someone please let me know what router account is can only find references to wireless internet on google

thanks Baby bear

do you know of a template letter I do want to make next months minimum can ask for this to be deducted from any F & F that they may accept as do not want a default

sorry should have said have not defaulted yet, trying to leep up min payments to prevent this, but this is very difficult cannot live on beans forever a SAR will take too long I have most of my statements anyway

Hi I have cca my OC They have only come up with an application form Sent a letter giving 14 days further to come up with a enorcable agreement, Had no response How do i calculate what to offer My bal stands at 7,800 i Calculate interest to be around 5000 a few charges amounting to about £200 can i work out all my charges and interest and then add on the 8% for each year and deduct this thank you

thanks i thought so too but not getting much of a response

I have been looking at the above named Oc and have come to the conclusion that all the application forms have basically the same contents but the layout is slightly different. I believe mine is a cut and paste job. As it is difficult to compare ie going onto different threads and because dates are not always available to compare forms of the same time, i wondered if we could just post our application forms in a different department, say rbs and so they are easy to find head either Tesco RBS or MINT and the month and year. I would also be helpful to state if moisten and fold type of addressed mailer . ie Tesco 01/01 add mailer app This way it will be easier to find one of a comparable date and to see if peter purvis has a format to follow or changes the layout as he pleases

watching with interest, best of luck with yours

Hi Roko I have the same app sent to me have you noticed near to the signiture box it states by signing this application you agree to the general conditions set out separately and the details overleaf Now we know that the prescribed terms need to be on a single sheet but what are the details overleaf? If these turn out to be prescribed terms then we are stuffed

did you send a sar if so when are the 40 days up

anyone

Hi iwrote to tpf to request a more legible copy, i gave them a time limit to reply. I have not had a response. My problem is that my OH does not know about this debt he would go ape. if i send the indispute letter i will then start to get calls which means he will then find out. i am paying the min payment and have not defaulted but cannot keep it up much longer. Should i send a letter pointing out what is wrong with the stuff they sent and asking for clarification regarding wheather they do have more than my app form. i would like to make a full and final offer, so dont want to go though months of correspondance would welcome your opinions

its true its not an offence but it makes no difference to you they must remove the default write and tell them so

i have not started a tread yet but will PM you so that you can look me up. 12 days isnt up until nest thursday, very much doubt will have anything by then.

Hi am following your thread wilth interest, I have requested my cca from1983 so 26 years ago. will be very surprised if they have this one

because not many people will see it in the mbna thread people should be aware lots of people who are finding it difficult to pay may only pay a minimum payment yes we know it takes longer to pay off But we diidnt know our balances could actually increase some months

I was paying about 5 times my minimun payment by dd, last november i got a letter saying that they could no longer take a fixed amount. they could only take the minimum payment ie interest +£5 ( back to this later) or the full balance yeh right i owe £3000. They said i could set up another dd but could not do it over the phone, so i would have to go to my bank. Of course havent got round to this yet and also thought hey that saves me £200 quid = per month ill do it soon. Back to Minimum payments This month although not spent a penny on my card and havent for well over a year, My balance had actually increased. Checked back a few statements and this has happened 2 out of 4 months. I telephoned them. 25 mins on phone. Apparently its due to some months being longer than others( yes feb is 28 days i know but the majority of months are 30 ish) apparently lasst month was 34 days so my interest for that month was £10 higher than the previous month so the £5 i though i pay each month to reduce the balance doesnt do much. Last month was 34 days previous month 28 days before that they were 34 days and 28 days can you believe dec to jan was only 28 days long. I know that the banking code states that a credit card must take more than the interest charged each month which tyey are actually doing but i really think they are manipulating the months ( amount of days) Yeh i know you should pay more than the minimum balance but i do feel they have done everything to make it difficult to do this. i am so bloody mad

hey Its not just the interest rates check out the way they calculate MONTHLY interest. I was paying about 5 times my minimun payment by dd, last november i got a letter saying that they could no longer take a fixed amount. they could only take the minimum payment ie interest +£5 ( back to this later) or the full balance yeh right i owe £3000. They said i could set up another dd but could not do it over the phone, so i would have to go to my bank. Of course havent got round to this yet and also thought hey that saves me £200 quid = per month ill do it soon. Back to Minimum payments This month although not spent a penny on my card and havent for well over a year, My balance had actually increased. Checked back a few statements and this has happened 2 out of 4 months. I telephoned them. 25 mins on phone. Apparently its due to some months being longer than others( yes feb is 28 days i know but the majority of months are 30 ish) apparently lasst month was 34 days so my interest for that month was £10 higher than the previous month so the £5 i though i pay each month to reduce the balance doesnt do much. Last month was 34 days previous month 28 days before that they were 34 days and 28 days can you believe dec to jan was only 28 days long. I know that the banking code states that a credit card must take more than the interest charged each month which tyey are actually doing but i really think they are manipulating the months ( amount of days Yeh i know you should pay more than the minimum balance but i do feel they have done everything to make it difficult to do this. i am so bloody mad

Hi Just to let everyone know that Virgin are now taking only the interest + £5 as the minimum payment My last 2 statements have shown an increase in the balance. Telephoned them was told as January was a long month and interest is paid for the previous month then this is why the balance has increased Incidentally I used to pay 6x the amount as a payment every month. Virgin wrote to me to say they could no longer take a fixed amount for a so i could pay the whole balance or the minimum payment. I telephoned them to say i wanted to keep my payment the same but they would not allow this They said i could go to my bank and set up another so to pay extra Of course not got around to it, so in the last 4 months have paid £250 to have a balance £5 higher than i started with dirty tactics by virgin to extract more money going to bank today

hi when was your card taken out have you got a cca

hi thanks i will watch with interest

Hi This is exactly the same as mine when did you take it out mine was jan 2002 what have you done about it up to now good luck

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hi Ghost debt Have you heard from tesco recently

Hi how are you going with yours have you had a response yet re I DO NOT ACKNOWLEDGE ANY DEBt letter please keep me informed thanks