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joseph

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About joseph

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  1. This topic was closed on 10 March 2019. 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 03/06/19. 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
  3. 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
  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 03/06/19. 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
  6. I'm not sure to be honest. Could have been my address or my parents address. Why do you ask?
  7. Hi all, Back in 2013 and a period before I had some pretty turbulent financial times. Some of my debts have now dropped off my credit file this morning I got a letter through from Lowell. I've had tonnes before including an offer £350 for a partial settlement a few months back. I have just been ignoring these letters or marking them RTS. I'm just slightly concerned because this one is a different format to usual with the heading 'Pre-legal Assessment'. Should I just continue to ignore? Once I calmed down I noticed the text was less clear than it first app
  8. I think this service is a [problem]. I tryed to check in online and their system told me there was an error. So I duely queued to check in only to be told that I was already checked in and would have to pay £15 for a boarding pass. What a rip off! I think I'll do a charge back on them since they did not ask for a PIN otherwise straight to small claims.
  9. i'd need to look at my balances. I probably could, but it is just the principle of the thing! It seems so hefty.
  10. I just got a letter from MBNA to tell me that my interest rate is changing from 17.9% already increased from 15.9% to a whopping 27% APR. Can a 10% increase be allowed? It seems very unfair considering the base rate has not changed recently. I mentioned this on the phone and the girl did not even know what the base rate was! (As a concept not just the rate) Advice or suggestions please.
  11. Ah yes, and I see on the sheriff court forms that a lay representative can be nominated by the pursuer. Very good.
  12. Since winning my case against Abbey several of my friends have mentioned their own charges, however they are scared by the technicalities and generally can't be bothered with filling out the paperwork. I have now done it several times, so could I make a claim for them acting as an agent or something?
  13. RESULT!!!! I got a cheque through on Sat for the full amount owed to me by Abbey plus expenses. I'm so pleased. Just waiting on BOS now.
  14. I have today filled out all the paperwork for the court. In the morning I will go to the Sheriff court, pay the fees and wait for my cheque!!
  15. Full refund received !!!!
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