Doh! sorry! claiming for late payment charges - which are extortionate! cheers Rich

Hi all, help please, i had a contract with singlepoint, whos provider was vodaphone, all invoices were from singlepoint, however i cant seem to find a link to anyone who has claimed against singlepoint, could anyone help as to who i am supposed to be claiming against...vodaphone or singlepoint? your help is much appreciated Rich

Hi all, is it just me or are there a lot of people out there whom the banks have refused to proceed any further without the knowledge of the court case outcome? - i'm quite confused about all this and would like some clarification as to what is going on and what i should be doing next as i sent the request for payment quite some time ago. regards rich

Can I Change My Mind If Ive Already Verbally Accepted An Offer - The Date For Court Action Was Last Friday 13th April Regards Rich

Hi All, i am so confused:???: thanks for your replies but i think i may have made a terrible mistake - i called the bank to re-assess what they were willing to pay me and i accepted their offer of 93% of what i was asking for before i had chance to really think about what it meant - however - i think i shouldn't have? - i didn't sign anything cos all it was was a phone call - so i assume it isnt legally binding? if i were to issue court proceedings would it go against me now that they have a recorded acceptance on there computer and can i still proceed down this route? i need some advice asap pls thanks rich

hi all, i have been sent a letter with an offer of roughly 90% of what i am asking for i the first place. what should i do - they have until fri 13th until i start court proceedings in which i will then add all interests etc... they said to me when i phoned them and told them that i wanted the full amount - their reply was that i must accept some of the costs that i was charges as i was negligent in my financesand that they never repay the full amount!!!!:o pls help - im unsure of what to do now?

Hi all could anyone pls advise me of the relevant address to put on the money claim form for the halifax:???: not sure weather it would be their parent company HBOS or just Halifax plc??? pls help rich

Hi Shellywelly,:grin: thanks for that i think i will cut and run, the lady i spoke to sorted it all out in the space of a week from requesting my statements to getting it back - pls find below her details and contact number: Karen - Visa Services - 01383 842 195 (direct number) very helpful lady:grin: hope she can do the same for you regards Rich:cool:

Hi Shellywelly, thanks for that i think i will cut and run, the lady i spoke to sorted it all out in the space of a week from requesting my statements to getting it back - pls find below her details and contact number: Karen - Visa Services - 01383 842 195 (direct number) very helpful lady:D hope she can do the same for you regards Rich8)

Hi all, i have just had a phonecall from halifax visa and they have made me an offer of £736, however my statement charges were at £650 + £72.97 interest added on (£722.97) when i first spoke to them they told me to "include the 8% interest on to the charges and interest as it would be paid out if it went to court anyway" - their words not mine!! - i did this and it all came out at £897.51 total pls advise on what i should do - they have offered more than i should have asked for in the first place but not quite playing ball with the 8% interest:o was it cheeky to ask for this and should i now hold out for it, or just cut and run with more than i bargained for? thay are insistent on putting the money straight back into paying my account off! boo - but i suppose it will cut my bill in two - is this right to do this any advise will be of great help rich

Hi Aaronsdad, sorry for repeating myself but, i faxed the letter in on 12th March (and have a fax receipt for OK delivery) and also posted that day - do i send the LBA out on the Mon 26th (14 days after fax) or wait until Wed 28th March (in order to give the post office 2 days grace in delivery)??? pls advise cos if i send out LBA for faxing then thats today!!! - which i will also fax and post!!! regards Rich sorry for being stupid!

Hi aaronsdad, i faxed the letter in on the 12th March and posted it out that night so i should post the LBA out on the 28th March???? cheers rich:D

Hi all:D i have just been touch with customer relations to enquire how my claim was progressing (sent in my request for repayment on 12th March by fax and letter, was informed they had logged the complaint on fri 16th March), they informed me that they would be in a position to deal with my claim on 10th April:o boo - that is way past the inital 14 days given to respond in the request letter!! should i send the LBA in 14 days after the 12th March when i faxed the letter originally, or 14 days after the 16th March when they logged the complaint on to their system?????:-| pls advise me someone! rich (not yet but will be soon;) )

Thanks bigmac, i suppose it is worth a try but do you think it could possibly have an adverse effect on my claim? Rich

Hi all, i have received a full list of all my charges only over the last four years which was when i joined the bank. - i dont know how i am now supposed to calculate my overdraft interest charges to reclaim - can i include a sentence in the preliminary request letter indicating to them that i require payment for the charges:- "I calculate that you have taken £XXXXX not including a total sum which you have charged me in overdraft interest for the sum which you have taken - which due to receiving a list of charges only was not possible to calculate, i therefore charge you with undertaking this calculation on my behalf and trust that this will be a true reflection of all overdraft interest charges. Total £XXXXX + overdraft interest or can a standard interest amount be applied to all charges??? pls help:D regards Rich

Hi all:) i hand delivered to my branch the requested SAR form and required £10 on 23rd Feb (had a copy signed and stamped by the branch for my records). I decided to phone up Customer Relations (got the number from this site) to check that it had been received by HO (this was Mon 5th Mar) and was being processed (nothing beats being diplomatically pushy! - in a nice way!) - they were very helpful in that they contacted the branch i use to ask its whereabouts!! - they had 'misplaced' it:mad: boo - but was told by the nice lady at customer relations that she would send me over a list of all charges for the last 6 years today! and asked me nicely not to put in a complaint as she would deal with the matter:rolleyes: he he - we shall see!!! my question is - is that all i need to claim (a list of all charges)? - im not sure weather there is any additional information on the statements that i need for this matter? any advice on this matter would be of great assistance thanks to everyone on this site anyway for being united in this cause! united we stand

Hi Guys, thanks for all your advice and support - i think i will go into the branch (the one i originally banked at) with a pre-prepared SAR form and some ID to acquire my Acc. No. and get it stamped as notification that they have received all info required. - woo hoo - lets get that money back also have Halifax on the go aswell - will keep everyone updated:D halifax - SAR sent off YB - TBA

Thanks Sarah, but do you think they will still have my details on record at the HO? - its been nearly 3 years - but they owe me loads!!!! anyone know?

Hi all, just like to congratulate you all on a great site:D , and ask if anyone has any info on how to retreive your past banking information after you have closed that account (yorkshire bank) i am wanting to claim against yorkshire bank - current account and visa for charges incurred, but have closed those accounts approx. 3 years ago which still leaves me with 3 years to claim for? The story: - when i closed the account the balance was at zero! however, it was due to have some charges which i told them i wasnt paying because the charges being applied to me were knock on from previous charges incurred - a chrge for being overdrawn, and then a fine for doing so, and then another fine for being more overdrawn etc..... it continued - therefore it was a self-replicating series of fines!!! (are you following?) - so off i went - then nearly 3 years later i was approached by a solicitors requesting £400 to wipe clear my YB bank account:evil:- which i paid - cant remember the name of the solicitor but was legitimate but now i am wanting to jump on the 'beat the bank' band wagon and get back what is owed to me! hopefully.... but my first question still stands - how can i acquire my bank details when i dont have an account there? help pls:D

cheers Aaronsdad i shall now proceed to bankrupt them! - :D rich

Hi everyone, when you are charged by your bank, the charge is related to a failed DD, SO etc... but if the failed DD etc... is more than that of the charge levied then does the charge apply and cannot be reclaimed - if you follow my meaning i.e i have £400 mortgage coming out which fails - i then receive a charge of say £28 for my troubles because the DD was initially so high - does that have an effect of weather you can claim it back or not? - bearing in mind that such a large amount invariabley needs taking into your monthly finances! just a thought cos i have lots of such charges - and then knock-on charges pls let me know rich

thanks guys - will let you know how it goes:D

Hi all, just took my SAR into my branch (Fri 23rd Feb) with a copy for them to stamp (which they did) for my files - and forward it off to head office - firstly - is this the right way of doing this. - should i have gone straight to HO and secondly how come there are so many different tales of accomplishing the same result :-| - some peole just phoned up and sorted it there and then and then some people have been taken to the excesses of going/almost to court! what is the likely outcome for me? if that can be surmised :-? - i have followed to the letter so far and intend to carry on with what has been supplied on the site/forum regards Rich:cool: