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Everything posted by davidoneman

  1. Will she get all her money back , and is it 14 days from the date on the papaer work with that date been day 1 , also is there some law she can quote , she spoke to them but they said all she can do is pick another car from them ?
  2. Hi my mother-inlaw went out to the garage looking at cars and decided to buy one , a used car from a dealership and she paid in full ( dont know why ) , she is supposed to pick up the car next week but has changed her mind she now doesnt want the car . Is there anything she can do to cancel the order and get her money back ? Many thanks davd
  3. Is it 6 years since the charges or when the account closed ?
  4. do i just ask for the charges back plus compound interest & 19.9% , is there a template letter to use or just put a simple letter together saying i believe they are unfair ?
  5. Hi ive got a old a & l credit card ( mbna ) the account got sold to hillsdens and eventually settled the debt at a reduced rate but was final , now im looking at the charges to get back if possible as if successful it wont be deducted from the account as its been settled . the charges are made up of £12 over limit and £12 late payments , ive used the spreadsheet and the charges are £204 but with interest at 19.99 percent the interest is £906.15 , so total £1110.15 , do they refund these charges as they are £12 if so whats best way at reclaiming . many thanks for any help
  6. Hi with the barclaycard the balance was around £7000 so if I did it before it would just take it off the account balance like it would now so theres no point , with the mbna one now that it was sold to hillsdens and now settled the money cant be taken off the account balance as its been settled . with this theres £204 of charges and £906.15 of charges with interest at 19.99 % total £1110.15 .
  7. Hi if thats the case theres no point the amount would be no where near the amount on the account , another one I have though was sold from mbna to hillsdens which i paid hillsdens and settled the account in that case would i be best sending it to mbna as the account has been settled , what interest do you add to the fees or do they add the interest , cheers
  8. Hi I had a barclaycard over 7 years ago , at the time I got into some financial trouble and got some late fees of £20 and some £12 adding upto around £230 . They didnt have a signature and at the time told on here it would be unenforceable stopped making payments that was around 7 years ago . Would I be able to claim these charges back now or would it open the account back up , also what interest would i charge if I could claim , I also have a couple of other accounts the same situation just different amounts, cheers
  9. i will start a new thread for the other one , and it was sold to cl finance .
  10. i have another account with robinson , it was for a old a&l loan and they have a signed agreement as well
  11. hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble . http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180
  12. Hi i sent the cca to the oc years ago and posted it on here , i had 5 £12 fees on the account . Thats why i paid the £1 a month , i havnt claimed the £60 .
  13. hi ive got a couple of old debts with robinson way , one a old credit card and a old loan , i sent off cca's years ago and they both had a signed agreement , ive been paying £1 a month for the last 4 years or so , today i got a letter from robinson way saying they are prepaired to accept a lower payment the debt is £3200 they are wanting £700 . I am thinking of sending them a letter offering £200 but was wodering if there is a template to use for making full and final offer .
  14. so just tell them because of the delay i wish to cancel and want a full refund under section 75 , if they say i cant cancel or wont refund money just contact my credit card company ? many thanks for help
  15. hi it was a sofa in fake leather what also comes in real leather which we ordered , they havnt been in touch with us yet so i was just trying to get my rights before i spoke to them so i know where i stand , cheers
  16. Hi i bought a sofa from harveys on the 6th jan and was told delivery 11 weeks , its now 2 weeks over can i cancel and get a full refund ? I paid a £225 deposit with credit card . Many thanks
  17. Well its says our client lowell , brand / product lloyds
  18. Hi i had a bank account with a £250 overdraft , i cancelled a standing order but the bank paid it which sent me over the limit the the following month i got £39 charges which took me over the limit again ( after they paid the standing order i contacted them and they said i didnt give enough time to cancel the payment i did it online . so after they made the payment i stopped using the account as i was mad with the charges as they shouldnt have let the payment out . Anyway this was in 2008 i have had different letters from different companys i sent letters to lloyds requesting unfair charges back but was fobbed off so when i got a letter from these debt agencys i sent them a request for a signed credit agreement then they would close account and then months later different company same again . So today i have received a letter from bryan carter solicitors about county court proceedings the balance is £374.72 , with charges being just over £300 so most of the balance is made up of charges on the account , from one of the companys they said lloyds do not supply agreements with these type of accounts and were unable to supply a copy of the overdraft facility letter i requested . the last payment out of the account the 24th nov 2008 everything after was charges ( how does the 6 years status barred work ? ) as its nearly 6 years to the last time something come out of the account 14th nov 2008 was the last time something paid in . sorry for the long post many thanks for any help .
  19. Hi well redstone sent me a letter saying all the charges were in the terms and conditions so they are not refunding so just looking at next step which by the looks small claims court best but have to look into it
  20. HI , I have finally received a response from redstone , they say they believe the fees are in line with their terms and conditions and are a fair representation of the additional work carried out , they are not refunding anything and this is their final response , ive been looking and have seen a few cases where the fos say its in the terms so dont award againts the fees , ive looked at small claims court for me i think the fee for court would be £70 , if i take them to court and loose would i have to pay any more fees other than the £70 , like do i have to pay there costs ? many thanks for all help
  21. Hi its been a variable rate so from the first fee say oct 2008 it was 5.85 percent then since then its gone up and down every 3 months
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