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thewifeandI

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Everything posted by thewifeandI

  1. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  2. If you filed for 8% s69 interest you shouldn't confirm tot he court that the claim is settled until you've had everything that you claimed, and that includes the daily rate from the date of claim to the date of final settlement. Well done for what you've acheived so far! Have you filled in the survey yet? See the very top of the page.
  3. Good work - keep it up and get the whole lot back!
  4. It's worth writing again asking them to refund the interest or justify it.
  5. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  6. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Just stick to the timetable you set out in your prelim letter - don't let them take control, it
  7. Well done! Sometimes for small amounts they will pay up quickly with the right appraoch. Have you filled in the survey (right at the top of the page)?
  8. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! You certainly can claim these unlawful excessive penalty charges back!
  9. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! There's good reason for having the insurance, but the costs can be prohibitive, especially for
  10. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! They can take anything up to 40 days by law, and sometimes longer. After a couple of weeks giv
  11. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  12. They are unlikely to as it is a seperate credit agreement.
  13. I would put the combined totals in the brief description, and list the totals for each account (listed under the account number) in the Values section of the form with a grand total. Print off both schedules and take them in with the form.
  14. If the accounts are in the same name there's no reason why you shouldn't file one claim for both, but Form N1 would be advisable rather than Moneyclaim, as there will be more information to enter in the Particulars of Claim. You can take in your schedule of charges for each account with the form as well.
  15. It all ends up at a HO department anyway, so it might be faster to cut out the middleman!
  16. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  17. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Have a good read of the Abbey forum and start a thread in there for all of your questions and y
  18. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  19. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Have a good read of the Barclays forum to see how others have dealt with them. Start your own
  20. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  21. Which letters have you sent so far? If it was the Data Protection Act letter you need to chase them up to remind them that they have until (letter date + 2 working days + 40 days) to provide the data. If it was the prelim letter you should have followed it up after 14 days as per the timetable set out in your prelim letter. Have a read of the Step by Step Instructions in the FAQ area.
  22. That doesn't look right - are you sure they've charged you a flat rate of £12.50 every month regardless of the balance on the account? That looks more like a service charge or insurance or something other than interest anyway.
  23. Yes - that looks good to me. It acts as a better counter to their claim that they are service charges. Whenever did you see not doing something as a service (not paying a DD)? And if they are services then they would have to ask your permission to carry them out before being able to charge for them, wouldn't they?
  24. I'll request that this thread is moved to the Halifax forum.
  25. I've asked for this thread to be moved to the DCA forum.
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