Hi, can you clarify this quote for me please? As far as I know husbands/partners are not liable for their spouses debt and are not legally obliged to offer payment towards them?

Congratulations! I've had some success with Halifax too - it's great isn't it

Another success from Halifax!!! £1100 returned from a missold mortgage repayment protection plan. Thanks CAG - another donation on the way.

I understand now! Thanks

What the hell does that mean?

I'd rather take advice from them than someone who has no grasp of English grammar and who feels the need to SHOUT his username. Your/ You're??? And Post Office is 2 words.

Indeed - I've lost count of how much I've spent on Recorded/Special Delivery I do enjoy composing a letter to the idiots though - I find it quite therapeutic

Let's see if Egg respond to this complaint - they've ignored my 12 letters Thanks loads for the info, CM

Thanks - will try that address. Have already sent a formal complaint which, guess what, they ignored

Having sent 6 letters to Egg since February I am still getting the " We still haven't heard from you about your arrears..." bobbins on a regular basis. They quite blatantly have, as I have proof of postage and delivery but I wondered if there was another address where I could contact them (not the Pride Park one). They are demanding that I phone them but I said I'd be happy to as soon as they forward me the relevant legislation (which I know doesn't exist) which requires me to discuss matters over the telephone....they ignored that letter too

I received confirmation today of refund from Halifax for mis-sold PPI on a secured loan - just over £1300! I'm absolutely delighted as times are hard for us at the moment and this money makes a lot of difference. Only took one letter and about 6 weeks - all thanks to this site. Will be making a donation as soon as the cheque clears! CM

Hi, just checking that I'm right in thinking that there is no law which states that you must communicate over the phone with creditors. I think that they're "allowed" to contact you between certain times & so many times a day - can anyone confirm where I can find these guidelines? I have kept a log of all calls (often 6 messages in 2 hours) but I'm most p****d off about the fact that I've had no response to any of my letters in over 3 months. I keep getting the standard "...you have not contacted us with any suitable proposals for repayment..." letter. And yet I have - and I've been paying my reduced payments for 3 months too. Anyway, I'm going to raise a formal complaint now and just wanted to check that I'm within my rights to correspond in writing only. Thanks in advance, CM.

I haven't used the card - it was cut up in Feb. There was a monthly subscription for a Sky channel coming off the card every month but I cancelled it in Feb. The company have continued to take the money though - so B'card think I have been knowingly using the card - but I haven't. It's long gone.

I like the sound of that! I now have another problem because after receiving my latest statement it would appear that a company has still been taking subscriptions from the card; the last one on the 30th March. This was cancelled in Feb but the company have a 30 day cancellation policy so have taken a final payment. So of course it looks like there has been recent activity on the card. Grrrrr However on my previous statement it said that the credit limit had been suspended and the card was overlimit - so WHY did they allow this payment to go through? As far as I am concerned the account was suspended and the payment shouldn't have been authorised. Simples. But obviously not for Barclaycard

Does anyone know how I complain about these fools? Their constant calls have got me at breaking point now I can only find a form on the OFT website for advisers to fill in - I know they don't respond to individual cases but is there any way to contact them myself? And who else can I complain to? I have put the account into dispute now and as far as I'm concerned they can whistle for their money THeY MUST PAY FOR THEIR EVIL DEEDS Mwa ha ha ha (evil laughter )