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Philip Hindley

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About Philip Hindley

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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 03/07/19. 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
  3. 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
  4. 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
  5. This topic was closed on 03/05/19. 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 their. 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
  6. Thanks Cornucopia for your input, which could be worth much more than two-penneth! I'm sure Ian will find your posting of benefit. As I mention earlier in this thread, my debt with MBNA was sold on to a DCA called First Direct, and I've been so pre-occupied chasing refunds from other banks, that I haven't got round to sorting them out yet. The nugget of information you've provided will, I am sure, be of great help. Many thanks.
  7. Hi Ian, I've never heard of TML, although, perhaps other members have, and would be able to offer the benefit of their experience. It may be worth doing a site search for TML to see if anyone else has mentioned them in their threads. Personally, I'm inclined to think (cynic that I am) that this may just be a diversionary tactic on Westcot's part. If it were me, I would give them until the weekend to make a response to your CCA request, and then, if nothing appears, write to them, reminding them of your request and that they are obliged to provide you with a response within
  8. Hi Sybil! Welcome to the site! There are lots of friendly people here who will always be glad to offer help and advice. Never be afraid to ask. Your story brought back lots of memories. I think we have all been in the position of being made to feel guilty, inadequate and alone, through the intransigence and bullying of one or other of the Banks. Sometimes it is caused by our own financial incompetence, sometimes by unfortunate circumstances, but always, it seems to me, that problems are compounded by the greed of the Banks in never missing an opportunity to impose charges a
  9. Hi Neil, The 40 day time limit for MBNA to furnish you with the information you have asked for under the Data Protection Act, is calculated from the date of your formal request, which should have been accompanied by the £10 fee, and which they may or may not refund. Having received their initial standard letter, what seems to happen next, in a lot of cases, is that you will receive a partial 'goodwill' refund, credited to your account. Best course of action is to accept this as a partial payment only, and then, when you know the full amount of their charges, send them a LBA dema
  10. Hello Ian, Have you done a S.A.R - (Subject Access Request) under the Data Protection Act yet? If not, then send them the Template letter in the Library (leave out the bit about six years) together with the £10 fee. If you quote the account nos. they should be able to send you all the information they hold on you. There is an argument for claiming back charges beyond six years, which I'm pursuing at the moment with Lloyds TSB, but it's a difficult one and I'm not sure if anyone has had any success, as yet. Let us know how you get on.
  11. Hi Ian, I wouldn't. Treat them as completely separate claims, and don't let them try to pass the buck from one to the other. In essence: MBNA imposed the charges; they should repay them: Westcot may not have a legitimate claim on you; it is up to them to prove it. cheers
  12. Hi Joe, As you will have observed, your scenario is very similar to the one which I had with MBNA, except that my debt was sold on to First Direct. I've been too busy chasing the re-imbursement of charges from other banks to sort out First Direct yet, so you are ahead of me on that one, but their turn will come! MBNA were the people who imposed their unlawful charges on you, in the first place, and then charged you interest on those charges. Whatever sum they sold your debt for, will have been related to your total outstanding debt, according to their accounting. If th
  13. Hi Pombix, Welcome to the forum! Sorry I haven't replied before. I've had a busy day! To start a new thread: 1. Select the forum for the instutution from which you are seeking re-imbursement. 2. At the very bottom left, at the end of the first page of listed threads, click on the box that says NEW THREAD. Type in your query, request for help or story and follow the directions. Look forward to reading your thread soon, regards
  14. Hi Hoople! Do you know how much of your debt is made up of MBNA's charges? If you can arrive at an amount from your past statements, it would help you weigh up the pros and cons of commencing an action to have those charges refunded. My reasoning would be that, whatever charges MBNA have imposed in the past, those charges are unlawful, and, to add insult to injury, they will have charged you interest on YOUR money AND will continue to do so in the future. However, only you , when you have worked out the sums, will be able to decide whether or not to proceed. Of course
  15. Lists of settled cases pm'd to you, as requested. cheers
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