Hi there all Well here goes again someone new while mum was on phone tonight she recieved a mess say phone moorhouse agencys regarding your ltsb c/c before 9 i told her if they phone back say account in dispute dont phone again have i given her the right advice thanks lisa

Fine thanks, just having a laugh on these idiots expense was just going to post it on my thread and see what responce i get will keep you informed lisa

Hi there thanks for that is ahve not sent it as wanting to do a letter say something about the money they keep asking for cos we not paying it i will send it on sat. I have just added it up and i get it to 920 thanks again lisa

Hi there N.P Can you believe mum got exactely the same letter and a statement like you today I was like what I cant understand them lisa

Hi there all Well mum was on phone to my sister tonight and when she picked it up to phone me there was a message from someone called MOORHOUSE AGENCY saying they are working on behalf lloyds tsb to ring them before 9 tonight so it must be that same company lisa

Dont know what happened but it was supposed to be my spreadsheet for you to see if you approved but it went wrong

Bank charges for period:06/04/2001 to 03/03/2008 Account number: OVERDRAFT RELATED CHARGES AND ADJUSTMENTS DATE OF CHARGES DESCRIPTION OF CHARGES TOTAL *03/05/2001 Overdraft fees 27.5 *05/06/2001 Overdraft fees 27.5 *06/07/2001 Overdraft fees 27.5 *03/08/2001 Overdraft fees 27.5 *06/10/2001 Overdraft fees 27.5 *05/11/2001 Overdraft fees 27.5 *06/12/2001 Overdraft fees 27.5 *05/01/2002 Overdraft fees 27.5 *05/02/2002 Overdraft fees 27.5 *08/03/2002 Overdraft fees 27.5 *05/04/2002 Overdraft fees 27.5 *06/05/2002 Overdraft fees 27.5 *05/06/2002 Overdraft fees 27.5 *06/07/2002 Overdraft fees 27.5 *05/08/2002 Overdraft fees 27.5 *05/09/2002 Overdraft fees 27.5 *06/10/2002 Overdraft fees 27.5 *05/11/2002 Overdraft fees 27.5 *06/12/2002 Overdraft fees 27.5 *05/01/2003 Overdraft fees 27.5 *05/02/2007 Overdraft fees 25 *05/04/2007 Overdraft fees 50 *05/06/2007 Overdraft fees 50 *06/07/2007 Overdraft fees 75 *05/08/2007 Overdraft fees 25 *05/09/2007 Overdraft fees 25 *06/10/2007 Overdraft fees 25 *14/02/2002 Recall s/o-d/d 30 *14/03/2002 Recall s/o-d/d 30 *16/07/2007 Recall s/o-d/d 20 *25/07/2007 Recall s/o-d/d 10 TOTAL 920

Hi yes this is a credit card account. I can not believe after that letter which was recievd yesterday they phoned tonight at 18;10 mum gave them a right mouth full but they just put phone down

ok thanks

sorry will post the thread cheers lisa Credit Card Formal Complaint Letter Before Action Dear Sir/Madam, With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request. On 13-01-2008 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. You have failed to comply with request, and as such the account entered default on 29-01-2008. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. As you may not be aware, failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore, if this non-compliance continues for a further month then a summary, criminal offence is committed. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute The lack of a compliant credit agreement is a very clear dispute and as such the following applies. * May not demand any payment on the account, nor am I obliged to offer any payment to you. * May not add further interest or any charges to the account. * May not pass the account to a third party * May not register any information in respect of the account with any credit reference agency. * May not issue a default notice related to the account. Therefore this account has become unenforceable at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me by post with your intentions to resolve this matter, which is now a formal complaint. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets. I would appreciate your due diligence in this matter. I await your rapid response by post. Yours Faithfully

Im really sorry to bother you all but i hae been looking in my document and i have a letter with the heading credit card formal complaint was wondering if i can send it to hsbc bank along with letter in post 104 and harrasment by phone letter

regaring mums tsb account resived this letter today with regards to her complaint about phone calls i have not yet complained to them about not having a cca is there a complaints letter i can send thankyou lisa

well still have not heard from frredrickson after they sent the argos application form instead of the agreement. I did not send anything back as advice so still waitning

Do You Think I Should Send The Letter In Post 104 First So If I Have To Go To Fos They Can See I Have Offered To Make A Pound A Month Payment Because All Im Bothered About Is If Fos Say Dad Has To Pay How Will He If He Cant Afford To

ok thanks

ok thanks

Where It Says What Would You Like Done To Sort It Out Do You Just Put To Prove That They Have No Cca

HSBC Bank plc Harry Weston Road Binley Coventry CV3 2TQ 18-03-2008 Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: SORTCODE: My request I am writing to ask you to refund to me the charges which you have levied from my account over the last seven years. I now understand that the regime of fees that you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs? Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner, which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £825.00 plus £95.00, which you have charged me in overdraft interest for the sum, which you have taken. Total £920.00. I enclose a schedule of the charges, which I am claiming with this letter. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you dispute that I am entitled to a refund of these charges, I request that you forward within the above mentioned time scale, a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6©, and failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully,

HSBC Bank plc Harry Weston Road Binley Coventry CV3 2TQ 18-03-2008 Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: SORTCODE: My request I am writing to ask you to refund to me the charges which you have levied from my account over the last seven years. I now understand that the regime of fees that you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs? Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner, which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £825.00 plus £95.00, which you have charged me in overdraft interest for the sum, which you have taken. Total £920.00. I enclose a schedule of the charges, which I am claiming with this letter. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you dispute that I am entitled to a refund of these charges, I request that you forward within the above mentioned time scale, a copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions. These are requested under CPR Pre-Action Protocol 4.6©, and failure to provide them will be brought to the attention of the court, should it be necessary to commence a county court action. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, DOES THIS LETTER LOOK OK I HAVE PUT THE FIGURE IN BUT IT SAY WHICH YOU HAVE CHARGED INTEREST FOR I HOPE THIS IS RIGHT

Just been reading the step by step to bank charges. Is it right you send the premlim letter first if no reply or dont accept you send the lba letter anoher thing i can not seem to get onto the spreadshhet can i just use micrcosoft xl spreadsheet cheers lisa

Hi There this is the credit agreement and letter that lttlewoods direct sent to mum

Thanks so i need letter 2 which i have posted on the thread letter 3 and letter 6