I have a secured loan with paragon which is 2 months in arrears. They keep sending me letters charged at £10 each and phone calls at £20 each. Can I reclaim these charges and if so what template do I use.

I have tried to post a scan of the letter I received from BC but can't seem to manage it. I've looked in FAQ's but I'm still clueless. Am I being really dim? How do I insert a scan? Also I don't think I've received a default notice!

I've now received a letter from a company called Debt Managers ltd. which states: "Barclaycard has informed us that you have not complied with the default notice recently sent to you. The balance ststed above is now due in full and Barclaycard demands that you pay this amount immediately. Statements will no longer be sent to you and interest will be charged on the oustanding balance at 1% per month. It is Barclaycards policy to pass information on to licensed Credit Reference Agencies when we send you a formal Demand and you donot repay the amount asked for. This may affect your ability to get credit from other lenders..." Should I send a copy of the account in dispute leter to them.

Have just received a letter from Barclaycard which is a mixture of responses to 2 seperate letters. One was a letter about harrassment by phone, the other a request for a copy of CCA. Barclaycard mention something about minimum payments and that my offer of £5.00 per month is unacceptable (I have never offered £5.00 per month) The letter also says: "Barclaycard's legal requirement under section 78 of the consumer credit act is to provide your with a copy of your executed agreement along with a statement of your account. This information was provided on the 24th Sept 2009 for both accounts. Therefore we have fulfilled our legal requirements under section 78 and will continue to pursue you for this debt until a suitable agreement has been reached." It then goes on to say I can complain to the financial ombudsman etc. etc. 1. All I have received is a copy of T&C's. No statement. What next?

Hi all. The template letters for reclaiming bank charges that I have seen all refer to default charges for exceding OD limits. Paragon have charged me for letters and telephone calls. Is there a template letter for these charges?

I've now received the T&C's from BC. with a covering letter stating that "a copy of your current Credit Agreement will be sent under separate cover" and that they have completed their obligation to me. No signed CCA.

Having been made redundant earlier in the year I have missed a couple of payments to my secured loan with paragon. They have made various charges for phone calls and writing letters totalling £120 in the last 4 months alone. They have added these to the loan. Do the same rules apply to this company as they do to banks? i.e. can I reclaim the charges?

This has made my day!!! Fantastic, well done.

12+2 is up and I have received nothing from BC/Mercers not even T&C's. I have sent the follow up letter. What do i do now?

I've now received a letter from Calder financial as well as phone calls. I need to send an account in dispute letter as 12+2 is up, but don't know if I should send to Mercers (where the CCA request was sent) or to Calders.

Thank you Cerberus and bazooka. I'll be taking both courses reccommended.

CCA request letters sent. I also sent a letter asking that all future communication be in writing and that I will not respond to any other form. i.e. telephone text etc. However I am still getting phone calls and threatening texts. The Mercers half wit who called me also claims that credit cards do not require a CCA! Clearly I will not get a copy of the origional CCA. So what is the next step?

Thanks. Will do. From the experience of most on this site I don't expect to get anything resembling the origional. But it's a start.

I'm new to this site so try to be patient if I seem a bit dim! I was made redundant a few months ago and contacted the Consumer Credit Counselling Service for debt management advice. They gave me template letters to send all of my unsecured creditors all of whom have accepted the terms offered except Barclaycard. I have 2 Barclaycards -one origionally was from Morgan Stanley -which have now passed to Mercers. After numerous phone calls I eventually received a letter from mercers accepting the repayment plan for one of my cards and a separate letter stating that they are taking further action on the other card. I phoned Mercers and was told that the first letter was a mistake and the plan is not acceptable for both accounts. The firm is a complete shambles. I am now thinking that I should see if the CCa's are unenforcable. Is there a standard letter I could send? Do I send it to Mercers, Barclaycard or both? I've been reading posts here for the last 3 hours but am still confused! Many thanks