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hippo11

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About hippo11

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  1. Yes I have all my statments. - How do I apply to the FOS? sorry feeling really out of my depth here. I agreed the PPI settlement and requested they paid it by way of cheque but they ignored this and have refunded my account can they do this? thanks for all your help x
  2. Nov 2007, heard from them with my PPI claim they will refund but I requested it in cheque form but they have refunded it to my account can i do anything about that?
  3. Thanks, I keep sending them reminders that I have not yet received the signed agreement from them but still nothing. Got a letter re the PPI stating they were looking into it and my complaint would be passed to Bcard, its the same letter I got from them 3 months ago. So going to start pulling hair out soon with them. Tried to call them but get no where told will send copy of signed agreement out by 1st class post but it never comes. Would love to wait till it became statute barred but that is 6 years! Only took agreement out in 2007.
  4. Ah thank you, thought as they are all technically the same group it might affect each other. I will proceed then and let you know thanks again xxx
  5. Hi Yes I send a formal CCA request this was back in Feb, there is PPI on it and I have requsted that back but again heard nothing, and they continue to add default charges onto my account. Any suggestions?
  6. I currently lodge with a friend and pay half of everything. The hardship was caused by a break up with my ex and all debts were left to me. I have provided Abbey with all evidence of outgoings and they know what my wage is and have provided evidence of this also. I changes account becuase if I had had my wage paid into the Abbey account beacuse they have reduced my overdraft by over £1000 the money would have just gone for that and I would have had nothing left that month. I didnt want to risk that so opened a differnet account with a non linked bank and have my wage paid into that. I am
  7. I have written to Bcard stating the account is unenforceable and for them to confirm this. They originally gave their usual TOB and stated it was even though they do not have or have failed to produce my signature on anything. So I wrote back stating that could not omit my signature and they clearly did not have it on the original document and thus the agreement is unenforceable. This was 2 months ago and I have heard nothing since. They have stopped writing to me and so have Mercers, but I keep getting my monthly statement demanding payment (as I have stopped paying them). Can anyone
  8. I wrote to abbey requesting that they repay the unfair bank charges they have imposed on my account and stating that i was in financial hardship. I completed all the forms they send to me, providing evidence that I can only just make ends meet and that some of my debt I cannot afford to pay. The amount owed for unauthorised bank charges is £1600. Which ironically is the amount of my overdraft. I have since moved to another account 9not with Abbey or any linked ppl) and have my wage paid into that account, and pay my bills out of that also. As Abbey have also deceided to reduce my overdraft
  9. No not yet, he was unsure as he has a mortgage with them. I spoke to him and the Abbey card I though was a credit card is actually a debit so that clear's that matter up. All his other credit cards with Abbey are MBNA cards and he holds 3.
  10. I went to see Natwest back in March 2008 for a loam ,whcih they refused but gave me a graduate account and an overdraft facility of £2000. At first I took money out and paid into it regular. However when I separated from my partner I need to the money to pay some bills and have not ever had the money to put back. They wrote to my stating I was in breach and so I wrote back explaining the sisitutauon an offerring to pay £10 a month into the account. They never wrote back but I have kept to what I said. As it will take me a lifetime for me to repay this money, I wondered if anyone had any
  11. Sorry for delay, lots on. Thanks for advice I can see that when it comes to Abbey and my parents cards I lack the knowledge to do this successfully. Think I will just avoid their accounts with Abbey and try the others. Thanks again - appreciate it . x
  12. I wrote to abbey requesting that they repay the unfair bank charges they have imposed on my account and stating that i was in financial hardship. I completed all the forms they send to me, providing evidence that I can only just make ends meet and that some of my debt I cannot afford to pay. The amount owed for unauthorised bank charges is £1600. Which ironically is the amount of my overdraft. I have since moved to another account 9not with Abbey or any linked ppl) and have my wage paid into that account, and pay my bills out of that also. As Abbey have also deceided to reduce my overdraft
  13. Abbey but he also has one issued by MBNA
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