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THEREBEL

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About THEREBEL

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  1. This topic was closed on 10 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 10 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
  3. 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
  4. 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
  5. 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
  6. 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
  7. 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
  8. Jackie BG have done exactly the same to my daughter, raised a bill from Nov 06, or more precisely when she first moved into her new rented house without fully taking into account previous payments. Basically, when you look at the bill it's almost impossible to decipher how they have arrived at their cost. I suspect its been computer generated without human intervention to check that is correct. I will shortly be writing to BG and may send a copy to their chief exec as I am very annoyed at their continual incompetence. We have to date made several telephone calls to sort out her billing al
  9. Hi jonni2bad Thanks for your reply Yes I do see your point re bank charges versus interest etc. I suppose I would have to prove that the interest charged is excessive and is not clear within the terms and conditions provided. This was in the main my point, because if you look at the T&C's within a credit card agreement and then try and reconcile actual interest charged on your statement it is almost impossible to understand how they have arrived at their figures.ie, What is financial interest and what is punitive interest I suppose. I do think there is an element of both in
  10. Dear Moderators Any thoughts please on my comments?? Regards THEREBEL:???:
  11. Hi everyone, I am a nightbird, hence the late postings. On the issue of interest charges, I would like to clarify what is deemed as recoverable ie. Interest being classed as punitive, therefore claimable by me against interest that is classed as being within the terms of ones credit agreement and therefore payable, no case to pursue etc. In my case, Abbey charged me what I would consider to be an excessive interest charge ontop of a late payment fee. My payment was about 11 days late according to their statement yet I made the request to my bank within 9 days. My point is, Are A
  12. Hi everyone, I am a nightbird, hence the late postings. On the issue of interest charges, I would like to clarify what is deemed as recoverable ie. Interest being classed as punitive, therefore claimable by me against interest that is classed as being within the terms of ones credit agreement and therefore payable, no case to pursue etc. In my case, Abbey charged me what I would consider to be an excessive interest charge ontop of a late payment fee. My payment was about 11 days late according to their statement yet I made the request to my bank within 9 days. My point is, Are A
  13. Just got my 28 day, give us more time so that you may forget letter. No I am not going to wait as there is no legal requirement to do so. So I am going to craft my reply to the effect that unless I receive my cheque by the 14 day expiry date then I will file my claim on line etc with Claim Online. I note the point about interest and not to mention an amount till the claim somewhere on the site re Interest at 8% etc. I assume I should omit any reference to interest at this point. Is this correct???
  14. AlanfromDerby Many thanks for that. THEREBEL
  15. Hi Cornflake Statements were issued by Abbey with notes on statements that card was issued by MBNA etc. I have since closed the account but am determined to recover severe penalty charges etc. When I closed my account (which was normally managed online) my letter snail mail correspondence was with MBNA in Chester as that seems to be their accounts office. I also note on my statement that Abbey Credit card has a PO Box address in Bolton. As a first shot I have written to MBNA as they wrote to me to confirm account closure but as expected they have ignored my letter. I think
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