Have read and I kinda understand it, I rang the bank earlier and they said I have to ring the collections department in the morning ( not much chance of sleeping tonight) would I be better of going into the branch instead?

Thank you I will read now

I had an overdraft of 100 pounds with natwest and I was charged an unauthorised usage fee as it had gone over 100, the reason it had gone over as they put a charge on, I asked in branch and they said to ignore it, it has new escalated to over 500 due to fees etc as I have never used it, they have now take money from my other account and closed it, I have no money and direct debits due to go out and money due to be paid in? What can I do please help I'm panicking

Started march 2006 default removed sept 2009. Took so long as I have been chasing them for an apology and an explanation to why this happened, did have one phone call offering me a goodwill gesture of £25 but would take 3 months to receive, waited and never received, only got a response when I sent letter before action. I only wanted an apology and wasn't gona give up till I got one.

Hi started in 2006 default removed in 2009 and have spent the last year trying to get an apology and response to this. Have explained list and I know I have to tweak a few things but is sets out what I'm trying to say. Damage to reputation caused by default on credit file which at the time this came to my attention when my daughter was diagnosed with a disability and had to have separate washing machine, special bed, flooring and clothing and I was unable to provide these things. At the time I worked for a finance company where as part of procedure they carried out random checks on employees, with fear of them finding this default I approached my manager and told him about it which caused me great embarrassment and the fear of having a mark against my name. This affected an otherwise 100% clean report. Distress and inconvience was caused in the delay of b.gas handling this complaint led me to thinking that at any time because they thought I owed money a debt collector would turn up at the door or taken to court, this led to my anxiety levels going through the roof causing a anxiety and depressive condition I already had to worsen, this caused great disruption in family life and sleepless nights. Dissapointment in the fact that every time I contacted b.gas I was told not to worry it would be sorted and that I didn't owe any money. This led me to take steps to resolve this matter myself as I was getting no response from b.gas despite phone calls, letters and emails. Expenses as previously stated, I have all letters from day one and names and transcripts of phone calls,

Bank fodder, have come up with a basic list that I have to edit and refine but I am showing you basically what I want to put. Distress and inconvenience: Embarrassment caused Anxiety over long period of time Dissappointment and loss of expectation Time and effort spent causing myself to take additional and unnecessary steps Threatening letters received Damage to reputation: Default on credit file through no fault of mine Unable to gain credit for 3 years plus Third parties misinformed of myself Huge impact caused to clean credit file Expenses: Phone calls Postage Fees paid to experian to monitor removal of default again 3 years plus Time spent I'm sure that there is improvements to be made and any help would be gratefully received, Many thanks again

Thank you bank fodder, she has said she will ring on fri aft and I will record the call. I understand the ball is in my court and they left till the last minute deadline after I sent letter before action. I will do some research in list this evening and let you know, I am prepared to fight all the way it's taken me 5 years to get to this stage so I'm in no rush! Many thanks for your help

Thanks bank fodder, did tell lady on phone wanted her to put conversation in writing which she agreed. Took notes whilst on phone. Just don't know how to value the list fit compensation do I just come up with any amount of us it individually worked out? That's what I'm stuck on

Long story short, b.gas put a default on my credit file and took them two years to remove it threatening letters for money owed when none of it was my fault. Threatened to take them to court and they have admitted they were at fault. They do not want to go to court and have asked me to list reasons and amounts for compensation by end of week. How do I do this and how do I calculate it?? Was going for stress, inconvenience and damage to reputation and expenses. Please help don't want them to get away with it and to show that you can take on a big company. Thanks

They can't ask you about outstanding debts as it's a data protection issue, agents work on a commission basis so if you don't pay them, they don't get payed. You have only committed fraud if you filled out different details to who you are. They can't do anything. Ex provi manager

There is nothing they can do. The agent will hassle you because they are self employed and get paid a percentage of your repayments. As long as you keep them informed and pay somthing they can't do anything. From ex manager

Quite simply went on holiday in august ordered currency on Internet, went to travel agents to collect paid for on debit card roughly 300 pounds in euros and when asked for Id turned out my driving licence had expired. Lady didn't know what to do and was about to refund in cash but was told not to by collegue. I asked if it would go straight back on card if refunded as I would go somwhere else or should I go and get my passport, was told no it would go back straight away so i gave her my card for refund. Went to bank to check was told it would take 3 working days ( happened sat, bank hol Monday I fly out mon nite) so nothing til wed. Lots of going between bank and travel agents to which the travel agent was getting rude and claiming it wasn't her job to know these things is refund procedure, any how no spending money, managed to borrow fifty pounds to take but completely ruined my holiday and then when I get home to check for the refund they had charged me five pounds fir the priviledge. I am disgusted and want to take this further. Please help

just sit tight for now. if they do go belly up its likely that all thier accounts will be sold on to another company, this could take ages and they have to verify you first. just wait for a letter, unless you fancy winding them up and just ring them all the time, that seems to be what they do with everyone else!!!

dont even get into a conversation with them i know its hard. see if you can tape the phone conversation or take the persons name and job title. they cant speak to you like that and if i ever spoke to anyone like that i would be pulled up on it. Just say to them that they are not allowed to call you at work and to put it in writing. they think that if they hassle you then you will just give in and pay them.

thanks for reply. i have been suspended for not doing my job properly that is it. i have raised grevience with management verbally but was told by several managers that i shouldnt be in the job as they didnt think i was as commited as the other members of staff without children. for example although i was contracted to work 35 hours a week i worked alot more than that esp in the evening which involved taking my daughter with me, when i finished one night at six to take her somewhere then i was told "this isnt going to work" by my manager. it is very difficult to raise concerns to upper management because its a bit like an old boys club and nothing would be done. I have been told that because i didnt ring in to say i was sick they have the right not to pay me, i presumed that if i was suspended then they would have known that i wouldnt be in. any help on this would be fantastic i am fed up of worrying and sleepless nights. thanx

I had a disp meeting a few wks ago but was unable to attend as i have been ill, have dcs notes to cover me just in case. i am currently suspended for not doing my job properly!. I have since found out that to stop a person getting themselves into trouble the blame was put on me.. To be honest they have been looking for a reason to get rid of me as they dont think i am commited to my job and my situation (single mother). I dont want to attend disp hearing as they could sack me and then i would have a black mark on my c.v, and to be honest i want to get them for all they have put me through. I am thinking of resigning and then going for constructive dismissal on the grounds of, breach of contract, bullying and lack of duty of care. I also have several things on this company that could cause them a few problems, could i use this for a financial settlement to keep quiet? sorry to be a bit vague but my job is a bit difficult to explain, do i have to tell them i am going to go for cont diss before i resign? do they have to give a reference, i really want revenge on this lot as i have had four years of stress!!! any help would be great if you understand what i have said:???:

They are not allowed to contact you at work and if you answer the phone when they call, under data protection they have to ask you security questions, probably your date of birth. Where i work we are not allowed to carry your employment or next of kin details on our computer system in case anyone was to hack into our system, again data protection.

Access letter sounds fine, but what are the chances of the emails that you say were sent suddenly vanishing. You should hear from them with regards to the hearing within two weeks, i would have thought that they know what they are going to do and are just following procedures. If it were me i wouldnt want a dismissal on my c.v. You have to think about what is best for you and gather as much information as you can, read your companies policies with regards to bullying etc, do you have friends at work that could help you? get some proper advice and anything that is said keep notes,

All depends on what type of company you work for, have you been told you have to face a disapilinary (apologise for spelling). Have you been given rules with regards to your suspension i.e not allowed to contact anyone within in the company. Have they given you a time period for suspension. Abusive behaviour can be an instant dismissal, but suspension is a way of the company getting as much information about you that they can use against you! If you feel that there is grounds you could go for constuctive dismissal, this is where you feel that you have been made to resign, but you need to do your homework and look at contract with regards to bullying etc. This is a hard one to prove but if you have proof go for it..

hi you probably have sorted your problem but for anyone else, i work for a doorstep lender and you need to inform that it is a silent account i.e you dont want your husband to know. Also under data protection laws if they were to call at your house they cannot even mention the company they work for or the reason they are calling, they must leave a sealed letter if they are asked to leave a message at the door. They can threaten all they like on the phone or the door they are not even allowed to mention the word court! you can make arrangements with them to repay debt and dont be put of if they say thats not enough, they just want more.. if any one else has problems with these type of companies please get in touch..

a few years ago i received a letter from a debt collector saying i owed monet to british gas, i rang them and british gas and said how could i owe money when i am on a key meter? british gas claimed it was a mistake and said it was cleared. Now in 2009 i sign up to experian and find i have a default from british gas for the amount owed several years ago, i rand and emailed and was told it was cleared and then it wasnt, it wasnt until i threatened them with contacting a consumer tv programme that the default was removed two days later!. I have realised that in the past few years when i have applied for credit and was turned down this is why. i have no debts on my credit file and was wondering even though they have sorted this can i still do somthing about it. For the past few years they have blackened my file, I have still have original letters from them and debt collectors from few years ago. Any advice would be grateful.