
prettyprincesscharlie
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Hi there. I wonder if anyone has had the same problem.... I had an account with Barclays which I had a high overdraft on due to being a single mum I was unable eventually to maintain it. When Barclays changed their OD charges, I was paying huge amounts every month. I went into the branch and explained my situation and after some phone calls, I was advised the account would be closed and debt written off. I was advised that I would probably receive some debt collectors letters but I was not to worry too much as this should stop after one year. I occasionally recei
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M&S, changed from Storecard to Creditcard .
prettyprincesscharlie replied to ajs444's topic in M&S Cards
Congratulations! Bet it's a big relief. X -
Hi everyone I would be grateful for some advice on my Halifax mortgage. Approximatly 3 years ago I first started having problems with meeting my repayment mortgage monthly payment (various reasons including pay cut, relationship breakdown etc). I contacted Halifax and they agreed to switch me to a interest only repayment indefinately. I also received a letter confirming this arranagement which did not state any end date on it. Then about a year ago I received a letter stating that they were now going to switch it back to a repayment mortgage. I called them and was advised that they h
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Swinton threatening me for £120 fees
prettyprincesscharlie replied to Caz215's topic in Motor Insurance
ok. good luck hon. x -
hi everyone im just renewing my tax credits and would like a bit of advice please. im NOT self employed and i dont have a company car but i do wear a uniform and drive to work. i have a few questions id like advice on:- 1) on the "work expenses" part - am i able to deduct a reasonable amount for the cost of petrol to n fro work? or am i only allowed to do this if its a company car? 2) am i able to deduct the cost of dry cleaning my uniform? 3) i pay into a salary sacrfice pension - as its a company pension - am i NOT allowed to deduct this from my total gross earned?
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M&S, changed from Storecard to Creditcard .
prettyprincesscharlie replied to ajs444's topic in M&S Cards
Hi AJS, Just wondered if you had heard anything more from m&s and any accompany DCA lately? As you know, my m&s story pretty similar to yours. last time i heard anything was march 2012 by one of their many DCAs! After sending DCA very pert letter to say the least! - well lets just say I dont want to tempt fate - but still waiting for a reply - But definately not holding my breath!!! LOL! Im wondering inlight og santandar court case - maybe just maybe - they may be seeing the light?! -
Swinton threatening me for £120 fees
prettyprincesscharlie replied to Caz215's topic in Motor Insurance
hi caz if you tell swinton you want a copy of that telephone conversation when you told them "NO" that should work. if not, then follow my story from rebels link above. you should not have to pay anything - not even the £50 as they will try to say "its in terms n conditions" rubbish!! threaten FSA etc. good luck! let me know! -
http://whatconsumer.co.uk/cooling-off-and-cancellations/ scroll down this link to "financial products and svcs" which includes insurance. http://shared_oft/business_leaflets/consumer_credit/oft140.pdf scroll to page 8 headed "Variation of agreements" think this is relevant too! hopefully this info might help some of you out there getting XXXXXX by insurance companies!
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Hi Rebel and Uncle! Thx again for swift . Just a quick update - after calling the customer services complaint team yesterday (and a quick call to the fsa first!) - the advisor started to spout terms and conditions etc and I advised him that I knew my rights and that i had already contacted the fsa before calling him! anyway, i wasnt expecting any solution until earliest monday - well he called me back just now and said he had spoken the branch and agreed to waive ALL CHARGES!!!! must admit - i was expecting a fight on my hands - so pleasantly surprised by this sudden swift turnaround!
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Thank you Rebel for swift reply. I am going to do the complaint letter. however, i would also like to have some extra ammunition up my sleeve!! I am thinking along the lines of unenforceable credit agreement as i know a bit on this subject anyway and i dont think it can hurt to have a bit more adverse info on swintons!!!
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Hi everyone. My car ins was with Swinton & despite me telling them on the phone a month before renewal - that they should just send me the quote & if I wanted it - I would call them back - I didn't call them. I renewed with another company and then received a text on sun 27.5.12 from Swinton saying "thx for renewing with us!" As Swinton doesnt open Sundays - couldnt call until monday. I was then assurred by Swinton that I would not incurr a charge as long as I sent them copy of my new insurance to prove I had not used Swinton for that one day! The following day I received let
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Hi SFU, thx for reading it - ill special deliver it tomor. And as for their family - oh my - what an extended family these DCA seem to have!! (worse than the Waltons!!- showing my age now!). I know they wont give up easily, but i refuse to be scared by their bullying anymore!!! As always SFU - THANK YOU THANK YOU THANK YOU! :hail: LOL! got bit carried away with the smilies!! they so good!!