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knight666

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Everything posted by knight666

  1. Ahhh I see, thanks Dx and Slick. It was a broker that I have spoken to that said I may have difficulty with the late payment on my record so I panicked! If you guys think it should be ok then I may not bother trying. Yes the other markers drop off at the end of this year so I may wait, just to be on the safe side! Thanks again for the advice, much appreciated!
  2. Hi Guys, I have one late payment marker from Barclaycard from 3 years ago which I have been told may affect my chances of getting a mortgage in the near future. This is the only late payment I have on my Credit Report in the past 5 years so would like to try and get it taken off if possible. I think the payment was literally 3 days late due to a banking error on my behalf but it is still there either way! I do have some other marks on my credit report which are 5+ years old but they are due to drop off after this year so aren't such an issue. I was just wondering if any of you guys have seen or had any success with getting things like this amended by BC with a good will letter and if so could advise on what is the best way to go about it? Thanks in advance!
  3. Hi everyone, I've recently received a letter from Halifax, I think its a standard one, it states that all charges are fair and we will continue to charge you if you have failed DD's, go over your over draft blah blah blah! I already sent my LBA off about 3 weeks ago, I've stuck with my deadlines with all letters and it looks like I'm gonna have to file an N1 or MCOL - just waiting to get paid on friday so its gonna be a week or two late, will this effect my claim do you think? I havent received any kind of offer so far, they have stuck to there guns so it looks like I'm gonna have to take it all the way! At the moment my claim lies around £4500 before I've added statutory interest so fingers crossed!
  4. Ok dpick no worries..... If anybody else can help I'd be much appreciated. I'm looking forward to sending the prelim off! Cheers!
  5. Ok... statements arrived on Saturday and after 2 hours of furious marker pen action I arrived at a whopping £4498 of charges over exactly 6years!! I've put together the scedule of charges and one thing thats slightly confusing me is - on the prelim letter it has a section that states the amount of overdraft interest you have been charged aswell, does this go on top of the total of charges? If it does how do I work this out? :? I do know that the standard 8% interest doesnt go on until LBA stage... Sorry if I'm being a bit thick just dont wanna mess things up at this early and crucial stage. Thanks everyone!!
  6. Thanks everyone your help is much appreciated! I'll keep you posted on future events.
  7. Hi everyone! I'm still waiting for my statements!! Its been dead on 4weeks so I thought I'd give them a quick call to chase them up.....guess what....they had nothing on there system stating that I'd requested my statements even though they had banked my cheque for £10 on the 26th of Feb!! I couldnt beleive it! The lady I spoke to apologised and said she would re-order them for me! From now on I'm gonna be phoning them to check progress on a regular basis... When they eventually do arrive does anybody have the address of the best place to send my request for charges? Many thanks
  8. Hi everyone! I'm still waiting for my damn statements! Its been dead on 4weeks, I know they've got 40 days but I think its time for a phone call! When they eventually do arrive does anybody have the address of the best place to send my request for charges? Many thanks
  9. Hi everyone, I'm fairly new to this but I've read through the FAQ section and think I'm ready to go! I sent off the request of bank charges to the halifax on the 21st of Febuary...... havent received any aknowledgement from Halifax yet though but I've checked my statement on line and they banked the cheque on the 1st so I suppose its just a matter of time! :grin: I'm really looking forward to this but am also quite nervous!! Any guidance will be much appreciated. I think I've been quite bad over the years so I think its gonna be a biggy!! With a bit of luck I'll get if not all then most of it back, It would be lovely to pay my holiday off and have a nice chunk of spending money to take away with me.....Florida here I come!!
  10. Thanks Louis, I've spent the last 2 weeks reading through the Halifax success's and I'm fairly confident! Its just you always think your gonna be the first to cock up or lose or something! I suppose its natural. I'll start a thread in the Halifax section and make sure I keep it updated, thanks again for your support Kind regards Knighty
  11. Hi everyone, I'm fairly new to this but I've read through the FAQ section and think I'm ready to go! I sent off the request of bank charges to the halifax on the 21st of Febuary...... havent received any aknowledgement from Halifax yet though but I've checked my statement on line and they banked the cheque on the 1st so I suppose its just a matter of time! I'm really looking forward to this but am also quite nervous!! Any guidance will be much appreciated. I think I've been quite bad over the years so I think its gonna be a biggy!! With a bit of luck I'll get if not all then most of it back, It would be lovely to pay my holiday off and have a nice chunk of spending money to take away with me.....Florida here I come!!
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