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  1. Hi there, I paid off all my debts a few years ago before moving home. However, I forgot to inform Debenhams that I was moving but didn't use the card anymore anyway. I moved to a different county for university and have recently received a letter from a debt collector saying I owe nearly £200 through debenhams!! I know for a fact that I do not so called them and told them so. They said that they had already secured a CCJ in my absence with letters to an old address and that I would have to tell the court that I believe that I do not owe anything. However, I do not know where to start with which court to tell or what the £200 is actually for? I have not used my card since I paid it off a few years back. Please could someone advise me on what to do as i do not want to pay for something I don't owe and am saving to buy a house for after my partner and I have finished uni and do not want a CCJ to affect our chances of getting a mortgage. karen
  2. Hi, they sent exactly the same to me and I filled in the form which proved that i did not have enough coming in to cover what was going out and they sent me a letter giving me a little under what I asked for. This does not mean that they will do the same with you but its promising. K
  3. HI there, I agree with Tuttsi. I sent a prelim to halifax and they sent the 'on hold' letter but with a income/outcome statement for me to fill in to prove that I am in financial difficulty. I did this and they have offered me about 95%of my claim without having to send the LBA or start cout action! They have suggested that I putthe money onto my overdraft which was my intent so am not gonna argue that. One point that does annoy me with banks (among, but more so than others) is that they are allowed a stay yet do not put a hold on charges!! So its one rule for them and another for us! Even more unfair as they not only have the upper hand but also they are the multibillion corporations that in fairness could survive without the money. Unlike us.
  4. Hello SSL, I have just been reading your thread on Halifax. I have just received an offer with them! Quite exciting!
  5. Hi there, I just got offered a couple of quid short of the full amount as i was experiencing hardship! I only had to send the prelim too! How cool, i didn't have to apply at court so am really happy!! Congratulations on the baby and win!
  6. Was completley shocked today when I received a letter from Halifax offering £542 although they do not admit liability! This was esp amazing as I was only at stage 1!! By this I mean I had only sent a prelim letter and replied to their income/outcome statement to prove financial difficulties!! I skipped SAR stage as I already had all the information to hand. I had applied for £600 but realised after sending the letter that one of the charges had previously been removed so am happy with the result and am accepting their offer. They also stated in the letter that in accepting the offer I would not be disadvantaged if the high court ruled against the banks as my claim had been filed. This is great news as I was not expecting this money and it helps towards the overdraft I have had to go into again after a car accident 2 weeks ok that I was only covered for in 3rd party and being on benefits had to struggle to get a replacement car. Many thanks for the help and I feel a bit more confident in going after the other monies owed to me!
  7. I sent another email regarding this matter (I know its not the normal protocol but am saving letters on this one for post-statemtnts arriving) explaining my annoyance at their slow and confused state and clearly stating what information I requested. Received a reply explaining that individual statments would be charged at £4.50 each and would I be ok in this. This infuriatated me more so I sent another email reminding them of the £10 cheque, what I had actually requested and that there time was up yet I was still giving them time! It may have come accross as rather snotty, lol. Then on the same day I rceived all the information so felt a little quilty, lol. Have now gone through them and found that I am owed around £150. Will start letter writing in the next few days.
  8. Still not heard anything from Halifax. Tho I should mention that I included the following letter with the filled on form, found in the bank template letters. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/154154-hardship-stayed-claims.html
  9. Hiya, sorry to hear about your prediciment. I do not know anything about the court process as aren't that far yet but all myh letters have gone to, and been answered by, GE Money PO Box 700 Leeds LS99 2BD Hope this helps. I do not understand what they are saying about non-breach of data protection (or whatever) as I thought they had to either povide you with the information they hold OR show a proof of destruction certificate. I think this is explained better on one of the templates for the non-compliance of S.A.R - (Subject Access Request) letters. Karen
  10. How old are the charges? How have you worked out the interest? I am currently at the LBA stage (well about to send it). I combined 3 GE accounts with acombined total of £318 then interest at around £60. After the prelim they offered and sent £13 across 2 accounts (the difference between their charges and £12). I sent the thanks but going for rest letter and they said they were giving no more so am writing up the LBA. Good luck with your claim. Karen
  11. Does anyone know whether they will defend in court or what they will say to the LBA? Karen
  12. Ok, a SAR, phone call and email later and they have sent me.....a letter listing the charges on the account since aug 07! Again! This time with a breakdown of charges which I was already aware of (from statements available of the internet) and not going back for the requested period that the account was open. Am so annoyed with them but guess I shall contact them again and tell tham AGAIN that I want the information from when the account was opened or the last 6 years, whichever is longest. Has anyone else had this problem? Karen
  13. Thats not good, I'm worrying that Lx direct won't have all mine. Not sure what ya can do in that case, i'm sure maroon devo and bookworm will have an idea. Karen
  14. Using the years worth of statements on their site I worked out that there were £49 in charges since Aug 2007, tho the account was only in use for 4 months during this period so thats alot! But, the account was open and incuring charges for years prior to this. Before I went to the lakes I sent them an email telling them of their error and when I returned they have sentme an email saying they are onto it and a letter to say they are collating the information. Now, just to watch the post.
  15. Hello, have returned from the Lakes and found a letter from GE money saying they are sorry that I am unhappy with the refund they offered (£13, an extra £5 was already mine as I was in credit so they claim £18 ). Again they refuse extra money and state "full and final settlement and no further adjustments will be made." So I'll be sending off the LBA as soon as.
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