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Everything posted by lyns

  1. I know i should have kept to the arrangment with the court but i genuinely just forgot. Why is it that they wont arrange payment plans? The woman truly didnt care at all. I dont know how these people can be so harsh! I have got the money to pay but didnt really want to go into my overdraft! Think i will borrow my husbands credit card to pay it and see if they do charge this fee. If they do i will be back to claim my money back!
  2. I recieved a letter yesterday from Drakes saying i had seven days to pay £205 in full. This is for a fine i got in June for a motoring offence. I arranged to pay £40 a month by cheque and i started paying them. Then I forgot to pay a payment and they havent contacted me about it at all! They have just passed it to Drakes and they have whacked £50 on as well. I rang Drakes this morning, when I finally got through i spoke to the most rude, arrogant and unhelpful woman i have ever heard. She was so abrupt and wouldnt listen to me at all!! She basically said she could extend it to 2nd Jan but i have to pay before then or they will send the baliffs round. I offered to pay in installments but she was having none of it. I told her i was a student with two kids and havent got £205 to pay in one go at xmas. She said she has done all she can by extending it, so i had to leave it at that. Came straight on here to find out off you lovely people what i can do?? Why do they think they can speak to us any way they like just because we owe someone money? Please help.
  3. That letter is very good, think i will use that one next when the bank fob me off after the letter i sent them!
  4. I agree with steven. Dont panic! Easy to say i suppose but I am in the same situation with Lloyds TSB. I am refusing to pay any money into my account as they took a charge without notifying me and then they added more! I have complained to the bank and they are 'dealing' with it! You need to start the ball rolling by sending off the first letter on here asking for the money back. Then you just take it from there, it can take ages (9 months in my case with cap 1) but as long as you are in dispute they cant do much. Have a good read through this forum and we will all help! Good Luck.
  5. Well I went into Natwest this morning and they spouted the same old crap! I told them I wasnt having it as it was money meant for my kids! She dissappeared into the back to the manager who said that they would be able to give me a £550 overdraft! I have previously asked for an overdraft and they replied no. I was fuming but accepted £200 overdraft as I knew another charge was coming out tommorow and that would take me overdrawn again and then get another charge and so on and so on! They wouldnt even stop tommorows charge for me which really got me going. Anyway they said they were sending my letter off to the main branch where they deal with this and I would hear from them soon. Really wished I had the time to sit in protest but I had to be in work. At least the ball is rolling now against them, just hope it doesnt take nine months like Crap 1 did!!
  6. Thanks Tonycee That thread was a good read! I have typed a letter and am going into Natwest with it tommorow morning, will let you all know how I get on! Lyns
  7. Honey i have gone through the tax credits check and ended up overpaid by about £16k. Even at this massive amount i only pay them £10 per month back. I work and so does my husband and we still only have to pay £10 a month. When I spoke to them i had to go through all my incomings and outgoings and then they decided an amount they felt i could afford. You should make a list of everything you pay out monthly and what your current income is, just to be ready for when they ask for this. It is a pain getting all the documents ready to send but if you are having trouble finding them all just give them a call and i am sure they will be ok with it. I also agree you should go to your local CAB who are brilliant at helping people sort through things and understand whats happening. Good luck.
  8. Since 31st August I have had £144 taken in charges from my account and I think another may be coming out any day! The problem is I do not have my wages paid into this account any more and havent since the middle of August. All that goes into this account is my child benefit and tax credits. I want it back, i remember someone else going through this and they managed to get them to stop taking the charges as it was benefits? Does anyone know what I need to do to get my kids money back and stop them taking it in the future?
  9. My husband got this letter also, funnily enough he applied for a credit card the other day and was declined! We thought this was a bit strange as he usually gets accepted for things all the time. Gonna call him now to ask him to check out the credit expert thing to make sure that no-one has been applying for things in his name!
  10. I Did!! When I went to court the judge wouldnt allow it! This was with cap 1
  11. I have a problem with these ignoring me also! Not to the same extremes as you but I have been asking for my proof of ncd for weeks and still not had it! Hope you get it sorted soon.
  12. Sent non compliance letter today asking them for the rest of the info I requested. Lets hope they comply and I dont have to report them to the ICO (did this last time and to be honest was a bit of a waste of time as they didnt do anything!)
  13. I got a letter today from Lloyds with my charges listed but only from this year on one of my accounts , nothing earlier which is strange as I put down on the letter I wanted statements from all my accounts plus the credit card I had with them. Should I send them another letter asking them for the rest? Will I have to pay again? It also said in the letter that they are not dealing with any claims until the test case has been heard. Is this true, and has anyone else had this letter?
  14. Well done! I am just starting with TSB fresh from a capital 1 win.
  15. Thanks guys lets hope i dont have to go to court on this one! Sent S.A.R - (Subject Access Request) on 10th Sept, LLoyds have until 19th Oct to reply with my statements.
  16. Hi, Fresh from my successful claim with capital 1 I am now going to pursue TSB. Sent SAR on 7th September 2007. Lets hope it doesnt take almost 12 months for this claim!
  17. Thanks guys! I coulnt have done it without all the help and support from you lot! I felt sick in that waiting room at the court but I am glad I seen it through till the very end. I am now going to concentrate on the banks,He! he! What fun... Will try and dig out my POC for you paintball and will pm you later.
  18. I have just got back from my court hearing and the judge wouldnt allow me to carry on for my CCI claim only at 8% which they had already paid me see my post.
  19. Just got back from the court and didnt get any extra money:( The lawyer from Capital One was there and he asked to speak to me outside. I went out and he was confirming everything with me (i was hoping he was gonna settle and give me a cheque or something!) We waited over an hour to go into the hearing and the judge was quite abrupt with the lawyer from Capital One as surprise surprise they never filed any documents into the court. He started going through the claim and I showed him my calculations and witness statement. The fella from Cap 1 told him what they had paid to me etc.. Then the judge started going on about the test case with the OFT for a bit and then he said how have you got your figure to charge interest at 25.14% I was a bit stumped and said it was based on the unauthorised borrowing rate that cap 1 charges me. He then started saying I could only claim this if I had a contact with cap1 to say if they charge me this amount then I would charge them that amount back. He said this is only allowed if you have a contractual agreement to do this which of course I havent. He then said do you want to go ahead with this, and I said yes but he said you need another reason/arguement other than if they do it then so so can i. Obvoiusly I didnt have another reason as I dont have a contract to say I can do this so I had no other option but to leave it at that. The judge said if I went ahead and lost then cap1 could claim money back from me as they had already paid me a bit more than the charges amount plus 8% interest. I had no option really but to give notice to quit. I feel quite dissapointed but as the judge said there have only been two cases gone to the final hearing and one claimant won and one lost so it is a bit of a gamble and i would have had to pay costs. I have got back my charges plus some that were over 6 years old and the 8% interest so I still feel I have won just would of been nice to get a bit more but nevermind I am glad i seen it through because I would have been thinking what if.
  20. What should I say to them when i ring? Have you refunded me yet??
  21. Oh god i am scared now! Going to court on Wednesday!! Still had no offers off cap 1 and only 2 days left!
  22. September is my court date and I am crapping it now! Could do with some help from others who have actually gone to court anyone?? pm me please!!
  23. We paid cash! Comet came out on Friday and looked at it and they are repairing it for free, this is because samsung have had problems with this model of fridege freezer and the parts need replacing.
  24. when is your court date? Mine is September and only just got the papers from cap 1 to show me what they are relying on in court. Better send mine off quick!!
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