hi just started reading some of your threads.Im now unsure what to do.Im still waiting missing statements do i keep waiting or force the issue and ive already estimated some of the charges

thanks for guiadance ill wait abit and make enquires about changing provider only thing is weve not being that good a payers i wonder why?

going away on monday too and things are abit up in the air for me as well.Ddidnt get any reply to my subject access request thingy so im going to try a phone call before going to court dont really want to do that but will have to if they dont help this time

ive opened a nat west account only one with an electron card so just awaiting cards coming now so ta for that.Should we close abbey account now or wait to see what theyll do.Mind you we have probably got more charges going out this month so not sure

so are you saying i shouldnt try to claim back charges from my current mortgage provider. Why will they try and close us done

where is other institutions cant find it

does anyone know how i go about getting mortgage charges back.Does this work the same way or what starting with data pro letter

i tried to do what someone suggested about going into the branch only to be greeted by a blank look and a sorry cant help you.go away and dont bother us sort of thing

which address is best to get a reply to my prelim approach letter or doesnt it matter as no of them matter

remind me again what i was asking for i only needed an account for hubbys wages with debit card. youve totally baffled me with your comments

ta very much i thought wed have problems but theres loads

have tried to open an account with first direct but failed as already have bad credit history probably because of charges! can anyone advise an account to open as were begining to panic in case they close our account.hubby needs an account for wagesetc as we all do

i too am in the really early stages so all your comments help me too. i need to know about the missing atatements they not sent yet. do i estimate them or wait

do i add the interest charges on the first letter as im all bambuzzled with all the info in the faq and i know its probably in there but please help as im frazzled

does anyone know how i would get hold of an account number and sort code as i threw it all away about three years ago. this is probably a stupid request with a fairly obvious answer

ok thanks to all of yers

sorry forgot that bit.sent first letter about two months ago but have since relised that letter was wrong as hadnt included charges from statements i hadnt got.so about 1 week ago sent another letter without reading faq as had problems registering and wasnt sure how to sort them so thought i would proceed on my own. after reading the faq now have relised i have made the following mistakes 1 didnt include list of charges 2 added interest on but didnt tell them i had 3 didnt send it recorded delivery.do i start again and forget other letters

i just signed up too and feel totally out of my depth too. that doesnt mean ill not carry on though. grabby WILL pay me my money back so i keep fighting

just do it my way. have just sent off second letter only relised after reading faq.that ive done it completly wrong. should i start again or what. have also just relised that emails arent like texts doh! people dont always answer immediatly. ill have to learn more patience if im going to win this battle!

sent first letter to the abbey and awaiting reply do i send second letter to them or what. Incidently they only senty some of the starements to my repeated requests at least eighteen months were missing maybe more

sent first letter to bank and am waiting for reply can anyone tell me do i send a second letter next or go straight to county court

hi ive never done this before so im nervous about it so any help would be much appreciated