Man With The Child In His Eyes - Kate Bush

If I were you, my first step would be to send a CCA to Moorcroft, make sure the agreement, if one arrives, is enforceable then take it from there. If you think that excessive charges have been applied to the account, then you can sand a SAR to the bank to find out exactly what has been charged and try to reclaim those fees. Good luck and remember everyone on CAG is here to help.

You Are My Destiny - Lionel Richie

Foil

Everytime You Go Away - Paul Young

Cat

Fence

OK here goes ...... 1 - People who let their dogs deposit anywhere and not clean it up 2 - Fly tippers 3 - Folk who decide that as soon as the sun comes out, then it's time to crank up the stereo and put the speakers in the garden, so everyone within a 5 mile radius has to listen to 'Wig Wam Bam' played on repeat 4 - Diets 5 - Junk mail

Pond

Is This Love - Whitesnake

CapQuest x 2 - no success Robinson Way - no success Bryan Carter - no success C.K. Edrupt - account closed (hubby) in dispute (me) Wescott - no success Mackenzie Hall - no success - but they're trying! Fredrickson Int - no success Geoffrey Parker Bourne - no success Marlin Financial Services - currently paying (CCJ) and they're behaving, but watch this space Legal & Trade - no success

If it's mortgage or secured loan charges you are claiming, then the template can be found here - http://www.consumeractiongroup.co.uk/forum/mortgage-companies/71276-mortgage-charge-letter-templates.html

Hi, you can send a letter claiming back your charges using the templates found in the document library. An explanation as to where these templates are can be found here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/139988-bank-claim-templates-temporarily.html

Hi laugh876 and welcome to CAG The best thing to do is to send a SAR to the original creditor, the letter template is here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html Enclose a £10 postal order and send it to the registered address of the bank. They will then send you all the details and statements they hold on you, so you can work out what the debt was for and reclaim any excess charges that were applied. If you have lots to work through, then try and spend some time wandering around the forums and doing a lot of reading, the advice you'll receive on here is fantastic and good luck.

People have no patience and expect you to do the job of many, instead of one Don't let them bully or intimidate you though.

Don't Leave Me This Way - The Communards

quiet

Hi again, yes I know what you mean, it is only bricks and mortar after all is said and done. Some time ago, we were told that if the DJ gave possession back to the lender, we could have asked to be allowed to stay in the property while it was sold, whether this would be possible or not, I really don't know but it might be worth asking your solicitor what your options could be.

And mine will probably sink

laptop

Then I would gently remind him of his obligations under the CCA request that it is BC's responsibility, not yours, to chase and provide this information.

Hi 23sopwith I had exactly the same response from them when I CCAd them over my Cap One account. I didn't want to ignore them as they have been known to take peeps to court for their costs at the drop of a hat so I kept on at them, reminding them it was their responsibility to provide the required information, by law, not mine. After another 'do-it-yourself' letter and a very rude letter telling me I was talking nonsense (!), they gave up and referred my account back to the OC. It's entirely up to you but it's worth getting one over on them because they don't like being told the law! Have a look at my thread here - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133967-bryan-carter-cca-request.html

mine too

All the best from a wrinkly, grey 38 year old

Bleep