Have just made a successfull claim against HSBC with my curret account. Not sure if you can use the same procedure for credit card charges and whether or not i'd win? Addresses and that would be greatly appreciated.

After making a succesful claim against HSBC, i thought i was in the clear to go and use the money as i saw fit. How wrong i was. As im in an IVA at the minute, (which HSBC were aware of) the bank sent the claim of £1,800 straight to my supervisor of the IVA where they placed it straight into my IVA account. I was aware that if i had a windfall as such or came into some unexpected money i would be expected to place this money into the IVA. The thing i cant get my head round though is, the bank charges im claiming back are a direct result of my debt. The bank has unfairly charged me, given it me back and are gonna reclaim it. Eh? Confusing. Anyone experienced anything like this before or can shed some light on it for me?

Hello, I have had two loans from logbook loans, the second of which i am just about to clear. Any body who has the misfortune to deal with this company has my sympathy and would like to commend you Nellie in helping to make people aware of the dangers of getting involved with this company. I would seriously like to see this company on watchdog or Rogue Traders. This company preys on Vulnerable people. I work as a Police Officer now and have managed to put a serious cahpter of my life which involved these rogues behind me. First off in my line of work i can now idenify Vulnerable, desparate people and as we all know there is absoloutely no way that any of us would have got involved with this company had we not been desperate. When people are desperate and vulnerable all rational thought process go out the window and people convince themselves they can get away with things or do things that in reality they would not normally do, in some cases it would be break the law, in our case because of whatever the situation we kidd ourselves into believing we may be able to afford something that we cannot. The sales people from this company can almost smell this and pounce on it. I can recall sitting in the back office of Cash converter and saying to the Salesman " SO WITH ALL THE REPAYMENTS, HOW MUCH DOES IT WORK OUT TO BE PAYED BACK IN TOTAL?" The reply i got was "ITS BETTER NOT TO LOOK AT IT LIKE THAT, JUST LOOK AT THE FACT THAT YOU CAN AFFORD THE PAYMENT EACH MONTH" I am not saying that had he told me that i was paying back £1300 for a £400 loan i would not have had it, but he was not even prepared to take that chance. After a while i came into difficulties with this company and i was being charged at the famous Twenty per letter and being hassled left right and center, work actually came to my rescue and gave me a loan to pay off my debts and took the money directly out of wages. A short time later again i became desperate as i needed the money ASAP and landed in trhe same situation. When i phoned they told me i was A GOOD CUSTOMER of theirs, i took another desperate loan with them. About four months ago i admitted that i had a problem with gambling and this was one of the reasons why i had turned to this company,cause i gambled all my money away and needed to make other urgent payments. I have not had a bet for four months and it is only since i have stopped that i can see how this company took advantage of my need for urgent cash. I am extremely lucky to have a supportive family who have helped me. There is absoloutely no sort of half way with this comoany and if you are struggling they will not help you in anyway they will just add the pressure on and that in many cases can finish people who are backed into a corner, they seem to operate by their own rules and they need to be investigated. I will be the first to admit that i am Mug for getting involved with these people and that it is my own fault, all the relevant info was probably there in balck and white for me to read, but the fact remains how is company allowed to get away with charging extotionate rates? Who controls this? The treatment they dish out when you miss a payment? Whats all that about? They phoned my house phone that often that my parents asked them to remove the number from their records and just contact me via my mobile, you would think that would be fair enough as it is there number not mine,but they refused for weeks and had to be threatened with harrassnet before they backed off slightly. I hope my experience can be of some help. Good luck Nellie. Many Thanks Sean W

Hello everyone, I have just sent off the statement request for my old current account and also a separate one for my credit card. Just wondering if anyone out there knows of any rough timescales that it takes HSBC to get them to me? Another thing is that the account is closed now, is that going to effect anything? Many thanks, Sean W

Hello Bong, Thank you for your reply, i have now sent off the request for the statements. Having read through a few peoples threads it seems to me that BARCLAYCARD are tricky customers and dont really want to play ball, Anyone got any ideas of timescales? Many Thanks, Sean W

Hello everyone, I have recently started out on a current account mission with A & L, mid way through that it was brought to my attention that i can now claim for charges relating to credit cards. Barclaycard absoloutely hammered me back in the day so i am gonna start with them. As it was a few years ago (5years) i no longer have an account number i have binned all statements Etc, i phoned them and and they have said that they could not give me the number and just to send my name, dob and address and they would send out the statements. Just wanted to ask if i use the exact same template letters as i have used for the current account charges? I been trying to get around the site to find out but i am rubbish at this computer thing! I would be grateful if anybody could point me in the right direction. Many Thanks, Sean W

Cheers, To be honest i am just about finding my feet with the whole site. I will now go and find the debt section. Thanks again.

Hey, Firts of all a big thank you to Countrybake for your reply. I had a look at the letters you attcahed to me and used them. To be fair i had just about given up when i offered Esporta a token offer of £100 for full and final settlemant of the account and they accepted. Taking into account the fact that i had already paid £289 plus the latest £100 to them they still did ok out of me. The people who dealt with me did very little other than send standard letters. In my last letter i explained that i was near personal bankrupcy and if they did not accept the offer i would set up a direct debit for £5 per month. They have decided not to take a risk on me and accept. I also offered them a copy of my personal budget sheet which i think helps let them know that you do have money problems and have some sort of organisation or system in place for all bills. Many Thanks Sean W

Hello, I have a problem with Esporta. I signed a contract with them in June 2005 and only attended the gym for three months. Each month i paid £63 membership. I then accepted that i had got myself into a mess financially and was un able to keep payments up. I was unbale to use the from September onwards and i kept no contact with them as i was keeping my head in the sand! About two months ago i recieved a letter from a debt collectors asking for the remianing £591 on the account. Obviously as i only attended for three months i felt this to be a little harsh. I have contacted them and asked for them to give me a fair settlement fee which they refuse to do. I have made a payment of £100 bringing it to £491. In total i have paid them £289. Not bad fro three months! I have sent a letter to the head office asking them to write the debt off but just got a standard letter back saying " Tough Luck, we want our money". I know i signed Terms and conditions agreeing to the contract and its length but i think £780(which is the final combined total) is a bit steep for three months use. Just wondering if there is anybody else out there with a bit of experience in this sort of matter that can offer me any advice. Cheers, Sean Whittaker