right again highlighting the part as in the letter in templates explainning you are in hardship. we did get that letter the one with the income and expenditure form followed

if the oft are going to cap the charges that the banks are allowed to charge, as i understood was the case with credit card companies, will we then have to reclim the difference in fees?? Or will we not be allowed, any one got a clue???

no we were claiming charges as there is the stay we asked them to look at our case ass the oft has said that they still have to look at cases of those in hardship. they sent this form to prove hardship then said as we dont owe them money they wont look at it

it was an income form, it showed clearly that we cant make ends meet, but they said as we dont owe the bank money there is nothing they can do???

We got a form from NatWest as we saud that we were in financial difficulties, it said to fill it out and they would see if they could look at the claim. We filled it out that shows we dont have enough to make ends meet, with 2 young children we are getting worse and worse as the time goes on. We are 2 payments behind with our car HP, we have baliffs knocking on the door for council tax, we have made an agreement with them now to pay only £100 a month. But NatWest said they cant help or look at our case/claim as we do not owe the bank money and there is nothing they can do. Is this the case??? At lease if we could get the £1000.00 back we are able to clear the car arrears and the majority of the baliff, any suggestions or what i should write would be really helpful.

please please can i have a copy of that letter i am desperate to get something firm going now, after the 20th ... yes 20th tme the new car has dieed and needed towing. i have tried to write before but would like to start with the letters from scratch. so if it goes as far as the court i have done everything

I have read through so many forums when will this test case actually be heard it seems there is no definate date. Although at the moment with a new baby we can not make ends meet Natest said that they will not look at our case as we dont owe them money. We sent back a form that showed we have more going out than coming in since i got made redundant on maternity leave and have no income. And are paying rent and living of £300 a week (oh's income) we have 2 kids and a mountain of bills at the moment - they are even threatening dis connecting our gas as i cant pay the bill. How can we not met the criteria, they simply said as we dont owe the bank money they cant help??? Any advice would be greatly appreciated

I am confused about this test case i got a letter from barclays saying that they are not investigating any claims until the outset of the test case, but i have read through and it seems people are still going to court, This site is now so hudge its like finding a needle in a hay stackt o find out what it actulally means. i know this information is on here but i do not understand what it means. Any one that could tell me in black and white would be appreciated.

he should check that its credit not HP though, if its HP and they havent padi more than 1/3 they can take it without a court order, if they have paid more than 1/3 they need a court order to take the car

She has done Bank have done Asked for the statements Sent the letter with the basic - spead sheet attached, They then sent a letter to say that they would be in touch within 8 weeks then sent a reminder letter they then sent a letter to say they would reply by 28th july then this morning they got a letter just saying they refuse to repay charges WHAT DOES SHE DO NOW

please help my friend gave the bank until today as they said they had a back log and it would take longer to deal with the request than thought they are claiming £3800.00. the letter basicly says we are not prepared to refund you anything. What does she do, this is barclays

hi there , yes i have paid well over half i have said i wil pay them but want statements first to see if the amounts tally up. I cant see how they have put another £300 over night now they want £870...... yes over night. I know if i send of the SAR they will never come hopefully this way they will arrive before i clear the debt off which i have said i need a week to do. Actually have i done the right thing i have written to them and said i need a week to pay and i cant pay it before and i want them to advise them of the court procedings case number and court which authorises them to come and take the car on tuesday as they have just told me they will do unless i pay £600 tommrrow. But my money tree isnt in bloom yet what do they think people are rolling in it, I am a mum of 2 young kids if i had £600 laying about i would be very happy

Thank you

i fell in to arrears with my HP and i have now got up to date the thing is i have been charged extaushantly about £350 in over 3 months..... yes thats correct in 3 months, they charged £35 a letter and no matter what kept sending them out. I want to claim all of this back i am just concerned that they will say we are closing the account down. I paid additional interest which i am ok with as payments were late, and although payments were late they can see i have mae things up. Please advise as i cant get credit anywhere else and also i cant loose my car.

I have fallen in arrears with my car hp, due to health reasons, i have sent the money by BACS to capital Bank, but today got a letter from Buchan Clarke Wells that have magicly made a £710 arrears in to £890. Do you know if i have to pay the charges to BCW, Please help i thought i had got through all this.

Can you give me the details of the FSO please. xx

I have fallen behind with some payments with capital bank PLC. We are in a position to clear them off now but are still only 23rd's through the agreement can they take the car back. If it went to court and we said we had cleared the arrears off and would keep up to date what would happen. Also can they close the account if i claim the charges back, as i have had over £150 added in 3 months. I am happy to deduct the amount from the balance of the agreement.

Thank you all i will give them ago thank you so much. xx

I have fallen behind on my hp with the dreaded capital bank i get paid in a week and will clear all of my arrears off then. But can they still take the car i have paid over half of the agreement. I think i have been charges in excess of £800 in charges from them. Do you think if i clear the arrears then hit them with the letter of DPA they will continue action to take the car. I am desperate for any advise, as i simply cant pay before and cant loose the car.

I wouldnt hold your breath they are useless. i will find the address and post it tommrrow. I hope you do not mind me asking are the collection agents claining just arrears or are they trying to claim the car. I dont get apaid to next week and i have £710 of arreas and about £200 of that is charges, but i cant loose the car, i will clear the arrears as soon as i get the pay packet ive been waiting for. Then once up to dat e will hit them with the calimning charges letter.

I fell in arrears and am about to send them a cheque to clear all of them off, what can they do if i continue making payments once i am back on top of things can they still try and get the car back, its been a nightmare i would advise anyone to steer well clear of them when buying a car

I know you will all read this and say silly moo. But i am in a real mess and need some advise. An ex partner got me in mega mega debt, i mean £30k, worth of debt and i was only 21. I done everything i could and so no one found out i started an IVA. Well now i have a new partner, and if i tell him he will leave me, (he has already done the disapearing act 3 times on me). I now have 2 children and am struggling to pay everything , i have sent another income and expenditure form in, but do not know what to do, as they are threatening that they will decalre me bankrupt. I have nothing above the ordiary, a basic tv, 2 basic broken portables, bedroom furniture, sofas, basic midi system thats about 10 years old, side board, washing machine and fridge and freezer. I have no jewlery or anything like that. I want to keep with the IVA as i will end up totally on my own if he finds out. Any advise, would be muchly appreciated.

on satuarday we had a major problem with a tragffic warden and i want to know what he is done is lawful. I dropped my hubby off in a pay and display car park as he was going to get some milk and walk home, as i went to leave my 10 week old started screaming so i reversed in to a space and put her dummy in. This waren then stood informt of the car and said "get out of my car park and or i will give you a ticket" i then said its not your car park and tried to drive off as i drove off he shouted you stupid sl*g. I stopped the car and at the point where he had said it my husband came out of the shop, and sho7uted what did you jyust say to her. To my total amazement this attended then totally fronted my husband and said what are you going to do. I paniced and said enough is enough, as he was funing and could see the traffic waren was clearly proviking him. He then got on his raidio and said code red i have just been assaulted. Luckily a guy had seen everything and shouted "what are you on about he hasnt done a thing to you, and i will back him up 100% as that is out of order". He jumped on his bike and drove off shouting you will get a ticket you see. What do i do, can they issue a ticket when you are in a car thats a pay and display car park , he could clearly see what i was doing, and can they try and pick fights, then try and get someone in trouble when nothing has happened, and what do i do if a ticket comes through the door. Any Help or advise would be gratly appreciated.

i have just found and logged my complaints with capital bank with watch dog,,,, please do the same. BBC - Consumer - TV and radio - TV and radio

can i calim the charges whilst i still have an agreement or will they endthe agrrement and can they do this, ??