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About Debtmountain

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  1. Thank you. I have looked into this further and, while that's the established court route, it does seem that you are correct. Adding on interest at the start of a complaint can also be a bit of a bargaining chip when looking at the FOS route. Banks might offer to settle without interest, as they know that the FOS might add on interest to successful claims in certain circumstances. If the FOS doesn't come good, then there is still always the option of court available, but I don't think I would chance it. A court couldn't rule on hardship anyway could it? Do you know if anyone
  2. Thank you. However, that information seems very much geared towards court, which almost certainly doesn't seem to be the route I will be heading down. I am still very unsure of the issues regarding interest and hardship claims. Do I add on interest to my claim? If I do, then at what percentage rate?
  3. Not at all and my son, who has also been on the forum, thinks highly of you. I first ran into very serious debt problems in 2003. I then remortgaged my half of the property (technically it was a joint remortgage with my wife), via Halifax bank, to clear some of my more pressing debts. The £55,000 20 years remortgage was actually finalised in October 2003, 3 months shy of my 70th birthday, and they insisted I have a new credit card as well. My wife was nearly 66 at the time. I guess it was an extreme example of the madness exhibited in the last few years before the crash. I still remember going
  4. Noted, so I will take it you think it's definitely worth a shot then. On the 6 year aspect, is there anything concrete that rules either way on hardship cases? In my head, I thought that the hardship case bank then FOS route wasn't relevant to any 6 year rule; as opposed to the non-hardship case bank then court route. However, no surprise if i'm mistaken like I was with the credit card interest refund angle regarding Section 77A. At the least, it can't do any harm including the charges that are more than 6 years old can it? Can I include any lost interest on my claim as well? Much appreciated
  5. Indeed, other ways of helping that don't involve them refunding any money that they have stolen from you. They would likely rather run a proverbial marathon if it meant them hanging on to a tenner. Filling out an Income And Expenditure form will no doubt soon see you right though. Good luck.
  6. Ah, I just checked and I was mistaken. I was thinking of Section 77A subsection 6, which only applies to a creditor not providing regular statements when they should; not to creditors failing to fulfil a CCA request. Never mind. (6)Where this subsection applies in relation to a failure to give a statement under this section to the debtor— (a)the creditor shall not be entitled to enforce the agreement during the period of non-compliance; (b)the debtor shall have no liability to pay any sum of interest to the extent calculated by reference to the period of non-compliance or to any part
  7. No. Nothing major, but I will look into it. There is one thing. I did a CCA request a few years ago and one card company didn't reply for over a year and kept adding on interest. I have an idea that they should have legally stopped adding on interest, after a fixed time period, if they didn't satisfy the CCA reqeust. I have retained all the correspondence. Can I still claim back that interest? British Gas is my supplier. I am not greatly behind, but I am feeling the pinch a bit given the current prices. Thank you kindly. From recent experience I hav
  8. I guess I should just make the claim, if I go ahead, and see if they make an argument about any charges older than 6 years. From memory, I may have made a complaint a few years ago, not based on hardship, which got stayed and then refused. Many of the charges I am looking to recoup did get levied after then though. They were all for bounced direct debits and standing orders. I had a basic cash account, which didn't allow an overdraft under any circumstances, so they couldn't even attempt to argue (invariably lies regardless as we all know) any manual intervention.
  9. I am 80 years old with mortgage arrears, council tax arrears and a maxed out credit card. Plus, I am behind with my gas and electricity payments. If I don't qualify for hardship, then I don't know who does. Is it worth the time and effort making a hardship application with Lloyds Bank? If it is worth it, then can I claim back to 2006 or only 6 years? Is there a good template letter available? worth a go, then I want to get cracking. I think they have robbed me of £600 or so all told, solely through charges on unpaid direct debits and standing orders, so
  10. Safe as houses... on the San Andreas fault.
  11. I certainly wouldn't be claiming that with any certainty.
  12. Thank you for replying citizenB. I was busy for a few days and after the hot weather set in, which I am now fed up with, decided I best enjoy it while it lasted and didn't want to be thinking about the dastardly company known as Paypal. My account, and all other accounts held by family members, are all in perfect order now. I hope that it's clear I did put a lot of effort in to my correspondence with Paypal and am only still pursuing this issue with justice in mind. I don't stand to gain anything financially by pursuing this. However, I really want to follow this through to the end. I
  13. Ok, those are all the relevant posts I made on the other forum. I am determined to see this through to the end, with court if necessary, so can someone please help me. How can they possibly blank me, after getting DCA's to hound me for years on end, when I am only asking them whether 'Pay' meant Paypal, the name of the credit card company involved and some sort of evidence that they paid this credit card company any money? They literally are blanking me and it totally stinks. I need to access this information one way or the other.
  14. Well, I hope people don't think I got too shirty, but it gets a bit tedious dealing with these people after a while. They are like politicians who can't answer a straight question. First and foremost, I don't think that they like hearing about the Limitation Act, so if anyone has a Paypal 'alleged debt' they haven't acknowledged or paid anything towards in the past 6 years, then don't forget that Paypal are subject to the Limitation Act just like everyone else is. They are not exempt, though i'm sure they like to think that they are. If you approach them in the manner I did, then
  15. Hello. I got chargebacked by a fraudster years ago despite having an international recorded delivery receipt, as the item couldn't be tracked online. Royal Mail told me on the phone that the item had been delivered and I could have got something from them in writing confirming that fact, but you weren't interested and put my account in negative balance because of it. Naturally, I wasn't going to pay off a fraudster, who wou
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