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Tigs33

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Everything posted by Tigs33

  1. lol Bookworm you do not want to know the problems I have had with the Co-op lol Well I phoned them on 30th asking for my refund, got them to email confirmation to me, they said it would take 2-5 working days, told them I was unhappy with that but agreed. So today we check our account still no refund. So I phone them back, first to be told that the refund had been done on the 30th, I said it hadn't reached my account and that I wanted to speak to a manager, got through to the credit control department who told me as they had to manually process the original order, when their computer system came to do the refund it rejected it and didn't process the refund (they needed the issue number on the card) but they have NO internal system in place to pick this up, so it is left to the customer to phone them and complain that they haven't had a refund. To say I was unhappy was an understatement. So she processed the refund whilst I was on the phone. I requested that a manager phone me back (I said within 30 mins, that was at 9.10am, got a phone call at 4.20pm) from a manager who seemed as disappointed with the lack of internal systems as I was, I am glad he seemed to be genuinely interested to put things right which helped a lot. He is going to phone me back on Friday at 10am to let me know that the refund has definitely been sent and also give me a code I can phone my bank and check that it is going through my banks system. I also mentioned that I have had to phone them 5 times now, waiting on average 15 mins to be put through to speak to somebody and it has cost me my phone bill, he said that once the refund was sorted out that would be something he would look into.....we shall see....
  2. Go the to the Citizens Advice Bureau, they can sort out with you details of your income and expenditure and see how much you can afford to repay your debts, they will also give you template letters to send to all of your creditors asking to freeze any interest and make arrangements to repay the debts. Good luck.
  3. Me too, received the defence and 50% offer and I am sending back the AQ soon
  4. Hi Arron, You might get an offer after you send the LBA but we had to issue a court claim to get the full amount, it was fairly straight forward though. Good luck
  5. Tigs33

    intrest

    The daily interest rate is .00022 x amount of claim (before costs and interest) presuming you are claiming the 8% rate?
  6. Hi, First of all to make you pay the debt off they would have to take you to court, IF you said to the court that you are willing to come to some payment plan then the chances are that the courts would go with this rather than make you bankrupt. No court wants to see you lose anything you have over a 10K credit card debt. If in doubt seek the advice of the Citizens Advice Bureau. Good luck
  7. Hi, I presume you have sent your LBA off to them? I had a letter the start of the week offering half of my claim, I have rejected this and am still going for the full amount. If you have sent your LBA off then it won't be long until you issue court proceedings, depending on the amount you are claiming (if anything like me £675) then after receiving the court papers they might settle the claim fairly quickly.
  8. Well I think Abbey are very similar by the sounds of it, we only got the offer after we filed the claim online. Thanks for your advice and good luck in getting your money
  9. Is this one better lol ------------------------------------ JUST GIVE ME MY MONEY BACK!!!!!!!!!!!!!!!!!!!!!!!!! _______________________________ Thank you for your letter dated 27th August 2006. I note your comments regarding your attempted justification of your charges, however I still disagree. £30 for clearing a transaction which, for you, is mainly an automated process and requires very little manual intervention is excessive in the extreme, and in my opinion does not reflect the banks costs for this action. I will accept your offer of £300 as PART payment ONLY and I will continue to pursue you for the remaining of my claim which totals £675. Failure to refund these charges to me IN FULL by 4th September 2006 will leave me with no alternative than to pursue my whole claim, including interest, through the courts.
  10. ok ok, I get your drift I will change that bit!!! lol, mind you that was the letter I sent to HSBC and they paid up perhaps I frightened them a bit!!! lol
  11. how about this ___________________ Thank you for your letter dated 27th August 2006. I note your comments regarding your attempted justification of your charges, however I do still disagree. £30 for clearing a transaction which, for you, is an automated process and requires no manual intervention is excessive in the extreme, and does not reflect the banks costs for this action. I will accept your offer of £300 as PART payment ONLY and I will continue to pursue you for the remaining of my claim which totals £675. Failure to refund these charges to me IN FULL by 4th September 2006 will leave me with no alternative than to pursue my whole claim, including interest, through the courts.
  12. lol yes I am getting more aggressive with each claim!!! hahaha perhaps I will tone it down a bit!!
  13. Letter to be sent to Barclays tomorrow ______________________________________________________ Thank you for your letter dated 27th August 2006. I note your comments regarding your attempted justification of your charges. £30 for clearing a transaction which, for you, is an automated process and requires no manual intervention is excessive in the extreme, and does not reflect the banks costs for this action. Just because they are listed in your terms and conditions does not make them lawful. I would be more than happy to go to court, in order to find out how you justify your charges. I will accept your offer of £300 as PART payment ONLY and I will continue to pursue you for the remaining of my claim which totals £675. Failure to refund these charges to me IN FULL by 4th September 2006 will leave me with no alternative than to pursue my whole claim, including interest, through the courts
  14. Hi Rach guess who I will send you letter Data Protection Act letter in a min
  15. That article is a bit old isn't it June 2006 ???
  16. Hi and welcome, best to start a thread in the Natwest section. Christ £16,000 is a lot, does that include the 8% court interest or is that all charges? You can split your claim but you must have a break in the claims. Or you can fasttrack the whole lot.
  17. Hi and welcome, it is a good site here.
  18. Well they could close your account and be difficult about your overdraft, good luck though I have had two payout from HSBC and they are fairly easy to deal with. Don't forget you can get your bank statements online for the past 6 years if you have internet banking.
  19. Hi and welcome. Don't forget you can start your own thread in the bank of scotland section to keep track of your claim. Good luck
  20. Hi and welcome, Yes this site is fantastic, without it I would never have claimed my charges back Have a good read, don't forget to read the FAQs and if in doubt just ask. Good luck
  21. Dont forget if you are on benefits you can ask the bank for money to pay for food, rent/mortgage etc. I think you will need to search for "letter of appropriation"
  22. Offer received today for £300 so that will be a thanks but no thanks!!! lol
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