Thanks both!!

Hello caggers! My small business failed last year, but I OWED NOTHING! Or so I thought. Even though I had cancelled all DD's online with NWB, they still managed to pay 3 to the amount of £160. I tried, in vain, to get the money repaid by the payee, but NWB said account was closed, at my request, and money could not be paid in. The payees would only pay to the account from which the money came. Finally after nearly a year, NWB relented and the money was paid back. However, they now want charges paid that were "accrued" during the dispute. They agree that all they paid out is back as was agreed, but still I get letters from their Birmingham Collections Centre demanding the charges. On phoning them I am met by a foreign accent which is difficult to understand as I have a slight hearing impediment, so get nowhere there. I have even threatened to charge them for each letter I write, they just ignore it and send another template letter. Does anyone know who in the hierarchy of NWB a letter could be addressed to that would result in my letter being read and investigated, please?

Many thanks Silverfox

Hi all, Advice please! I am in dispute with NWB over an overdraft situation caused initially by them paying 3 DD's when I had cancelled them with the Bank. Then they charged me for paying them and are now charging interest. I have written ad nauseum, but only get "template" replies that do not address my complaint. I put the account in dispute many months ago. They now threaten a default. Not bothered about the default, but are they within their rights to do so?

Hi all, Recently, probably about a month ago, I read a post that used a quotation from a MP in support of fully completed & signed agreements. I can't find it! Can anyone help, PLEASE?

Hello Honeybee, love your handle too! New at this site, thought i was on insurance forum. Can you direct me please?

Hi Dennis, When my son in law and I looked at her car there was no visible damage at all, we took photos in support which the insurer has. We struggled to drive the car with handbrake on, so we felt it was a [problem] and told insurer so. Her insurer says she had witness who turns out to be her sister. Our problem, how do we fight it? The renewal is due next week, they have taken the ncd earned to date and increased the premium.

She told them about the visit, she was advised to take photos of her car indicating damage. We took photos of her ca,r but there was no damage. we also took the advice of insurer to contacat 3rd party to ask to view car, our request was not granted by 3rd party.

None at all until letter came from insurers some 4+ months later

Hi all, Looking for advice on a car insurance issue. Last June someone knocked at my daughters door to say their car had rolled into another car. Daughters husband out so she asked them to call him next day. The owner of the car said we couldn't see car as it was at the garage for the repairs. All went quiet till last week when son-in-laws insurers informed him claim was to be settled. There is no photographic evidence of claim, only a family member who "witnessed" it. The cost of claim is approx £200, but this is going to increase premium by £360pa and wipe out 2 years NCD. How can we fight this? All ideas welcome!!

All done as suggested. BC seem to have ignored it as have now had letter from RMA (Risk Management Alternatives - I believe) demanding payment. The THE NEXT DAY a polite letter from them telling me they have selected me as a special case and I qualify for a reduction! They are so kind aren't they!?* Propose to write back asking what amount of reduction they are offering in view of the fact they purchased the account from BC for a fraction of the balance. Wonder what they'll say?

Thanks buzby, done that. Do I understand you correctly that there are other such sites where info can be sourced by the public? Obviously cant do anything about the CRA's

Hello all. I've joined this thread very late, so my question may have been covered in the preceding 24 pages, somewhere! Is it possible to have entries concerning yourself excluded from the likes of 192.com??

Sell the debt cf.pdf All has been quiet for a while, but today I have a letter from Caders / Mercers offshoot, telling me Bcard are planning to sell the "debt". Have tried to attach letter, for your info. Is this good thing on my part as Bcard have not supplied TRUE copy of agreement only copies of T&C's? Have put account in dispute, although Bcard say they do not accept the dispute.

Greetings All, I have what I think is an interesting situation. Due to whatever I was unable to keep up payments on NWB card. we were unable to agree a plan suitable to us both, so I ceased payments. they passed it to AIC, who were CCA'd by me and they confirmed they were unable to supply and returned my fee. It was then passed to Regal, who were told to hop-it, due to the inability to obtain CAA information. But to be sure I applied directly to NWB, who have supplied the info requested. :mad2:. However, they did not respond within the 12 + 2 days. additionally they did not stamp / frank the reply so it took more time before I received it and had to pay £1.81 for that honour. QUESTION. Is the debt enforceable in view of the delay? If you can open the letter you will see they did not reply within the 12 + 2 days anyway, this by their own admission. Any suggestions, most welcome. DDNWB reply for Consumer forum.pdf

My wife banks with Lloyds and has a spotless record with them. BUT , last month she received a notice of charges showing they were planning to charge £27 for an "unplanned overdraft". We searched the statement to find that she did go £0.20 overdrawn, when on a SATURDAY they applied the account charge of £7. I wrote a strong but polite letter pointing out that the charge was applied on a non-banking day and that had this not happened until the next banking day (Monday) her pension would have been there. She received a lengthy reply telling her charges are automated and can be debited any day, banking or not, and they were fully within their right to charge the £27. However, "on this occasion" they refunded the £27 to the account. We were most pleased with this since they never did debit the charge. So she is up £27!!

Thanks Slick. No penalty charges as such. I have complained that the interest rate has changed and that when Mercers have been in touch the amount they chase differs from that on the BC statement. no explanation has been forthcoming. So, I went along the "produce the CCA" course and finally put account in dispute when CCA did not arrive. This seems to have spurred them into the reply I have received. But as of last statement and whilst in dispute, both late charges and interest have been applied. Regards DD

Thanks Slick. My concern is their ability enforce via the Court. You seem to indicate they would struggle. Do I understand that correctly? Is there another way to post the letter from BC? I tried a straight upload, but is failed as file was too large so I simply zipped it. Obviously that didn't work either! Regards DD

Hi all, I've been trying to take BC and Mercers down the route of providing a true copy of the original agreement. They have sent me a 3 page reply, which to be honest I don't understand, other than they are saying, they don't need to provide it. I hope I have managed to attach it to this post. If any can translate for a layman, and hopefully point me in the direction to go, or a letter send, it would be MOST appreciated. Thanks DD B CARD letter for consumer forum.zip

Hi All, Have received a letter today from Lowell, confirming that neither they nor Cap 1 can produce a completed CCA and that Lowell are removing my file from their records. This raises 2 questions, 1. Are they agreeing the alleged debt in unenforcible? 2. Am I entitled to claim back any money already paid to them (Lowell)? ?

Having sent of the CCA requests to AIC including the £1 postal order, all went quiet. After the 12 + 2 days I sent a dispute letter, stating they had not complied etc. Today I received a letter quoting 1 (of 2) account reference telling me they are unable to comply and that I should contact RBS (the card issuer) direct and send the required £1 to RBS. However AIC have not refunded the original £1. It's not about the £1, but it is about correct procedure. Correct me if I am wrong, but is this not the responsibility of AIC to obtain the information and then pass it to me? All comment welcomed!

Thank you. I am looking back at statements about penalty charges. I assume these being late payment and/over credit? Don't think there are any though. I sent the CCA letter really to let them know it's time to stop pushing me for something I don't have. Was made redundant 2005 and had no work since and at my age there won't be any, but theyt want nearly 25% of my benefit. Not on, just can't do it any more.

Thanks Slick. Does it mean that if they don't send CCA then they can pursue to debt?

I sent them a CCA letter about a week ago. today I received a reply telling me they only need to tell me the credit limit, the balance and the overdue payment amount. They also sent a copy of T & C's, uncompleted and without my signature. Is this correct? They had previously written to say I had not kept up my agreement with them to make a nominal monthly payment (correct) and that the normal repayments amount would now apply, but the amount the say is overdue is just the nominal amount previously agreed. Any advice to a novice is MOST welcome!!

May need to check this but Albion are/were linked with J & J Collections also from Leeds (spooky that?). They also chase for AA Finance, who I believe are run by HBOS.