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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  7. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  8. Kapital did this with me , removed the account from the CRA's and then a few weeks later sneaked it back on again.
  9. So far they have been unable to provide me with an Agreement or anything else for that matter. I have asked them on more than one occasion to confirm who owns the debt as I need to establish who I should direct my claim to for refund of charges as the entire debt is made up of charges. To date they have chosen to ignore the 5 letters I have written and I now have a letter saying that they are taking legal action against me but they will first carry out a credit search on me so they can determine the best course of legal action to take. They have made it clear that they wish to establish
  10. Can a DCA or the solicitor of a DCA carry out a credit search with the CRA's without my permission. I have a DCA's solicitor saying that they are going to carry out a search on me. I am trying to build my credit score up at the moment so the last thing I need are searches carried out that I have no wish to be on my file.
  11. Thanks for the spreadsheet Fred Funk, just the job.
  12. Thanks Fred Funk, I have PM'd you with my email.
  13. Pleased i'm not the only one that does not know how to work it out correctly, I feel a little better now
  14. Letter gone off to Natwest for refund of PPI charges on credit card, just have to wait now and see what happens. Is there a calculator anywhere where I can work out what is due. I have asked for the monthly payments, the interest that would have been charged on those payments and as the money is rightly mine interest for the duration that they have held this money. If they agree then from what I can tell they will make an offer or 2 first, but not knowing what the real figure is it's difficult to gauge any offers they make. The monthly payments I can work out that's the easy bi
  15. I have an old Natwest Credit Card account dating back from 2000 to 2003. I realise that any late payment charges will now be Statue Barred as they have exceeded the 6 year limit, which is a pity. It was not that long ago that the PPI insurance mis-selling came to the publics attention, and it is only recently after looking I have come to realise that the monthly Credit Card Repayment Protector payments I made were wasted as the policy would never have paid out as I was self employed. Is it to late for me to try and claim these back from Natwest due to the mis selling of these
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