Having successfully reclaimed PPI for son-in-law from both a loan and credit card from these chancers now I would like to reclaim the packaged account fees they fleeced from him over the years. Have all the information for claim from a SAR - appears to have have one for years with the fees increasing over the years - no letters or information in the SAR relating to benefits/selling process - was just told and accepted he need one - was very naive financially and has paid lots in fees over the years - all under control now with help from CAG. I would like to know which spreadsheet to use. In addition any links to threads or information relating to reclaiming would be greatly appreciated - have looked at the FOS case studies which are somewhere on the site. Thanks in advance, Intend.

Hi, Just looking for some advice before I decide to contact/ pay Harlands. I took out a 11 month membership with Xercise 4 Less gym last year but didn't really use it so decided to cancel. My SnapDDA membership email states: The following payments have been taken by direct debit: I have made my 11 monthly payments and am therefore outside of contract. I cancelled my direct debit. I realise I should have contacted Xercise 4 Less to cancel the membership BEFORE cancelling the Direct Debit. I then received a letter stating: I have since also moved home and letters are currently going to my old address (my tenant kindly keeps them for me monthly). Please could anyone advise me on where I stand with all this and what the best course of action would be for me to take. Any advise and help would be greatly appreciated. I was thinking along the lines of this taken from Shabba180s thread: Im thinking of sending a copy via both email and normal mail to both Xercise 4 Less and Harlands: operations.manager.bolton email Xercise4Less Unit 1, Kirkstall Industrial Estate Kirkstall Road Burley Leeds LS4 2AZ c.service.icsharlandsgroup.co.uk email Harlands Services Ltd 2nd Floor, Rockwood House 9-17 Perrymount Road Haywards Heath West Sussex RH16 3TW I am in 2 minds whether to just pay the £34.99 and be done with all the hassle of sending further letters/ them adding on constant charges and taking possible legal action in future? How successful have people been in challeging their fees and has anyone been taken to court/ legal action taken against them? If I did want to just pay the £34.99 and be done with it what is the best way to ensure I get a proper cancellation/ no more demands from them? Many thanks in advance

Despite the new bailiff regulations having been in force for over 18 months, it is very worrying to see that a number of the 'Beat the Bailiff' Facebook pages continue to advise the public that if an enforcement agent is enforcing a judgment that has been transferred to the High Court, that the agent cannot charge VAT on bailiff fees. Such information is inaccurate and highly misleading. In April 2014 the Taking Control of Goods (Fees) Regulations 2014 were introduced and provide for statutory fees that can be charged by enforcement agents. In relation to county court judgments transferred to the High Court for enforcement, the statutory fee scale provides that the enforcement agent can charge the following fees: Compliance fee: £75 First enforcement stage: £190 (plus 7.5% on amount over £1,000). Second stage enforcement: £495 Sale or disposal fee: £525 plus 7.5% on sums over £1,000 The Taking Control of Goods (Fees) Regulations 2014 were laid before Parliament on 4th January 2014 and came into force on 6th April 2014. It was not until shortly after the regulation had been laid in Parliament that HMRC finally resolved the issue as to whether or not VAT should be added to bailiff fees. On 26th March 2014 (two weeks before the regulations came into effect) the Ministry of Justice released their official guidance on VAT. This followed official HMRC approval and agreement. HMRC amended their internet guide a short while after.

Hi, I was visited today by two bailiffs form the company Court Enforcement Services Limited pertaining to the payment of a business electricity bill. I had not received a letter or other warning of the visit which was to my home address and not the business address. My residential address is used as the registered office of the business, hence their knowledge of it, however it is not my property (it is jointly owned by three family members.) I was upstairs at home when the bailiffs entered via the unlocked back door (I believe this is their right?) They told me that they would be taking £3367.58 (they didn't give this exact figure initially) worth of goods or money for enforcement of a High Court writ for the electricity debt of £2300. During our interaction the bailiffs referred to themselves as "The Court Enforcement Service" which I think is deceitful and an attempt to portray themselves as officers of the law rather than employees of a limited company, which is apparent form the documentation they gave me before they left. I asked for some documentation pertaining the the Order or Writ that they were carrying out and was shown an illegible document on the screen of a phone which was heavily cracked. They had no other paperwork to offer. They asked me (more than once) if I was refusing to pay the bill. This is not the case and I had previously spoken to a representative of my electricity provider in person regarding the debt and did not know that the utility company had applied for a court order. (I have the funds to pay the £2300 to the utility company directly and acknowledge that this is what my company legitimately owes). I told the bailiffs that there was money in the safe a the business premises (which there is) about 10 miles away, but I could not get hold of my business partner to ask him to access it as his personal phone wasn't answering and the business was shut at the time. I was told that this was irrelevant and that they (the bailiffs) would travel to the business premises and break the door down in my absence to take goods to the value of £3300 if I didn't pay up. In the end I paid their demand via direct debit as I did not want people breaking into my business premise and was issued a receipt which is how I found out I was dealing with Court Enforcement Services Limited and not "The Court Enforcement Service" (LOL). After the two gentlemen left I consulted the CAB website as to the fees which bailiffs may charge. From the CAB site it seems that the maximum they could levy is around £360 (which I would dispute anyway as I have not reneged on payment in the first place and was unaware of their impending visit). However they have extracted a fee of £1000 which I only acquiesced to under the threat of a break in at my business. I am considering having my bank cancel this payment. If anyone can advise on theese issues it would be much appreciated. Thanks.

I am seeking some advice, I signed up for a gym membership in January 2015 under a 12 month contract in GymEtc Preston, Lancashire. In May 2015 I had to move back to Northern Ireland I asked a receptionist at the gym if I could cancel my membership but they told me I couldn't as it is a contract I took their word for it. As I was moving and had no job to go to I had to cancel the direct debit. I cancelled the direct debit in May 2015, my last payment was 1st May 2015. Harlands/CRS act on behalf of the gym (which I wasn't aware of at the time of signing up) they then started sending me letters chasing me for money - a total of £410. I agreed to pay them £15 a month beginning October 2015 and because I was paying instalments they charged £2.50 per installment which then added another £100 onto the balance making it £510. It wasn't until recently I started looking into this more and reading reviews on Harlands/CRS, which aren't good as all. I had already paid 4 installments of £25 to the gym before I cancelled the direct debit. If I had of stayed with the gym at £25 a month I would a paid a total annual cost of £300. I then called Harlands/CRS to see why the amount was so high to which they said there were 9 months of payments left on the contract totalling £225. Also 2 x £25 for missed payments, a debt recovery fee of 36% which was £99 and £36 for tracing me to my new address. The only terms and conditions of the gym mentioned on their website are; - If you fail to pay any monies due under this agreement or if any Direct Debit is returned unpaid or any cheque is returned unpaid or if any other form of payment is not honoured for whatever reason , you shall pay us on demand an administration fee of £25 (which we require to cover our costs of seeking to pursue such payment from you). - If you fail to pay any amount due under this agreement for a period of more than thirty days , then we may pass the debt to a third party company for collection. The reasonable and direct costs incurred in employing the third party company will be borne by you including costs in tracing you if you have changed your address without telling us. In the terms and conditions it states: CANCELLATION •Relocation: This agreement can be cancelled in the event that your new permanent address I s more than 15 miles away from the facility upon receipt of a copy utility bill or bank statement showing the new address. I have since spoken to the gym and they have waived all their fees and said they would backdate any debt agency fees for my relocation to the month I moved (May 2015). I have already paid Harlands/CRS £105 and they are still wanting £99 for their fees. Are the fees they are charging enforcable by law from what is mentioned in the contract terms and conditions? I contacted the FCA to see what they could do and it turns out that Harlands/CRS are no longer regulated by the FCA so they can't do anything about it, however they were regulated by the FCA at the time I became a member of the gym. They said any rules would only apply if the agreement with the gym was a consumer credit agreement, which I emailed the gym and they have replied saying it is a consumer credit agreement. I then complained to the Financial Ombudsman as stated in my terms and conditions that I could do so: "CONSUMER CREDIT ACT 1974 (”THE ACT”) You have a right to complain in relation to consumer credit matters to The Financial Ombudsman Service. CRS sent me a letter to confirm the receipt of the complaint to the Financial Ombudsman. They also added, Please be aware that the contract you entered into is not a credit agreement and therefore outside of their jurisdiction to deal with. We can confirm the administration fees of £25 are stated in your contract. It is also stated you would be liable for our debt recovery costs and trace fees. In view of this we maintain that all fees are valid and legal." They have attached a copy of terms and conditions which are Harlands terms and conditions and not the gyms, which is not what I signed up to originally. Then they have also increased the balance from the agreed £99 to £212.50. The issue is no longer regarding the gym as they have waived their fees from the month i moved back home to Northern Ireland. The gym have told me it is a credit agreement, Harlands/CRS have told me it's not. I have already paid them £105 and they are still wanting £99, plus for paying that back by instalments another £2.50 per instalment charge would be added!!! I don't want anything going on my credit file and definitely not a CCJ/DEFAULT. What should I do? ***PLEASE NOTE: ANY PHONE CALLS I HAVE MADE TO HARLANDS/CRS HAVE BEEN RECORDED ON MY PHONE SO I HAVE PROOF OF CONVERSATIONS MENTIONED*** I would be so grateful of any help I can get. Thank you in advance

Hi, I am currently with the fos with a claim for mis-selling of account and o/d charges reclaim for financial hardship. The FOS seems to side with the bank and is asking for t&cs of the accounts I held at the time, Additions, Additions plus and Premier. The bank has lied about products provided on these accounts and I need access to welcome packs and terms of conditions for the said accounts. Any help would be appreciated. Thanks in advance

The countries expert on bailiff law; John Kruse has written in his latest Bulletin about the important subject of bailiff fees when debtors make payment to the creditor (i.e. Magistrate Court, local authority etc). This is a subject that has been discussed often on the forum and thankfully, with the regulations now having been in place for two years, most local authorities understand that if a direct payment is received from a debtor after the account has been forwarded to the enforcement agent, that the Compliance fee of £75 needs to be deducted at source and the balance apportioned on a pro rata basis in line with regulations. The position with Magistrate Court fines is very much simpler. If a debtor makes a direct payment to the court (either in person or on-line), after a warrant of control has been issued, all courts write to the debtor to advise that the entire payment has been forwarded to the enforcement agent so that they (the EA) can deduct their fees in line with legislation. A extract from John Kruse's excellent article is copied in the next post: PS: An detailed explanation of how direct payments are allocated and the pro rata distribution can be read here: http://www.consumeractiongroup.co.uk/forum/showthread.php?453047-Bailiff-enforcement-Setting-up-a-payment-arrangement-and-whether-you-can-pay-the-court-or-the-council-direct

Hi i sent a sar to barclaycard , i have just recieved there response , all they have sent is copy statements , now are they supposed to send me everything they have on file , like , default notice , signed agreement ? i wish i had kept the default notice but at the time going thyrough bad time and just ripped it up , many thanks

I had an issue with Virgin Media about early termination fees when I was helping out a friend. The way he was treated was grossly unfair - details don't matter now. However, I wrote to Ofcom about it and they said that they consider early termination fees to be fair PROVIDED they only cover lost profit - actual cost of providing the service has to be deducted for the charge to be fair. This is because, if you cancel, they are saving this amount. I wrote to Virgin Media and told them what Ofcom had said. I asked them to tell me how much it cost them to supply the service my friend was terminating so that we could calculate the fair early termination fee. We've not heard from them since. The reason for this is that the information I was asking for is highly commercial (they wouldn't want Sky or anyone else knowing this) and there is no way they will divulge it. If they think you might pursue them for this information (which you have a right to do - find my thread on getting similar commercial information from Welcome Finance), they will just go away. This is not just for Virgin Media but for any ISP, Cable TV or phone service that charges early termination fees. Enjoy!

When the enforcement regulations were overhauled in 2014, they provided a radical change whereby, a debtor could repay their debt by way of a payment arrangement (usually over a period of approx 3-4 months). Such payment arrangements need to be set up within the very strict time frame outlined on the Notice of Enforcement. This period of time is referred to as the 'Compliance stage' and as long as a payment arrangement is agreed by the date and time given on the notice, an enforcement visit will not be required, and this will save the debtor incurring an enforcement fee of £235. The ‘compliance stage’ is also the period when cases of ‘vulnerability’ should be bought to the attention of the enforcement company (and evidence provided where possible). When the Notice of Enforcement is sent, a Compliance fee of £75 will be added to the principal debt. It is important to make clear that the Compliance fee (of £75) is not a fee for just sending a letter. It is a fee that covers many different costs incurred by the enforcement agent including the setting up of Welfare Departments, training and setting up and managing payment arrangements etc, etc. The second radical change introduced in 2014 was the provided that where the proceeds of enforcement are less than the amount outstanding, that the payment should be distributed on a pro-rata basis between the creditor and enforcement agent. With the ‘Compliance stage’ allowing for short term payment arrangements, the government were concerned that this could cause enforcement agents to operate at a loss until the total debt was paid (and they recovered their fees) and that this could undermine the fee structure and could lead to enforcement agents acting in an aggressive manner in order to recoup the entire debt. It was for this precise reason, that the regulations provide that enforcement agents should be paid the compliance stage in full first, followed by a pro-rata division of proceeds. This is explained in more detail in the following Explanatory Memorandum supporting the Taking Control of Goods (Fees) Regulations 2014. http://www.legislation.gov.uk/uksi/2014/1/pdfs/uksiem_20140001_en.pdf It has been interesting to observe over the past 3 years the way in which 'debt avoidance' websites reacted to the compliance fee with literally hundreds of Freedom of Information requests being made to councils around the country questioning how each council dealt with 'direct payments' and whether they retained the payment...or forwarded it to the enforcement agent. The advice from these groups has remained unchanged...pay the council direct online the principal debt (minus enforcement agent fees). With Magistrate Court fines, in every case where a payment is received after a case had been passed to an enforcement agency, the court will forward the payment to the enforcement agent so that they can deduct the compliance fee (of £75) and apportion the balance in line with legislation. If the debt in question is a local authority issued penalty charge notice or a liability order, some councils manage direct payments in different ways. Some forward the entire payment to the enforcement agent....some forward just the compliance fee and others keep the payment. Regardless of the internal procedures, the fact remains, that paying the council (or creditor direct) does not avoid paying bailiff fees and this has been the subject of an important legal case details of which are posted below.

It would appear that Ebay is to start charging 20% VAT on fees when it changes it corporate structure later this year. Sellers with a turnover under £85,000 will not be affected. https://tamebay.com/2017/05/ebay-uk-spring-2017-seller-release-ebay-to-charge-vat-on-fees.html

Hi, I wonder if any one can give me any advice! I was enrolled into university September 2015 and was at university for around a week before I was involved in a serious car accident. The accident resulted in me having to withdraw from the course. The university provided absolutely no support to help me stay on the course as I was so reluctant to leave. I was told I had to pay £195 to them for 'Tuition fees' even though the first week I was there I didn't learn a thing! I've been paying £10 a month to STA International to clear this debt and have been for the last 6 months. Yesterday I got a letter from STA asking me to fill out a questionnaire where they're asking for all my financial details including my partners! i.e my salary and mortgage payments, car finance, gas & electric out goings. This is clearly an attempt from them to look at my finances and demand higher monthly payments from me. I contacted a STA adviser today who told me I agreed to the questionnaire when I set up the direct debit (this was over the phone), they have never had me sign anything to tie me into any sort of agreement! I told them I am not providing this information but will continue to pay my £10 a month until the debt is cleared. The adviser responded telling me they will phone, email and send letters until I send them this information back. My question is, do I have to respond with what they're asking for? will they be able to take legal action? I'm assuming not since I am paying them however I have never had any debt before and I am worried! Thanks G

Hello, I am looking for some help with regards to a letter in received from Credit Resolution Services in regards to an outstanding payment for my gym member ship ' Peak Physique Fitness in Hitchin stating I owe them £235.50 They claim I sign up via online sign up process for the membership which I advised I never had as this was with the gym were in person at the gym but they just don't appear to understand what I am telling them. They also state upon providing my bank details email address name and date of birth tjat I agree to pay £25.00 per month. I signed up March 2016 but had no paperwork at all as I just game them my debt card details and email address. They advised me that a signature on a contract is not always necessary for a contract to be formed. I been in contact with the Citizen Advice Burea and they believe this not a regulated finance agreement in place and they asked me to find out if the gym is part of a trade association - I have emailed the gym to enquire about this I never revived another letter and threatens Court Action (CCJ). They also including the handling fee of £66.50 included in the £235.35 I owe them. I know I cancelled the gym membership within 12 months but I have never been provided a contract or signed up online and the gym had never contacted me in regards this , instead I get this letter from the debt company. I see on this site it mentions a template letter but I was unable to locate it but any advice would be appreciated in regards to this as this starting to worry me alot. I rather deal with the gym direct but its very frustrating they can not provide any gym contract or nay durable form to back up there charges.with the gym were in person at the gym but they just dont appear to understand what I am tellling them. I signed up March 2016 but had no paperwork at all as I just game them y debt details and email address. They advised me that a signature on a contract is not always necessary for a contract to be formed. I been in contact with the Citizen Advice Burea and they believe this not a regulated finance agreement in place and they asked me to find out if the gym is part of a trade association - I have emailed the gym to enquire about this I never revived another letter and threatens Court Action (CCJ). They also including the handling fee of £66.50 included in the £235.35 I owe them. I know I cancelled the gym membership within 12 months but I have never been provided a contract or signed up online and the gym had never contacted me in regards this , instead I get this letter from the debt company. I see on this site it mentions a template letter but I was unable to locate it but any advice would be appreciated in regards to this as this starting to worry me alot. I rather deal with the gym direct but its very frustrating they can not provide any gym contract or nay durable form to back up there charges. Gym arrars letter.pdf

Hi I have been reading the following thread forum thread 353395 - Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits (Will not allow link) and have been trying to locate the initial letter sent to the bank, before action However there is a link at the first comment at the top of the page yet it simply goes to the forums titles and no letter I wonder if anyone can help at all as i wanted to send to my bank to see if i could stop monthly overdraft fees occurring which because i seem to be in overdraft most of the time, i always receive at least £33 in fees every month from their £1 per day overdraft fee and is quite a chunk from my ESA payments i receive Any general advice will also be greatly appreciated Many thanks for your time Regards

Hi All I have opened a claim for refund of Additions account fee's and have received a questionnaire to complete; which I would like some advice on how best to proceed. Here are some background details first: I first became aware of Package Bank Accounts last year when a colleague at work told me that he had reclaimed some money. I was shocked; having only ever banked with barclays for the last 24years I genuinely thought that I had to pay for my bank account and that the insurances etc. were free perks. I decided to pursue a claim myself; I only have statements from 2011 I did an SAR request on the internet in around May last year. After 45 days I had not heard or received anything I rang the number given on Barclays site; the telephone banking agent gave me a number to ring for the SAR team. I rang the number several times but it was a dud number. Made an appointment at the Bank, spoke to an advisor who gave me an SAR request form to fill in; I filled this in and sent it recorded delivery with my cheque for £10. They received the form but again after 45 Days nothing. At this point I gave up. In December I recieved the letter from Barclays saying Additions was being removed and offering the Fee Free Account; In January I went to the bank and cancelled the Tech and Travel pack. This spurred me to look at claiming again. I read on the internet that even with an SAR they only go back 6 Years; so I thought well I won't gain much from it anyway. Is this true that they only go back 6 years? this is what I know: I opened my current account with Barclays in March 1993 at the age of 21; this was my first current account and to this day is the only current account I have ever held. Through research I found that the Additions account wasn't introduced until 1996 I must initially have had a fee free account? I do not recall ever agreeing to the Additions account; I do not recall agreeing to iot being upgraded to Additions Plus. I do not recall agreeing to the cost of the account being hiked up over the years. As long as I can remember I have paid a fee; I definitely remember it being £6.50 a long long time ago it may have even been £5.00 but not sure of this. I remember it being Additions then Additions Plus; before I opted for the Fee Free account without the Tech or Travel pack in Jan this year the fee was £16.00. Over the years the fee increased; I rember it being £13.50 at one point. I think I may have had it from the beginning before Breakdown cover was included; I know I had CPP card protection and I have a vague recollection of having a tag to go on your keys incase you lost them? I suspect that my account was upgraded to Additions from my original fee free account without my knowledge. Initially I did not have an overdraft with the account; I asked for one at some point many years after I had opened the account somewhere between 2000-2005. I only asked for a small overdraft for emergencies only and it was only a small one I would have only wanted £100 and probably wouldn't have used it in the beginning. Maybe I was conned into having additions at this point; but I am sure I already had it. Regarding the insurances; I have only ever used the Breakdown cover and only once bcause I thought it was a free benefit to an account I had to pay for anyway. I have never had any expensive gadgets or a mobile worth insuring I have never used gadget insurance. I only holiday in the UK and would never use travel insurance. Over the latter years I have used my overdraft but again only because I thought it was a free perk to an account I had to pay for. If I had had a fee free account I would have managed my money differently and could have done without the overdraft. On January the 24th I this to file a claim: Packaged Bank Account Claim: Barclays Sort code or branch name: xx-xx-xx Existing complaint reference: N/A xxxxxxxxxxx I am writing to you as I believe the packaged bank account which I have had since some time after March 25th, 1993 was mis-sold/inappropriate for me. This is because... - I don’t remember ever agreeing to having this account. - I was upgraded without my knowledge Additional information: - The addressess that I have lived at whilst holding the packaged bank account are: xxxxxxxxxxxx I have no recollection of ever having opened a package bank account. I started banking with Barclays on 25/03/1993 when I opened a current account; I think that the reason for opening the account was that I needed an account to have my wages paid into. You are the only bank that I have ever banked with and this is the only current account that I ever held. At some point it seems, my current account became a packaged bank account but I do not remember ever agreeing to this; I remember along time ago on my statements paying a £6.50 account fee which has been risen over the years to £16.00 without my consent! I thought that this account fee on my statements was exactly what it stated; a fee for my account that I had to pay to have a current account; I did not know that the fee was for the additional benefits such as travel insurance, breakdown cover etc.. I thought that these came FREE with the account and that the account fee was for the account itself and NOT to pay for these benefits; which I never requested anyway. Upon receipt of your recent letter informing me that Additions is being removed and giving me the option of removing the benefits; I have cancelled the tech and travel packs and now have a fee free account whilst retaining my overdaft facility which is all I have ever required from my bank account. [removed template details - dx] Today I recieved a reply and a questionnaire to fill in. After researching on this site; I think that my strongest complaint is that Additions was applied to my account without my knowledge or approval rather than it being mis-sold. I think that this is reflected in my Complaint letter above. Reading the questionnaire: Section A asks for details of my Package Account. Section B asks - Am I complaining about the sale of the account. - If NO go straight to Section F Selecting NO here skips all of the questions in the questionnaire and takes me to Section F - any additional information Section G - Your declaration. End of Questionnaire. Should I select 'NO' in Section B and skip all the questions. Can anyone advise what additional Information I can give? Also If the question is asked of when I became aware that I could have a fee free account and could make a complaint; should I say December 2016 when I received the letter which is simpler ( But will they be suspiciouse of my earlier SAR requests and visit to the bank regarding them). Or should I be honest and say that I heard through a colleague early in 2016 ( They may ask why it took me so long to switch to a fee free account and to make a complaint - which was because I was waiting for my two SAR requests). Any advice on how to proceed with my claim will be gratefully accepted; I will keep an eye on my thread, respond to any replies and update my progress. If I am succesfull I will make a donation to the the forum in thanks. Thankyou in advance. Alice

Just a brief overview.. I received a PCN from ES Parking Enforcement about 10 days ago. I attempted to make the payment a couple of days ago now, both by calling the number provided and on their website. It is saying that the number I have entered isn't recognised. They don't seem to make it easy to contact them, as they provide no email address (just an online form, which stated for business correspondence only. . and directs you elsewhere if you want to dispute the ticket - IAS? - but I don't want to appeal it I want the correct reference number!) I don't know how to go forward with this. I have no 'proof' I have attempted payment, so if it did go further it would be my word against theirs. I was thinking of writing a letter requesting the correct PCN reference number from them, but how much information should I include on this letter? Should I put my car registration number and date and time of issue, or just the original number they've issued me and let them deal with it. I know that sounds awkward, but they don't seem to make it easy for you, and the more I have read about them the more anxious I am getting about their response, as I don't imagine they'll still 'honour' the £60 'discounted' charge as by the time I've written to them and received a response it'll be outside the 14 days. Do I have a right to refuse to pay the 'full' amount of £100 based on the fact they have (presumably) written the wrong number on the ticket? Any advice would be greatly appreciated. Thanks

Can pre-paid debit cards get you into debt for inactivity/dormancy fees? How much can they charge you?

Hi, Hope someone can help. For Ctax 2016/17. I have been charged two fees the £75 and the £235. I'm not sure the £235 is correct as it was added three days after I started making payments, and without any entry into my home for control of goods etc. In fact when it was applied there was no mention of control of goods. Could someone please clear up what the £235 charge should be for? - As it seems to have been added on incorrectly. I haven't spoken to the bailiff concerned yet as I wanted to check my facts before doing so.

Hello, I posted on Saturday a letter to Santander reclaiming over 2 k of bank fees (template from this site) . It contained a paragraph in which you say what has happened - lot of death in my family and lost biz too. It was a very painful letter to write. (I kept it just a paragraph). Today they texted me they had been trying to call me and to call back. I hadn't answered since I am avoiding calls from anyone (not in a good place). I feel sick. Do I have to talk to them? I don't think I am strong enough to hold it together on a call (now my keyboard is wet). Kicking myself.

Broadband providers drop cancellation fees for Armed Forces personnel READ MORE HERE: https://www.gov.uk/government/news/broadband-providers-drop-cancellation-fees-for-armed-forces-personnel

Hi, I was repossessed by Kensington Mortgages in 2008, and the fee's and charges before and during this time were awful. Would it be too late for me to now try and reclaim these fee's as I now have very limited paperwork left? Thanks in advance for any advice.

Hi please can someone help me. I was awarded a suspended eviction order on 9th November 2009. Whereby the judge ordered if I had to go again I had to go before him and He would basically chuck us out (due to me being there previously) That was dated until November 2010 - Will this be relevent now. Mortgage is with Santander. I have fell behind a few times since just before xmas, but ALWAYS made it up. I am up to date with my payments. And dont owe anything til end of September. My arrears currently stand at £856.71 I have been away on holiday, and come back to a Warrent for the possession of property. Eviction will take place at 28th August at 10.20am. Santander, phoned me in on 20th July - My payments where up to date. Requested I went through a income expenditure with them - right there and then on the phone. I was at work and requested they put the forms in the post. I promptly filled them in and posted them back. Santander say today that because they didnt get them & I defaulted on court agreement they either want the Full £856.71 or the House. Please help me Please help 1 small child and a pretend teenager. Reading through some of the other threads, people have been evicted for being up to date. Really starting to panic Forgot to say I do work, and can pay the mortgage. Just messed my money up a few times this year. But It was payed as soon as, And I am up to date

very long story which I will add later today, if possible, but your question of {did you make offers to the creditor before ccj } made me think because I made the offer which they refused,and yet when we went to court they accepted the exact amount! http://www.consumeractiongroup.co.uk/forum/showthread.php?398804-Help-with-a-judgement-and-visit-from-HCEO-**Partial-Refund-Obtained** but I am not a business, just a pensioner who has now fees which like yours, didn't apply , I have now paid all but 200 which they say I still owe, did it cost you much and how did you go about taking them to court, As I am new on here I dont know how far I can go asking personal questions , but I know ,{ I am not being arrogant} that the original debt was just so flawed , and I cant seem to find out how to go about proving it, I am not disputing the money owed on the debt , but the lies which were behind it, and it need not have gone this far paying all the HCEO fees, As I said I dont know how far to go on here, with company names etc, I would like to copy and paste the costs etc , but is this allowed, because then I can explain a bit more in detail what happened? Long story , had delivery of oil which I HAD NOT ordered which was £739 , it was signed for by my partner who just thought I had ordered it, I asked them to come take back on same day, they refused and said I had signed up to their top up service, which I had not, as always paid for my oil when I had saved enough money, I couldnt afford to pay all that at once and save weekly for my oil as well, I made them 2 offers, which they refused, next thing I knew was an HCEO was at my door, with a writ I explained I didnt know anything about the court proceedings, and was just waiting for the claimant to get back to me again to see if we could come to an agreement, they had gone to the High Court which was around 200 miles form me, I had to ask him for it to be set aside, he did an inventory and went away. The original court case was 27 1 2011 and I wasn't aware until 7th june 2011 . , The reason for me posting is the fees are very high, having read some of the comments on here, are not right, and they are still chasing me for more, and keep stating about 2004 regulations . I have got an email with court papers and fees, and also a breakdown of fees, which are a joke, even more of a joke is the fact that my monthly payment which I have paid to the court is the exact amount I offered the claimant and was refused out of court on a debt and judgement of 795 with the court costs, I have now paid 65 payments of 35 .00 and DARE NOT cancel it as they told me in an email they will enforce again, For the last 3 weeks I have nearly drove myself crazy trying to find out what I can do to claim these fees back, I dont have a problem about paying the oil debt, but I do have a problem with their under hand way they have gone about it and now I am owing money to my friends who have been helping me pay this, I would be really grateful for any advice, thank you x

Hoping someone can help. I was in a payment plan for paying council tax - missed one payment so the whole amount was due - I managed to pay it all off directly to the council. However, shortly after paying it off in full. I received a letter from the bailiffs warning about an enforcement visit and adding £75 to my outstanding amount (the total amount included £300 (the final payment of council tax). I logged into my council account and balance was £0 I assumed that there was a cross-over - I left a phone message with the bailiff explaining it had all been paid and also sent an email to the council and the enforcement company. Heard nothing more, until I returned home to find a letter from the bailiff demanding £75 + £235 for a visit = £310 in total. Can they do this? Are they allowed to add charges to their fees. At a push I would pay the £75, but the £235 seems silly as they were trying to collect a debt under an order that was already paid. The council have confirmed I owe them nothing and say the fees are a matter between me and the bailiff. What do I do??

Hello I am looking for some advice but couldn't work out how to create a new post? I joined a gymtec gym in May 2013 on a 12 month contract but became unwell late 2013, early 2014 I was diagnosed with Fibromyalgia I wrote to my gym cancelling my membership due to developing a disability and being unable to use the gym due to severe muscle pain, limited mobility and fatigue. I included a copy of my consultants letter confirming diagnosis and also informed the gym I was struggling financially due to divorce proceedings and now supporting myself and my step daughter on only my income. I heard nothing but cancelled my direct debit the following month in April 2014. I the recieved a letter in Jan from CRS on behalf of Harlands to say I owed £186 for unpaid membership fees and associated charges. I wrote to the gym stating I wanted to deal with them and explain I cancelled and why I did and included a copy of my original letter and the consultants letter. I've heard nothing and had another CRS letter threatening CCJ. I've emailed the gym again and stated clearly I had a material change in circumstances that prevented me from using the gym. What should I do next? Have CRS ever obtained a successful CCJ for gym membership? I can prove I am disabled and this condition developed and was diagnosed during the contract corresponding with my cancellation I can also prove I was struggling finacially at that point too due to the divorce. I was hoping to get some advice from Slick as he seems to be the guru on all things Harlands/gym related The threat of legal action feels very intimidating but can they really do anything? Thanks