Yes it did start with abbey, right then MBNA here i come Many thanx senior Emma

thats what i thought.. i was hoping that the council would quash it when they realised i was going to fight it but it looks like i will see them in court Thanks again for your help

thanks again only my husband which i wouldnt of thought counted?

Hi guys, i have/had a visa credit with abbey/mbna i had a limit of £500 which i went over by about £100 i now owe £1,331.91 despite paying £50 per month (due to interest/charges) i am only actually paying less than £2 per month of my debt, so can i still claim and who do i claim from? abbey or mbna? Thanks in advance Emma

thanks for your response unfortuantley not because i used to get paid in cash and saved the money, so i have nothing to back me up. i didnt know if they could just write to me more than 5yrs later demanding this money, surely if i owed them this i would of heard about it before now? thanks again Emma

Hi guys, i am really not sure if anyone can help but here goes, i moved out of a council house in aug 2001, i received a letter 2 weeks before christmas(2006), stating that i owed the over £400 in rent that i didnt pay and that i could settle the "debt" by paying the full amount immediatly. i phoned the number given on the letter as i paid everything i owed 1 week after the tenancy agreement ended however they have no record of me paying this and as it was so long ago i cannot find the receipt (as i paid cash at the local office.) they are now taking me to court, i have filled the defence form etc in and i am now just waiting for a date. is there any legal "stuff" i should know that will be able to help me? Thanking you in advance Emma

it sounds very excessive i agree, if the bank cannot stop the d.d in time the £128 should be refunded as he is paying for insurance that is no longer needed/canx. he needs to speak to a supervisor/manager and explain that he isnt happy with the charges and also threaten with going to the ombudsman, they will have the power to waive any charges. also tell him to ask what their complaints procedure is, chances are they will waive charges to stop the complaint going any further Good Luck

hi, i work for a well known insurance underwriters, and we deal with approx 30 different well know companies, now i cannot really comment on how other companys operate but as far as i am aware they can only charge a canx fee (ours is 1 months premium) and charge you for insurance cover that you have used, best bet is to take your complaint to F.S.A (financial services authority) or contact the financial ombudsman both have websites, hope this helps