A rafter of turkeys

mornin Bob chin up girl!! dont let the b'stards grind ya down the guys and girls who help on this site are a god send and because of them there are alot of people with money in their sky rockets and alot happier, i know it can get you down sometimes and make you wonder if its all worth it but trust me it is, just take nice deep breaths and take it one step at a time sorry i'm in stitches at the moment pink floyd money just started playin whilst typin lol x

WOW! cheers aa................ wouldn't wana get on the wrong side of you lol chard

cheers al, managed to find the sar thread already and saved for further perusial but those 2 link look interesting many thanks for you help

no dont destroy your original its all you have to know that they are lying to you. ignore that^^^^^^ thought you ment your letter not the one you posted on here. lol

oh bobo............ lol for a moment then i thought you ment female bob as in black adder!? pmsl Right back to the matter in hand, not sure if there are any templates that could help? but it might be worth asking them for another CCA stating that the 2 they have already sent contradict eachother and that you will be seeking legal advice to the fact, high lighting the different dates etc might be worth a call to trading standards. also might be worth asking a mod to to see if what i've noticed is a good enough reason to make a complaint to the ts and/or oft you might have them by the short and curlys on this one and through their own stupidity. probably some yts thinking he can get some brownie points!! good luck........ Bob

Hi Bob, the one that you had with your car insurance is the original am i right in thinking? and the 2 you got through the post this month are both different to the one you already have? also the 2 that they sent you have different dates when the "loan" was signed for and information etc? so therefore if i am right in thinking which ever one they say is a true and original document they are then admiting that the other is a false and made up one? have they not got themselves in a catch 22 situation? i'm not an expert in these matters so please dont take anything i say as being the case but i do have a very handy habit of noticing things that dont play right, think it goe's with my job

cheers stella, off to the letters templates now to have a gander at S.A.R didn't think about the loan as being missold but the more i think about it the more i realise that its a possibly it was

have you not got enough proof that they are both fraudulant as they both have false information so they cancel each other out?? they need to prove which is the original so either way you've got them on the other one........

cheers spamheed, i'm 99.9999999999% sure that at the time they told me i could only have the loan if i had the ppi, but not too sure that as the "loan" is now with such a "professional company" as RW&C and as it was taken out a few years ago where i stand with having the ppi cancelled?? as for the the phone calls i phoned them a few times to make payments (approx £400 to date) and the cheeky sods phoned me back even though i never gave them a contact number, so i asked them were they got the number from.......silence........ then i told them it was a friends mob that i had borrowed and it was a protected number and they are breaking the law by contacting me via it, first part being porkies they tried to phone me numerous times again but i recognised the number and didn't answer but got fed up and answered as my "friend" informing them this was "my" number and that i had lent the phone to "chard" then informed them that if they contacted this phone again i would take them to court for breaching ofcom rules and regs no calls since lol!!

How do folks, already been on reclaiming charges threads, won on NatWest, A&L still pending so thought i'd try and sort out Robinson Way. the gist of it is...... (sorry if its long but please bear with it) i had a NatWest loan in 2004 for £3,000 was making payments as agreed monthly no problem, was living with then g/f in a 3 bed house all was good, me and then g/f split up leaving me in said house paying all bills etc on my own. In 2005 i missed 1 payment, i contacted them to tell them the reason and that i was trying to sort out my finances, unfortunatly i missed another payment and also lost the house as i could not afford to pay the rent on my own. I recieved a phone call from them informing me that because i had missed 2 payments i was now in default and could poss face court action (at the time i was already in a bad state of mind with splitting up with my g/f and then losing the house) i was then told over the phone that i could have a high risk refinance loan which would stop any court procedings and lower my monthly payments, great i thought so i went with it. My new loan total now was £8,000 none of which i saw as it paid of my original loan (inc interest and loan insurance) and included loan protection for this one costing £2,000. I made my payments every month like clock work no problem, its now 2007 and i've got my charges back after 12 months of letters for £3,000 which went against my loan so now i owed £4,000. I contacted NatWest and asked them if they could send me a statement of the figure i owed and asked for a new payment plan to pay it off quicker "no problem" they told me....... a month went by and nothing so i phoned them again asking for the new payment plan...... a 2nd month went by and still nothing so i phoned them again, "yes sorry we will send it to you" then another month goe's by and its now 2008 i get a phone call from a DCA in scotland the usual questions but was very rude to me (wont go into detail) told them where to go as NatWest had not informed me of any such DCA. never heard a thing from them again...... then....... ROBBIN ****!!! same old letters phone calls etc that i've seen on the threads. My main concerns are that NatWest have never told me about my loan going to a DCA and i was wondering as the loan was defaulted due to 2 missed payments can i get the £2,000 insurance removed from the loan amount thus taking the amount i owe down to £2,000? Sorry to of gone on a bit folks but want to let you know the full scope of things any advice greatfully recieved ;)

Bombtrack ~ Rage Against The Machine

Its a newish thing for A&L, its been about 2-3 months since they changed their charges set up, it used to be £25 for the first day then £25 for the 5th day, so some months you could be charged £50 but back then there was a £10 max unauthorised buffer, so if you were £9.99 unauthorised overdrawn you wouldn't get any charges but they've stopped that now. and yes i think this is their responce to people trying to claim back unfair charges which i think is worse because people are going to incur more charges this way. I didn't think that they would be so petty minded to charge on such a small amount but how wrong i was!! i phoned and made an official complaint but they said the charge stands and i wont get a refund. I sent my letters in ages ago ref my charges (now over £1,000) and they've written to me saying that because of the test case there is a stay in affect so they wont be refunding anyone until the case has finished.

a tower of giraffe lol cheers sod-em

Zombie ~ Cranberries