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About UrUncleGripper

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  1. Two cards in total for the missus and I, both seperate accounts. One was defaulted on at the turn of the year so lets call it Dec 2014 and the other Oct 2013
  2. G'day Cagger's I need a bit of advice on what possibly I could claim for under BCOBS. Naturally I'm skinter than Flint and can prove this no problem with a budget planner and panoramic shots of a really cross looking wife. I have a few questions, I have a credit card with Santander that I defaulted on a few months back. Naturally Santander sold the debt on to some other sharks called Arden who have now sold the debt onto Wescots who will probably sell the debt onto their neighbours vicious looking dog as she'd probably have more chance of getting any money
  3. Hey Slick, Yeah I sure understand where you're coming from. I spent most of last night reading into the early hours of the morning with the topic being - Reclaiming charges from banks. I spent yonks trawling through MSE posts, LeagleBeagles and others and came to the conclusion that this is not an exact science. I am at the mercy of the banks for now, that's OK I can deal with that. My letter went off today so I await with eager anticipation for what will likely be the defacto initial reply - a slap in the face as a goodwill measure. It's no problem though, the best I can do for now is
  4. I understand what you're saying Slick but this whole thing is rather confusing. I have actually taken time to read the lending code, especially section 9 and it is here that my bank has seriously failed me. I remained in contact with my bank during the period that I am claiming for explaining that I was in financial trouble but they did nothing about it aside from smacking more charges on me, this is contrary to the lending code and the only real foundation for my case against them. However having read https://en.wikipedia.org/wiki/Office_of_Fair_Trading_v_Abbey_National_plc which preceed
  5. Quick update. Hardship letter drafted and ready to go. I've enclosed schedules of all charges on seperate sheets with the 8% interest taken from the CAG provided excel sheets (amended to remove any reference to PPI). I've claimed for, All Additions charges from beginning Overdraft interest from date of FD Paid referrel fees from beginning Reserve usuage fees from date of FD Emergency borrowing fees from date of FD Overdraft fees from date of FD I showed this thread to a friend of mine last night who is a barrister (criminal law unfortunately) and he at least offe
  6. Hi Slick or any member of the CAG forum, I need some advice on gaining access to an excel sheet which I don't have the priviledge to link to I believe that is the advanced spreadsheet link taken from the Interest Tutorial in your sig. I'm trying to work out how this interest malarky works and kinda have a fair understanding of it but would love to have a few excel formula's to help speed things up a little. Cheers
  7. No I'm only messing mate Just wanted to know if I could add any interest to those pesky charges at Wongaesque rates
  8. Intestesting that link from the DM. Well done to Foster Burnell. Does anyone know what the outcome of the ruling was? So I've completed my banking spreadsheet and it makes for 18 rated viewing. The figures below are appx has I have missing statements, Additions charges £2000 Overdraft interest £1500 Paid referrel fee £560 Item returned unpaid fee £150 Reserve usage fee £2000 Guaranteed transaction fee £50 Returned transaction fee £150 Unpaid transaction fee £ 50 Emergency borrowing fee £400 Overdraft fees £700 All in all pretty shameful reading. Le
  9. Slick, According to this speadsheet of mine I've been consistently overdrawn and living in the reserves for around 5 years. It's a rather stand out point in time as before then my fininaces were pretty good. I do recall at that point trying to seek help in arranging a larger overdraft so my bank were definitely aware that I was struggling to make ends meet. Ok so the first thing that I'm going to do is fill out that budget planner and attach it to hardship letter and get that off to the bank. I'll do this first thing and then carry on with logging banking charges. Cheers!
  10. Ahh you're dead right good sir. And yes again I have no plan to go belly up or self combust just yet (self loath maybe but it'll pass)
  11. OK so here goes Can't pay for necessities - YES, I've had to go on an interest only mortage and have payments plans for some utilitiesas I couldn't afford them every monthCan't pay debts - YES, I defaulted on a CC last year and now can't/won't pay the fake bailliffs (Thank you CAG)! Income eaten by charges - NOT SURE, I'm currently living in my reserve with no income and the £100/month charges are suffocating any small amounts of borrowed money that I put in there. Payments regularly returned - YES, my last mortgage payment just got returned.. Substantial drop in income - YES, along wi
  12. DSAR for 6 six years is not too bad, fortunately the older statements that are missing are from a period when my account was in credit. Ahh the good days Muchos gracias, I really appreciate it!
  13. Afternoon, I've been in a bit of a spot recently, lost my job, had to re-arrange my mortage to interest only or risk losing my house, defaulted on my one credit card, missing paying bills every month, I think you guys get the picture but the last year or so has been financial hell for me. My credit report is a sea of red Anyway I'll concentrate just on the Barclays account here. I've had an account with Barclays for around 20-25 years and I have most of the statements which I've started to dump info from into an Excel spreadsheet. I have a question if anyone would be so kind as to
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