Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


Patricia Pearl - Small Claims Procedure - A Practical Guide

An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Thread: ive been had

  1. #1

    Angry ive been had

    rbos was supposed to have closed my 2 accounts last may to the sum of £10 000
    i paid them in full and was told my account would be closed the some months later when i checked to see it was closed i found£3000 in it so i took it out and tried to close it
    then some months later i found another£350 in it
    now nearly a year later i checked my credit rating( because i had been turned down by several credit cards)and found i had been defaulting for £ 4 7 ????
    for the last year.
    i told them to back date it and take the default off but im still getting turned down for credit can i get my credit rating back or do i have to sue

  2. #2
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    Default Re: ive been had

    Don't understand the story. Sorry


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  3. #3

    Default Re: ive been had

    1)May 2 accounts were closed both settled in full total of £10 000

    2)July 2 accounts are still not closed whe i ask why not i was told when they were re calculating figures they over calculated by £3000
    i took out the £3000(very happily) and closed the account AGAIN

    3)August 2accounts still not colsed as there is still a balance of £350 in the account
    i withdrew the£350(very happily)and closed the account AGAIN

    4)February checked my credit score and found rbos has been defaulting me since last may for £47 during which time ive been etting knocked back for credit wondering why?
    told them to remove the default and back date it to last may

    5)March still not updated getting angry now,my credit is so screwed up.
    not fair

    can i sue

    1)wintermare vs abbey
    SETTLED £1901

  4. #4

    Default Re: ive been had

    i have sent off my data request form,and i intend to start proceedings straight away,but can i claim damages for defamation or is this too difficult ,i have lots of good evidence,i.e credit agencies,refused credit cards,i had to go to a second rate morgage co. because my credit was so bad.

    would i have to use summery clause rather than small claimsicon and what are the consequencies

    1)wintermare vs abbey
    SETTLED £1901

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