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onetrackmind

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About onetrackmind

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  1. Guess they've got to do that as your case certainly throws up a fair few (possible) precedents.Let me know when you've got a date through as I believe that much of what you have stated in your thread has major implications for my partner who has also suffered similarly and whom has, since the loss of his business, been unable to open even a basic current account owing to the fact that there has been a notification of fraud on his account because he'd been confused with someone else!!! Best of luck any way...
  2. Might be an idea to post this in one of the debt forums!!!
  3. Does this then mean that If I request a copy of my file including all searches made specifically requesting enquiry and update searches as well as credit management searches that they will have to show all? If they do not then surely they are in conflict with section 7 (1) of the Data Protection Act?
  4. hmm, another aspect to look into.....God, I really don't like monument/providian the theiving G***. Has anyone successfully claimed charges and/or PPI back from them?
  5. Ok. I armed with my statements. I've written a list of the charges. I read Bongs fantastic Thread re claiming 13yrs of charges and contractual interest. I'm psyched. Step one. Write letter demanding repayment of unlawful charges based on template. done. Ready to post with a schedule of charges made to the account. This is all I need to send in the first instance isn't it (you guys make it seem almost too easy!!!) 14 days then....
  6. Sorry to bother you again but this seems to be where the people in the know are! Barclays have sent out a New "Terms and Conditions Retail customer agreement" dated Feb 07 it comes into force on the 14th May 07. (Arrived today, it's existance is quoted in the cc charges thread) There is no space to sign said document and I do not agree with it's contents. Should I close my account???? Or is it the case that my account should still exist under the original terms and conditions under which it opened. Where do I find the appropriate documentation to support pro/cons regarding this in law? Loving your work-would like to use some of you previous letters in my mission, where appropriate. is that ok?
  7. I have, this morning received a copy of "Barclays Terms and Conditions, Retail Customer Agreement. The Document is dated February 2007 and comes into effect as of the 14th May 2007. They appear to be trying to clamp down on every loop hole that exists with regard to reclaiming charges. How does this stand against The fact that my account has been in operation for years and that been unlawfully charged previously. I have not signed this agreement-so how can it be called that??? Help please
  8. I have, this morning received a copy of "Barclays Terms and Conditions, Retail Customer Agreement. The Document is dated February 2007 and comes into effect as of the 14th May 2007. They appear to be trying to clamp down on every loop hole that exists with regard to reclaiming charges. How does this stand against The fact that my account has been in operation for years and that been unlawfully charged previously. I have not signed this agreement-so how can it be called that??? Help please
  9. Bong, just wanted to ask, as you seem to be one of the most sucessful and determined authors on this site; 1) did any of the banks that you have challenged close your account/s? 2) How does it feel to finally get a good nights sleep? Suffering from insomnia due to charges and small children but determined to get this right first time. Have thus far spent around 40hrs reading (yes I'm slow) but with so many threads to pull together in order to compile the right info, its gonna take time. At this point, in the last 6 years I know that I've been charged around £6k in bank charges and another £3k by credit card companies. I also know that I have statements for charges going back to 1994 up in the attic (yes, I'm a horder!) which will probably throw up another few thousand. I guess what I really want to say bong is Thankyou for being sooo determined and showing me that there is light at the end of the tunnel. Will be starting my thread soon...
  10. You rock bong. I glad to see how it's allworked out. Been reading your thread start to finish (took 3hrs!) have headache and am going to bed but had to say cheers- will start mounting my attack in the morning!!!
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