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Posts posted by cf1958

  1. Not sure someone with more knowledge will get back to you, but I was under the impression that any benefit that is earnings related cannot be touched, so this should apply to tax credits as they depend on your income.

  2. Thank you so much for your replies, I will tell him to contact his Building Society to find out details.

    He is contact with his friend by text, his friend just said he will sort it, although he has no money to pay the debt.

    Will post any further updates once I have spoken to my friend.

  3. I am hoping someone can give some advice, a friend of mine bought a property jointly with his friend, it is currently up for sale (negative equity) his friend has moved to Spain they are not in arrears with the mortgage.


    My friend has recently received a letter from another bank, not who the mortgage is with, stating that they have applied to the County Court for an order imposing a charge on the property of over £10k for a loan what the other joint mortgagee owes.


    This has not been secured on the property and has nothing to do with my friend, he has tried to contact the Bank concerned to find out what it is all about and they refused to talk to him.


    Can a bank put a charge on a property that is jointly owned, if so would my friend be liable to half of the £10k, as it stands now when the house is sold there will be around £8k negative equity.


    Sorry for all questions this is an area that I know nothing about.

    Ant help would be most appreciated.

  4. Hi Jane


    Did you send 2 copies of your schedule of charges to the Court in Northampton when you filed on line, if not you need to do this, also send another copy to your Bank (even though you have sent them one before).


    This is what I did and I had no problems so must have done everything right, I am one of the lucky ones they settled with me 3 weeks ago, did not even have to do a Court bundle.


    Good luck

  5. I wondered if anyone could advise, my brother in law is in the proccess of reclaiming his bank charges caused purely through his account being changed to an Advantage Gold without his authorisation or knowledge.


    He had the account for several years and closed it last year when he lost trust in them through thier actions, his wages never went in and it was only used for the odd cheques that he got from little jobs.so there is no question that he would request this type of account.


    It was only when he watched the Whistleblower programme in March he realised he had been mis-sold this account, without his knowledge.

    He sent his LBA last week, but due to the test case he is not sure if to file at Court.

    My thoughts are that he would not have overdrawn if these AG fees had not been applied to the account, so it is the fault of the bank.


    Any ideas on the route to persue this matter would be greatly appreciated.

  6. Just an update, my son received his cheque on friday,they may have been prompted by the order the judge had made, it was ordered that by 10th August YB should provide a full breakdown of thier costs by a responsible employee, or thier defence would be struck out and the claimant could apply for judgement


    I have made a donation today, it is from my own money as my son needs every penny. I would like to urge everbody else to donate and ask yourself would you have had the confidence to take on your Bank without the support of this site, I know that I would not have, even though I have had no financial gain, It has give me great satisfaction to know that I have taken them on and won.(with the help from this site)


    So please please please donate to keep this excellent site going.

  7. I recently requested my statements from an account closed 2 years ago, I had to show ID it still took over the 40 days as is the case with YB.

    I trawled through them and was very disapionted to only find 1 charge of £25 back in 2003.

    I have requested it back anyway.probably take this through the FOS, with it being such a small amount.


    Good luck

  8. Does any one know if you can have a CCJ removed if the debt consisted of unfair charges, My son got a CCj against him in Sep 2004 for a Mothercare Card the debt was only £140 he is sure that charges on this account was well over this. currently awaiting a list of charges from GE Money.

  9. Beware my son has been told they have 40 working days to pay the money, they quoted from 7th June do not know how this date is relevent, filed at court 30-5-07 acknowledged 5-6-07 they should have received acceptance of offer on 9-7-07, his local branch said they have until 26-7-07 to pay.

    I don't think any of them have a clue what they are doing, good luck on yours you will win so take it as far as you have to.

  10. *****WON******

    Just got back from holiday to find a reply from Legal Department, it contained the 11 point defence and an offer of the full charges (no interest) and the Court Costs, My son has signed the agreement and posted it today.


    Could you move this post to success forum, thanks a million to every one who runs this site,i would not have done it without you. I will get him to make a donation when he gets his money.


    Brief run down filed on MCOL 31-05-07 offer of £200 received 7-06-07, rejected offer, full offer dated 29-06-07 for £527 plus Court Costs.

  11. Is it the same route as bank charges, as I have 2 seperate threads, once again for my family one against Yorkshire Bank filed MCOL on 30-5-07 and the other with Lloyds Tsb filed with MCOL tonight.

    So I ahve pretty good idea from all the information on this site, I just was not sure on how to get account numbers on closed credit cards.


    Thanks for help Russjo.

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