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john10

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Everything posted by john10

  1. john10

    Hsbc

    Thank you for your help I will do that
  2. john10

    Hsbc

    Hi I won some of my charges back through the hardship which really is the case I am still owed 1100. My account in there eyes is overdrawn which is still down to charges and they are demanding the money back, They are harrasing me with telephone call to my home and mobile. The bank will not accept that I am still clainimg are are demanding the money which is about 295.00 pounds can any one help?:?
  3. Hi I am looking to re-mortagage my house. At the moment we are with Kensington Mortgages we have never misseda months payment. I have a basic account with Santander and would like to apply to them. Unfortunately I have a bad credit rating. Do you think it will be worth me asking ?or will I just be told no chance. Just scared of the embarrassment,
  4. Thanks for that but I have quite a bit of debt that needs sorting out.
  5. The name of the company is Finacial credit help.
  6. Hi do you have a template for claiming hardship Thanks
  7. Hi I am doing this for my sister who has a problem. She has spit from her husband now for 6 years. at this time her husband as said he will sign the house over to her, can this be done while there is still a mortgage on it as well as a secured loan. Any help will be appreciated
  8. Hi I have recently joined Finacial Credit Help Company to help sort out my debts. Does anyone have any knowledge on this company and does it work
  9. I have received a reply from the bank what they have offered me is 216 pounds and they say this is not a final settlement. They say this should cover my shortfall deficit for the next two months and they will then review it again in July.They say this should not affect my court case!!! Do I carry on with the court case? Thanks
  10. Hi as I told you I rang the hsbc on hardship which they say should take a month, What baffles me the amount of charges this month have been taken and replaced with an overdraft . In my eyes they have taken their charges which was 2 days early anyway and because this money was taken they gave me an overdraft to cover their charges, I am sooo confused. Will keep posted on what happens next
  11. I received a letter today saying for me to call the bank to discuss any finacial hardship which I did and gave them an income and expenditure ver the phone, the lady says I should here from them in 4 weeks has anyone ever had any luck with this and received there money back.
  12. Thats brilliant thankyou both I had to go off for a bit but thanks anyway.
  13. No it prints out without that on it only has amount and date incurred
  14. Hi I ordered a three and two peice leather suite from freemans. Firstly when we received it it was the wrong colour i ordered a cream one they sent a black one . Then when they came to pick it up they had the right colour but it was water damaged, they took that back. When the right one finally arrived after about 2 weeks the stitching came apart, then it looked deflated. I informed Freemans of this and they said they would send someone out to look at it which they did. The company who came out said we need to come back with the right tools to fix it. Again we where left with a damaged suite. 2 months later someone else turned up and said the same thing again we where left to wait. Eventyully the bloke turned yp fixed what he was supposed to do, but while he was here he said you have not had this suite for 12 months why are we putting up with just getting it fixed. Ihave only made a few payments on this and I have now refused to pay anymore until I receive a new one or get my money back and have told freemans to come and take it back. Any advice on what do do next would be greatly appreciated. Thanks Marie
  15. Hi Johhny Sorry to be a pain you say add the spread sheet with daily intrest charges I HAVE A SPREAD SHEET COMPLETED BUT DO NOT KNOW HOW TO ADD THE INTEREST CHARGES. DO I COPY AGAIN ON TO ONE THAT I WILL GET OFF THE FORUMS ,AND IF SO DOES THAT CALCULATE THE INTREST ON A DAILY BASIS FOR ME. SORRY FOR BEING A FOOL ON COMPUTERS
  16. Thanks Johnnymitch thats a great help will domit now
  17. Thanks how do I do that, do I send it to the bank or straight to court. I am trying to fill in the N I FORM and then print it do I have to copy it somewhere first
  18. Sorry just found it thanks
  19. Thanks for that where do I get the form. In answer to another thread I have sent LBA twice along with spread sheets.
  20. Hi I have sent the 2 letters before action can anyone advise me what is the next thing I have to do. I no I have done this before but that in 2007 any help will be greatly appreciated
  21. john10

    Credit Card

    Not quite sure what you mean if I have a faulty aggreement what would be the outcome if I went on to sue them. It is not that I am in debt with the card it is just I heard if it is faulty you can sue
  22. john10

    Credit Card

    Hi I have heard that you can have your credit card finished off i.e remaining debt paid off if it was taken out before 2007 and they find a fault with the forms that were signed. Has anyone else heard of this. Any help will be appreciated thanks maria
  23. john10

    Hsbc Charges

    Thanks for that help I will give it a try and keep the site posted
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