ok so the N1 form gives more space and MCOL dont so it will be ok for credit card company charges and bank charges of late payment fees default fee claims and the cost of N1 and MCOL is the same but MCOL is much easier if you dont need alot of infomation to pass over im sure it can only be a good thing for the smaller claims.

i am sure if people call the MCOL helpdesk they will advise on how to do ppi and other money matters i think i need to research a bit more of MCOL as i have only brushed over the surface of it but at least it is there if we need it thanks thematrix28 for bringing light to the MCOL website oh your welcome lol

ok type in google moneyclaim its a goverment website its basically a online court check it out let me know what you think about it

excuse me i got the infomation from your sig number 3 besides the bit about court website which a person from CAB told me about. Your sig 3 states (the OFT) would intervene on behalf of the consumer. They did not state that £12 was lawful - in fact they stated that only a court can decide. "A fair default charge should not exceed a reasonable estimate of certain limited administrative costs which the credit card issuer reasonably expects to incur as a result of default" also Both of our letters give 14 days for a response. Together, these give the banks at least 28 days to settle your claim - an acceptable timescale for a court. i put in for interests your sig 3 states You can claim up to £5000 net of costs and interest and this will not affect the track allocation. so just a few points to your sig 3 which i put in my letter and you say is all crap unless im reading it wrong or took it out of context

Ok i sent a letter to them saying along the lines of you have charged me im claiming them back in full with interest only a court can decide charges and the office of fair trading will step in on my behalf because of the charges. I asked for proof of what the cost are at there end and if they send the evidence ill send it to (OFT) for clarifacation i give then 14 days to reply that was sent on the 20th jan 2012 ill update you when and if i get a reply and what it says if not ill send another letter giving 14 days to reply if they dont i win by default also i hear instead of going to court with them there is a court website that you put your details in against a company and they do the rest you dont have to lift a finger is this true anyone.

£6286 car price £1700 deposit APR 28.5 intrest £2758 on total amount arrangement fee £480 settlement fee £120 here are my charges all in 2010 1st Nov arrears letter fee £25 19th nov arrears letter fee £25 29th nov late payment fee £14.64 19th nov late payment fee £7.69 now 2011 12th JAN notice of default fee £25 29th jan late payment fee £12.66 12th feb notice of default fee £25 i took the finance on 19th march 2008 in the key info it mentions charges that are set out in the conditions no one told me about the charges i was just given the T&C to read thats it any one help do i have a case for the charges back if my T&C say there is charges thanks in confused

Is there any template letters for complaint and refunds in this situation or some guideline type letter i can follow all i can find is for ppi an credit cards any help please

thanks mate i read some of DX100UK notes in his sig and i got more info and found out up to 6 years can be claimed back them notes are very informative but if we can claim it back why do they still think they can charge over the odds or is it a case of they try it on and hope we dont find out

Opened in OpenOffice now it makes sense and the notes make sense so just to make sure im doing this right put my details in the companys details in account # claim from (is the date the charges started) claim to (last date i was charged) APR ok and from row 20 i just put in the relevent info to all the charges once ive filled it all in what do i do with it after that will it auto cal. the charges and do i print it and send it to them sorry im new to this form and claiming stuff but you have been most helpful up to now i just need a little bit more

ok ill see what info i can get from them and what i can dig up on my bank statements can i still get charges back if items have been paid and finished but had charges on them at the time

can you post me a link or what tab header will i find the download link in thanks in advance

thanks for both your help but anothr thing io forgot to add was they said i havent paid the charges as they are put on the end of my settlement so im guessing if i add all the charges up and say it comes to £300 when i end up with just £300 left to pay can i refuse to pay it as they are unfair charges or do i get a slap in the face for doing that lol

thanks Martin3030 NOW HOW DO I GO ABOUT CLAIMING THE CHARGES DO I JUST ASK OR IS THERE SOME PAPERWORK OR PROCESS I NEED TO FOLLOW damn forgot the caps lock was on oops

thanks mate but the attached sheet has errors on it going off my microsoft.works se ver 9.0 i got the page to open but not everything is clear is there a info file because the notes are not clear they are very brief can you give me some help on how to use it please if you get a min.

how can i find that out also why dont they show me a loss on there accounts they have off this debt that would then give them a leg to stand on in court i checked them out on company house website it says they are a private limited company do you know the difference with private limited and just limited company if there is any and is it true they take the T&C with them when they buy the debt and they stand

i bought a car on finance its with british credit trust finance im in arrears with it due to a change in my work hours i agree to a payment plan but i didnt pay on time with a few payments and only paid half on 1 payment at xmas coz of so many bills and presents i didnt work my money out so my cash never stretched far enough i had a call from the recovery department who were ok to a point i asked for a breakdown of the charges which they said they would send a statement the past year its £130 for late and half payments i think it worked out around £25 each late payment when i asked for them to show any loss on there accounts to make these charges to me thats when they became angry saying i have no chance of that info. i ask why if im paying for charges i would like to know what im paying for so can you justify the charge i got some crap about terms and conditions i said i was not aware of the late charges they said its all in your T&C i said i dont understand it all im not trying to get out of paying but i would like to know where i stand with the charges they put on me also the finance was for 4 years i only have £1400 left to pay its about 7 months left to settle the debt and i think i may have some late charges from the last 2 years also

Ok thats for all the help with this matter from everyone but i think i have stopped the calls to a point were my T&C are in effect i called the head office or the complaints department (not sure which number i was given) but anyway i spoke to them and stated no calls before 12:00 because its affecting my job i got a bit of oh we start at and you must pay on time or we do this and that so then i said my bit i told her the laws on harassment and any more of it and ill take legal action against them and i have all the evidence i need and to stop it going to that stage just dont call before 12:00 and both parties are happy anyway this was about 5 days ago and guess what i can sleep without them calling before 12:00 ive had no more hassle now this is how i wan ted it to be in the 1st place so i will say this is resolved up to now thanks again for all your help people.

ok thanks to everyone who replied but i need some more advice if poss. ROBinson way debt agency said that no contract is signed on a current account i dont belive this is true and when they bought the debt (which they admitted) that the T&C come over to them aswell. They said if it was a loan or credit card there is a contract but not with a current account So its my understanding that if a debt agency buy my debt then isnt that the end of the contract with the abbey and me because on the abbey accounts it will show that its settled now ROBinson way have to chase me for the debt but what happened to them asking me prior to setteling the debt if i would pay them back and if what i write is true then i dont have any contract or agreement to pay ROBinson way anything. in my understanding they are acting unlawful and hoping that there terror tactics will make me pay can someone please clarify if this is true.

thanks for your helpful advice with this matter i have emailed my local redundancy office stating the situation ill keep you update on the following events with them thanks again

in 2009, i had an unauthorised overdraft which i used £50, eventually i gained bank charges which i couldnt pay which racked up to £238.56. i have been receiving letters from robinson way for the past 2 years so i decided to call them. i asked for proof of claim to the debt which they said they dont have to show me and also a signed contract between me and them stating that i have agrreed the payment to robinson way, ehich they claim is also non existant. what they did say is that, as it was a current account, there is no agreement other than the signature i provided to abbey upon opening my current account. they said they will send an 'notice of assignment' which gives them the legal right to claim and retrieve the debt from me. they refuse to aknowledge the existance of a contract between me and robinson way but insist that they will persue the claim against me. i was told she is gonna send me this notice of assignment but will not give me any proof that there is a contract between us and i have 3 weeks to respond to the letter. how can i get out of this????

When i was with TALKTALK i had so many dropped connections like every 2-3 hours i would get kicked off my internet, i havent had this with SKY so thats 1 good point for them

also forgot to mention interference on your line like electricity or phones can slow your speeds down you can buy a i-plate for about £5 this with stop the interference and speed things up sometimes even if your not running from the master socket it can work, but sockets with BT OPENREACH logo on already have this technology in them just so you all know

with microsoft works (office) which includes word this is usually already installed on new laptops on a trial basis so when the time limit is up on the trial it then starts asking for you to pay for the full software when the trial runs out but if your meant to have the full microsoft office then why did they ask for money all i can recomend is ask if the microsoft office software was a trial already installed on the laptop or was you meant to have the full office software just so everyone is clear in the store that they made you pay for it when its meant to be free for you now the office disk i assume you have may also be a trial vresion you need to find out if the software was a trial or full software hope this helps you out

i just found this website with some helpful tips on testing and fixing speed and connection problems using your master socket this is were your line comes into your house and on the wall inside your house is the master socket joined to that line check this website out http://www.webuser.co.uk/broadband/advice/372354/fix-broadband-connection-faults

your modem no matter how good it is will not make any change to the connection speed the only change it will make is the speed it sends out wifi to your laptop or pc from 54mbps or 300mbps but the connection (coming into your house) is the speed your getting this will fluctuate slightly thats it the further away from the exchange box the slower the speed also all the homes from the box to your home catch the speed so if your last your slower its not fair we all pay the same price but get less of a service im totally screwed because a man from a well known computer magazine knocked at my door 1 day and said doing a review and did you know your street is 1 of 18 with the slowest internet connection in the country well thanks for telling me mr doom and gloom ive been with BT, TALKTALK and now with SKY all the same speed i live about 3-4 miles away from the exchange office im meant to get upto 10MB i get 1.2MB tops i live in a new build too until virgin can rip up the road and give us faster cables it looks like 1.2MB for me but thats the only solution i know of virgin cables oh just a note wired connection is always better than wireless so if you can use a ethernet cable from your modem to your pc or laptop this will give the max speed of the modem to your pc/laptop