Yes it was a current account is there anyway that they can pay some of it back??? I am not working since 2007.

Sorry, well not that sorry as today received refund from the Council without asking for it!!!!!!!!!!

I claimed bank charges to Barclays 2007, small claims I received a Court date but it was stayed. What do you do with this, I have had no communication regarding this with Barclays or the Court .

I have a re band by VOA, my question is if the Council will refund the difference in tax from previous years or do I have to apply for it, is there any template letters for this.:| Thank you

I am in the same boat, if you send the LBA do you state "I look forward for a full response to this letter within 7 days, otherwise I will commence court proceedings to reclaim my money." and then do you start a court claim???? Thanks:(

Hi Can someone help me with the interest bit. I have read some posts that add 8% is that correct???? I have also found an agreement that states PPP eligibility full time employment or Self employed . Do you send a detail form with the charges like with bank charges I mean when a monthly charge for PPP. Thanks

NO, but Ive sent LBA and they have paid!!!!!:grin:

HI Can anyone tell me how do you work out the interest that you have to claim back, for the ones that are charged monthly and the ones in one lump sum. Thank you

Hi hellhasnofury The term was 5 years APR 10.9 it doesn't state the interest . Now there is a part2 Credit Insurance where it says "You apply for the following insurance cover AA Credit Basic If you have applied for credit insurance you confirm that you have been informed of and understand the eligibility criteria and that you (and when married your spouse) meet those criteria Name of insured date of birth" The problem with this was that I was working hourly paid so they wouldn't pay if something happen with my job .

Well well I have been looking into other accounts loans I have and found more ppi, one is also with AA . Now I remember that this was like a bank account and I am sure it had a card and that was Bank of Scotland but I also have found a statement at the bottom is a bank giro credit (to pay and it is for Capital Bank Plc so now I don't know who is the company I had to ask for their AA credit care back, This was charged monthly and of course some months like at the beginning £3.45 but then £18.94 I am sure I had more I am going to look at my files I now think it was good to keep old statements.

Hi hellhasnofury The term was 5 years APR 10.9 it doesn't state the interest . Now there is a part2 Credit Insurance where it says "You apply for the following insurance cover AA Credit Basic If you have applied for credit insurance you confirm that you have been informed of and understand the eligibility criteria and that you (and when married your spouse) meet those criteria Name of insured date of birth" The problem with this was that I was working hourly paid so they wouldn't pay if something happen with my job .

Thank you for your comments and my credit agreement shows: Advance A 10000 AA Creditcare B 1860 Amount o Credit (A+B+C) D 11860 Total Charge for Credit E 3662 Total amount payable (D+E) F 15522 APR 10.9 Thats all in the credit agreement

Hi all I have been reading some of your threads and I think I have a case for reclaiming the PPI from AA Financial Services (Centrica Personal Finance |Limited) that I think is Bank of Scotland could anybody confirm this!! who do I have to send the letter. I got a loan in 2000 in the Credit Agreement Particulars of Loan 10000 + 1860 AA Creditcare Basic total loan 11860 . I also have a Bill Protection Plan Acceptance Form (St Andrews Insurance plc that I think I never signed as I have the form here it was dated a month later of the agreement it states monthly bill protector benefit 100 monthly bill protector premium 5.95 this have a Summary of Cover. I think this is something else. I cancelled the AA creditcare basic 7 months later when I realised that I could then they credit my account with 1362.86 so they charged me 497.14 for 7 months of cover. Can I reclaim the £497.14??? Thanks for any help with this

Hi all Can anybody help me with this How can I explain the insurance that even if I had before low back pain is not a pr eexisting condition for a claim injury by accident (heavy lifting). I am claiming for days in hospital . We all have back pain all for different reasons and in different parts of your low back and different type of pain. Thanks

Hi Steven I forgot to say that they have told me that my next move has to be the Ombudsman. So tomorrow I will be sending LBA. Thank you

Hi all I have send Letter 1 to M&S reply was blabla "In April 06 the OFT published their report on the level of default charges thay all creti card companies charged. They were of the opinion that, in some cases, firms were charging a fee thay was disproportionately high. They recommended thay default charges shoruld not exceed £12,00 andthat any charge above this level could be unfair. As a result of the OFT's recommendations M&S MOney lowered their default charges from £15.00 to £12.00." I regret that we are not prepared to make any refund f default charegs or provid eany compensation payments and apologise for any dissapointment this may cause you. " and bla bla bla Are they right??? or do I send the LBA thanks

HI all I don't know if anybody has claim to GE Money from a Loan from First National Tricity - Capital Bank (I think all the same) Sent letter for data - reply with dates and charges Then sent letter 1 - reply sorry but because is a loan we cant pay back "GE Money is currently reviewing the OFT's recent publication of its findings into default gee charges. Our view remains that we are entitled to charge these fees (which is consistent with the OFT's view). As the OFT's ruling did not include loan products, unfortunately the fees to chich you refer are valid and will not be removed " Do I just go and send LBA? thank you

Hi The letter charges from 2002 till 18/7/06 were £15 then onwards £12 I am just going to send today my Letter1. Good luck

Hi The letter charges from 2002 till 18/7/06 were £15 then onwards £12 I am just going to send today my Letter1. Good luck

Hi Slick Thank you I will send a letter if not start again I found double of statements that will more than double the amount

Hi Slick, no it was just like that

Hi Sent letter with details of charges as required before the 8 October now received a letter from Court from Deputy District Judge saying Upon neither party attending It is ordered that The claim is hereby struck out It didnt say in the first letter I had to attend is this right?????? PLease help:evil:

No , it reads as posted

Hi Letter from Court as follows It is ordered that 1 Claimant to file and serve details of the grounds of the claim together wirh a schedule of how the claim is calculated setting out the date, amount and particulars of each debit charge 2 The case be listed on 8th October 2007 at 11.30 to consider whether the issues in this case are similar to the Office of Fair Trading test case. What papers do I have to produce????? there is no date to when post this Pls help!!!

Hi Just received from Court for my Barclays - Barclaycard Services "It is ordered that 1- Claimant to file and serve details of the grounds of the claim together with a schedule of how the claim is calculated setting out the date, amount and particulars of each debit charge. 2. The case be listed on 8th October at 11.30 to consider whether the issues in this case are similar to the Office of Fair Trading test case" Has anybody receive something like this!! PS I have not receive any for Barclays account only for my card