Need some advice on what to do.. we purchased a cereal from Tesco and during breakfast a few days later my son was eating cereal and nearly swallowed an eslastoplast, he spat it out. We were all shocked, my son was sick.. This is the first time anything like this as ever happened to us. We reported the issue to Tesco and were advised its not there issue and that i should contact Nestle. I sent them all the information, including photos, they are now asking for the cereal box back so they can investigate. Should i sent it back to them or get someone independent to verify? What action can i take?

Thanks rebel, the statements I have only shows standard balance interest of 1.527% how does that translate to Interest Rate (% APR) which is needed in the spreadsheet for the calculation?

Hi Slick, I've received the SAR response from Barclaycard, still waiting the Egg details. I've extracted all the charges and they come out as below. What should i do next? Barclaycard Visa 8th Mar 2006 Late Payment Charge £20.00 8th Feb 2007 Late Payment Charge £12.00 10th Oct 2011 Late Payment Charge £12.00 10th Oct 2011 Over Credit Limit Charge £12.00 10th Oct 2011 Return Direct Debit Fee £12.00 8th Nov 2011 Over Credit Limit Charge £12.00 Barclaycard Sky 19th Feb 2009 Unpaid Payment Fee £12.00 21st Dec 2009 Return Direct Debit Fee £12.00 21st Dec 2009 Late Payment Charge £12.00 21st Oct 2011 Return Direct Debit Fee £12.00 21st Nov 2011 Late Payment Charge £12.00 21st Nov 2011 Over Credit Limit Charge £12.00 Thanks

Hi Slick, Barclays have responded to the original hardship letter I sent them, they want to do the following: close my two accounts, issue me with a default notice open a new barclays cash card account convert the oustanding overdrafts into a loan (not sure about rates etc..) In my main account I was always in my overdraft limit, the real conern is the 2nd account which i need to bring back to 0 balance. I wanted them to put me on a plan to clear the overdraft on my 2nd account, freeze the interest and not give me any default notice.

Hi Slick, Just wanted to ask about default notices, is there anyway to get out of being given a default notice when agreeing to go on a repayment plan with a bank or credit card company?

Thanks for the advice, will make an appointment to meet with CAB

Does anyone know if its possible to negotiate the return of a car and agree to take on a lower spec car with lower payments

SAR finally sent out today and to the other CC companies. Any news on the hardship letter? i've been looking round on the net and have found the following -Dear Sir or Madam, RE: Account Number: 0000000000 I am currently experiencing financial difficulties due to a drop in my income and am finding it increasingly difficult to meet my contractual payments. I am trying to resolve my situation but circumstances beyond my control have forced me into this position. I enclose a copy of my financial statement. I have also enclosed a schedule of all my non-priority debts and the proportionately calculated pro rata offer. I hope you can accept this offer of £10 per month and stop any further interest or charges accruing. I will write to you again in four (4) months to update you on my financial situation and payments .Yours Sincerely In the meantime I also contacted CCCS and went through my situation with an advisor, he recommended a DMP to clear my debts. I'm not sure to proceed with them or go it alone myself. If i decide to go it alone, is it worth mentioning that i've been in contact with CCCS including my reference number do add additional weight to my situation. At the end of the day i hope they freeze my interest rate and charges and agree to a figure i propose to repay

Thanks alot for the advice slick132, please let me know once the hardship letter has been updated.

Hi Slick132 Before sending them a SAR, should i send them a hardship letter with my income/expenditure. Does it matter in which order its sent

I took out a new Mercedes on a 3 year personal lease plan in Sept 2009, a few months later I lost my job and have been struggling with payments ever since. I had odd jobs trying to make ends meet and was managing to keep up payments partly from wages and savings. I'm not sure if I can continue anymore. The payments are approx £550 per month + £61 insurance. Can i return the car and call it quits ?

Forgot to ask, when i send the hardship letter, do i have to include an income/expenditure spreadhseet? Are hardship letters only meant for banks or do they apply to credit card companies?

Thanks Slick132 will follow your suggestions.

Thanks, i cant find the Bank Templates Library, which is the first letter i should send?

I have a Yorkshire Bank Credit Card, I've been out of work for approx a year and have just manging the minimum paymentswith some missed, late payments and in the last couple of months I have defaulted on a few of them.I have just got a job and can once again start paying the minimum, i'm not using the card anymore, what do you think is the best course of action in getting some money back from them, freezing or lowering interest, etc.. your help would be greatly appreciated.

I have a Natwest Credit Card, I've been out of work for approx a year and have just manging the minimum paymentswith some missed, late payments and in the last couple of months I have defaulted on a few of them.I have just got a job and can once again start paying the minimum, i'm not using the card anymore, what do you think is the best course of action in getting some money back from them, freezing or lowering interest, etc.. your help would be greatly appreciated.

I have a MBNA Credit Card, I've been out of work for approx a year and have just manging the minimum paymentswith some missed, late payments and in the last couple of months I have defaulted on a few of them.I have just got a job and can once again start paying the minimum, i'm not using the card anymore, what do you think is the best course of action in getting some money back from them, freezing or lowering interest, etc.. your help would be greatly appreciated.

I have a Halifax Credit Card, I've been out of work for approx a year and have just manging the minimum paymentswith some missed, late payments and in the last couple of months I have defaulted on a few of them.I have just got a job and can once again start paying the minimum, i'm not using the card anymore, what do you think is the best course of action in getting some money back from them, freezing or lowering interest, etc.. your help would be greatly appreciated.

I have the following credit cards with Barclaycard with various amounts of debts on each, as i also have other CC's in the same situation, will open new thread in the respective categories.BarclaycardBarclaycard MastercardI've been out of work for approx a year and have just manging the minimum payments with some missed , late payments and in the last couple of months I have defaulted on a few of them, I have just got a job and can once again start paying the minimum, i'm not using any of the cards anymore, what do you think is the best course of action in getting some money back from them, freezing or lowering interest, etc.. your help would be greatly appreciated.

I've managed to open an account with another bank as a precaution. For the issues with Barclays is there no way to recover charges like people are doing for their credit cards (have this issue aswell) I also have a Barclayloan Plus (fixed payments of approx £500 per month for 5 years, approx 1 year left to go) which has also had a number of charges due to insufficient funds. All this due to losing my job over a year ago.

Hi, I have two Barclays Accounts, primary with 5k overdraft facility and secondary with 2k. I have not had a job for over a year and was basically surviving on savings and using the overdrafts. The past few months have been very difficult and due to lack of any income, all of my direct debits and standing orders have failed, this resulted in bank charges for every failure, eventually they called me and cancelled all my direct debits to avoid any further charges. For the 2k overdraft, due to no credits being applied to the account they have removed the od facility and requested i payback the whole amount. They have given me 6 months to pay back the whole 2k. Can anyone recommend how i can recover charges and interest to my accounts, and best way to handle paying back the 2k, i really cant afford to pay 2k in 6 months, but they are not having it.

I have filed a defence and have received paperwork from Court to complete an allocations questionnaire and return it to the Court office.

Thanks cerberusalert

Thanks for the letter i should send. Do i send it to Credit Corp in Australia or to Stevensdrake in Crawley?

Claim Form In the Brighton County Court Claim No. XXXXXX Issues Date Claimant Credit Corp Services Pty Limited Level 11 10 Barrack Street Sydney NSW Australia Defendant Mr XXXXXX XXXXX Address XXXXXXXX Brief Details of claim Monies due under an account assigned to the Claimant and in a foreign currency Value £4,125 Particluars of the Claim 1. The Claimant is Assignee of the Debt from Australua and New Zealand Banking ('The Assignor'). The Claim is for the balance of payments due under an Agreement made between the Assignor and the Defendants entered into out of the jurisdiction and therefore not regulated by the Consumer Credit Act 1974. 2. The Agreement provided for: a) payment each month of stipulated monthly payments b) in default thereof the Claimant may terminate the agreement and recover the full balance under the agreement. 3. In breach the said Agreement the Defedant failed to make payment and the agreement was terminated by the Assignor. 4. On 5 Novemeber 2009 the balance was due and payable by the defendant was AUS $6,758 5. The defendant has paid AUS $0,00 The Claimant therefore claims 1. AUS$6,758 2. Contractual interest accrued to the date hereof: AUS$610.12 3. Further contractual interest at the rate of 0.97% per month ($AUS2.33per day) from the date thereof until judgement or sooner payment or as the court deems fit. 4. Costs to be assessed. Claimant claim AUS$7,258 * We hereby certify that the rate current in London for the purchase of $AUS at close of business on XX of August 2010 was 1.72 to the £1 sterling and at this rate the amount due unde the claim to date amounts to £4254 and the claim total to £4600