Hi guys & dolls Not been on here for a while, silly me took out some pay day loans when my partner had a Kidney transplant. Having a nightmare time with Mini credit i did email them and told them when the full balance would be available to take, they never took it in full just seperate transactions but not the full payment, i borrowed £200, i now owe them last time i looked £496, even though they have taken £289 from my bank last week the balance has not gone down at all.if you email you get no response back, if you ring them you get some yank chewing gum telling you that no payment plan can be made and interest has not been frozen, has anyone ever got anywhere with these. im at a loss whta do i do?? Ive also got a few more loans of small amounts with other companies too all of which im now struggling with. HELP

Hi Havent been on here for a while so only just seen your reply, getting nervous now as only 23 days to go and not very sure what i am doing. I am in Huddersfield and hope that I get a nice judge, any advise to what i need to present to the court? Experts report an so on? I will re-do my particulars. but they need to be in 2 weeks before the hearing.

Hi Guys just to let you know that i spoke to Eversheds who first of all tried telling me that i have duplicated charges, when he explained he said that i had put down expenses and charges which were included on my final statement, my reply was well the charges listed and were not explained on the statement just listed as they were, he than said that if it goes through court that the judge would order a stay, i then replyed by saying but it hasn't been stayed because the hearing has been set for 22 jan,so my full and final offer was for £550, which i said i would prefer the whole amount to which he replyed tha gmac would prefer to pay me nothing!!!! so i will reply by email to him and decline the offer,think that they think because of the time of year that i must be desprate for the cash.so see them in court, I will point out in my email that i will also include in my claim the court charge of £35 and the £150 for the hearing.what do you all suggest

Hi Guys Just dug out their defence which states that the particulars of the claim are inadequatley pleaded,and goes onto mention the original mortgage agreement,I am claiming non payment by direct debit fees,and late payment fees, they have still not provided a breakdown to reflect the actual cost,also cost's which were added to the final balance of £350, it was never explained what these cost'swere actually for! Just charges,and £120 expenses! Also they describe these fee's and charges as Trigger events?? It also states that i have not provided any particulars for the claim. It is eversheds who are dealing. I would like some help please in preparing my case and need to obtain an experts report, Where would i get this from?

Hello everyone, I have recieved my court date for Gmac claim, 12th jan,Need to get every thing ready, Where can i obtain an expetrs report? Im getting nervous now as time for hearing is upto 1 hr 30 mins.Helppppppppp!

Hi everyone recieved copy of defence and have to get in my AQ buy today , any advise on what i can put in it.

Hello I have a mortgage with Victoria too,well i did have and it has been passed to someone called USB i think????

Hi Guys & Dols, I put in my claim in court and have had ackowledgement back today from Eversheds advising that they intend to defend all of the claim.We'll see what comes next but i will keep you all updated.:-|

In light of what is happening with bank charge claims would it be advisable to continue with my claim against Gmac as i have everything ready??

I Know you could see the anger in his eyes but she kept avoiding the questions didn't she, I didnt catch all of it my partner raced to turn it on for me to see it, But all bank charge claims have been suspended as from tomorrow until oft & the other one have decided on what is fair for the consumer???

Has anyone else seen martin Lewis on Channel 5 News,Bank Charges Claims Suspended as from Tomorrow????

Well Folks! Had my bog off reply from Gmac, and a copy of my redemtion statemant, The cheeky buggers charged me for an insurance premium set up by themselves, also they charged me a lapsed insurance fee for not taking up the policy offered by my broker.they did send a refund for an overcharge on my exit fee of £30 + int, I thought that the full fee was refundable for the MEAF.Time to put in my claim at court dont you think guys, Im feeling a bit nervous.any advise welcome. Wish me luck cos i think im gonna need it. This letter has come from Gmac and not their solicitors, do they only get involved when it gets to court stage??

Called their solicitors today who advised that once agreement has been signed payment can take upto 4 weeks to reach my account:confused: the court date will be through before they pay up at this rate.

Ive just had a very heated discussion with Lloyds. They are taking £235 from my account in charges which i have explained that i can not afford to pay & thet the reason i was overdrawn was due to the fact that they overdrew my account in charges.The chap at my local branch said well you have plenty of money going through your account! that must make it ok for them to help themselves.I am furious.they haven't even paid back what they agreed to settle & they are taking it straight back off me.

Still not had settlement paid into account yet. How long does it take them???

You can make an arrangement direct with the bailiffs, you don't have to let them in they would need a warrant from the court.

Does anyone have a copy of LBA for mortgage charges or shall i just use the standard bank charges 1 ?

Got a very quick response back from Gmac advising they were very sorry Bla Bla,and looking into my complaint.I will start preparing my next letter to send. I know they are not going to pay without a fight, but i will keep my gloves on until the end win or loose.Hopefully win:) .

Had a letter from Lloyds solicitors offering full repayment with terms attatched,Have checked account nothing yet paid in though, I will accept without their terms & start my next claim:D

Have sent in my AQ, would it be advisable to start a second claim or should i wait until they settle this one first???

Well iv'e finally taken the plunge and sent my letter to Gmac asking for a refund of the charges to my account, will let you all know the response i get from them.

Its Huddersfield.

Hello Crew, Went into the court today to check my progress against Lloyds,Apperently they are 6 weeks behind on the claims:eek: . I have not had any corrs back from court or Lloyds since filing my claim & 2 weeks ago completed my judgement, which has not yet been served:eek: What am i supposed to do now:confused: Has anyone else come accross this at all? Managed to get a claim ref though but not sure of exact date i submitted my claim, But will work it out & post into litigation.

Dont we know it!! I dont know how the hell they've got away with it so far.They have got to be the worst ever they should be stopped all together. Certainly spend some of the money they've [EDIT] off everyone on training their staff better customer service skills!!!!

Sounds as though they are. Ill put in my judgement tomorrow. Have they closed anyones account yet?