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rss1979

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About rss1979

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Thursday is the cut-off date to register your experience on iWait.co.nr .
  4. Well PLEASE leave your stories......all power to the cause!
  5. a website has been created to collate customers experiences trying to obtain the new iPhone 3G through o2 (or carphone warehouse). If you have would like to share your story with the world (and o2) please visit iWait.co.nr Thanks guys.
  6. Hmmm........returned with no engine you say?? I would be curious to know where that went......lol, only joking!! But I would persue this, seems the DVLA/Police are VERY heavy handed when it comes to RFL.
  7. bttt, can anyone help with this please??
  8. I recently received my SAR paperwork from Capital One and I am now ready to send in my prelim letter. I intend to claim contractual interest and I have calculated this as £115.86 as a compounded amount calculated at a daily rate of .072% (29.95%APR, my typical). The charges I am claiming back amount to £240. This credit card account is now closed and I have received a default notice, although no default is shown on my credit file (the account is shown as seriously overdue/delinquent). I was being chased by a DCA until I wrote requesting a copy of my credit agreement and d
  9. My claim amount was £339.00 for charges applied between 25/07/02 – 08/06/06. June 22 2006 - 1st Letter sent by Recorded Delivery. Claim value £339.00 July 3 2006 - LBA sent by Recorded Delivery. July 4 2006 - Response from RBS 29 August 2006 - N1 Claim form completed. New claim value including CC interest at 8% and CC fee £434.90 31 August 2006 – RBS Served claim 31 August 2006 - Acknowledgment of Service received by CC. RBS state intention to defend. 6 September 2006 - RBS Group Litigation Offer Now settled and to my complete satisfa
  10. I have another one to post from earlier last year, I never got round to putting it on.........also a donation to make!!!!
  11. My original claim amount was £149.00 19/06/06 - 08/12/06. Further charges were applied to my account whilst I was in the process of claiming these back so I added them to the value of my claim, as you will see below. December 13 - 1st Letter hand delivered to branch, signed receipt obtained. Claim value £149.00 January 3 - Response from RBS January 5 - LBA Hand delivered to branch, signed receipt obtained. Further charges added (since 1st letter), new claim value £215.00 January 15 - Response from RBS January 22 - RBS Offer *Not included
  12. Out of interest, what would the next step be if the CRA's and/or the lender had not responded??
  13. You know what, we are going to have to agree to disagree........ Personally I would not settle for the bank offsetting the payment against my debt. I would contest it as far as possible. I think its important to highlight every possible outcome but you seem to be very negative. I have never understood the "thats just the way it is" attitude.......Its only that way cause people don't contest it! I am sure you will have the last word on this thread though.....so take it away.
  14. Thats the way I have learnt what I know, from reading peoples debates....I don't think many of us are legally trained so it all comes down to constant examination and re-examination of what we think we know/understand.... I hope that i havent caused anyone any difficulties!!
  15. You seem to insist over and over again that this overdraft has to be paid back immediately. I am sure that many of us live in out overdrafts, not ideal but thats how it is.......why should I be forced to pay back my overdraft with the charges refund? I do have an agreement with the bank which allows me to use that OD amount. Really, that fact that these charges are applied when I am in my OD is irrelevant. It's simply a starting point, whether my account is £100 in credit or £100 in debt the fact is that when an unlawful charge is debited from the account the bank is denying me access t
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