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About gareth12

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  1. 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
  2. have you heard anything yet. what did you claim for. because i wasnt sure. if you read from the top. how much does it cost thanks
  3. oh sorry it was the lba. now if i dont hear nothing 2morrow. shall i send them another letter or just put a claim in. its strange i havnt heard nothing. thanks
  4. hi all, just an update, i sent the first letter to my local. got nothing, sent my second letter to the head office to one of the contacts on here 13days ago and still nothing. what do i do now. Thanks
  5. thanks for the answers. the car finance is with capital bank plc and my warrenty is with blackhorse. are they gd companys or will i have stress handing it back. thanks
  6. thanks, i did have a quick read. i couldt see weather it will affect my rating, my car never came with tax. could i take it off. before i gave it back thanks
  7. i think it will be better if i kept it for a few more months and hand the car back. its cost me loads and gonna cost me loads more. nearly £11000 for a £5600 car. why or why. lol
  8. hi all. i got a car about 15months ago for £5600 over 42 months on hp. i have been paying £170 a month since. i got insurances ect with the same company. and a warrenty with a different comany for £1000 paying £30 a month. i phone my hp comp up this afternoon ask how much for a settlement figure he says £5700 and i have paid £2700. i want a new car. so i have a few questions. i can get out by paying £3900 if i done that will it affect my credit rating? as i didnt have a good enough one to get a loan from my bank, would it have improved it once this agreement comes of my file? will i hav
  9. well thanks m8, that will put a smile on his face. could i just say you o me 5273 put as a good will guesture ill take 5000. lol thanks
  10. right. i added the total charges up it comes to £4403 for the last six years and the charges of £30 to £870 do i claim for both?
  11. thanks for your help i managed to get £700 from barclays. now my brother wants some to. i have all his statements in front of me. im a bit confused. i think he pays for an overdraft. he isnt with me so i dont no. there are charges every so often on the 31st for £12, £50, £27.50, £25 £54 £100 £70with dr total charges to a date and then there is dr charge £ 30 recall s/o-d/d a few times. which one can he claim for. or can he claim for both. we added both up and it comes to £5500. please help. want to get a letter posted today. thanks
  12. hi thanks for the reply, i have sent that letter as the ignored my 1st one asking for it back. i have types up a letter. would you guys hae a look and tell me if its ok. thanks I have now received your offer, fortunately i'm going to accept this as a part payment of the money which you have taken from me, therefore I will pursue the remaining amount in court. The amount I require is £640. I understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Sta
  13. hi thanks, i have looked around but cannot find the letter to refuse their offer, is there one? if not what should i write? thanks for your time and help Gareth
  14. hi all. i sent the letter before action and got a response today. im after about 700 and they offered £315. what step do i do now as this is stupid. i think them offering me some makes them part guilty anyway, please help me Gareth
  15. hi i sent my first letter to my bank where i do my banking. they never replied. what address do i send it too the 2nd letter that is. thanks
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