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Posts posted by ladykenco

  1. 1. The Claimant has an account xxxxxxx with the Defendant. 2. Since 19/09/00 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £419; (b) Interest per S.69 County Courts Act 1984 of 8% - £71.83 continuing at 8% until judgment or settlement at a daily rate of £0.09p; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.


    Is this right anyone, I have read that much I have confused myself and now sat not knowing what the hell I am doing...

    This needs to be done today as no offer or anything has come in todays post..

    Much appreciatted



  2. Letter received today ..


    I refer to your letter of 23rd October 2006 and, as requested, I have reopened your complaint and a further review is being undertaken.

    Please accept my apologies for the delay but I hope to respond to your complaint shortly, and in any event, in due course.

    Please be assured that every effort is being made to bring your complaint to a satisfactory conclusion.

    Signed by Neil McKirdy, Customer Relations Manager.


    Ok looks standard to me, after reading a few other threads it seems that I am better off going to the court and asking for an N1 form rather than filling the MCOL as its a joint account...am I right in thinking this?

  3. Hi all


    I have a Skycard, limit was £3500, about a month or so ago I paid it all off and kept it for xmas etc.....then last night I tried to use it and it wouldnt authorise....

    Got back and rang them to be told that they have lowered the limit as we have too much available credit to us...

    Then this morning got a letter telling me it had been lowered...that they had run a check to find I had loads of credit...all on £0 but nevertheless they didnt see we needed such a high limit!

    Anyone else had this problem?

    I have been on Moneysavingexpert and it seems that loads are having the same problems...

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