Thanks - how do i proceed with BCOBS then - i have all documentation - do i just send back to bank with charges highlighted? is their a letter template?

Dear all I have received the informartion from Halifax on all charges on my current account and now need to know how to progress. Do I just highlight these and send to the bank or FOS? Do you have a letter template I can use? I am a single mother who works but have experienced payday loans excess charges and thus causing fees on my account and also passing to other companies who have taken too much. I am in serious debt and although work am making it hard to make ends meet. Halifax have refused to help me with any charges apart from cancelling these for 3 months but I want to claim back precvious charges. Please help - thanks so much

do you have a contact for rob sands? so should i write to the fos and oft now with the threats and mr lender issues?

I have had threats from doorstep collection from mmf. Is this allowed? Do I complain to mr l or ombudsman and if the latter will this be actioned urgently to stop mmf? I'm really worried!

They are stil demanding me to send them my income and expenditure do I have to provide this?

So should i completely ignore or pursue with my original offering which is detailed below: Thanks for your email. I have been chasing for weeks butkeep getting conflicting information. I have detailed below my expenditure asyou will see I do not have £112 available to pay but am keen to come to anagreement Many thanks for your email Please can you advised if the amount below is including any feesas I am aware I do not need to pay these. Therefore please can you advise amount excluding anyinterest and fees asap so I can agree this. Due to financial issues beyond my control Iwill pay £35 per month onthe 23rd of each month starting from the 23rd Februaryuntil the true figure is paid (please can you confirm this figure as the oneabove includes interest) I would ask that you confirm in detail the amount owed and details ofwhere to pay. This can be your bank details. I also direct you to thefollowing for consideration before responding to me: · You cannot force me to pay more than I can comfortably afford eachmonth. IFT Debt Management Guidance 2003 section 2.6f · If I make a reduced payment, you cannotrefuse it OFT Debt Management Guidance 2003 section 2.6F · You cannot add charges as a penalty for non payment other than to coverthe real costs of collections activity OFT debt management guidance 2003section 2.10d · Proposed offer of repayment£35/month – pending confirmed amount excluding interest and fees as above · Payment date andfrequency each month23rd of each month – starting February 23rd · Payment method (DebitCard or Standing Order) – standing order to you please details of where to pay, your sort code and account number.

I have lots of debt i am trying hard to clear and am setting up repayment plans where I can. I am really struggling and need any help advice please, i have payday loans and credit cards. i have approached lending stream and had the below response. I offered them a payment of £15 month and this is the response ...... Youraccount has been passed over to myself for further review. Thank you for youremail outlining your income & expenditure form. My name isMichael and I work in the repayment plan department at Mr Lender. My role is toprovide advice and support to our customers who may be experiencing financialhardship. We would like to work with you in order to alleviate some of thepressures you may be experiencing as a result of your current financialsituation. We understand you may be in financial difficulty and we would liketo put you in a repayment plan to make things easier for you. Youroutstanding balance is £836.00 We wanted to offer you the followingadditional help in order to close your account with us. Wewanted to offer you the following option: Place youin a repayment plan for your balance of £836.00. This will mean you willnot be paying off the interest but actually paying off your outstandingbalance. We will therefore freeze your balance and stop any further charges orinterest from being added. We would like to offer you a repayment plan oversix months for £139.33 per month. If £139.33 is too much, you will need tocomplete and return the following: · Attachedincome & expenditure form (we understand you have already detailed it inyour email but if you can fill out our own one that would be great) · Twomonths wage slips including most recent showing salary · Documentationstating you have other outstanding debt-Please provide the following officialdocumentation: Barclycard, Capital One and Mercers will suffice .Two months bank statements including most recent one Pleasesee the repayment plan options below: Ninemonths – £92.89 Tenmonths – £83.60 Elevenmonths – £76.00 If theabove is still not manageable please complete the attached income &expenditure form along with your offer of payment. Once received and reviewed,we shall then be in contact with you regarding an outcome. In order for us toset up your repayment plan and freeze your account you will need to make yourfirst payment today. If this is not possible, we would accept a small tokenpayment to set up your repayment plan. We are unable to set up your repaymentplan without taking a payment. On whatdate would you like to make your other payments and please confirm we have yourcorrect card details ending in ? If you have a new card please fill in thebelow: 16 digitcard no: Startdate: Expirydate: Last 3digits on back of card: Alternativelyyou can pay by bank transfer. Please find our bank details below. When makingpayment please provide your reference number: Bank:Barclays Accountno: 23824616 Sortcode: 20 95 61 Referenceno: Onceyour account is closed it will be marked in a positive manner and may make iteasier for you to obtain future credit. As soon aswe receive your response we shall either arrange for your repayment plan to beset up or we will be in contact after we have reviewed your income & expenditure.Please be advised payment would need to be made today in order for us to actionthis. Alternatively we can pass your account to our preferredfinancial solutions specialists. They will look to do the following to help you: · They will wipeyour debt of £836.00 completely clean to Zero andclose your account with Mr Lender · They will stop your account from beingsold to a debt collection agency called Motormile Finance for doorstepcollection · They will put a stop to Mr Lender contacting youvia phone, text and email · They will provide you with further supportwith your other creditors They work with our customers who are in financialdifficulty and ultimately will save you money Pleasealso see the link below where you will find a number of free debt counsellingorganisations who can help you. We waityour response.

thank you for sharing this - can you send me the email template you used as i am in the same positon as you and long for the feeling of freedom you mention in your last post. how did you get the email address and let me know what you said please?

i am having the same issue- do you have a letter template you used as would like to know what to send

wow - so pleased for you. I am having exactly the same issue, as well as because I cannot clear overdraft they will not offer me new account details and sort code so I had several consecutive months of random companies taking money and thus spiralling into debt. These companies were not authorised but Halifax havent helped me and now I need to clear the overdraft as cannot afford the fees plus cant risk more associated companies taking money I do not authorise. I am in so much debt being a single working mum and cant pay all my debts so need help on that if anyone else can and how to sort Halifax to help me. Could you detail what you wrote in the email and how you got the email address as I desperately need to do the same. Not slept for days