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stefbate

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About stefbate

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Well tomorrow i will be getting my last lot of charges taken from the tsb, so i am going to take action and get my £522 back. The tsb have been no help to me what so ever, they just dont give a damn! My dp is self employed and i dont work, so whilst work has been really slow over the last few months, i accumilated quite a lot of charges what with no money coming in. Its not as if i didnt try and help the situation. At first when the account was fine, never had a charge, plenty of money going in the account etc. I askedthem to upgrade from a cash to current account. They refused. So i was unabl
  4. Congratulations!!!! im so pleased for you. Enjoy your money.
  5. I just wanted to wish you luck for today. I am like that, i cry at everything lol. God help the judge when i have to go to court! Get the tissues at the ready.
  6. I requested my partners credit files, and there is no mention of a default (from natwest anyway), but on the letters ive requested the strike to be removed. What should i do? Just wait , and if it does go to court, just explain that i hadnt recieved my credit file at the time. Although i havent yet recieved a file for me yet, i doubt there will be a default against me if my partner doesnt have one, as its a joint account.
  7. I cant find mine. There only seems to be one page of threads. very strange.
  8. I obviously had the same problem as you ruby, without realising. I assumed you had to do it manually, so i went to yahoo, and got a date calculator, and did it that way. I havent figured out the interest yet. I dont have excel either.
  9. thanks cheddar. They sent the same letter last time, then 2 days later i got the other later saying ' our charges are reasonable etc' . but my deadline is next week, they have until then to give me my money, then i get the court proceedings under way.
  10. Well this morning i recieved the standard reply ' cannot answer your query in full will get back to you in 10 days' etc etc. they still have another 8 days in which to reply. ( this is in repsonce to the 'letter before action ' by the way.
  11. Correct me if im wrong somebody, but i think it is when they honour the d/d, they still charge you for doing it. :?
  12. Hi again, Another update, Not much to tell really, i got a letter back this morning saying they believe their charges are correct etc etc. so now for the next stage. The 14 days is up on sunday, Ive copied the 'letter before action' into my word document, just need to personalise it. What i have just been doing is typing all the charges into the spreadsheet. Im a bit baffled though, i cant work out how to do the8% interest, how do you work it out. (i am so thick , so i appoligise in advance for my stupid question. Also , does this calculation go in the en
  13. Hi, the letter is from sue crompton (customer care at manchester) (natwest). Thanks for the help, the deadline is for this Sunday, so ill have my letter ready and waiting to be posted by then.
  14. UPDATE- Ive just recieved a letter back from the Natwest, Quite prompt too, i only sent the letter off on Monday. Anyway it says..... blah blah blah... I am not yet able to answer your concern fully, as i need to look into matters further. I will contact you again within the next 10 working days , either with a full response or to update you on the progress that i have made. However if you need to speak to me regarding this matter, please contact me....... (manchester customer lending centre). I was just expecting the usual letter tha
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