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roughjustice

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About roughjustice

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  1. Thanks very much, I appreciate the help. I went through a phase about 10Yrs ago during divorce when I dealt with courts a lot and got into that 'frame of mind' but I'm rusty now. Again thanks 'slick' and 'tiglet'.
  2. I had an overdraft on my Barclays account of £2200, whent over limit a few times and then the bank charges spiral began. I returned debit card as requested and made a few token payments to start reducing balance when possible. On my last tsatement balance was approx £3200. I worked out up until then I had paid over £1500 in charges. It was/is my intention to persue claim but have been so busy haven't started yet I suppose the thought of court fee and possible stay anyway because of 'test case' was in back of my mind. I have not received a bank statement from Barclays for ab
  3. Hello everyone, thought it about time I caught up and took the plunge with my own thread. I have a 'dormant' account with Lloyds. When I say dormant I went over my overdraft limit (£2200) a few times and got into the 'penalty spiral'. When it hit £3400 and I couldn't get anywhere with the bank over their 'charges' I walked three years ago to Barclays (frying pan/fire anyone?). I paid the overdraft off (eventually) but they left a limit of £800 on the account which I used last year when the freezer and washing machine both packed in together! Since then hovered around that limit.
  4. Thanks for that, I've donr the 'combimation' thing....Posting 'recorded' today!
  5. curleychick Thanks for that, I didn't have enough info to complete the spreadsheet and didn't want to delay the preliminary letter waiting for it to be honest. I did put a rider in the preliminary letter stating...'Given your failure to comply with my Section 7 SAR I have no option but to proceed ..... and that I would persue a claim for interest seperately if necessary. Thought that would give me the option to claim that seperately if when I work it out it's worth persuing but would get the 'ball rolling' while I awaited statements. Also I suppose I could make a good
  6. Hi Anna, Just read your thread, First of all well done in dealing so well with all the hassle...I personally hate debt collectors and bailiffs with a passion. Most (trying to remain balanced) are just parasites, they just ride on the back of their customers and rip off their victims. I'm fairly new here myself so not an expert in debt (although i've quite an experience). But I do have some professional experience which might be usefull. I forget the exact wording (will check if no one here knows) but it became an offence in the last few years to make a telephone call or sent a messag
  7. I've started a thread on Lloys TSB list but incase no one reads that I'll repeat opening para..... First of all hello and good look to everyone on this site, Deepest gratitude to 'BankFodder' all the Moderators, advisors etc for making the effort to help so many of us 'vulture victims', Donation will be forthcoming as soon as C One hand over the cash! Well I've been reading everything I thought relevant, I've perused the templates and I've mentally spent the 'refunds' so I thought it was time to 'stick the boot in'. A few years ago I went through a 'cash flow' nightmare courtesy
  8. First of all hello and good look to everyone on this site, Deepest gratitude to 'BankFodder' all the Moderators, advisors etc for making the effort to help so many of us 'vulture victims', Donation will be forthcoming as soon as Lloyds hand over the cash! Well I've been reading everything I thought relevant, I've perused the templates and I've mentally spent the 'refunds' so I thought it was time to 'stick the boot in'. A few years ago I went through a 'cash flow' nightmare courtesy of the CSA and their ever fluctuating pay deductions. That set me off on the over my limit>cha
  9. Stan 5131 No they hadn't altered the cheque (unfortunately) but its still gaining a pecuniary advantage by deception as far as I'm concerned.. The bank clerk was also at fault though for not noticing it. I have been busy this week and given council chance to chase it up.. Will start applying pressure on Monday (19/2/07).
  10. Tevion..you seem to be a person 'after my own heart'. This might be worth knowing. As a 'government employee' at a 'seriously organised' department I had to undergo a training course which was at great pains to point out that in common law any person can take 'whatever steps they feel absolutely necessary to protect themselves, their property and others' the crux of it is you have to be able to swear you had an 'honestly held belief' that what you did was necessary. Prove this (convincingly) and no court will/can convict. If you honestly believe it was necessary to grab a kitc
  11. I had a recent encounter with bailiff re a parking ticket also (although it was by post/phone and no visit). I may be missing something here but when I checked the charges they had applied (£300) I found that Section 78 of the road traffic act 1991 clearly 'caps' bailiffs charges at £10 for letter or phone call making initial contact and £20 for a home visit. This applies ONLY to PCN (Penalty Charge Notices, parking ticket) enforcement. Am I mistaken..(anyone?)..if not then clearly this is a good place to start once they have responded to your S.A.R stating what they actually have ch
  12. Firstly hello everyone...This is my first post so apologies if I upset/break any conventions. Returned home from work 24/11/06 to find a letter from Equita. (I can guess why its always a friday) They wanted £377+ from me for a PCN allegedly issued by my local council (Sefton MBC) in 2004! I rang them quite bemused and denying all knowledge (truth) to be told if I didn't pay up it would be £540 by Monday (27/11/06) and 'most people just pay up by debit card and sort it out later' I bet they do! I said I would take it up with council and that ( I thought) they required a warrant o
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