Had a loan some time ago from Natwest,Decided to CCA them because due to the amount of interest i had paid over years i was slightly cheesed off.Also the account has ben passed to Moorcroft and Triton DCAs. Anyway i received 2 letters back on the sane day,one saying they had received the CCA request and enclosing just their terms and conditions,no signature.The other saying they dont ned a signature fot a overdraft facility,but its not it was for a loan.I have sent the account in dispute letter to the dcas,Today i received a letter from Natwest saying they are unable to action without my signature on the original letter i sent.I just printed it.What should be my next move be.Thankyou Denimgrant.

just quick thought about mortgage Kensington MORTGAGE arranged through TML PAID WELL FOR THIS SERVICE-went to money partners who transferred same day to kENSINGTON now discover TML WERE OWNED BY KENSINGTON AND MONEY PARTNERS-noooooooo someone tell me this is not so-ive made mistake-means paid kensington 2000 for mortgage with themselves.Also 2k money back offer at same time offered by kensington avoided by using money partners for day nooo please tell me i am mistaken-tawnyowl feeling things are rotten in financial world.:)TAWNY USING DENIM GRANTS COMP JUST IN CASE ANYONE WONDERING

Still struggling with debt .Slowly getting sorted.Have not been able to start action suggested by Stan.Hope theres no time limit.Am using my friends computer to bring somethings upto date.Am sure to be back online soon.Am missing keping upto date with all you CAGers.Is very interesting reading everyones experiances and advice given.Keep up the good work-Tawnyowl.

Today usual monthly letter received-waiting for copy of CCAfrom HFC Will it ever come.Just to remind people what happened.HFC phoned me and said if yopu pay threemonthly payments of 44.00 pound you account will be settled.Then months later started it up again with DCA.

Latest-Have finally heard from from Royal Bank of Sharks giving me two days to pay or as my account is in Litigation court proceedings will commence.Bring it on.My finances are stretched like a Giraffes neck and have no chance to pay what was my biggest loan-a whopping 10000 pound.What i do not know due to the size of the debt would i be able to offer token payments.My house has one charge on it and it really at this stage does not really matter if they go this far which i exspect them to do.At thjis present time it is all about surviving from month to month.Thanks for advice.Tawnyowl.

Latest on my claim-think i need some advice which will be gratefully received 1- Sent letter April asking for money back for 784.00 plus 401.00 stat interest 2- Received letter back May saying usual thankyou for letter-feel our charges are ok. They say they have reduced charges to12.00 and made a offer of 156.00 which equals to 13 charges at 12.00.Enclosed was a form to sign as closure of this matter. 3-Wrote back June saying not happy with offer 4- They wrote saying basically,tough this is our final offer and to accept and sign the form,so as not to waste court time. 5-June -this week solicitors rang me at home asking for payment.I said no because the account is in dispute..They said they will apply to the court to send the Baliffs in. 6-Am worried now-once again they are moving forward while i am disputing the original charges fighting now what i feel is a unjustified claim. 7-Please when reading this,the original CCJwas in 2004 and i have taken the charges back to the year 2000. 8-Any advice appreciated.

I have discovered over 860.00 in charges with 2003 and 2004 missing so am going to send a SAR to them requesting this information. This could wipe out the debt completely.If i send for this info can i now stop paying as this account is surely in dispute. The charges will be well above what the debt is.However i suppose i will have to be careful due to the ccj in 2004.What does anybody think.How many people are in this situation begining to feel well and truly ripped off.Am completely saddened at banks and credit card companies after reading peoples exsperiances on this site.Am very glad for discovering it.Bet the banks are not.

Have been a member for a while so would like to say hello to everybody as this is my first post. My problem is this. After reading many peoples exsperiances i now realise my rights and feel a injustice has been done regarding charges on my Capital one credit card. 1-In 2004 i was taken to court by them for approx 1000 pound. 2-Agreed to pay 10.00 a month due to my circumstances. 3-Balance is now approx 750 pound. 4-After reading about charges on this site i added them up and was surprised to see they added up to 550.00 without stat interest being added. 5- Due to the case being in 2004 is it possible to go back to 2000 due to quite a few of these charges being made 2000- 2002.I understand about the 6 year rule but due to the ccj being made in 2004 i just wondered if i have any right to go back to 2000 due to me not knowing my rights at the time of the ccj.Iwould appreciate any advice- thankyou.