Thanks for your reply. Is it known that they do accept the monthly fee minus the admin charge?

Hi everyone, it is a long time since I used this site, but would really appreciate some help and knew this would be the safe place to do so. It seems many others have been in a similar predicament. Joined Fit4Less in Halton, Leeds last summer. I was not really using it during Nov/Dec so cancelled the DD in mid December believing that I was under no contract terms as had taken a rolling monthly contract. I was away for a few days over new year and returned to a letter from Harlands requesting £16.99 missed payment and with a £20 charge slapped on for admin costs. This sounds ridiculous. Please could you advise as to what to do. Surely I shouldn't have to pay such a massive £20 charge? I have read some of the threads but am unsure of the success people are having in dealing with Harlands. I am a little anxious as feel I shouldn't pay it but don't want loads of debt collection letters. Thanks in advance

Hi, thought I'd update what's happened so far. I was given a substantial offer from HSBC which I chose to accept. It was a figure far greater than I could have imagined and all came from the questionnaire they sent me!!! I am now awaiting response from Santander, again from them contacting me. I haven't sent a single letter to complain! If there are in the wrong, they seem to now be being proactive!

Reagrding HSBC Loan - telephoned them today and got some info - but not much and easier to get blood from the proverbial stone! Loan was paid off in Feb 07. I received a Loan Protection refund of £930, but would this be a refund for the remaining months of the loan that I paid off early rather than the months I had paid already? Surely they wouldn't refund what I'd paid previously as they wouldn't have done anything wrong in their eyes in 2007? Santander appear to admit I had PPI for 14 months between 2007 and 2008. They were very helpful to speak to. They said if I was to be found that PPI was missold then I'd get a refund plus 8%. Does this sound right? Thanks.

do you think they'd have bothered if there wasn't a case to answer?

Thanks. So if I give them to the end of next week to give me a decision. After that, the SAR will give me access to anything to do with the loan numbers I give them. Is this correct? I agree, it would seem to be that I did pay PPI having received the questionnaire. How can I prove to them I didn't know about it? Surely it's my work against theirs. It's a bit frustrating. Sorry for all the questions already! Just trying to get it straight so I can plan what I need to do.

Thanks for the quick reply. It is for two loans. My HSBC loan was taken out in 2004 and closed circa 2007. I have no documentation for this, but on a letter from HSBC since, they have included the loan numbers in the subject heading. I'm hoping that this gives me something to go on. I would never have been in touch about PPI had they not contacted me, but guess proving that I didn't know I'd accepted it is pretty difficult. I know not of how much PPI I ever paid. I'm hoping that HSBC sending the questionnaire is in some way an admission of guilt and I may get an offer in the next week. However, I must admit I am reluctant to trust what they are telling me. They may even come back and say that they have investigated and I'm due nothing. In which case, I'm tempted to escalate it myself. It's exactly the same issue for my Santander loan.

Having heard a lot about PPI in the last few years, I was always tempted to find out some more information but never did so from believing I had not ever paid it. Back in April, I received a questionnaire from HSBC about PPI. This to me seemed like an admission of guilt in receiving the questionnaire alone. I duly filled it in and returned it. They said I would hear back in 8 weeks and i am due a response by Friday 15th June. I phoned them yesterday and no decision had been made yet, but that I would hear next week. Surely this is cutting it very fine. The more I think about it, the more annoyed I am about having paid this. Please could you tell me if the following factors make me a candidate for a claim: 1) I didn't know I paid any PPI 2) I have always been in a secure profession with a generous sick pay should it ever be required Then lo and behold, last week I had a different questionnaire from Santander! I'm really confused as to what's going on and if I'm in line for any refunds. Your help and advice would be greatly appreciated as this site was such a huge help when I reclaimed bank charges several years ago. Thank you!

Hi there, I'm going to try and reclaim on my Abbeycard but I know they are now owned by Santander. Where do I send my data request to please and is there a template you can direct me to. Thanks.

Hi there, I was wondering if someone would not mind giving me advice about getting my original cca from Capital One as i do not hold a copy. i have heard that i may be able to get my debt written off if the terms were not drawn up correctly pre 2007. My card was taken out around june 2005. Is there a template letter that you could point me towards please and is it likely that I have a case? This website has been very helpful in the past so i thank you in advance!!

Hi, Had about £100 of charges on my Abbey Credit card. Am I right in my understanding that I can claim as credit cards are not on hold? Also, what are Abbey like to deal with? I think i will probably go for this! Thanks

well i still have no statements and i still don't have a clue as to an exact amount. i dont know whether to guess! they really dug heels in about sending my statements!

Thanks Steven. Should I send another SAR as its been a year or so?

Hi there, I had a loan 3/4 years ago with HSBc and am pretty sure i had PPI. Is it worth me trying to find out if i was mis-sold insurance? I have no idea to be honest and I don't have a record of my loan agreements. Should I bother and if so where can I find the SAR? Thanks.

Hi, I started this thread a long while ago and am aiming to get back on the case! GE eventually contacted me and siad they no longer held information on closed accounts. Lies probably! I would estimate that they owe me £300-£400 but i have no evidence without statements. Any advice on what I should do to get back onto them???

Received a prompt reply this morning stating that HSBC believe all charges to be fair and reasonable. In summary, it also said: 1) The OFTs investigation led HSBC to change its market practices and reduce its credit card charges for the future. These changes do not affect charges that have already been applied. 2) They regret they are not prepared to make any refund of default charges or provide any compensation payments. 3) Thank you for contacting them and they hope that the matters have now been resolved. Please could you tell me if this is a standard reply or if it has been seen before and should I now threaten court action???? Thanks

Thanks Pete. Just to let you know I sent my LBA today claiming £199 in charges without interest at this point. Let's hope for an early settlement!! Fingers crossed and will keep updating!!

Hi there, been a while but have finally got my list of charges from HSBC. About to send my first request letter for £200. Please could someone let me know where to send it and whether I should claim interest or not. Charges date back to 2004. If you think I should then please could you post a link for the relevant spreadsheet for a credit card claim. Help would be very much appreciated!! Thank you!!!

I used to have a credit card with HSBC, which I have since cleared and cancelled about 2 years ago. I have read recently that although there is a test case for bank charges at the High Court, this does not include credit cards. Is this correct? I am also concerned about persuing possible charges because I made a successful bank charges claim last year on my HSBC bank account for the sum of £390. I am worried that if I pursue a claim on credit card charges they will close my HSBC bank account. Is this likely??? Finally, all I have is the credit card number so if I send a SAR will they still have my data?? - I have one statement that I can find!! Thanks!!

If you have to start MCOL in order to retrieve statements from a SAR, do i get my court fee back and if so how? I'm a bit confused about this. Still no statements after 77 days!! Thanks.

Still no statements form GE Money, I have phoned and phoned but still no luck!! Sending this if you think it's ok! Please could you let me know?? You have failed to comply with my Data Protection Act Subject Access Request dated 26th April 2007. GE Money had 40 days to meet my request and so far this still has not happened after 77 days to the date of this letter. I am extremely disappointed with the unprofessional attitude and poor customer service of your company. I have made numerous polite calls for you to send copies of all my statements for the above accounts since they were opened. Last month, you even cashed my £10.00 cheque to cover the cost of this, whilst not even having the decency to fulfill my demand. This cheque was sent with the original letter. I have made several, time consuming phone calls to GE Money, left messages for you to contact me and even made an official complaint that has never been acknowledged. I feel that this is a disgraceful way to treat a customer. I am writing to inform you that unless I receive all of my statements for both accounts within 7 days I shall seek a court order obliging you to do so and also contact the Information Commissioner and the national press. I have no doubts that the courts will take a very dim view of your behaviour and neglect of your obligations.

I gave Barclaycard a chance to settle before court action for a figure slightly less than i originally requested with new statements because i was told they were really tough. 7 day deadline is up tommorrow so can i file MCOL for the original amount. Didn't really have to want to do courts so i tried to negotiate a little but no luck, so will have to file i think!

Getting really annoyed with GE Money!! Rang twice now after giving them a 7 day deadline on 11th June to comple with my SAR request and still no statements!! GRRR!! They are telling me that the 40 days counts from when they cash my cheque which was not until the 15th June after my forceful follow up letter!! My original request was on the 23rd April and they have acknowledged this on the 7th saying it was received but they are really busy. Shall I file MCOL as they havent complied within my deadlines. Also what do i write in the particulars and will they pay me my filing fee back??? Thanks!

Hi there, could someone please give me an address for my prelim letter requesting charges back from Capital One. Only claiming back £60, but sixty quid is sixty quid and I would like it back!! Thanks!!

I know for definite that's not all the charges, but i can't believe they have started refunding me when i haven't even asked!!! What are they like to deal with when I finally get my statements??? Also, should i wait the extra 2 weeks like they have asked me to??