Hi Everyone, Please can anyone offer advice on how i should approach Birketts LLP . I have received a letter from them today [on behalf they clam of Amex] and was wondering should i send the I do not acknowledge a debt with your company etc or is there a better alternative ? and approach i need to follow. Thank you G

I have the statements for a Morgan Stanley Dean Witter credit card from 2003 - 2007. Each month shows they took out three separate amounts for PPI and three separate amounts for interest. I have checked with Morgan Stanley and they say Barclay's are now responsible for the account. What is the best way to get this account sorted out, claim the PPI and the overcharged interest? Which claim forms should I use? Any help would be appreciated.

Hello all, I am currently in the process of claiming against my landlord for lack of securing deposit in a scheme, as well as unfairly witholding it from me. I have filled in my claim form but am having difficulty with the interest - if someone would be able to advise me it would be very much appreciated. I moved into the property on the 10th December 2008 and a deposit of £1000 was paid to the landlord on the 15th December 2008. I moved out of the property on the 8th January 2012. 1) Do I claim interest for the deposit alone or interest on the deposit plus the £3000 compensation? (Totalling £4000) 2) Is it claimed from 14 days after the deposit was paid to the landlord and up until the date the claim is put into the court? I have an understanding that interest claimed can be calculated to a lower amount by the judge but not increased. Many thanks in advance

Hi Please can someone give me a little advice with early repayment on a Secured First Plus loan? The situation is that in Februrary 2008 I took out a 40,000 secure loan with First Plus (no PPI). I am wanting to pay this off when I sell my home this year. There should be enough to cover the loan if the interest is calculated in a normal way. I am concerned that I might have a Rule 78 loan (or something like that) and I am concerned that I will have to pay back more than I originally took out? Is there an early redemption penalty that I need to be aware of? On my agreement under Early Repayment it says something to the effect of I will need to pay back all installments and interest to the settlement date which seems straight forward but then it mentions a rebate in line with the CCA notwithstanding that this agreement isn't covered by the CCA. ?? I have tried registering with.the first plus complaints website but the registration form will not accept my email account. Which is why I came back here. Thanks

Hi all, Just wondered whether anyone could provide any comments on a situation we're having with Creation Finance. We've been paying them a reduced payment on a DMP for a few years and whilst we don't get much hassle off any of our creditors any more, I actually read some standard post from them the other day. Looking at the recent Creation statement (was an Adams store card), we're paying £20.10 per month (and have been for nearly three years), but each month they charge £14.88 in interest, meaning it's only reducing by £5.22 each month (with appriox £3k on the account, barring a massive change in circumstances, I think we'll be paying this for a very looooong time!!!) Can anyone think of a way of getting the interest stopped? They're a lender, so hey, it's no surprise they want to charge interest, but bearing in mind we haven't used the card for years and they know we're in difficulty, presumably there should really come a point where they say "ok, we've added lots of default fees etc and charged interest for 3 years AFTER they were on a DMP, lets call it a day with the interest and just let them repay the current balance" Any ideas? I've scanned and edited the most recent statement if that would help? Cheers Bill

I have posted previously on here for help with my LL from hell, and have had some excellent and much appreciated advice. However, as is with the case when delaing with such LLs, I would again appreciate some guidance. I have an AST for 6 months (ends 19 Sep) for which I pay £525.00 pcm direct to my LL. I used to pay this via a LA, but in March the LA ceased trading and my LL insisted on me signing a new TA, even though the previous TA was on a rolling contract. I was told to sign the new one, or she would serve a section 21. Since signing, this woman has been obstinate, bullying, unreasonable and intimidating (to be fair; always in writing, never in person). She has attempted to make claim for previous rent payments she says were never made to her from me, and has been very vindictive in her chasing of this money. She has attempted all number of ways to intimidate me into making payments I do not have to make by threats of legal action, threats of a claim for misrepresentation, continual references to 'criminal matters' and lying in regards to the Liquidators of the LA, whom she has offered many lies to be about so called meetings and demands from me from the liquidators. The woman is a nightmare. I dread the sound of droppage from the postbox after 12pm, as I know it will be her with one of her new harrassment letters. Whilst I have many issues with this LL, I would specifically like advice on interest charges and late fees. I have done some hunting, but there is quite a lot of conflicting advice around. In March 2011, I noticed an error on my Tax Credit award notice, which had my partners earnings at 3 times the actual amount he had earned. Despite phoning them immediately, my WTC payments stopped in April. They promised they would have the issues sorted by 20 June, but I am now being told there is a backlog and they still have not processed my backpayment due from them. When these WTC stopped, my household fell into financial hardship. Our budgets were already tight, and so I was struggling without the extra WTC payments. I am still in the same financial position. I explained all of the above to my LL, before the first late rental payment, and informed her of exact dates when payments would be made. Where I offered her such dates, I have always paid the amount promised on these dates. I initially told her 'I am hopeful that all arrears will be cleared by (but hopefully before) 20 June 2011, as this is the date that HMRC Tax Credits has given as the latest the claim should be rectified.' I have since updated her regularly on the Tax Credit situation, informing her of what has been said over the telephone, as well as letting her know when I will call Tax Credits again to offer her another update. As well as this, I have been making payments wherever possible in order that I do not fall two months into arrears and risk a PO being granted (I have a 2yr old boy, and no money to move at present). The TA states that 'any late payments will be subject to a fixed penalty of £35.00 payable immediately'. This is stated on a seperate sheet from the tenancy agreement, which lists a number of other T&Cs not included in the main agreement/small print. The small print has the usual 'to pay the LL reasonable costs as reasonably incurred.....etc'. There is also a clause in the contract to pay 'an interest charge of 4% above the BOE base rate from time to time prevailing on any rent or other money lawfully due from the T under this TA which remains unpaid for more than 14 days, interest to be charged daily from the date the payment fell due until payment'. Being the kind hearted soul that she is, when I fell 14 days late with my May rent, she activated this clause. There was a total outstanding of £265.00; to the date the rent was paid (33 days) she has added £431.46 in interest charges, a total charge of 164% of the original arrears. Whilst I have managed through begging, stealing and borrowing to clear May's rent, I am now in arrears on June's full rent of £525.00 (it was due 21 June). In a statement sent yesterday she has added interest of £496.12 on these arrears, which will continue to accrue until the arrears are paid. That's a charge of 94% of the original arrears to date, and this will only get higher. At 4.5% per day, I am accruing interest of £23.63 per day. Whilst I understand that a 4% above BOE base rate interest charge is fair, surely this is annually and not daily?! I have no hope of ever clearing this debt at this rate. She has also stipulated ion her last letter that any payments made by me will be credited to the arrears and interest in date order, meaning that even if I make a payment of the full £525.00 now (which I have no way of doing), this would actually be used to clear the £430.00+ interest charge from May, and not clear any rent. Surely this is unfair, as I will be forced to go into arrears every month as monies will be used to pay the interest and not the rental payments. Any help or guidance you can offer would be much appreciated; I am very stressed with having to deal with a restricted income at the moment through no fault of my own, and this is making a bad situation unbearable. I would also pint out that I am an advocate for paying rent; it is my first priority and it would never be my wish not to pay. The only reason I am falling late is because I do not have the money to pay. As soon as Tax Credits get their behinds into gear and make the backpayment, the arrears and late penalty fees will be paid. Many thanks in advance!

Hi all, I received my CCA from capitalone today and am not sure what im supposed to be looking for as they have sent me an original agreement (which is signed) and a current agreement which is not? Any help would be much appreciated thanks I have attached the CCA that they sent me but i also have 6 pages of printed terms and conditions that they sent. I have another post explaining why i requested a CCA in the first place ( basically capitalone are refusing to put me on a long term repayment plan and refusing to freeze interest as im struggling with minimum payments, i am paying them £1 a month at the moment but they are still wacking on the interest!) Again any help would be much appreciated Thanks I think i have deleted all personal information but if i havent please let me know asap so i can amend. thanks scan0006.pdf scan0007.pdf scan0005.pdf scan0002.pdf scan0004(2).pdf