Hi All,

I've never posted on here before but I've been watching the threads with interest. I'll fill you in on the background before I start asking questions. The a/c was in my name for a few years from June 01 to Jan 04 then I added my fiance on as a joint name on the a/c. To cut a long story short he went to work for a so called friend who for 18 months never paid him on time etc. so charges just snowballed on our joint a/c. At the time I added him on to my a/c his one with RBOS was a mess and he also has a loan with him but these 2 a/c's are in his name only - my name was never anywhere near them. He now has a new job (thankfully!!) and a payment arrangement with RBOS to clear his old current and loan a/c.

I sent my preliminary letter 19/10/06 requesting £3483 in charges they've taken. I've had no response to this and am about to sent my LBA tomorrow.

Couple of questions:

1/ As the a/c I'm claiming for is now in joint names can they penalise this a/c for what went on with his old a/c's? Some of the charges I'm claiming for are obviously pre-joint but others are since it became a joint a/c.

2/ His old a/c that's in his name only was a mess with bank charges snowballed on prior to him becoming named on my a/c. Are we still entitled to start a separate claim to get these charges back as well?

3/ Are they likely to start chasing repayment of the loan because of the claim even though we have a payment arrangement with them?

I'd be really grateful for any help anyone can give me with this situation - it's a bit messy to say the least! If anyone has any insight as to how these things works, it would be most appreciated.

Thanks,

Yvonne

Hi Yvonne

What follows here are entirely my thoughts, and have no "real" grounding!

1) No, I believe each account has to be handled separately and claimed separately.

2) Yes, Claim every charge back on every account. Closed accounts, joint accounts, single accounts etc. The only case where this may not be applicable is if he has filed for bankrupcy.

3) I think that would be unlikely, but if he is claiming charges back on the loan account that are more than the balance outstanding they may use that to close the loan.

Hope that helps somewhat, although I would get a few answers to be sure!!

iPeach

Thanks for that icklepeach. It's a complete nightmare. We've both always been fairly good with money until we had the nightmare where he was working for his ex-friend. Considering all the negative press about people getting into debt etc. they're not willing to help at all the minute you start suffering and having a few problems! If they'd been more helpful in the first place we wouldn't have had half the mess we ended up in - it's taken us 18 months to get back on our feet again. Still, I suppose historically, that's how these places have always made their money!

Thanks again,

Yvonne