Have posted info on this piece and first live performance. Attached is the link to the Official Video recorded and edited in the last 48 hours. I have added the Consumer Action Group link at the end as you guys inspired me to write the piece. Admin Dave though the link would be fine as long as it looks like an independent video.... Hope you all like it. Content does contain an expletive and could be considered quite scary so please view without the kids around. I believe the video compliments the words and is a representation of how many of us feel. Dont watch this if you may be upset by imagery of suicide

Hi, thanks for looking in, I'm finally getting round to go about claiming charges back from an old virgin MBNA card and just had a couple of questions: 1. I still have every original statement sent to me so do i just calculate all the charges from these and jump straight to the "prelim letter"?? 2. Does anyone have the link to the small claims court in northern ireland? Thanks for any help

Hi Merlin, Welcome to the forum. I haven't got the credit rating of an angel but I managed to open a NatWest Step account. It was very quick, easy and painless. Not sure about payouts before court claims are issued. Don't worry about it. Follow all the instructions to the letter - FAQs & Step-by-step instructions They are tried and tested - have you seen just how much CAG members have successfully reclaimed to date? Read this before you start so you are aware of what you are getting yourself into: IMPORTANT Things You REALLY Need To Know N/W will try to intimidate/deter you all the way. Have faith in what you're doi

I believe the address it should be sent to is the Data Protection one, however, I sent mine to Pipers Way and received my statements within about 30 days. I actually forgot to send mine recorded delivery and still got a response, which i am somewhat suprised about!! It should find it's way to where it's got to go eventually.

hi merlin, i sent mine to pipers way and that was fine, i recieved statements approx 3wks later.. remember to enclose a £10 cheque, i made mine out to nationwide building society, send letter recorded delivery so you can check the following day when and who took delivery of your letter,, then from the day after delivery count 40 straight days including weekends and bank holidays. if you dont recieve statements (which you will) you can file for non compliance... if you have any further questions, please ask there will always be someone to help good luck and keep us posted

As someone searching for help/advice on fighting low life DCa's your posts on here have really helped lift my spirits. Thank you

Hi there, welcome to the MBNA Haters Club!!! Well done for keeping your statements! That is a great help to you. Yes, calculate your charges and contractual interest (sorry if you know this already, but this is whatever they are currently charging you, be it 15.9% or 29.9% or whatever). Use the advanced Excel spreadsheet. Then go straight to Prelim. You need to be prepared to enforce, they are really messing about now. I am sorry, I can't give you the link you asked for, have you done a site search, or worst way, Google it! Good luck and keep us posted. Regards, Corn:)

Bit of advance reading : Getting MCOL Right

Molly, it took some scrolling up to see your name again!!! lol. I was in a very similar position- I sent my SAR and all documents to Halifax, Trinity Road, HX1 2RG. I got paid in full! (and I have had the same pattern of letters! and funnily enough- owe a very similar amount!!!!!!) The next DCA Letter you recieve, Might just be one from Mackenzie Hall- they are the TW*** of DCAs! search the 'general debt' forum for them! (and it would be interesting if it is- we have a pattern going here!) But yep, send your requests to Halifax. Hope this Helps!

Hi & Welcome! You can claim o/d excess fees. Account charges? Are these the monthly ones you are paying for say a Select/Gold/Platinum account? If so, you can't claim these, as these are legitimate charges. Overdraft interest is quite a tricky one to work out, as you can't claim all of this just parts of it, you would need to use one of the spreadsheets to work out which parts to claim. In my case it was not worth claiming o/d interest. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Good luck, let us know if you have anymore questions. Barty:)

Hey, as Michael says, dont worry, I did exactly that in my claim, has made no difference whatsoever. I doubt Barclays even look into the details of your schedule anyway, not at this stage. Continue as suggested on here, take your time and get it right. Minor mishaps may happen but remember if it does go to court the judge will be understanding. they realise we are not legal boffins, just innocent guys trying to get back whats rightfully theirs. Good luck

No harm done, just continue and file at court See here: Getting MCOL Right

Hi The copy requested should be a true copy of the executed one but without the signature box accorcing to the cca. I would dispute that this was a copy of your executed agreement. Since you signed in 2004 it is more likely to be a current one and since the regs have changed it would be a good idea to examine it and see if it applies to the 2004 regs which were implemented in 2005 if it does it is unlikly to be a copy of your orriginal. Check the 2004/1482 agreement amendment doc it's on the web or if you like i will send you a link if any of those ammendments appear on the document than it is unlikely to be a true copy. I have used this m

Hi Merlin And welcome aboard. There is a lot of information on this site so take your time and spend a couple of days reading as much as you can. Here are a couple of links to get you started and I suggest you always keep them to hand. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html For motivational reading on Nationwide try here: http://www.consumeractiongroup.co.uk/forum/nationwide-successes/ When you are comfortable start a thread

thanks for all your comments I think I need to state now before we get too carried away, this was an allocation/direction hearing only. Abbey had made a draft directions order which included moving the claim onto multi track, and also involved another 6 months of messing about before a final hearing. Their reason for wanting multi track was the'complex legal arguments' involved, The real reason was to try and scare me off, well it didnt work last time and it didnt work this time. Nobody scares Tam I simply told the judge that I dont consider the legal arguments at all complex as the charge IS an indemnity and not the pri

I think LTSB will treat BLS as a separate company for the purposes of S.A.R, and vice versa. Unfortunately it's a huge loophole that many don't seem to be aware of. LTSB pass the debt to BLS on the pretence they are a separate company and many people will pay up, plus interest and charges unaware they are in fact paying LTSB anyway, just under a different name. What a fantastic little moneyspinner!!! If you get your magnifying glass out and go over a BLS letter in detail somewhere in the small print will be cleverly hidden "BLS Collections is a trading name of Lloyds TSB" which makes it all perfectly legal because they have 'told' you, t

file your MCOL, dont give them the benefit of fobing you off or delaying... When hey get you court paperwork they will have to change tac

I think its a stamp, and it is always dated. Look to the right of it and you'll see a date in the format 00-00-00. I've got one of those on my pre-contractual web app dump, before the application form was even printed, and they are attempting to say this is a signature that makes it executed.

HI Yes its on the agreement regulations S.I.1983/1553 i think or the 2004/1482 updated ones. (e) under the heading “Key Information”— (i) the information set out in paragraphs 20 to 24 of Schedule 1 to these Regulations; and (ii) the statements of protection and remedies set out in Schedule 2 to these Regulations; and (f) the signature box and, where applicable, the separate box required by paragraph (7)(b) below; and such information, statements of protection and remedies, signature and separate boxes shall be shown together as a whole and shall not be preceded by any information apart from trade names, logos or th

You, apparently.

OK chaps...enough of this cybersex lark (honestly Perseus you'll need some of those spam-mails I get y'know are you big enough etc). Anyways I have posted this on the Cabot DCA thread too but I think it may well work as a mass complaint re MBNA. You have to be represented by an organisation or group (I am sure CAG will be acceptable). As far as I can see there are no costs involved and it is directly to the DTi who really haven't been on our radar too much, yet they should be as they administer the laws. http://www.dti.gov.uk/consumers/enforcement/group-claims/index.html I have sent this to BA directly (that's Battleaxe and not

Hi Inthered. Welcome to the forum. Please start a thread via the link head it inthered V Bank of ireland; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=13 Please take time to read the faq's use the template letters. LINKS.... FAQs.... Templates Library.... There is also live chat, visit if you need any quick advice. Finally good Luck. Happyolddog. If my advice helps please tip the scales, left.

Hi sussexgirl Welcome to the forum. please start a thread via link and head it sussexgirl V Lloyds TSB; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11 Please take time to read the faq's use the template letters. LINKS.... FAQs.... Templates Library.... There is also live chat, visit if you need any quick advice. Finally good Luck. Happyolddog. If my advice helps please tip the scales, left.

get an independent loss adjuster to act on your behalf. o/h is a loss adjuster on commercial claims. he has just told me you can do this.

Great, just need to have a look at the grammar around here (in red).

It most certainly does my friend

Hmm Pudsters, sorry, just jumped on quick as I am at work! It does seem to me that this is unfortunately an executed agreement. We were sent an application form and nothing else and it actually says "Application Form" on it with no T&C's or anything. Yours seem fairly comprehensive. How old is this account is you don't mind me asking?

Bless your heart - that was real sad reading your comments :o( I'm so sorry to hear that you have been experiencing such a simply dreadful time. Take heart though. You're here now & thats got to be positive hasnt it. There's a saying.......'the only way anywhere now is up' - & thats gonna be you, ok! You'll get all the advice & support you need here, so stick with it, & you cant go wrong. May the force be with you! Electric lemon:D

HI sickntired Welcome to the forum. Please start a thread in here; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=9 Head it sickntired V Halifax Please take time to read the faq's use the template letters. LINKS.... FAQs.... Templates Library.... There is also live chat, visit if you need any quick advice. Finally good Luck. Happyolddog. If my advice helps please tip the scales, left.

just took a look at the site, we would love to have something like this that we can refer our clients to although it must be said that the design with all the bright colours and pictures is very off-putting.

You can amend the claim total right up until the point of submitting your claim through the courts.

HTH, found it on google, god bless it. The Insolvency Service Website Part A Appropriate Court for Setting Aside Demand Rule 6.4(2) of the Insolvency Rules 1986 states that the appropriate court is the court to which you would have to present your own bankruptcy petition in accordance with Rule 6.40(1) and 6.40(2). In accordance with those rules on present information the appropriate court is [the High Court of Justice] [ County Court] (address) Any application by you to set aside this demand should be made to that court. If you consider that you have grounds to have this demand set aside or if you do not quickl

I used Euston Road doo too

Gearbox, right, you really should write to both companies again highlighting that this debt is in dispute. Make it plain and simple! That will at least buy you some time to carry on claiming what you are owed. Ok so first things first......forget the bankrupt bit, that is a LONG way off!!! So first wolf at the door........ I would immediately write to Westcott and request that they provide you with a 'true agreement' as laid out in Consumer Credit Act 1974 and a statement of account. (please read up on CCA requests threads for more info). This will cost you £1 and will show you if they have an enforcable agreement and sho

The first thing did was stop answering withheld calls.(Get caller display) When they continued from early hours i.e 8am til 9 at night I decided to get my phone company to put a bar on them. Now if any of these people ring me its on a number that I can recognise and choose to ignore. After all I pay the phone bill so I can choose who I want to speak to.Its great and best of all Im sure it pees them off greatly. No matter what you send them as a breakdown of your income and expenditure it will not be enough. Dont forget they havent proved you owe them anything. Any dealings I have had with IJ I have found them to be arrogant and nasty

Hi there Drew, As far as I'm aware the amount doesnt seem to make any difference. There have been people on here that had their accounts closed down for claiming under £500!! There are also people here that have claimed in the region of £20,000 & they seem ok. There have also been situations with claiming for charges on credit cards where people have been only £50 over their limit & capital one have closed the accounts & passed the accounts to debt collectors - all retaliatory!! Its unethical & unnacceptable if its classed as retaliatory & I think the courts look very dimly upon it. I think it just

hi zorbra, welcome to CAG, i see you have met lori1 ~ worth her weight in gold, a mine of information!!! hi lori glad to see that you sent your letter off recorded delivery, even if you did forget the cheque! but never mind you can check on line who signed for your letter by going on royal mail web, and then add this information in a letter when you send your cheque, also by recorded.. then this way they can tie them together without wasting too much time.. keep reading the FAQs & threads, remember knowledge is power, power is courage to take the banks on and win the CAG way.. people on here are really friendly and always willin

i love a challenge,, i will check some out and if i find any good ones will let you know

Having had a painful battle with IJ in the past, I would say that if they persist in phoning you, then when you pick the phone up and they say 'Hi its IJ here, how is your day' tell them to just give you a mo you have a tap running/bacon cooking/whatever. Put the phone under a cushion, go put the kettle on, have a brew and a bickie, read the tv mag, wash the dishes etc etc. It's their phone bill let them run it up, I am sure the message will get through in the end.Oh and make a note of the the time of of the call for when you report it. You could always put the phone next to a walkman that is playing a recorded message something lik

Hi Shellywelly,:grin: thanks for that i think i will cut and run, the lady i spoke to sorted it all out in the space of a week from requesting my statements to getting it back - pls find below her details and contact number: Karen - Visa Services - 01383 842 195 (direct number) very helpful lady:grin: hope she can do the same for you regards Rich:cool:

Hi, MBNA are employing new delaying tactics. They will wait until the 40 days is up and then send you some random statements (that will NOT have all the charges on them) and will tell you that on "this occasion" they have not treated your SAR as an SAR and will return your cheque. They will then tell you that if you want them to comply with a full SAR, can you return your payment, with ID and they will have ANOTHER 40 days to comply. This is abolute b***ocks as we all know. I would write a short letter saying the above has come to your attention and enclose a copy of your ID and, for the avoidance of doubt, the 40 days is up on X date and

A simple start would be to slam the phone down on THEM. And as they refuse to stop phoning after you have told them to stop, they are committing a criminal offence now every time they do so. Start to keep a diary of every date and time they do phone. DON'T speak to them, simply put the phone down on them. I'd give it a week, after which time you should have enough evidence of their continued harassment, then REPORT THEM. And YES it is worth CCA'ing them (although it depends what type of debt it is. Credit card? Loan? An overdraft I believe, is not covered under the CCA). But I would also SAR the original lender/creditor.

Just use one of the template letters for the basic SAR request. If you're having problems getting a parachute account because of poor credit or unemployed etc, have you tried going online to Alliance & Leicester? You just need to have £500 going in each calendar month (and it doesn't have to be wages, it can be benefits, they don't require you to specify). You get a visa debit/cheque guarantee/cashcard card, cheques book and online/tele/branch banking which is also linked to the post office so you can bank through your local post office counter. You can apply online and they normally email you within 24 hrs with a yes or no. I don't

The sar you sent to the bank should have included everything they had on his name, so there is no point in asking them again. However if you know their is info that has not been included, you can write back and ask for it by pointing out that they have not yet fulfilled the requirements of the sar. You would normally senda CCA request to BLS for more details, but as the debt has been cleared you cannot do that. You will just have to write to them asking for a breakdown of the charges they added to your account. If they fail to comply, write to your local Trading Standards office as BLS should not have added their own charges, unles

If you read the first paragraph of the briefing note found on the link below, a firm of solicitors expresses the view that an unenforceable agreement means the lender is 'compelled' to refund all monies to the customer... http://www.wragge.com/files/HowMuchCredit_Mar2003.pdf Regards Lantana

Time to expose myself I suppose. Bankfodder has encouraged me to join the conversations so I can clarify what I said last night. As Bankfodder has mentioned elsewhere on the site, the clip shown last night was just a tiny part of the filming. I need to clarify that the true cost of returning unpaid items when you have gone overdrawn is LESS THAN £2 as I said verbally. NOT 9p as some of you appear to have picked up from the spreadsheet. The spreadsheet was me explaining to Amanda how it worked & we used a simple debit & credit transaction to illustrate this. The BBC in true media style have shown the clip in such a way as to make

Actually, I agree with both you two. I came onto CAG a year ago. I too had the mindset that our bills need addressing. I had run businesses since 1980 and rarely, if ever did I owe anyone anything other than my mortgage. I rocketed up to a six figure salary by 1990 and had a very healthy business, banks bending over backwards to find ways of giving me more money to develop my business, credit cards to control my spending records, insurances, loans of all kinds. Fortunately I didn't take most of them up because I didn't need it but when things started to go wrong they ran like mice into the woodwork, bought out the big guns, set the men with d

new territory for me - i'm following you........ i just put my limited knowledge all in one place - you guys are filling in the blanks for us. why let debbie know. if your stuff is in a pile - they will get to it whenever - i see the judgment as a possible preferred option as there will be no questions over overdraft interest or old charges or whatever - you will get the lot - the flip side is it may (or may not) take a little longer as you are dealing through the courts. as i say - you and your buddies are our shining beacon - after this - i'll know more how to advise peeps!

pelvicthrust, bubble, I have claimed contractual interest. What I understand as the basics of it, is that the contract between us and Halifax states that if we take unauthorised borrowing they apply a certain interest rate, if authorised another rate. Therefore if they take money from us (unauthorised) the same interest rates should apply to their withdrawal from our account. The charging of unlawful charges is an unauthorised withdrawal. With contratual interest the rate applies from the date of the withdrawal from the account. I claimed 29.8%. This can make a big difference to any claim. In my claim I adapted

Thats very interesting, a question that often comes up is if i am in an IVA/DMP can i claim? The condition to pursue money owing to you is that written somewhere or was it a verbal instruction? Glenn