion they did not charge me. This was I thought to be impossible since I had enough cleared funds on that day. I raised this issue with their call centre in India - what a nightmare! eventually after a frustrating 30 minutes of time wasting someone who understood me took up my complaint and eventually called me back and explained to me that the money clearing in the account did not clear until 9am that morning but bill payments were scheduled to go out at 1 minute past mid night, therefore they said that I did not have funds at a minute past midnight. But surely in my eyes a day is 24 hours so cheques clearing and BACS payments should also clear at a minute past midnight. This posses another problem, has this happened before and have we been charged for these quirks in their system. I know myself that Abbey have charged me on many occassions ££££ssss of bank charges and apart from them overcharging have they been grabbing extra charges due to this particular quirk. I have been given £10 so far for this - but watch this space as I fully intend to recover all that is owed to me. My only concern on the bigger issue, is that from reading some of your postings Abbey have closed account! can they do this! Has anybody checked the terms and conditions for them closing accounts! is it legal! Finally, when one tries to recover the bank charges do you recover the whole amount plus interest or in accordance with OFT - I believe they say £12 is an acceptable amount the difference on each transaction. I look forward to receiving any feed back as I am just at the beginning of recovering what is rightfully mine!!!! Regards DS

Hi Guys Have just joined this forum and I wanted to share with you all another one of Abbey's quirks. A few weeks ago I made a bill paypayment to leave my account on the same day I knew I had a cheque clearing and also 2 bacs payments were also due on that day as credits in my account as cleared funds. 2 days later I receive a letter from their operations department to say that I had insufficient funds to make the bill payment. Although on this occassion they did not charge me. This was I thought to be impossible since I had enough cleared funds on that day. I raised this issue with their call centre in India - what a nightmare! eventually after a frustrating 30 minutes of time wasting someone who understood me took up my complaint and eventually called me back and explained to me that the money clearing in the account did not clear until 9am that morning but bill payments were scheduled to go out at 1 minute past mid night, therefore they said that I did not have funds at a minute past midnight. But surely in my eyes a day is 24 hours so cheques clearing and BACS payments should all clear at a minute past midnight. This posses another problem, that, has this happened before and have we been charged for these quirks in their system. I know myself that Abbey have charged me on many occassions ££££ssss of bank charges and apart from them overcharging have they been grabbing extra charges due to this particular quirk. I have been given £10 so far for this - but watch this space as I fully intend to recover all that is owed to me. My only concern on the bigger issue, is that from reading some of your postings Abbey have closed account! can they do this! Has anybody checked the terms and conditions for them closing accounts! is it legal! Another question is has any one tried issuing a Statutory demand for the money in connection with claims for recovering these bank charges which I believe could be another avenue. Has anyone tried this route. Finally, when one tries to recover the bank charges do you recover the whole amount or in accordance with OFT - I believe they say £12 is an acceptable amount I look forward to receiving any feed back as I am just at the beginning of recovering what is mine!!!! Regards Denise