I will get the details posted asap - we have appealed - we assumed they'd be reasonable but they haven't and rejected the appeals. I'll post all shortly but in the meantime thank you for all the re-assurance

it's operated by indigo - thank you

Hi Between myself and my partner we've had 5 parking notices from a problem with a railway car park. In all cases we have paid a fee using the app but a couple of problems: 1. Due to poor internet connectivity and busy trains we were unable to pay whilst on the train - we got to work to try there but after distractions forgot to pay BUT paid on the day and before we returned to the car. However due to the way the app works it charged the off peak rate and wouldnt allow a backdated payment on that day - we even phoned but they said couldn't be done - but we made sure we paid. Every other day we use it (3-4 per week) we have a good history of paying the right amount 2. My partner paid a fee on the app but selected the wrong vehicle So a combination of user error - and poorly designed system we couldnt / didnt pay the correct fee - the difference is appx 70p My partner has appealed to her 2 because they were for the wrong car so her car didnt have a valid ticket - my car was at home - but they got their fee on the day On the ticket machine the fee is £4.00 on the day - we paid £3.70 on the app - both facing fines of £100 each - escalating to £170. I'll post all the details here shortly using the questions but what are my options? I've read up on Byelaw 14 - no real financial loss - and were prepared to go to court as the difference in what we paid and what was due is minimal. I also had another fine for my car on the same day as my partner. I have proof I paid (which I've now sent them) and my partner also paid (it's one of the tickets described above) because she used the default car on the app. So even though 2 x tickets I still got a fine and intend to use that in defence of the other fines that their system is flawed. If we had failed to pay I would have fewer issues but we did our best on a system designed to trap you Advice greatly appreciated

That's great - thank you

Hi No we didn't they sent him round as we were trying to sort out a catch up plan. Any thoughts on whether I can make a claim against the 'additional interest' charges?

Brill I've just prepared a letter for statements. I've dug out some going back to 2011 as a start but I dont have them all. Looking at what I have got there are entries for: Admin fee: £40 Additional Interest: various amounts over £25 Direct Debit Recall: £25 Additional Interest SI: various amounts around £10 Debt counselling: between £50 and £90 I've started adding the admin fees to the spreadsheet. What charges can I consider to claim back? Are all of these valid? Thanks for prompt responses.

Hi We've had a second mortgage with GE Money which has now come to the end of it's term. However - we've struggled to keep up with the payments - gone into arrears and then caught up. We've had in the past councillor visits which we didnt ask for (and were a waste of time as they are not true counsellors) - had some legal threats which we've recovered from. Now though, although the loan is at it's end the fees they've added on and interest etc now means we owe them about £5k on an original £15k loan over 10 years. which we are paying back at £200 per month. For each month we were in arrears they charged us £40. Plus interest so if we took 2-3 months to recover it soon added up. Now we are in a difficult position and face another 2 years of repayments. 1. Can I reclaim/get them to write off the fees charged 2. reclaim/get them to write off the additional interest. How do I go about this? What is the legal position of them pursuing a claim against us for the current outstanding balance? Can we simply refuse to pay? Especially as we have fulfilled the payments on the original loan. We also have another loan with them which has about 2 years to go and our main mortgage with halifax with about 5 years to go - both have had fees imposed. Any help appreciated as this is a major drain on us Thanks

Hi My wife and I have got behind on our credit cards with Capital One and we have now defaulted and off to a debt collector. In the past there was a lot of chatter about claiming back credit card charges and I know the courts have ruled against bank charge claims saying they are fair ish Is it possible for me to pursue a reclaim of credit card charges against Capital One, even though they will say their fees are low and reasonable and can I attempt to claim them all back. If I can then I'll start reading and getting my debt paid off with the charges they owe me! Ta

Hi all, Without going through all the ins and outs I've recently fallen foulf of my gas supplier - (estimated readings etc etc) and have a bill of £800. They've installed a prepay meter and were paying back an agreed amount each week which seems normal practice. What is annoying me about this arrangement is the current rate for the gas supply which appears to be much hgher than "normal" customers. Surely there must be some legislation or similar that should stop a company discriminating against it's customers in this way. I am a trapped customer. I'm assuming I can t switch supplier whilst I owe this company so i'm stuck with them. They insist on a prepay, no choice for me. They get the money up front and the debt prepaid without any further managment by them so why should the gas rate be much higher. Is there an ombusdman or OFT I can take this up with

Ok, I'll give it a go. Nothing ventured nothing gained I suppose! Thanks

Hi I have 3 defaults I'm looking to try and get removed and wonder how I stand. 2 relate to O2 (2 x contracts) and were noted on my credit file over a year ago. The accounts have been paid and noted as settled. However I still have these contracts and still continue to pay my monthly amounts - I even got a new phone on one of them a few months back. How do I stand in getting these removed to at least show the current payment history? The other is very similar. It's a long standing credit acct. I've been paying regularly per the statement. The default again was over a year ago but not in trouble since. The credit file entry shows the default and the current balance. Any advice appreciated Thanks Wicket

I've just got off the phone to barclaycard and was told something I don't quite believe... I was told that not only do they share information about me to CRAs but they also receive an updated credit score each and every month from the CRA. Now, I know they will do this when I apply but I'm very certain I did not give them permission to continue to do so each month. Surely this is a breach of my rights under the DPA? They're going to send a copy of the terms and conditions. This can't be right can it? This has made my mind up to now claim my charges off them too. She also explained that I can request my statements under the DPA but they only need to supply them back to May 2004 - if I want more I have to pay more for them.....surely that's wrong too? Hop Mad Hop MAd Hop mAD!:mad: Going to start a seperate thread for this claim. I really am getting completely p(*&^d off with financial gangsters now

Congratulations Ruthie..... Yipee all round!

Keep going - your about 5 days behind me in terms of date acknowledged. Not had a letter yet - just the all important cash in the bank - I'm so happy I could fly! Was really really anxious - yours will come - definately - keep checking bank account

YYYYYYEEEEEESSSSSSSS! Get in there, have some of that. So excited my heads just gone bang....over the moon.... Money in the bank....ALL RIGHTY THEN!!! :)

YYYYYYEEEEEESSSSSSSS! Get in there, have some of that. So excited my heads just gone bang....over the moon.... Money in the bank....ALL RIGHTY THEN!!! :)

nothing in the post today - anything with yours beanie?? Does anyone know when halifax last settled a claim?

Nothing in the post today When was the last claim settled by Halifax?????

I had the same impression, most seemed to be settling within 7 days so to say I've been getting a little anxious is an understatement. There are a couple more out there on the same timeline, again not yet settled, so as you say were not alone....just hope it's not a change in tact from hx. See off I go again - where's my finger nails gone? good luck....going back to my corner now

Hi Beanie, Your on a similar timescale to mine. My MCOL ack on 13 October. I've not heard anything yet and nothing in to days post My fingers have been crossed for so long it's starting to hurt now

Hi Dayglo. I can't do a blow by blow like Tink but this bit tickled me... So basically theire whole of sharing data is based on tha fact they don't need your permission as to be honest guv were doing you a right favour by sharing your data - look at all the lovely things you can get (Not)! Oh, and by the way m'lord. if we don't share anything how can we tell who the rotten apples are - See if we played by the rules and didn't share duff info that were weren't meant to in the first place everyone would be getting the best interest rates - yep mlord we realise our system is corrupt but we can't think of another way to it legitimately - we've been doing it for years now, everybody does it! What mlord - show where in the DPA we don't need his agreement and it says we can if it's doing him a favour??? hmmmmm If that's the case on the flip side why don't the share with everyone how much money you have invested with a bank - think of all the favours they'll be doing you as competitors flock to your doors with better products than theirs

:DThanks ruthie....must learn to be patient - I still ask are we there yet in a car journey and count the days to Christmas!

priceless!! you cheeky boy!

when you did Mcol did you send Halifax another schedule? wobble, wobble, wobble! :o Nothing in the post today either. Perhaps they've had a bumper number of claims that day!!

any thoughts on the schedules anyone?