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dizzy

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About dizzy

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  1. Does nobody have any advice on this? I will send off my letter to the bank and post my outcome.
  2. Does no one have any advice on this?? I am in the proccess of drafting up my letter to the bank using the template letters and posts from people on this site. However there doesn't seem to be anyone that has tried to claim this last few months that has posted. I am going to try in any event and would be so grateful for any advice, ideas of cases and support from the site.
  3. Hi there, I have been considering writing to Lloyds to try to reclaim bank charges dating back 6 years on a current account i have now closed with them. I have researched alot on the forums and of course since the 2009 ruling, gernerally payouts are only to someone in hardship. I have been through all bank accounts statments and highlighted, totalled the charges and now had=ve to draft up a letter stating my hardship and reasons why i think i shoud be reimbursed. With regard to hardship, i have not been made redundant, been terminally ill or anything like that but felt the c
  4. Just read this thread and was hoping for the final outcome too. Did you get an increase in your negotiations?
  5. Hi there, I was in a very similar situation with this company too. I took the loan of £200 in December, couldn't pay and they insisted the only thing i could do was pay over 12 months. £80pcm. That was £900!!!! My head was stuck in the sand and i was so stressed with debt i agreed. I paid 5 months and then asked for a reduction in payment. The guy on the phone told me at the beginning of the conversation he couldn't reduce the monthly payment. By the end of a 20 min conv, my payments had been reduced to £40. Luckily, i had some help off a family member to pay the debt. When
  6. Also, i am goin to try to reclaim the charges from my current account and my credit card account. SHould i merge these two claim and make them one or calculate my claims and claim and write seperately for them?
  7. Hi there, Jhaven't poslted for while as have not yet got round to writing to Lloyds since they sent all statements from my credit card andc urrent account. I am going to be claiming purely for a refund of bank charges, overdraft additional charges and have come to a halt as to what to do next due to the time lapse. I've read back through this thread to refresh my memory, and thanks for the advice so far IMS. However, just looking for some further advice. Do i have to go through all of the 6 years accounts and simply write a "list" stating the transactions that incurred charg
  8. Hi there, I've not been on the site for a while but have made some progress with the payday loan nightmoare. It hasn't been the outcome i had expected yet i am hoping by letting you guys know my experiences with various companies, it may help others to deal with them too. Payday Express. Wrote and emailed this horrible company many times to try to negotiate a repayment plan and asking that they communicate with me via email. I explained to them i had financial difficulties due to a loss of income. They continued to call me more than 10 times per day, leave messages, sending va
  9. Hi loz in sorry i can't shed anymore light on most of the companies, we are only in debt to two of the same. Similarly to you, pay day UK have accepted an arrangement from me. I am having the same problem with pay day express. Numerous calls despite the harassment letter, standard emails rather than responses to my own etc. I just wanted you to know that you are not on your own and if i make any process with pay day express, then i will certainly post on here. Good luck
  10. Thx Jon, i called them and was told they don't have a record of my correspondence. Will give me the good will of letting me half my monthly payment but of amuse it will take double the term of repayments. They pay i owe 560 yet if i pay 260 today this will close the loan. All my concern is the door step callers and the notice on my credit report. Did they put one on urs?
  11. Will post a more detailed update later today on my call from the bank and pdls. Any one got a suggestion what i can quickly email back here. Tooth fairy. Have send them emails and recorded delivery letter to them asking to accept a payment plan and to explain their numerous costs, listed in my first post. Have a email this morning from Marshall etc threatening door step callers and extra costs unless i pay full amount today. Any advice would be would appreciated, so worried about this one
  12. Thx rene. Any advice anyone with regard to a response to phone calls and refusal to negotiate by email?
  13. Hi thre. Ok so email off to VBarclays last night and await their response. It's payday today and although there is no money in the account they have details for, am worried that they will try other accounts now! I have had a response to my payment plan request from one pdl customer service dept stating that they have passed on my email to collections yet they will not arrange a repayment plan any way than over the phone! Why pass my email on i ask. Any advice on what to email them back to pursuade them to communicate via email? I am also sure that i will receive some phone call
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