it doesn't state, : there will be a Small Claims Hearing in this case and in several others which raise the same or similar issues on 15th of june,. bla, bl... the hearing is intended to give directions for the hearing of som or all these cases in a way which saves time and expense....." i'm worried:(

hi! i've received the date of my court case and all others that are similar against the same defendant ie barclays. nobody i know went to the court they always settled before - what shell i do? has anyon had similar problem??

THEY WANT TO CHARGE ME ANOTHER £100 HELP Thank you for your e-message dated 15 January 2007. I note from our records that charges totaling GBP1927.43 were refunded to your bank account on 27 November 2006. Please be aware that no further refunds will be made in respect of future charges correctly applied in accordance to bank's standard tariff. In this instance, I confirm that the arrangement fees of GBP100.00 incurred during the charging period 11 December 2006 to 10 January 2007 were due to the following : 12 December 2006 - GBP175.27 request for an informal overdraft 2 January 2007 - GBP35.62 request for an informal overdraft 8 January 2007 - GBP64.84 request for an informal overdraft 9 January 2007 - GBP101.84 request for an informal overdraft Please note that we will charge an arrangement fee of GBP 25.00 every time you make a formal or informal overdraft request which we agree to. However, we promise that we will not charge arrangement fees for: - Any formal or informal overdraft requests that we agree to, if this is the first time this has happened in the last six months. - Small overdraft requests we agree to that are not more than GBP 10.00. Therefore, I regret to inform you that I am unable to authorise a refund of these fees which have been applied correctly in accordance to bank's standard tariff. In order to avoid a similar situation occurring in the future, I would recommend careful monitoring of your account to ensure you do not make frequent overdraft requests. Please contact us if you wish to discuss your borrowing requirements or arrange a formal overdraft facility. You can check your balance via our telephone banking, Internet or branch service. Should you wish to discuss this matter further, may I suggest that you contact us on 08457 404 404. Alternatively, you may visit your local HSBC branch. Meanwhile, I trust this clarifies matters. Yours sincerely Heidi Daniels Manager Customer Credit Services

hi! has anyone been ask to close the account and pay back the agreed overdraft? i'm a bit worried!! please don't ignore and let me know!

is it possible to prevent them from doing it?

what address have you used to sent the data protection act letter? thanks

where do we send the data protection letter for the gold credit card? thanks

couple of questions, i haven't got a credit card for year s but someone ask me to find out. what do you do first, ask for statements for last 6 years? do you send the same template letter, like to the bank?

thanks i'll do that !!

sorry can't help i don't have any cards for years, now. but good luck, you can alway go/write an email to your bank to explain, i found mailing the easiest and fastest way to deal with.

has any of you had to sign one ? what have you done ? did they pay if you have not signed it??

i've send my LBA and I'm quite anxious what's going to happen. i was wondering how many of you got money without the court and how many had to go for it. i know it doesn't mean anything for me but i'll make me feel better - i hope. all the best to all still fighting and congratulation to all those who wan!

Hi! i just thought i start new tread to keep all updates of my fight easier to follow. 1. i've wrote a pleading (pre consumeractiongroup forum) letter begging for some sort of understanding, help etc.- I'm finishing my PhD, worked all my life but due to bad credit history (from 7 years ago! - one still outstanding debt, I'm paying off regularly - only £200 left) no chance for a credit, or overdraft and additional charges that i got - because i had to go abroad for the funeral simply buried me. All i got was another kick below the belt. 2. EUREKA! discovery of consumeractiongroup forum. requested total of charges for last 6 month (i thought it was 6 months not years!) and after 2 weeks of waiting and additional 2 request i got a letter quoting Close7.11 section 2 3. Got excellent advice from Phoenix and requested a Full Disclosure Subject Access and send template letter asking for the repayment under s.7 and 13 of the Data Protection Act 1998 plus my costs. 4. Got a response that their charges are fair and legal and my "comments" were passed to the relevant department (1.09.06) how long they are allowed to take to produce Full Disclosure Subject Access? wish me luck. since i've started, i feel they are really on my case but i'm not going to give up. i was trying to be friendly and open and all i wanted was to be understending in time of my diffficulties and it got me nowhere ! all the best to everyone and thanks for all the help and moral support

Hi! i just thought i start new tread to keep all updates of my fight easier to follow. 1. i've wrote a pleading (pre consumeractiongroup forum) letter begging for some sort of understanding, help etc.- I'm finishing my PhD, worked all my life but due to bad credit history (from 7 years ago! - one still outstanding debt, I'm paying off regularly - only £200 left) no chance for a credit, or overdraft and additional charges that i got - because i had to go abroad for the funeral simply buried me. All i got was another kick below the belt. 2. EUREKA! discovery of consumeractiongroup forum. requested total of charges for last 6 month (i thought it was 6 months not years!) and after 2 weeks of waiting and additional 2 request i got a letter quoting Close7.11 section 2 3. Got excellent advice from Phoenix and requested a Full Disclosure Subject Access and send template letter asking for the repayment under s.7 and 13 of the Data Protection Act 1998 plus my costs. how long they are allowed to take to produce Full Disclosure Subject Access? wish me luck. since i've started, i feel they are really on my case but i'm not going to give up. i was trying to be friendly and open and all i wanted was to be understending in time of my diffficulties and it got me nowhere ! all the best to everyone and thanks for all the help and moral support

Thanks again, i've done as you told me. i'm keeping my fingers crossed!. all the best Anna

Thanks for your advice, i'll do that. have you meant 6 years or 6 months? i've requested 6 months - do you think i should go back? i've been with them for about 14 years. Thanks again, your respond lifted my spirits a bit. best regards Anna

hi! i wrote a long letter to HSBC explaining my situation and asking for considering to remove my charges or give me an overdraft facility so i would be able to be in black (I'm still paying off one misuse of my account with different bank that happened 8 years ago - and i've been "good" since, i don't have any credit cards or loans). they sent me response "NO". i've decided to use your template letter to claim for last 6 month but because i manage my account paper free, i've asked them on three separate occasions to provide me with a total of my charges and interest for last 6 month (the first request was on the 17th ! of August). Instead i've received today letter not giving me the total i've requested but conformation that they are not going to refund me any money - quoting clause 7.11 in section 2 and told me to complain to Financial Ombudsman Services. I've used your template to claim - step 1 - and instead of the total i insisted again on providing me the total for last 6 months and demanded refund of that (unknown to me amount). I've also ask for a paper statements for last 6 months to be send to me by post. Do you think there is a chance of wining with them!?? despaired Anna