Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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Thread: HBOS and CANCER

  1. 4th August 2006 00:35 #1
    zafman zafman is offline
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    Default HBOS and CANCER

    My wife and i havnt worked since apr 1st she has cancer .. we are 31 with two kids 8 and 5 since 15th of june £427 in charges havnt checked further back but in last 3 years must be £4000

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  2. 4th August 2006 00:45 #2
    zafman zafman is offline
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    Default hello HBOS

    £4000 in charges where do i start:o


    Moderated : threads merged

  3. 4th August 2006 01:44 #3
    thewifeandI thewifeandI is offline
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    Default Re: HBOS and CANCER

    Already answered in your original post here

    Jeep (The Wife & I)
    Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
    Halifax joint a/c new charges £1100 - LBA sent 02/08/06
    Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
    Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
     Halifax Visa (#2) Data Protection Act sent - refunded £170
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  4. 4th August 2006 02:47 #4
    rdm2006 rdm2006 is offline
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    Default Re: hello HBOS

    try the link to the step by step guide below it is on the HSBCicon forum but it will be the same format for all banks

    HTH (Hope This Helps) RDM2006

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  5. 4th August 2006 08:46 #5
    Alun007 Alun007 is offline
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    Default Re: hello HBOS

    Go to the part of the website with the letter pro formas and start by sending the letter which asks the bank to provide you with a list of all charges applied to your account over the last six years.

    After that, sit back and wait. They will reply, I don't think they can afford not to. Once you have received your bank statements, go through them all and write down every charge applied to your account with the date, type of charge and the amount. List them in date order, set it up so you have a date column, a column titled Charges levied minus column legal limit (£12) and column balance due to customer. Then send this away with the next step letter and so on and so forth.

    All the best mate.

  6. 4th August 2006 10:35 #6
    Janet-M Janet-M is offline
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    Default Re: HBOS and CANCER

    Hi you have now started a thread in HBOSicon forum so I will close this thread for you as you will find it easier if all your queries are answered in the one place


    When you want to fool the world, tell the truth.

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