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Everything posted by Hedgehog

  1. OK, thanks for the replies I think I will try a standard letter to get the money back after the loan was paid off..
  2. But in that case, the payments were for something... In this case, the payments were for a loan protection that they had paid in full, also they were told they had to have them... Also, he is a farmer, so self employed, probably not even covered!
  3. they sent mine back anyway, still sent the statements, so wouldn't worry much anyway..
  4. Just to confirm..yes you definately claim for BOTH..
  5. After my recent successes, my family have been scrutinising their accounts... my auntie has found a direct debit of £35 a month on her bank statement that she wasn't sure what was for.. She went to the bank to ask, turns out it was for ppi insurance for a loan that was taken out years ago... but my Aunt and Uncle paid the loan off in full over 8 years ago... AND THEY ARE STILL PAYING £35 INSURANCE EVERY MONTH!!!! She has of course now stopped it, but the bank have told her that it was her fault, she should have informed them... At the time of the loan, they were told that they had to have the insurance when it was taken out.. The loan was with Lloyds but insurance was taken over by Scottish widows, Can they claim it all back? at least they should be entitled to the payments after the loan was paid off in full? this is so different from the bank charges.... Help! where do I start?
  6. sorry wooders...been off spending! why not open an account and change wages to be paid in and change over all so's and dd's its easier if you can hang on till they pay the first one as you will have some cash to cover any worries during the swap..
  7. Well done!! (Oh they just say they are going to defend so that it looks like they think they are in the right...If they give in straight away it looks like a guilty party....)
  8. hmmm? I think we were using different spreadsheets?? Have just looked, and they have now added that column.. If you are not sure, then leave it at £0.
  9. remember to cross out any confidentuality clauses!! WELL DONE!! (happy shopping!)
  10. Hey, its the greatest savings plan ever.. I too have had a charge whilst mcol was running.. I have made a note of the date... I am giving the bank lots of time to forget about it and to forget the want to close my account.... and in 6 years time I will be repeating history.. I wonder how much my 'savings' account will have matured by then he he...
  11. Probably just held up as your account is closed.. I would ring just to check that they have not tried to credit the closed account..
  12. Hi Foodie, yes use the template stuff, its worded correctly and they pay up!! Just in case... this is the wording I used...(fill in the red bits with your dates and figures) The claimant claims the return, by cheque, of money taken by the defendant in the way of charges over the last 6 years. The bank's charges are a diproportionate penalty and therefore unenforcable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. para 8 and sch.2 1 e. In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and services Act 1982 s.15. The bank have declined to justify their charges. Total charges of £0000 I also claim interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from XX/XX/2000 to XX/XX/2006 of £00000 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%. The total at XX/XX/2006 is £00000 plus court fees.
  13. hantom.. I have replied to your question re help...and yes go for them all!!! Adam, I am assuming that the full offer did not include the court 8% and the fee, I would send them a letter stating that as they have not honoured that offer you have had no choice but to continue with the court case and will now expect these amounts aswell.. good luck!
  14. Hedgehog

    help needed

    In the library, under FAQ's there is a step by step guide, read it carefully and good luck.. ( I think this is the link) http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html
  15. hope i'm not too late...the interest part of the sheet should be something like.. date..interest.. your balance... nothing to do with interest free overdraft... just the interest charged...and then your bank balance at that date..
  16. sorry..was about to answer your question...got caught up in something else and by the time I got back you have an answer!
  17. no don't worry..just ignore whatever it says about the borrowing rate.. If it debits your account with interest then add it to the spreadsheet around the same level as entered charges from that month..
  18. On your statements, you will see a debit for interest...and an amount next to it, often on or around the same time as charges..this only happens when you are in the red... If you have none, then yes leave it blank.. as to whether to do them together or separate, I think it is personal choice..
  19. Yes agree with Angela, they say that they are going to defend to the court as it then looks like they think they are in the right...reality, its just a brave face...stalling point, they dare not let it get to court and will pay up before then..If they pay up rather than stating they will defend first its like an admission of guilt!
  20. Oh god yes it feels good.... American fridge freezer (with drinks and ice dispenser on front I'll have you know!) paid for and arriving next week.... new(-ish - well new to me anyway...) car this week, weekend Trip abroad booked...... Damn Big Smile On My Face...... WOOOOOHOOOOO Thankyou very much to this site.... I have spread the word.... several hundred (probably nearing a thousand) people at my workplace who have all recieved an email..... I have told EVERYONE that I have spoken to.... ... in fact I am probably being very annoying and should really start calming down..........no way WOOOOOHOOOOOO
  21. Add up ALL those charges... Check back 6 years and add on any more they may have added.... Claim for the lot... Some poeple are claiming 20k.... (not small claims though...) Others are claiming £30..... its your money... go for it..
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