right here goes

1st one arrearsa/letter charge

2ndone sundry fee debit

3rd one arrears letter charge

4th one legal costs

5th one arrars collections

6th one arrears fee

7th one sundry fee DR/CR

8th one sealing fee

now do you see why im confused!!

yes but im talikng about mortgage fees like for example late payment fees and loads of other terms that im not sure i can claim for

sorry gotta start a new thread as dont know where old one is right firstly need to know can i claim back all my charges back off the alliance or are there ones which i cant claim for if yes which ones as the statement is very confusing

i think no dont quote me on this but i would accept that payment but still pursue them for the rest as there only refunding what the oft told them to do.Don not accept it as final payment it is illegal to charge that much and they know it but it is up to you they could still stop the credit card so be prepared can you not change cards.Also there not allowed to enter a default against you for illegal charges so id remind them of that be tough with them act like you mean business even if you dont hope it helps xxKia

thanks will try and see xxKia

does anone know if i get court fees paid on disability benifit or does it have to be bigger benifits?

oh lula

they were absolute swines with us over our overdraft a few years ago they decieded to just withdraw our overdraft over night and said were taking back our £750 just like thaty and when i said could we pay it back over a period of time they grudingly agreed if only i knew then what i know now ggrrr!!!we should have switched then i suppose but we stupidly stayed with them.Not only that they put a bad credit mark against us just for that theyd make a saint swear!!

good advice lula as my heads set to explode as well as my printer with overuse but never go by there timetable lesson one stick to your timescale then you stay in control

theyll try all sorts of tricks and underhand tactics to throw you off course the latest [problem] is to refund you a set amount and call it a goodwill gesture but do not be fooled it all a ploy set to confuse you but welcome none the less xxKia

hiya still waiting for the alliance and leicester to get my mortgage statements back to me the cheeky lot only sent our old current account statements not our mortgage statements they probably hoped wed forgotten about those no such luck i dont forget anything

think needs new cartridges been used too much of late with spreadsheets etc but will do that failing cartridge refill suzxxxkia

anyone got any advice on a printer thats decieded to go on strike and right when ive got three millon things to print up dohh!!!will have to wait till fixed damn it

sounds a little complicated espicially if your struggling with spreadsheet you need someone computer savvy like me bruv but well try and help you me printer decieded now its gone on holiday as well great stuff!!!so cant print anything yet also not checked out whether i can get away with no court fees as on benefits nowing my luck itll probably be a no i forgot all about it dohh!!

im going for full amounts toonot just the £12 thats an insult

dont know now whether should send another letter or not messed up spreadsheet so have redone it but dont know what to do know

oh dear what are abbey up to pt2 they sent me a second statement today for august 2006 but its only for one day and no charges on it crazy or what there losing the plot big style what next half a day statement

tell me about it ive been on it two months and its still a mystery lol

suz have brought your thread back up so give us your updates me old mate

right will bring you up to date have redrafted spreadsheet because have made complete mess of it and it was two hours well spent as id doubled alot of the entries so time well spent so now print ot out and write another letter to them know it slows things done but dont want them saying i did the spreadsheet wrong or asking where i got my amounts from so will do that tommorrow

oh ive yet to find that out to much nattering me thinks

er excuse me not sure about little comment karny about me being impatient true though and i do jump in to quickly i concede.firstly i think you need to do seperate threads on the specific site for each credit card secondly dont be intimidated by scare tactics there trying to make you accept it by scaring you stick to timescale and carry on with case hope this helps becky

the answer to this is probably obvious but i need to know can i claim for monthly od charge i looked in faqs but it mentioned 5,10,15 pound charges and i was charged £25 per month it seemed excessive to me can i any help appreciated xxKia

deciede to go with original amount (on hubbys advice) and let them take it off later looks better amount on claim form and makes them look worse

good on yer girl fighting spirit thatll show em just go with estimated amount and send off your first letter old chum xxxKia