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rennai

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Everything posted by rennai

  1. Hello guys, To raise small claims action against HBOS who knows the exact address to use, I wrote to office in Leeds? I got a reply from their office in Cardiff. I just want to be very sure??
  2. update guys, I sent letter to HBOS seeking refunds of charges, instead of replying they sent email requesting telephone discussion regarding said letter. Has anyone experience this and generally what do you reckon guys? I saw missed call and I'm yet to call back.
  3. Hi DX I'm unsure if APR applies on this, OC was charging Ovd fees not interest like Credit Card. What I'm think is to include 8% interest on reclaim total for refund I'm seeking? APR applies to Credit Card and some other charges I think ....Please clarify if you think otherwise.
  4. Hi Andy I think It's connected, same bank account DCA is suing for, have so many excessive charges, I saw that after a received all my statements following SAR.
  5. Hi Andy I think It's connected, same bank account DCA is suing for, have so many excessive charges, I saw that after a received all my statements following SAR.
  6. Hi dx thanks but it does seems this reclaim letter applies to Ovd charges (mine is daily ovd charges/fees for planned and unplanned, some for about 6 months of charges are interest debited because it's high interest reward current acc. said template seems to be for Credit card late fees and over limit charges.. right? maybe BCOBS suits my case better?
  7. spreadsheet done charges (ovd and interest) on 2 account from 2009 to 2013 almost 4k very high, please send me link for cover letter, etc.. Is there any regulation I can cite to stop refund being sent to Lowell?
  8. thanks, is there cover letter template on here for charges reclaim?
  9. Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC? Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell? What's your opinion guys?
  10. will the fact they issued court claim before it falls off file count? the other thing is acc was opened and operated in Scotland before I moved to England about 3 yrs, will case be viewed under Scottish or English law??
  11. 18th Nov 12... but dec 2012 there and subsequent months there are OD charges by OC some OD charges were outrageous for 3 months before they closed account it was £150 (they said unauthorized) even though I didn't do any transactions at all, is it right? the charges were increasing the balance
  12. question answered in #28 Last payment was on 25/01/2013
  13. last payment: 25/01/13 Lowell didn't challenge my defence, didn't reply to CPR 31.14 2 weeks ago they wrote acknowledging defence filed and hearing date, and asking for payment proposal without prejudice save cost and courts cost, insisting claim is valid. record they registered only on noddle is wrong; default date 07/2013, debt amount inflated to be same as their claim amount? when they haven't won case yet. DD they put was when OC closed acc. OC never registerred default, otherwise 2 records would show one from OC as settled then one record from DCA . I'm thinking of challenging this through Callcredit and ICO if need be, ....is there any point of doing this?
  14. Ok got you, good advise...I'll keep it to myself. My defence has SB in it, should I change tactics when drafting WS. I mean a friend of mine paid some money into my account as a surprise gift because I was struggling, but it was swallowed up with overdraft charges. If I knew he was going to do so I could have given him an acc no with a different bank.
  15. It was an Overdraft which spiral out of control when I was made redundant from work … .Account overdrawn and I was making regular payments into it..... last payment into it was on 25/02/13 by my mate. I didn't keep info to myself... .just yesterday I had detail look into bundle sent to me last week by OC who took so long to eventually respond to my SAR
  16. Used? I used bank card to make a purchase online.
  17. Guys, SB defense damaged because docs sent to me recently by OC SAR dept shows account was used 01/03/13, I was surprise to note this but, from last discussion with Lowell I think they obviously don't know about said transactions. Time line: Hearing is fixed for 31/05/19. Lowell didn't reply to my CPR 31.14. Lowell entering wrong info (default date and amount owned) on my noddle / callcredit credit file, no record on experien and equifax). I spoke to OC yesterday and their contact said the account was never defaulted account until it was sold. Should I challenge Lowell on this and escalate to ICO. Guys, please any advise on what I should do with these lots before hearing day? I can't mediate because I have no response from Lowell. Thanks in advance for any help.
  18. Good evening Guys Please see attached pcn I received couple of hours ago. I think it's unfair because it was momentary stop to pick up stuff from a friend. Any advise on how to challenge this would be massively appreciated. Thanks
  19. I intend to send a scan copy to Lowell by email is it ok?
  20. yes cpr 31:14 sent; LOWELL lied about mediation, because I rang court they said no response from LOWELL yet...that I'll be notified of mediation options if and when they respond
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