prettyprincesscharlie
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Hi there. I wonder if anyone has had the same problem.... I had an account with Barclays which I had a high overdraft on due to being a single mum I was unable eventually to maintain it. When Barclays changed their OD charges, I was paying huge amounts every month. I went into the branch and explained my situation and after some phone calls, I was advised the account would be closed and debt written off. I was advised that I would probably receive some debt collectors letters but I was not to worry too much as this should stop after one year. I occasionally receive a phone call from a debt collector, after I explain my situation- they call off. Imagine my surprise when I received a letter from Barclays saying that they will refund me £1,373.75 because “they feel they did not meet their standards for assessing customers like me”... .however, I will not actually receive this money back as they have applied it to the account to reduce what I owe them. My question is - are they allowed to do this as they have clearly already sold the debt on to a debt collector and informed me they wrote the debt off. Does anyone know where I go from here please. Thanking you in advance.
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M&S, changed from Storecard to Creditcard .
prettyprincesscharlie replied to ajs444's topic in M&S Cards
Congratulations! Bet it's a big relief. X -
Hi everyone I would be grateful for some advice on my Halifax mortgage. Approximatly 3 years ago I first started having problems with meeting my repayment mortgage monthly payment (various reasons including pay cut, relationship breakdown etc). I contacted Halifax and they agreed to switch me to a interest only repayment indefinately. I also received a letter confirming this arranagement which did not state any end date on it. Then about a year ago I received a letter stating that they were now going to switch it back to a repayment mortgage. I called them and was advised that they had changed their policy now on interest only mortgages and as such would now only let people stay on interest only for a maximum of 3 years. After explaining to them that I was still not in a position to pay the full repayment amount each month and could they offer me any help, i was informed that the only thing I could do was increase my mortgage term to end by my 65th birthday. As this was only about 4 years than my current term, it only worked out about £40 less per month and still much more than I could afford! I asked if there was any other option I could do including offering to pay interest only amount plus extra £100 on top (making the shortfall £75 per month). I also advised that my work situation would improve in the next 12 months as I would be able to go back to work full time when my child reaches secondary school age. Thus, I was asking for a plan I could just about afford for a small period of time and then go to full repayment status again. This was refused immediately. I also asked if my term could be extended until my 70th birthday which I had calculated would also be an affordable monthly payment - was immediately declined. The Halifax new payment came into force 4 months ago now and thus far I have been unable to pay any month the full amount! I have received lots of default letters adding default charges to my arrears - but to date I have seen little point in calling them as I believe I will be pressured into accepting something that quite simply I cant afford!! Then 3 days ago I received a demand letter stating that if they dont hear from me in next 7 days then they will send out their field agents and charge me £100 per visit! I now have to face the music so to speak! can anyone give me any guideance on this? To put it simply I want:- 1) to agree a plan which would mean I pay only £75 less per month than the full repayment amount. 2) It is a short term arrangement for no longer than next 12 months - then I'm happy to switch to full repayment amount. Thanking everyone in advance!
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Swinton threatening me for £120 fees
prettyprincesscharlie replied to Caz215's topic in Motor Insurance
ok. good luck hon. x -
hi everyone im just renewing my tax credits and would like a bit of advice please. im NOT self employed and i dont have a company car but i do wear a uniform and drive to work. i have a few questions id like advice on:- 1) on the "work expenses" part - am i able to deduct a reasonable amount for the cost of petrol to n fro work? or am i only allowed to do this if its a company car? 2) am i able to deduct the cost of dry cleaning my uniform? 3) i pay into a salary sacrfice pension - as its a company pension - am i NOT allowed to deduct this from my total gross earned? i have asked the tac credits people in the past but they give conflicting advice (dont seem to actually know and not really care to help!!) - hence i dont trust their answers! any help very much appreciated.
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M&S, changed from Storecard to Creditcard .
prettyprincesscharlie replied to ajs444's topic in M&S Cards
Hi AJS, Just wondered if you had heard anything more from m&s and any accompany DCA lately? As you know, my m&s story pretty similar to yours. last time i heard anything was march 2012 by one of their many DCAs! After sending DCA very pert letter to say the least! - well lets just say I dont want to tempt fate - but still waiting for a reply - But definately not holding my breath!!! LOL! Im wondering inlight og santandar court case - maybe just maybe - they may be seeing the light?! -
Swinton threatening me for £120 fees
prettyprincesscharlie replied to Caz215's topic in Motor Insurance
hi caz if you tell swinton you want a copy of that telephone conversation when you told them "NO" that should work. if not, then follow my story from rebels link above. you should not have to pay anything - not even the £50 as they will try to say "its in terms n conditions" rubbish!! threaten FSA etc. good luck! let me know! -
http://whatconsumer.co.uk/cooling-off-and-cancellations/ scroll down this link to "financial products and svcs" which includes insurance. http://shared_oft/business_leaflets/consumer_credit/oft140.pdf scroll to page 8 headed "Variation of agreements" think this is relevant too! hopefully this info might help some of you out there getting XXXXXX by insurance companies!
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Hi Rebel and Uncle! Thx again for swift . Just a quick update - after calling the customer services complaint team yesterday (and a quick call to the fsa first!) - the advisor started to spout terms and conditions etc and I advised him that I knew my rights and that i had already contacted the fsa before calling him! anyway, i wasnt expecting any solution until earliest monday - well he called me back just now and said he had spoken the branch and agreed to waive ALL CHARGES!!!! must admit - i was expecting a fight on my hands - so pleasantly surprised by this sudden swift turnaround! Yesterday the advisor was adament that swinton could do what they wanted as was in t&c!!! anyway, lovely quick outcome and thx for yr advice. but rebel, i did do quite a lot of research last nite on the CCA bit and as far as i can see - the credit agreement for this type of "running credit for insurance" is now bound by same/very similar rules. there was a recent amendment to the CCA i think about one year ago which meant that this type of agreement now has more rules in place than it did before. the main one being - that insurance companies can no longer use last years agreement as binding if the amount £ has changed. they used to be allowed to send a "variation" letter 7days before 1st payment - now they must send a complete new agreement with all usual rules in place (re cooling off period etc) and i believe the pre-contractual info too. so anyone else on here - having similar problem with any insurance company - it maybe an easier route to take if the normal route is proving difficult!!! ill see if i can find the right link and post up for others! im not expert but definately worth trying i would say!! thx again!
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Thank you Rebel for swift reply. I am going to do the complaint letter. however, i would also like to have some extra ammunition up my sleeve!! I am thinking along the lines of unenforceable credit agreement as i know a bit on this subject anyway and i dont think it can hurt to have a bit more adverse info on swintons!!!
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Hi everyone. My car ins was with Swinton & despite me telling them on the phone a month before renewal - that they should just send me the quote & if I wanted it - I would call them back - I didn't call them. I renewed with another company and then received a text on sun 27.5.12 from Swinton saying "thx for renewing with us!" As Swinton doesnt open Sundays - couldnt call until monday. I was then assurred by Swinton that I would not incurr a charge as long as I sent them copy of my new insurance to prove I had not used Swinton for that one day! The following day I received letter from same adviser telling me that I would have to pay £118 for "the period of cover that I had already received"!! - ONE DAY COVER!! Which I didnt anyway as I had renewed on sat 26.5.2012! The breakdown of this £118 is as follows:- £50.00 Swinton's cancellation fee £25.00 Swinton's service fee £32.00 Swinton's direct debit interest fee (NO direct debit had yet been due or taken!) £11.00 Provident's insurance fee for ONE days cover (which obviously wasn't needed by me either!) i have called them and asked to listen to call which supposedly I gave them authority - THEY have listened to call & even though they admit that I didn't give them authority - they are claiming they can still charge me this as its in their terms and conditions! Their reasoning for this is because in said call I didnt actually specifically say I definately did not want it!! Its worth pointing out that the adviser DID NOT tell me on this call that should Swinton NOT hear back from me - that they would assume i wanted it and thus incurr charges! Surely the Law states that all t&c should be in clear easy to follow manner?! I have raised complaint with their head office but swinton have already sent me another letter threatening debt collectors and more fees if i dont pay (it has not even been two weeks yet since renewal!) i have called FSA and been given a reference but swinton have 8 weeks to deal with it first before fsa will start! Obviously i have not signed any credit agreement with swinton - so can this be legal?? any help be much appreciated!! many thanks everyone.
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Hi SFU, thx for reading it - ill special deliver it tomor. And as for their family - oh my - what an extended family these DCA seem to have!! (worse than the Waltons!!- showing my age now!). I know they wont give up easily, but i refuse to be scared by their bullying anymore!!! As always SFU - THANK YOU THANK YOU THANK YOU! :hail: LOL! got bit carried away with the smilies!! they so good!!
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