I have recently noticed , that barclaycard used to allow you to go over your credit card limit by a small amount say £50..... this would obviously trigger a charge of £20 now £12.... they now do not allow payments to go over limit..... does this not prove they have always been able to do this and that by allowing people to just go over has made them billions.... I am personally glad that I am not allowed to go over limit.... this for me is responsible lending and will save consumers billions....anyone else noticed this....

i would add to letter about default and can they send you the issued default and can they remove from credit file until cca is provided....

ask them for copy of cca as they need this to issue default.....

hi bank fodder / surly bonds what is the big news ....... we have waited long enough

this is the most amazing thread , this could make a great film ... the part where dayglo said he was dropping case and then took up the challenge was reminiscent of (russel crowe) in gladiator not wanting to go out in to the arena only to realise his new friends would die without his help...... A few died along the way but from a few things I have read recently.... (bank fodder) this by no means is the end of this battle.... I just hope dayglo unlike russel crowe has the oppurtunity to see what his efforts have created.... a better rome in the end....... with the risk of sounding obvious they won the battle on this one but we will definitly win the war.... we might not see the benefits of our efforts as 6 years may well be up.... but our kids will.......

hi guys I was in similar position with a large media company.... (not had sex ever) they put default on my account spoke to ceo office over a long time kept requesting cca , got a call this week saying we havent got a leg to stand on and the default will be removed not saying too much...until it is done.... but chase the cca route as they believe defaults cant/shoudnt be recorded if the debt cant be.....

Hi what do people think about challenging the validity of credit reference agencies as it appears these are the institutions making all our lives miserable... they are not goverment bodies as they are profit making..... is there anything we can do about them.... strength in numbers etc

I took longer than 21 days but the offer was never formally withdrawn !! 3rd of october was verbal offer which I rejected 31st of october by post formal offer, received 7th nov ish 17th december by post accepted offer.... what do you think as the offer was never withdrawn.. when we got to court I expected to discuss terms of the offer but the judge siad because i rejeced it, it no longer stood....

loan agreement number court case no person at welcome you are dealing with... I will compile excel sheet and if anyone needs it they can pm me. cheers please send details by pm not on thread...

I have recently been to court due to a split from ex... for property equity...very long and complex situation... her solicitor before previous hearing made me a verbal without prejudice offer that I buy her out for x amount £. I refused the offer and we proceeded. The hearing was adjourned and changed to a different date. prior to this date she made the same offer by letter was not without prejudice, I accepted by post prior to new court date... my ex decided the offer no longer was on the table the judge said because I rejected offer previously the offer no longer stood????? he seemed very anti me from the beginning and I need advice as to wether the offer has been reinstated and I should contest that he said the offer no longer existed. I now have to pay substantialy more and I feel having accepted previous offer that is all I should have to pay???? any help would be appreciated from the legal eagles out there????

I am in same boat my loan is finished and I contacted fso who do not have jurisdiction. I will be filing n1 at court but I believe we need a list of complainants with case ref numbers and details so we can use each other as witnesses o the no insurance no loan that these bas**rds use.... Please pm me details and i will compile list

Hi mccuth I sent a wasted costs order to court against barclaycard and they asked me for a £75 fee ... is this correct I thought this was free to do wasted costs?????

hi I am in similar position in liverpool... where is yours?

hi afraid not it is harder second time especially with cases being stayed by courts follow the same guidelines and timing as before... I would use fso instead of court for now...

letter to a& l first about retaliatory closure then same to fso asking to investigate closure....

JUst for people to take inspiration from I successfully claimed my charges back from a&l for £230 or so and they closed my account .... this was last year... I asked them for compensation for closing my account which I had only had for 6 months or so... and they said no... I chased through FOS and last week received cheque for £200 with there sincere apologies...

do you have contact number.... also dont take them for their word check cra's and make sure....

Hi Ian (reidnet) would you consider creating a letter to the FSO that we could add our names and account numbers too... for us to try and see what we can do against welcome finance... I think you have the most experience and would put together a great letter against these scumbags... maybe after letter from fso threatening them with revoke to their credit license will they listen to the many on here... The company is a joke and we need to use strength in numbers against them... what do you think I am sure you would get lots of PM's with customers names and account numbers to begin the process... I feel this site can be used in a much more pro active way... while we all fight our own individual battles and get great support from this site, I feel we can do so much more to protect future customers of the likes of welcome. we all too easily bury our head in the sand and say shame but I hope it doesnt happen to me... you have been extremely helpful with so many cases and I apologise for putting this request to you but maybe when you get time !!!!

send them a request for your consumer credit agreement look in templates for letter ... put loan numbers on requests... once back calculate PPI and go for the lot....

if it is welcomes word against ours , then we should all come together and show FOS that it is no coincidence they have done it to so many.... maybe list of names with agreement numbers or something similar sent to fos as a blanket for them to investigate welcomes practices.... reidnet would be my choice or hell has no fury!!!!

I have already claimed full amount from them.... but have since had quite a few £12 charges.... can we try and claim these back is what I mean

Has anyone successfully claimed back charges since £12 was introduced. already had refund but they say they will not be refunding any £12 charges

even after speaking to liverpool court who told us all to appear , we did and they stayed all cases pending oft case.... removal of stays paperwork on way to court.... do we have a good template

case against hsbc to be heard in liverpool county court tomorrow in afternoon... just called court and they said to turn up for a positive response... they have received no stay applications...

which bank is it with..... It seems banks are realising some of there mistakes and PPI is one of them I would also ask for a copy of your consumer credit agreement, this will really help when claiming back PPI...