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About Aqualibrium

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  1. Yup. I like taking pictures that look accidental, I have no idea why. Glad you like it
  2. S.A.R - (Subject Access Request) & Sec.78 req received by Capital One on 17th August. Tick tock.
  3. I was roundabout the middle of my claim against Nationwide for charges and they hit me with 80.00 worth of charges one week that I seriously couldnt afford. It was leaving me short for paying my sons nursery fees. So I called the branch who said they dont have authorisation to refund charges and was given head offices number. The woman I spoke to went and talked to the manager and said that they agreed to CANCEL one of the charges, but for reasons I couldnt make sense of (I think thats what she was aiming for - confusion) they couldnt touch the rest of them. So what happened was, they ca
  4. So I have received a charge for payment from SAAS, which I knew was coming. The reason I was advised to do nothing, by my debt adviser was because we saw no other option that to head for bankruptcy. I am in Scotland, so I cannot file for sequestration myself, I have to be made so. Thing is, when we decided that I had arrears with my sons nursery which had to be paid because I cannot work if I dont have childcare. This has since been paid off and I really dont want to wait for bankruptcy anymore. My debt adviser was supposed to be sending me out a new income/expenditure sheet det
  5. So, on my last correspondence from Barclaycard, my balance was sitting somewhere just under the 3000.00 mark So hopefully if I win this, it will reduce my balance. This card cover about half of my total debt, so it'll be a big help if I can win back the charges. Bankruptcy seemed my only option before, but this should take a good chunk out of my debt if I win. Here's hoping!
  6. Oh aye, thought I should add... this claim is basically to try an reduce my debt as I have a balance on this card, I think its roundabout 350.00, but still worth it!
  7. Hi folks. 16th August 2007: Sent SAR off to Barclaycard recorded delivery, for my statements and also Sec.78 Req. along with 10.00 postal order and one for 1.00. Waiting game now...
  8. Okay, a wee update. 16th August: Sent SAR & Sec.78 Request to Barclaycard, along with postal order for 10.00 and one for 1.00, recorded delivery. I don't suppose anyone knows whether I should send a Sec.78 Req to Mercers also since my account seems to have been passed to them?
  9. Okay. S.A.R. and Sec.78 Request are written and will be sent recorded delivery to Barclaycard today. Address: Mr Adrian Whalley Head of Data Protection Barclaycard PLC 1234 Pavilion Drive Northampton NN4 7SG I have a quick question: As my account has been passed to Mercers, should I also send them a Sec.78 request?
  10. RE: The hardship rule. My Barclaycard account has already been passed to Mercers. I would say the iminent threats of legal action against me would perhaps result in hardship if the case is not taken on promptly? I'm sure I'm also not the only one.
  11. My experience differs, they took on my claim against Nationwide less than 4 weeks after my first final offer letter. I did receive another final offer letter during that time from Nationwide. I did though, send the prelim and LBA and gave the bank 5 weeks to settle before passing my complaint to the Ombudsman. 9 May: Prelim received by Nationwide 19 May: final offer/rejection letter received from Nationwide 25 May: LBA received by Nationwide 14 June: Called FOS, they said I was in a position to make a claim based on the fact I had received Nationwides final offer
  12. I was actually going to see if the Ombudsman would pick it up after I have sent my prelim and LBA. I happened to notice someone mention on here that they are still dealing with credit card claims. It will be a while until I am at that stage anyway going by how long it takes to get statements off them. Thanks Peter and Moneyhelp.
  13. Hi folks, Got a 'reply', well, more like an acknowledgement postcard! Postcard is marked "House of Commons", "Douglas Alexander MP acknowledges with thanks the receipt of your communication of the 07/08/2007 the contents of which have been noted." Oh well, not a reply as such, but at least they/he have it for consideration. Shame it doesn't shed any light on whether he believes in this ir is willing to support us. Who knows, I may get a response eventually.
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