Jump to content

skeeloj

Registered Users

Change your profile picture
  • Content Count

    24
  • Joined

  • Last visited

Everything posted by skeeloj

  1. Hi there, I have had the same experience as you. I applied for a loan on Monday and then read some reviews about the company on the web. I rang them back the same day and told them I wanted to cancel, to which they replied it's all been cancelled and no fees would be taken. However one week later, they took £59 out of my account. I got in touch with the Office of Fair Trading who told me to write to them telling them they broke the law for misrepresentation. I stated the facts in my letter along with given them 2 weeks to refund my money otherwise they i'll take them to court. I got a
  2. Hi Jackie, Many thanks for your response. Will do. Regards. Skeeloj.
  3. I have a monument account and because of the interest and late payment fees this has caused my balance to double and go overlimit for which they keep charging me. I have been offered £265 from £530 that I am claiming. I am refusing their offer and taking them to court, I got nohing to lose except the court fees. Will gladly take that chance. Skeeloj.
  4. Hi, I have done all the other stuff against Citicards in that I am now at the stage where they have made me an offer of £208. I am claiming £470 in total including interest (£60 is interest). I am going to send a letter saying I refuse this amount and am proceeding with a court case. Is this the right course of action or should I take the £208. I am more than willing to go to court. Thanks for your advice
  5. Hi there, Have received an offer from Capital one of £112 saying that they have reduced all charges applied on my account to £12 from £20. I was originally claiming £260.00 plus £42.62 in interest, total £302.62. Should I proceed with court action? Any advice would appreciated. Many thanks. Skeeloj.
  6. Latest update... Halifax after telling me my claim was incorrect and was only for £202 or something have admitted that it is £787 and are offering me £209. I have declined their offer by telephone and told them that I would be proceeding with court action. MCOL issued on 4 Nov. They have until 25 Nov to respond. On MCOL it says claim acknowledged.
  7. Ok will do. Have started one for Halifax. Will try and find the other forums and post in there. Many thanks. Skeeloj.
  8. Many thanks for your advice. I will do that. Regards. Skeeloj
  9. Hi there, I submitted my MCOL today and had to withdraw it because I had made an error putting in my account number under the particulars of claim bit. I often wonder things happen for a reason. Yesterday 17 Oct, I got a letter from Halifax saying that they didn't receive my LBA letter of the 12 September and only received my second LBA letter (I referred to my letter of 12 Sept. in this letter) and that they are now looking into my complaint. On 18 Oct (today), I got another letter saying that the figure of £602 is incorrect and they make it £292 in charges and I was given wrong
  10. Thanks very much. One last question (for now and sorry for all the questions). My credit cards have not responded to me as yet. I have only issued the 1st LBA to them. Is the next step I send another LBA giving them another 14 days and after that, start court proceedings. Thanks Shaz. Skeeloj.
  11. Thanks for this. It's gonna cost me £80 according the link and I was wondering if I can claim the money back off the Halifax and do I include this in my total amount tha tI am claiming back. Thanks. SKeeloj
  12. Hey Shaz, Thanks a great deal. Really appreciate all your help I know your not stalking lol. Can I ask, do you know how much court fees cost and do I have to pay it at the time of issuing my claim? Thanks.
  13. Hi all, Have been using the site for a while but putting all my questions and updates in one general thread. Have been advised by the really helpful people on here to start a new thread in the forum that I am claiming back from e.g. Capital One. Current Position: I am currently paying off my balance through a solicitors firm as Capital One took me to court and won. However, if I get my charges back, then it will cut my bill from about £600 to £300. Statements received, sent LBA letter to Capital One who have until 12/10/06 to respond. Am hoping there will be a letter
  14. Hi there, Have been using a different thread, but have now been advised to post a new thread in this forum as I am claiming back charges from Halifax. Current Position: Received statements, am claiming back £602 in charges from Halifax. I have issued 2 LBAs to Halifax which they have until today to respond. If I get home and there is no letter from them, I will be starting my court proceedings tomorrow. Wish me luck and thanks to excellent people on this site who's help so far has been amazing. Once again, thanks to all for your advice and support. Will keep you posted
  15. Hi does anyone know if I can move my thread to the Halifax forum or do I need to start a new thread. Also, Halifax and my other credit cards have until today to respond to my requests. If they don't respond do I start court proceedings online? Halifax been sent 2 LBA letters and I haven't had any response Monument - 1 LBA letter sent, with no response CapitalOne - 1 LBA letter sent, no response Citi Cards - 1 LBA letter sent, said can take 4 to 6 weeks to investigate. Please advise what I should do next. Many thanks. Skeeloj.
  16. Thanks again for your help. Can you believe the cheeck of Capital One. While I am in the process of requesting my fees back, they have sent me an application form inviting me to apply for a Capital one credit card as a result of me making contact with them. The balance of the first card I had with them is still be collected by a Solicitors firm.... Olliebear, no I have had my statements back from Citi Cards following my SAR and they complied within the 40 days. I sent them my LBA letter requesting my funds be credited back to my account giving them 14 days to respond and included
  17. Hi, I have sent LBA to all my credit cards and have sent Halifax a second letter giving them another 14 days and have heard nothing. One of my credit cards Citi Cards, have written to me acknowledging my LBA letter that I sent and said they are investigating, but it could take 3 to 6 weeks as my statements are in archive. They said if they get the info sooner, then they will. Should I do anything or let them wait 4 to 6 six weeks, at which time they will investigate my claim and let me know the outcome. Many thanks in advance for your advice. Regards Skeeloj
  18. Thanks for your advice once again, I really appreciate it. The Halifax have until today to respond to my initial request I will probably give them until Friday before taking any action. Please can you advise what action I next should they not respond. Regarding Monument, they wrote to me a while ago saying that will provide me with an update on the 21st September. I received a letter on the 22nd September saying that they are still looking into it and they will provide me with a further update by the 18 October. However, the S.A.R - (Subject Access Request) letter I sent gives the
  19. Thanks for your advice once again, I really appreciate it. The Halifax have until today to respond to my initial request I will probably give them until Friday before taking any action. Please can you advise what action I next should they not respond. Regarding Monument, they wrote to me a while ago saying that will provide me with an update on the 21st September. I received a letter on the 22nd September saying that they are still looking into it and they will provide me with a further update by the 18 October. However, the SAR letter I sent gives them up until the 3rd October.
  20. Hi there, I requested my statements for last 6 years from Halifax back in August. They charged me £5 for the whole lot, so am a bit confused as to why they have charged you that. Hopefully the Data Protection Letter with the £10 cheque should eliminate you having to pay so much. Good luck and keep trying. Regards. Skeeloj
  21. HI there, I'm not an expert, but if they have refunded one charge, then they obviously are guilty of something. If you look at the forum you will get good advice and guidance from this website. The people who set this website up have done a great job in providing advice and information. I would say that you still request all the charges they owe you. Ask the halifax to provide you with a copy of your bank statements for the last 6 years (as this is as far back as you can claim). Do this in writing or use one of the letters on this site. When writing, put in your letter that you a
  22. Hi, I am claiming back charges from 1 bank (halifax) and 3 credit cards (Monument, Citi & Capital One). I have sent all subject access request (SAR) forms to all 4 of them. Halifax - Current Position Statements received, letter sent requesting they refund money for my charges. They have until 26 September before I take next steps. No response received as yet. Monument - Current Position Acknowledment of request received and they have said they will provide me with statements by 20 September, but nothing received as yet. Will give them until the 3rd Octo
  23. Dear the Wife&I, Many thanks for your reply. I will look at what you have recommended and post my progress on as suggested. Once again many thanks. Skeeloj.
  24. There is some really good information on this site which I have found really useful, so thank you all. I have a question please and would appreciate any advice. I have 2 county court judgements made against me for 2 credits cards and am currently paying these cards off via the credit card companies solicitors. I want to ask these credit cards companies to to credit my account with the overlimit and late payment fees that they have charged me over the years and was wondering who do I send the letter to, is it the solicitors or the credit card companies. I also wanted to know, does
×
×
  • Create New...