Morg... you so WERE sleeping Nona Count me in for the 9th

HEY THOMPER WELL DONE MATE!!! XXXXXXX:D:D:D Next rounds on you hun Love Nona xx

Hi Boo, welcome to CAG. Firstly do not contact the DCA and do not acknowledge the debt to them. Meanwhile, if you post a thread on the debt and bailiff's forum, someone with experienc of dealing with this situation will help you. There are ways of dealing with DCA's, and it certainly looks like you have had penalty charges added on to this account. Don't worry, and good luck Nona

Hello Prulero, Welcome to CAG. The first thing you should do is thoroughly ead the FAQ section. Then send an SAR letter (template in the library) and request your statements for the past 6 years. While you are waiting for them to be delivered, take time to read arund he site, especially the forum of your own bank The procedure for reclaiming unlawful charges is pretty straightforward as long as you follow the step by step guide, and arm yorself with as much knowledge as you can. Good Luck Nona

Hi Rhino, Welcome to CAG. If you start a thread in the Yorkshire Bank forum and keep it updated you will get any help and support you need along the way. I take it you have read the FAQ's and step by step instructions? Good luck with your claim Nona

Hi Liz, Welcome to CAG. Please take time to read around the site, especially the FAQ's so you know exactly what to expect. When you're redy to begin your claim start a thread in the relevant forum and keep it updated with your progress and any questions. You will find lots of help and support here from people in the same boat. Good Luck Nona

Hello Carcav Welcome to CAG. Please start by thoroughly reading the FAQ's and step by step guide. Then read around the forums, particularly those of your bank. When you feel ready to begin action, start a thread in your bank's forum and keep it updated with your progress. Post any questions and you will get the help you need. Good luck Nona

Hi Zebra, Firstly, refuse to tlk to them on the phone. Get everything in writing. If you have sent the LBA already then 14 days after that you need to file your court claim, either the N1 at you local county court or the moneyclaim online. Start a thread in the cap 1 forum and you will get the help you need from others who are dealing with this company. Good Luck Nona

Hi Marc, Have you read the FAQ's and step by step instructions? It is worth taking time to read these and some threads on the Halifax forum. What did you claim in the letter you sent on Dec 18th? Was it just a guess? You need your statements first before doing anything, then when you know the exact amount and dates of all the charges you can start your claim. If you have requested your statements using the SAR letter from here and enclosed the £10 fee, Halifax are legally obliged to send you the information within 40 days. While you are waiting for the statements get yourself armed with as much knowledge as you can. If you get things wrong the bank will know you haven't done your homework and will try to find ways out of paying you back. Good luck Nona

Hi Helluva, Welcome to the CAG site. The first letter yu send on here gives the bank 14 days to respond and then you send the LBA. If the bbc letter says the same thing, and your 14 days are up send the LBA. If they offer you a goodwill gesture it will be less than you are claiming. You file a court claim 14 days after the LBA. Above all, stick to your own timetable. Do not be put off by the bank saying they need extra time etc. Meanwhile, as you have realised, read, read, read around the site, especially the FAQ's and as much as you can take in on the bank's forum. Start your own thread in the Lloyds forum and keep it updated with your progress. Ask any questions there and you will get the help you need. Good luck Nona

Congratulations!!!!! Well done Clara, please remember to fill in the survey. Have fun with it Nona

Hi Superowls, I sent everything to Trinity Road, but if you ahve sent it to the Leeds office it will be forwarded to the relevant department so don't worry. Good luck with your claim-while waiting for responses from Halifax, read as much as you can on the site. It will give you confidence when you know what to expect form them. Also keep uour thread updated and as k any questions. You will get lots of help and support here. Nona

Hi Mike, You need to start your own thread, not just high jack someone else's! Use the new thread button at the top of the page, then keep your thread updated with your progress. You will gett lots of support from other rbos claimants. Good Luck Nona

Were do i stand? Can i still claim charges if their is a default on the account? Can you claim back phone charges for ringing the bank? Christmas is cancelled in this house thanks to Halifax. Hi Jarroda, I sympathise with your current situation. However 1. yes you can still claim regardless of thre default 2. probably can't claim back phone call charges 3. Nonsense that they can' provide you with statements-they have to. Send them a SAR letter with a payment o f£10 and by law they have to give you all the information they have. Please read the FAQ's Read round teh site as much as you can Then, when you're ready-go get 'em Nona

Hi Mr tee Welcome to CAG. Please take time to read the FAQ's and the step by step guide. Also read up on threads in the Halifax forum so you know what to expect from them. When you are ready, start a thread in the Halifax forum and keep it updated with your progress. Post any questions and you will get plenty of advice and support along the way. good luck Nona

Hi Bovski, Not really as it isn't a legal cost. It is a voluntary contribution for those people who feel that they have been helped to recover money they never thought they would see again, and who want to see the site continue it's good work for others. Nona

Hi Steve, Welcome to CAG. First, read the FAQ'a and step by step guide. A few times. Then read around the site as much as you can, especially the forums relevant to you (your bank, circumstances etc). When you are armed with knowledge, and ready to begin action, start a thread in your banks forum and keep it updated. Post any questions there too. You will get loads of help and support here. Good luck Nona

Hi Omicron Welcome to CAG. Good luck with your claim. Nona

Hi Chaddy, Welcome to CAG. You got a bargain there, i paid £10 for mine!! When you start your action start a thread in the HALIFAX FORUM and keep it updated. Post any questions there. make sure you read the FAQ section and step by step instructions, and as many Halifax threads as you can. Good Luck Nona

Hi Pink, I also found that at about your stage when i was convinced i would be the one to be challenged and lose in court, that reading some success stories helped me to calm my nerves. You'll be fine, but do keep reading! Good Luck Nona

Hi Jane, Yes this is normal Yes this is normal (Sorry, lol, couldn't resist) Hang on in there, Nona

Hi Techno, Stick to your timetable. Would they give you any leniency what with it being the holiday period???? 14 days after 1st letter send LBA, 14 days after that court proceedings. Good luck and keep us posted Nona

Hi Leeroy, The MCOL is fairly straightforward to fill in. Go to the templates library and use the MCOL, Particulars of claim as your basis ofr filling in the form. There sometimes seems to be problems with the MCOL site-just persevere. Space is limited so if you can't fit all your information on you may need the use the N1 form and take it to to your local county court instead. Good Luck Nona

Hi jim, Yes you can claim this back, even though your account is closed. start by reading the Faq's and then read as much as you can especally in the barrclays forum. start your own thread in barclays and keep it updated. ask an questions along the way. we are very friendly and have all been in the same boat, one way or another. Good luck Nona

Hi Rubber, You should be able to claim your unlawful charges back if they were incurred in the UK. The best thing to do is start with the FAQ's and read as much round the forum as you can. There is a lot of information to take in but it's worth it. Start your own thread in your bank's forum and keep it updated with your progress. You can post any questions there too and you will get help from people dealing with the same bank. Good Luck Nona