just getting started

[carpman]

will i be asked to pay back my bank loan if the bank closes my account?

[happyolddog]

Hi Carpman,

Welcome

Quick answer is no they cannot close your account or recall outstanding debt. they have no basis for doing so.

Welcome.

Here are a few links and tips that might make the process easier.Firstly if thats your real name,please read here.

Then start the process by reading these.

http://www.consumeractiongroup.c o....se-read-these/

 

Then if you find your banks forum and read the successes, they can inspire you. Start a thread in your banks forum, so others can follow your progress and offer help and advice as needed.

 

Lastly, the live chat is a good place when you need instant advice.

 

Good Luck,

Happyolddog.

vbrep_register("607119")

[Deller]

Hi and welcome to the site,

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!!

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

[Highroller]

On Jan. 22nd I wrote to MBNA and asked for my list of charges etc. as entitled to under the Data Protection Act using the Libary letter from this site. Today, exactly 39 days later, they have returned my £10 postal order to me with a new application form for the data request. They have sent me a letter telling me:

''Our view is therefore that the charges that you agreed to are valid,fair and enforceable. Term 3b of your credit agreement with us clearly states that you must pay £25 each time a payment has not reached your accounts within one day of your payment due date, or when you exceed your credit limit, or a cheque is returned unpaid.

You may know that the Office of Fair Trading has recently issued guidelines for the level of credit card default charges. MBNA disagrees with the OFT's interpretation of the law and continues to maintain that the default charges ti £12 with effect from 28 June for late payments, and 28th July for overlimit fees.

With the above in mind and in order to end matters in this case, I have credited your account with a payment of £416.00.

.................As requested we have enclosed details of your statement information. On this occasion, we have provided the information to you free of charge, as we have not treated your request as full data subject access request.

Shouls this information not be sufficient, and you wish to take a full data subject access request request under section of the Data Protection Act 1998, please complete and return the attached form. ...... ''

 

That letter was from the CUSTOMER ADVOCATE MANAGER. They ignored my full data request; returned my £10 postal order; expect me to start another request, effectively delaying my claim (THEY HOPE!!!) by another 40 days. It took them 39 days to respond to me.

 

I can proceed to the next step now?

Advice please folks.