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About pyramidhair

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  1. This topic was closed on 2019-03-08. 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. heh no worries .. Thankyou, very much for this guys, I needed a pep talk!! ONWARDS!
  3. Hi again I am "bumping" this thread instead of starting a new one (as advised) as the 14 days is now up and I'm about to start my claim through the courts. PLEASE can I ask for a few thoughts from a moderator regarding my charges and claim. As stated above, they are almost entirely charges issued in instances where I have, with a DD, gone overdrawn, without having an overdraft. In EVERY instance this has been no more than £20 overdrawn, and immediately rectified every time as I have been paid into this account every month, almost £2k per month going in the account. Natwest are
  4. Good luck mate, many of your charges seem to be similarly brought about to mine. In that I went overdrawn when I was unauthorised due to a single DD for example. I received a similar letter but mine had no offer of half on it! I wish you luck, I hope this works out for you 404, go get em.
  5. Having read Henry's thread on the front page I must say I am now extremely unnerved by the idea of going to court. My case is based solely on instances where I have gone into an overdraft thanks to a DD being paid when it was not in the account (usually only by 2 days maximum and never once more than 20 pounds.) This would appear to be identical to Henry's case, which he lost. If any moderator would be able to assist in this area at all I would be more than happy to go to court if I had enough information to feel more confident about doing so. I can't afford £2oo court costs I know
  6. Good luck to you too mate and thanks. Is that correct, the statement above? Or is he being sneaky with half truths or what? Am I barking up the wrong tree by claiming returned DD charges?
  7. Update, not sure what to do next right now, but will be checking it out this afternoon. Meanwhile, new letter, in response to my Letter Before Action (above). Now. Am I out of options now, but to take it to court? Any assistance from successful claimants would be greatly appreciated as I prepare. Cheers.
  8. The latter. Thanks for your support mate.. update on the way.
  9. CONGRATULATIONS mate!! Great news, and after all your hard work you certainly derserve it.
  10. Aaaaaaaaah screw em. Letter Before Action posted today. 14 days from now we'll see what happened eh!! Any suggestions or support would be so very much appreciated. I feel like a little worm against the mighty shark here!! Although I suspect that i what they want.....
  11. Bookworm you truly are an inspiration as my saga continues! Without reading your success story today I would give up right now, having received the following letter, Dated 20th April: Dear Mr XXXXXX Thank you for your letter of April 13th 2006, although I am sorry to learn that we have given you cause for concern. John Cunnane is not in the office until next week but I wanted to acknowledge receipt of your letter in his absence and outline our outlook on bank charges. I have also noted the extent of your claim, net £965, but I haven't detacted any charges that were improp
  12. Sent DPA disclosure request on the 9th March, received all bank statements for the last 6 years within a week. I then (taking contact number from this site) called and spoke to John Cunnane, Customer Relations Manager, regarding the manual intervention issue, and told him I would need confirmation in writing that there was no manual intervention as i requested in my letter. He sounded as if he deals with this every day, he sounded exhausted and ready to just give up, bless him (heh heh heh), and said it would be with me very soon. I told him at that point what it was I was doing and that
  13. Another useful contact for the same Customer Rerlations address at Shenley Road Borehamwood, may be STUART HIGLEY. I have just received all 6 yrs worth of statements from his office, following my first letter requesting details of charges. Having picked through all statements and finding £965 in charges, I'm sending my second letter directly to him this time. Wish me luck! Hope this helps.
  14. Thanks very much, mine will be sent today, much appreciated. x
  15. What was the answer to your initial question, as I am also wanting to approach Capital One credit card? Thanks and good luck with your letter
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