firstly i would like to say thanks for the info i have obtained whilst browsing this site.

ok where do i start.

i held a current account, loan and credit card with IF

basically i asked for copies of all statements from IF. they sent me within a week a list of all charges for all accounts. but said there were only ever charges applied to my current account.and due to the test case all claims are on hold. so i checked through the 20 or so statements i could find and discovered i was never charged on my current account and only charged on my credit card. so made a list , added them up. worked out the interest for each charge and sent it back stating the charges are against my credit card which is currently not in any kind of test case and has already been agreed that these charges are unfair so asked them to cough up. im waiting for their response.

on another note with IF. sorry if this sounds confusing.

i opened all 3 accounts in 2001. by june 2002 i had defaulted on the loan and got a CCJ with an attatchment to earnings. by mid 2004 the debt was paid and i received a statement from the court to say the debt was settled in full.

then in may 2004 IF off their own backs and with no say so from me transfered my £2000 overdraft back onto my loan account that should have read as paid and closed. (silly me for not looking closely at my statements at the time).

i then around mid 2005 i received letters from 3 debt collection agencies asking individually for money relating to each of my accounts. completely forgetting that i had the attatchment to earnings and already paid my loan. i set up a payment plan with these companies and paid for about 16 months until in august 2007 i paid a settlement figure on all the accounts and was told they were closed and satisfied. my credit report reflects this.

the total debt from the begining totalled £8000 and i have paid in excess of £14000 from the paperwork i have. i was young and stupid at the time and just paid up to make my life easier. and never questioned anything.

does anyone know of an agency or solicitors who would be able to demand all statements from IF, the courts and the debt collectors so that everything can be cross referenced to see what has gone on.

i have sent a letter to all the collection agencies requesting this info myself withing the last few days. but i know things are going to get complicated so thought i would ask for help before so i have loaded guns to fire at them.

sorry for dragging it on. any help is appreciated.

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