This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Thursday is the cut-off date to register your experience on iWait.co.nr .

Well PLEASE leave your stories......all power to the cause!

a website has been created to collate customers experiences trying to obtain the new iPhone 3G through o2 (or carphone warehouse). If you have would like to share your story with the world (and o2) please visit iWait.co.nr Thanks guys.

Hmmm........returned with no engine you say?? I would be curious to know where that went......lol, only joking!! But I would persue this, seems the DVLA/Police are VERY heavy handed when it comes to RFL.

bttt, can anyone help with this please??

I recently received my SAR paperwork from Capital One and I am now ready to send in my prelim letter. I intend to claim contractual interest and I have calculated this as £115.86 as a compounded amount calculated at a daily rate of .072% (29.95%APR, my typical). The charges I am claiming back amount to £240. This credit card account is now closed and I have received a default notice, although no default is shown on my credit file (the account is shown as seriously overdue/delinquent). I was being chased by a DCA until I wrote requesting a copy of my credit agreement and deed of assignment. They replied advising me that the statutory payment I sent with my request had been accepted as payment against my account and totally ignored my request. As the DCA didn't provide the information I requested, I could not verify their legal right to collect the debt, so I withheld payment. Several weeks later I received a letter from Cap One with a very poor photo copy of my signed credit agreement but no deed of assignment entitling the DCA to collect. Jump forward several months and I receive a letter from Cap One advising me that payment against the debt should now be sent to them. The outstanding debt is £359 and the amount I am claiming (including contractual interest) is 355.86. So, questions.............. 1) I can't find a template for a prelim letter referring to contractual interest....does one exist? If not can anyone suggest how I should word this? 2) I can't find a default on my credit reports, however Cap One did send me a default notice......should I be concerned? 3) I do intend to clear the debt with any payment I receive, as a very large proportion of the debt was charges and interest thereupon, would I have a case to argue that the payment history displayed on my credit report is unfair? I look forward to your responses.

My claim amount was £339.00 for charges applied between 25/07/02 – 08/06/06. June 22 2006 - 1st Letter sent by Recorded Delivery. Claim value £339.00 July 3 2006 - LBA sent by Recorded Delivery. July 4 2006 - Response from RBS 29 August 2006 - N1 Claim form completed. New claim value including CC interest at 8% and CC fee £434.90 31 August 2006 – RBS Served claim 31 August 2006 - Acknowledgment of Service received by CC. RBS state intention to defend. 6 September 2006 - RBS Group Litigation Offer Now settled and to my complete satisfaction.

I have another one to post from earlier last year, I never got round to putting it on.........also a donation to make!!!!

My original claim amount was £149.00 19/06/06 - 08/12/06. Further charges were applied to my account whilst I was in the process of claiming these back so I added them to the value of my claim, as you will see below. December 13 - 1st Letter hand delivered to branch, signed receipt obtained. Claim value £149.00 January 3 - Response from RBS January 5 - LBA Hand delivered to branch, signed receipt obtained. Further charges added (since 1st letter), new claim value £215.00 January 15 - Response from RBS January 22 - RBS Offer *Not included Offer rejected without notification as claim value had risen. 23 January - RBS 2nd Offer *Not included Offer rejected without notification as claim value had risen. 26 January - N1 Claim form completed. Further charges applied to account, new claim value including CC interest at 8% and CC fee £311.92. 29 January - Claim Issued to RBS 7 February - Acknowledgment of Service received by CC. RBS state intention to defend. 22 February - RBS Group Litigation Offer 22 February - Letter to RBS Group Litigation Rejecting terms of settlement (emailed and posted recorded delivery) 24 February - RBS Group Litigation 2nd Offer Cover Letter and Amended Offer Letter Now settled and to my complete satisfaction. Can even share the detail with you lot without breaching the terms of settlement

Out of interest, what would the next step be if the CRA's and/or the lender had not responded??

You know what, we are going to have to agree to disagree........ Personally I would not settle for the bank offsetting the payment against my debt. I would contest it as far as possible. I think its important to highlight every possible outcome but you seem to be very negative. I have never understood the "thats just the way it is" attitude.......Its only that way cause people don't contest it! I am sure you will have the last word on this thread though.....so take it away.

Thats the way I have learnt what I know, from reading peoples debates....I don't think many of us are legally trained so it all comes down to constant examination and re-examination of what we think we know/understand.... I hope that i havent caused anyone any difficulties!!

You seem to insist over and over again that this overdraft has to be paid back immediately. I am sure that many of us live in out overdrafts, not ideal but thats how it is.......why should I be forced to pay back my overdraft with the charges refund? I do have an agreement with the bank which allows me to use that OD amount. Really, that fact that these charges are applied when I am in my OD is irrelevant. It's simply a starting point, whether my account is £100 in credit or £100 in debt the fact is that when an unlawful charge is debited from the account the bank is denying me access to funds I am legally entitled to. END OF! Take the example that was given to me.......If my account has an agreed OD limit of £100 and I start with a nil balance. I need to spend £100 on some new tyres for my car and cannot wait till payday so I use my OD. Now my balance is -£100, still within my agreed OD limit. I forget that I have paid for some milk with my debit card and when the payment clears it takes me over my OD limt, new balance is -£101.00. Now, Mr. RBS rewards himself for lending me an extra £1 and charges me £29.00. Balance is now -£130.00. Payday comes round and I am paid £200. Balance is now £70 but wait, I am down £30..........£29 of which is in Mr RBS's pocket...... Now you are suggesting that when Mr County Court Judge tells Mr RBS to give me my money back he should actually just reduce my OD by £29 making the facility £71. I just don't understand................unless you are Mr RBS????