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Pauline123

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  1. I've actually contacted the finance company, who have told me that they have been explicitly told to not discuss the account with me. Despite the fact that I have made all payments, totalling almost £7000, he can call them up and ask them to take the car and they will. I have no claim on the car. Payments made are taken as being made on his behalf, and anyone can make a payment on any account.
  2. He's now told me that he's contacted the finance company and told them to send any correspondence to the address where he's staying and has changed the password on the account, removing me from the authorised persons. Should I go to see a solicitor or contact the finance company? Any suggestions?
  3. Yes it's definitely one of spite. He assumes he's doing me a favour by leaving things as they are with me making the payments and having the use of the vehicle. He's also made comments about it being his credit rating that will be messed up if I miss payments. It's all about making things difficult, despite there being 3 children to consider (we don't live within walking distance of school.)
  4. My husband & I bought a car on finance almost 3 years ago (18 months owing.) The finance is solely in his name and the car documents are in my name. I have made the payments from my sole bank account as I have been the employed one, and I've dealt with the finance company on any calls. My husband is banned from driving and the car has been used exclusively by myself to get to & from work & to drop the children off/collect them from childcare. Without a car I would not be able to get to work. My husband has walked out & is threatening to either take the car away from me or cancel the finance. I have also paid for replacement parts, MOTs, tax. Can anybody advise on where I stand with this? I have a poor credit rating & so am unable to get finance myself or a loan to pay off the remainer. Thanks for any advice.
  5. This whole thing is confusing me Since I had my baby I can't even think properly!!! Stupid banks...
  6. I sent a request for a list of charges which I received (along with somebody elses!!) and paid £10, and then a letter asking for the charges to be repaid to me. Received a letter back from them in response to my second letter telling me that the charges applied were for dealing with my request to go over my agreed overdraft limit, they are not default charges because I haven't broken my agreement, they are prices for the service they provide.
  7. My brother once received a letter informing him of his charges and in the same envelope were letters for about 8 other people informing them of theirs, except they went to him! So I'm ok to send a preliminary request for payment using the correct amount or should I send a LBA with the amended amount on it?
  8. Hi I was going to send out the letter before action today, having received a response from TSB stating that their charges are lawful, but have come across a problem. I've noticed on the print outs that Lloyds TSB have sent me that the majority of the statement entries they have listed are for an account that is not mine. It clearly states the account number at the top of each sheet, but I automatically assumed that when I requested a list of charges they would surely only send mine, and therefore my charges aren't as high as I thought. (They should compensate me for making me think that they were!) Therefore I have sent a letter asking for a refund on £2800 ish and it looks like only £1100 ish are actually my charges! So where do I go from here? Should I start the procedure again with letter 1 with the correct amount of charges? Proceed as if I hadn't noticed the different account numbers? Or make a huge issue out of the fact that somebody elses bank charges have been sent to me? I hope they haven't been sending mine to anybody else! Help
  9. I've eventually got my head around the letter before action, and was to send it today but have come across a problem. I've just noticed on the print outs that Lloyds TSB have sent me that the majority of the statement entries they have listed are for an account that is not mine. It clearly states the account number at the top of each sheet, but I automatically assumed that when I requested a list of charges they would surely only send mine, and therefore my charges aren't as high as I thought. (They should compensate me for making me think that they were!) So where do I go from here? Should I start the procedure again with letter 1 with the correct amount of charges? Proceed as if I hadn't noticed the different account numbers? Or make a huge issue out of the fact that somebody elses bank charges have been sent to me? Help :/
  10. I'M EVEN MORE CONFUSED NOW!!! I've eventually got my head around the letter before action, and was to send it today but have come across a problem. I've just noticed on the print outs that Lloyds TSB have sent me that the majority of the statement entries they have listed are for an account that is not mine. It clearly states the account number at the top of each sheet, but I automatically assumed that when I requested a list of charges they would surely only send mine, and therefore my charges aren't as high as I thought. (They should compensate me for making me think that they were!) So where do I go from here? Should I start the procedure again with letter 1 with the correct amount of charges? Proceed as if I hadn't noticed the different account numbers? Or make a huge issue out of the fact that somebody elses bank charges have been sent to me? Help
  11. Hi All, Charges that have been made on my LLoyds TSB account relate to returned cheques/direct debits, and have been for £35 each. I'm not sure if these charges are refundable. I'll explain what's happened anyway. I requested details of all charges applied to my account over the last 6 years with the following wording "I request that Lloyds TSB provides me with details of all default charges for unauthorised overdrafts and unpaid direct debits/standing orders/cheques I have paid in the last six years." They responded dead on the 40 day deadline for this with a list of charges totalling £2890. They charged me £10 for this. I then wrote back, requesting a refund on these charges. 2 weeks later I have received a letter which states "Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly." Then "We feel it's fair to charge for this service." It also states "The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about "default" charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. These are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations." They then state that they cannot agree to cancel the charges, and that if we cannot come to an agreement they will provide me with details of the Financial Ombudsman Service so they can consider my complaint independently. I'm very confused :/ Is this right? Should I pursue this further? Thanks
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