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  1. I have owed council tax for a while now and have been paying it off with the baliffs, and up until yesterday I owed £145.17 yesterday a baliff arrived at my door, with a letter stating I now owe £345.17 They had added £200 on for delivering a letter to me. I asked what it was for they ignored me. so I sent an email to the council stating what they had done, they told me to pay the amount owed along with the baliff fee. I emailed the baliff to ask them to give me a breakdown of the fees, I heard nothing, just that the fee was justified. Today i paid the £145.17 to the online payment system at the council, then emailed them to tell them I had done so and what it was for. then I recieved an email from the baliff saying as a good will gesture they would waive the £200 baliff fee if I paid by 9am tomorrow morning at the office. i emailed them to say i already paid direct to the council along with the reciept, now they are saying they want the £200 paid in 2 days or else they will come and take goods. can they take goods or even come in when the outstanding amount on the walk in poccession order is fully paid up now. as this new charge was not included, this was for him coming yesterday. please help me. I will fight this but need help and to know if they can come in.
  2. hiya no they wont owe you anymore on the old claim, the £47 they made will be what they have given you and you should get money from your new claim, every 4 weeks, but dont quote me on this,
  3. I needed a business account early last year, and had only been with abbey 2 months with my personal account, I called them and they set one up straight away, as long as you dont want an overdraft or loans they are happy to open a business account for you. yes they do a credit score but mine is really bad and I was excpecting a no, and was relieved to hear them say yes, and she said it was because i didnt want overdraft or loans. hope this helps
  4. hiya I was havng the same thing with RMA, barclays kept adding charges onto an account i no longer use and it escalated to over £660, I wrote to them and said i am not paying as these are charges you have added and they sent to RMA, who contastantly called etc, in the end id had enough, i sent them an email stating the account with barclays was in dispute and i recieved an email back saying they were really sorry and they have now passed back to barclays, I havent heard from them for months now. just send them a letter stating account in dispute and they will leave you alone and then you can deal with barclays. hope this helps hun
  5. Bank of America customers will soon be unable to spend more than they have in the accounts linked to their debit cards. It's a step that may become a common move ahead of new regulations limiting overdraft fees. BREAKING NEWS Ukraine angers Russia with its intention to join NATO Red Carpet of the Oscars 2010 More... Rules set by the Federal Reserve that will ban banks from charging such fees, without first getting permission from the customer, are set to take effect July 1. But Bank of America is going a step further than the regulations require. It will simply no longer allow debit card purchases to go through if there isn't enough money in the account,The Associated Press*reports. The Federal Reserve recently announced new requirements that are slated to go into effect in July. But the Charlotte, N.C.-based lender's move goes one step further. The Fed's new rules will prevent banks from automatically enrolling customers in overdraft protection programs, which charge fees when consumers spend more than they have in their accounts. More than 75% of banks automatically sign customers up for overdraft programs, according to a study by the Federal Deposit Insurance Corp. With the bank's new policy, BofA (BAC, Fortune 500) debit card purchases that would push checking account balances into the red will be declined for new customers beginning in June, and for existing customers starting in early August,*CNNMoney*reports. According to*Credit Union Times, the bank said it was reversing its previous policy "to provide more control, choice and clarity for its customers," adding that "this change will help customers by reducing the likelihood they may inadvertently overdraw their account and thus eliminate unexpected overdraft fees on these transactions." Customers who choose to can link their accounts to an overdraft protection account which would allow them to continue to overdraft their debit cards when they need to, the bank explained. "Our customers have been clear that they want to know if a purchase is going to overdraw their account," said Susan Faulkner, deposits and card product executive. "Our solution is simple, clear and helps customers control their finances by reducing the possibility of over-extending themselves at the point of sale with a debit card."
  6. we are in hardship as I am the only person working in the household, hubby lost his job 2 years ago and still unable to find work, we do not recieve benefits as we were told i earn too much, altho how they can say £20.000 is too much i will never know, we have 3 children, my son who is 19 does not work or recieve benefits, but still lives at home, as i am supporting him and we have a 14 year old and 3 year old. we have to pay all our own rent and council tax etc. so we really could do with the money. if i was to do this on my own how would i prove the bank treated my account and then my hubbys account unfairly.
  7. send them a prove it letter, im sure that if you still owe it would show on your credit score, and if not and you admit the debt then they will soon put it back on there. im sure someone will come along and give you some helpful advice.
  8. hiya my daughter is doing her work experience too, but the school informs the pupils at the start of the school year, so it could be your son knew about it but forgot to mention it to you. schools do have a habit of springing trips etc on us at the last min and expect us to fork out, and if we dont the child looses out on a trip because of it, so we damned if we do and damned if we dont. hope you get it sorted hun. amanda
  9. Hi I would like to claim back all my bank charges from barclays, and i would like to help my hubby claim his. my claim, they caused me to go into overdraw by adding charges each week or month and now they are out of control, they have passed to a dca and I have told them the account is in dispute, and they have stopped all communication, barclays sent me a letter yesterday with the usual crap saying that as they won the case blah blah they will not be dealing with my complaint and i have 8 weeks to respond. so far I have only asked them for the statements, which have recieved for both mine and my hubby, but what do I need to do now. Please help.
  10. well its been a while, most are ok and set up payment plans but wonga omg they are so unhelpful, they would send me an email stating pay up and i would respond with the same as always would like to set up payment plan, they would reply saying i have to call collections as they do not have email. its been like this for months, today i recieved this email Demand for Payment Take Notice: Amount You Owe £592.00. Date You Must Pay by: 12 pm on 07 Jan 2010 We have been instructed by Wonga to recover from you, a debt of £592.00. Our clients have advised us that despite several attempts to secure payment of the above noted debt, you have failed to make good on your contractual obligations. Your protracted failure to pay this debt has led to the addition of a default fee of £50. Continued late payment may cost you even more, so it remains in your interest to deal with this matter today. Contractual interest continues to accrue on this debt and every day that you delay will result in you paying more than you need to. Our job is to help you deal with this problem, or in the event that you fail to deal with this serious matter, to ensure that this debt is recovered by taking legal action against you or to collect it by any other lawful means. Take our help and call us today. Our number is 0844 842 9110 Act Now: Contact us immediately to arrange repayment of £592.00. You can make your payemnt by debit or credit card. Remember: Late Payment Costs More. Talk to us and we can help. Yours sincerley, Barker and Lowe so I responded with this Thank you for your email. I have made several attempts to wonga to set up a repayment plan for the outstanding amount, but to no avail, i have copies of all emails I have sent as proof. i will not be paying the amount you state I owe, i will be paying the amount of £205.50 which is the original loan amount with the interest. and that is all. If this is not accpetable then please take me to court, so you and wonga can explain the outrageous charges you have added on top. I am willing to set up a repayment plan with you for the amount of £205.50 to be paid by standing order only, at the rate of £10 a month until i am in a better financial situation. please communicate in email only as I will not be taking calls. do you think thats ok, i feel really bad now but i dont have a pot to p in at the mo and just cannot afford to pay all up front and omg the interest they have added. grrrrrrrr
  11. If you can pay it and it doesnt leave you short then thats great, but if you think that you will need to re loan then just default, cancel your card, change bank , also send letter to your bak stating that under no circumstances are these ppl to take any money from your account. make sure no money in that account so they cant take it, send them an email ( do not call) saying that you cannot afford to pay it back and could you set up a repayment, dont call them and dont take their calls, they are rude and bullies. read all the advice on here, these guys are great and have really helped me.
  12. ignore all the calls, it will eventually be passed on, i am going thru the same things at the moment and so are hundreds of others your not alone hunnie, just keep making sure they dont reset up the direct debit, change your number on the website give a fake one, it might hold them off for a while, but do not speak to them. everyone on here is very helpful, i couldnt of done it without their help and we will all help you. keep going hunnie your doing well so far.
  13. hi they sent me a pdf so i cannot copy it, if you send me ur email i can then forward it to you
  14. its for council tax, they wrote down on the first wpo as hubby let him in, 2x 2 seater sofa;s sky box, dvd player, sterio separates system. this was all paid off and then another arrived to which my hubby signed new wpo but not in the house, he piad him some money and the guy was sat in his car and thats where hubby signed this. he just wrote everything down from the last wpo. what i would like to know is can they still charge £200 for enforcement or levy goods even tho they didnt. i am confused with all of this stuff. also charged me £80 for OOA? they say its an admin charge, admin charge for what. i think they are really taking the p***.
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