Hi all Hoping someone can help with this question I have which regards Mortgage Express. Last year i paid off my Mortgage after selling up. I requested the total amount owing & paid it. Then a few weeks later i received a letter saying i owed them £500+ (keeping actual figures hidden) for a cheque i bounced at one stage - whoops! So, i haggled with them at the beginning of the year and got the debt down to just over £200. BUT, i haven't made a payment yet & haven't heard from ME since the new year. I got my credit report the other day & i see on it that Mortgage Express have been giving me a "missed payment" mark on my credit report for around £7 each month. What i want to know is can Mortgage Express set the repayment amount/period without having my permission? They say on my credit report that i am to pay £7 a month for 10+ years! I only owe them over £200! I am going to pay this off, but want assurances that this will be wiped off my credit report as soon as i pay. Hope someone can help! Please!

Zootscoot.... What an answer! Thanks you very much! That was very informative! Ive picked up more info there than a few hours this evening spent browsing! Top marks & keep up the GREAT work! Appreciated buddy

I take it i asked a stupid question then bookworm?

Hi all... Just a quick question I seen on BBC website about the case & i currently have a case stayed with Barclaycrud. I take this from the BBC: Is the end in sight? Not really. The High Court hearing is expected to last eight days with a judgement being delivered by the court around Easter. But whichever side loses is highly likely to appeal, possibly all the way to the House of Lords, which means the issue may not be resolved until next year. Does this mean that my case will be stayed till next year? Sorry if that sounds dumb, it seems a long time to wait

Thanks for bearing with me & all your help slick! Aprreciated!

Hi Slick, apologies for the mess! I filed for £1124.34 through the court in August - worked out on Spreadsheets. Was not an estimated claim, but based on fact. I only used the £1000 estimate in this thread, so i could be more "incognito".... I withdrew the £116 claim so i wil forget about it. Will i just send the spreadsheet i done in August for the £1124.34 to the solicitor?

Hi Slick, thanks alot for your help. Yes, the figure of £1000 is approximate I have actually told the solicitor i withdrew the £116 claim, thats when he wrote back and said to forward details of the £1000(est) claim as barclaycard couldnt find it. So, will i do out another "interest to the day" spreadsheet & send that off, even if the total will be more than that on the court application? Do you think i should add on the £10 i paid for the statements & the £16 court fee (and forget about the other £100) i had to pay to make them comply with the S.A.R - (Subject Access Request)? Or should i just settle for the revised speadsheet? What would you do? Sorry fior all the questions, with a court date nearing, im getting a bit nervous & need help! lol Thanks ever so much for all your help, your a star

hi, sorry about the mess up... No, this case is for the charges arising out of the missing statements i received. The compensation case for the £116 i withdrew (more hassle than i could be bothered with). However, the solicitor is referring to the £116 S.A.R - (Subject Access Request) compensation claim even though it was closed by me 2 months ago. So, to sum up, they cant find my claim for the charges arising from the "delayed" statements & while i am looking to settle for £1000 (charges from said statements) they are still talking about the £116 (which was withdrawn by me 2 months ago) & asking where i get the £1000 from! Its funny though, cause barclaycard have submitted a defence to the £1000 claim... Hope someone can advise How i got to claimng for these charges: Sent sar last October, Finally got statements in October Sent 7 day LBA Took action via court service awaitng...

Hi all. I currently have a court claim with barclaycard. It took me 11 months to obtain my statements (due to microfiche). They have a solictior dealing with the case & he writes to me now & again. (how nice of him). However, he had been stating a previous claim ref i had against barclaycard on his letters. I told him he had the wrong ref & gave him the proper one. Now he writes & says that barclaycard "cannot find any record" of the claim number i gave him (even though the entered a defence). He wants me to forward a copy of my application asap, but after being messed around by barclaycard for so long - im really not in the helpful mood Court is in the next few weeks & i get the feeling there is now a matter of urgency What should i do, be helpful or not helpful?? Hope someone can help, cheers all

Does my workings out of how i got that sum help sea-sidelady?

The £116 compensation is for court fee (£16) & writing them & the Information Commissioners Office about 15-20 letters asking for the statements. I figured as ive used my time, electricity, recorded delivery mail etc etc that they should pay that back to me or should i give up? Seems unfair, am i right by saying unlawful, that it took them so long 11+ months to send something that should have taken them no more than 40 days?

Hi folks. Ill cut a long story short here... I sent my Data Protection Act request last year on the 15 September 06. BC gave me the usual runaround, only they got away with giving me the runaround for almost a year. I had to start court proceedings in July 2007 to get my statements & also for £116.00 compensation. (£100 for me & £16 for court fees). They eventually provided my statements on the 25th August 2007 but no cheque. Now they have disputed my claim & im due in court this week - Friday 28th September 2007 Just wondering what ill need to take with me as i have my statements, but no cash cheers hope someone can help

Well, that why i need to find out if anyone is in the same position or knows anything lawish about this. Surely weather they have refunded the charges or not, they still cant ask for unfair charges to be paid back as they are deemed unfair in law. Hope someone can help. Cheers dudes.

Yes they paid by cheque. Would this make any difference? The money they require back is made up mostly of charges, i was thinking that although they have paid me they still cant demand back unlawful charges... Do you see where im coming from?? Or is it a load of BS? lol anyone else have any opinion, or has it happened to anyone else, im sure im not the only one lol Cheers & thanks for the reply

Thanks for looking in... Im gonna keep this short & sweet. I owed money on my MBNA credit card. They owed me more in charges than i owed them. (this account had been passed to a DCA, but when i wrote to the DCA, MBNA took charge of the account again.) e.g. I owed them £2000, they owed me £3,500 in charges. MBNA settled my charges in full last year. They paid the £3500 and made no mention of the £2,000 i owed them. The thing is, can they ask for the original £2000 back again & would i have to pay them, even though the majority of the £2000 is charges (even though they have paid them back)? Phew... Sorry if thats confusing...

This is the link for Data Protection Act non compliance too, incase anyone else needs it http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html:)

cheers m8, will give that a go. Thank you very much indeed for your help

Bump

Thank you very much noomill060, will get right on the ball & keep you posted. My 7 day LBA is now done, who will i address it to?? I have addressed all previous requests to "Barclaycard". Will i just stick to that? Here is my LBA: **LETTER BEFORE ACTION** Further to my letter dated 10 June 2007, please forward all remaining statements without delay. As you are aware, the original statement request was made on 15th September 2006. I find it totally unacceptable that almost 9 months after the original request was made to you, statements on my account prior to May 2004 have still not been received. I am also aware that the Information Commissioner has advised you to send the remaining statements to myself without any further delay. Please understand that failure to send my remaining statements with the next 7 days will mean that I will commence a claim at my local court to enforce your compliance. This will additionally involve you in financial loss in the form of any court costs & damages as a result of your non compliance. Also note that I will commence proceedings without further communication from myself. Yours faithfully *********************************************************************************************** Thanks m8 - youre a star!

Ok guys & gals, after email & letters, just as i expected - no statements. What can i do now? What is the best thing to do? I dont want to wait another 2 months for the court to get into action to get me my statements - ive waited long enough already All help appreciated Many thanks missjoy

Well, im answering now.. sorry for the delay, ive been very busy with my friends mortgage express Ive just sent off another request giving BC 7 days to comply (like i did in Feb) so i have a feeling im wasting my time. Will email natalie now as well & let you know how i get on in a week or so time... Many thanks all Missjoy:)

Was going to send them a letter now, what could i write? This is really annoying me! Is there any reason why i shouldnt take them to court to get my statements? Coming up on 9 months since i requested & 1 month since ICO told me they were going to get BC to send me the statements....

Sorry if im behind the times & have missed anything on here about this case, but what does this now mean? Bank charge victim back in court | This is Money

UNCLEAR ABBREVIATIONS FROM GE MONEY - I feel thats a good place to start this topic! I want this topic for people not sure what to do about GE Monies ridiculous abbreviations for informing us what we have been charged for on our statements! Just what is the deal with GE Money? I sent off for statements for a £10,000 loan i had, which was secured on my house. I actually had the loan through First National but then it changed hands to GE Money in a takeover or whatever. The loan is paid in full now, but ive a few hundred pounds to claim in the usual charges. Anyway, the "statements" arrived - but what a load of garbage! LOADS of pages & a list of abbreviations - many abbreviations that appeared in my statements were missing from the list they sent!! As for "the statements" - what a laugh! Pages upon pages of basically what i call rubbish, not likely to be understood by anyone unless employed by GE Money!! Others have to be in this boat! Im very frustrated! Ive searched for a while but have pretty much drawn a blank! I know its some kind of delying tactic, ive had my statements since January so its deffo put me off claiming! What have others done when you get your bundle of alleged statements & just what the feck is the "rosa calculator"?? We need to start fighting GE Money, IMHO they need a thread of their own!!! What have others done to get simplicity from GE Money?? I want this thread for everyone! If im put off i can imagine others are in the same position! We need all the help we can get - what have you done in the fight against these dragons?? Me, sadly, nothing yet - im so annoyed!!! :evil:THEY CANT KEEP GETTING AWAY WITH THIS!

Hi all, its 8 months since i sent my S.A.R - (Subject Access Request) to my friends at Barclaycard! I have only recieved statements from may 04 & 8 months later im still waiting for statements prior to may 04. I did complain to the Information Commissioners Office & they basically said they were sending my details toBarclaycard at the end of April basically telling them to send the statements. So, all well & good but how much longer are Barclaycard going to take? What is the next step? P.S. With the statements i have recieved i claimed and im in court this Friday 18th May to obtain a DECREE FOR ASSESSMENT (going through Northern Ireland court service) as Bcard didnt enter a defence. I got a letter from Bcard Saturday past offering me the money but thats another story