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nikkiandmidgets

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Everything posted by nikkiandmidgets

  1. As far as I know BOS like HBOS has an English office so you could claim through english courts. Then you can claim the 6 years and saves you puttung multiple claims in with the scottish limit being £750. If you have an address in England you can use then you can claim via moneyclaim online, otherwise you need to fill in an N1 form. For 5 years in scotland, I think it dates back to 5 years from date you requested statements so break them down into chunks and start the first claim, by the time you get to the most recent one you may even have more charges to claim back... Good luck...I am
  2. Hiya, I had 2 egg cards which I got into arrears with on and off last year. I explained that I was on maternity leave and was waiting money coming in. I paid them off at the start of the year but they reveiwed my accts and due to my work status, closed them down after. One is actually still open cos it is 2.36 or similar in credit although I dont think I am allowed to use it! I also have a loan with them which had the same problems but all sorted and no arrears. I am going to request statements on all 3 once I find the closed credit card acct number - bit difficult as dont seem to hav
  3. Just a thought, but if your partner believes he has a pretty good credit history but is struggling to get a bank acct, and if you stay at the same address, maybe its because they are linking your financial status with his (Sorry to say!?). Just a thought. I know you can put an entry in a credit file to say you guys are not financially linked etc. If I was him I would send for his credit report(S) and leave off getting a joint acct or making any joint applications on anything until you get your credit history cleaned up - this site has got lots of good info for getting defaults removed etc t
  4. Just remember to make a note of any charges still accruing ccurrently on your acct as you will be able to include them in your secon claim! Good luck and enjoy spending your pre christmas bonus!
  5. I just sent my SAR's at the start of the week so am at least a few weeks behind you but hope it all goes smoothly for us both and neither of us have to actually go to court!
  6. Hi, does that mean you use the N1 forms if you dont have an address to use in England for correspondance but can use Money claim online if you do? Or do you need an English address in either case? Am still at early stages (SAR's sent out) but just trying to get my head round the future processes!
  7. Well have typed up and printed out my SAR's and am just writing out the envelopes. Will go in by the post office tomorrow, get the postal orders and get them sent recorded delivery. Just the one CITI card acct but I know I have had charges on it so should be claiming something back. Am also sending SAR's to BOS, Halifax and Capital one tomorrow and have lots more to send out next time I get the chance, will have to check my finances though for all these £10 charges cos along with the postage they all add up! Oh yeah, is it a good idea to get your credit report just now or wait ti
  8. Well have typed up and printed out my SAR's and am just writing out the envelopes. Will go in by the post office tomorrow, get the postal orders and get them sent recorded delivery. Thats 2 for capital one and I know I have had charges on them so will be claiming something back. Will have to look into this PPI thing though, will have to dig out my statements.... Am also sending SAR's to BOS, Halifax and Citi tomorrow and have lots more to send out next time I get the chance, will have to check my finances though for all these £10 charges cos along with the postage they all add up!
  9. Hiya, think I have managed to put all my details in the templates for my SARS - was hoping to do more but my oldest is just in bed and the youngest has the sniffles so is waking up more often than usual for a few sucks at the bottle before crashing out again. Not sure about the addresses as there are so many to choose from for each organisation so hopefully they are correct! Just got to address the envelopes tonight, ready to take to the post office for my £10 postal orders and recorded delivery tomorrow. Am sending for 1 closed BOS acct, 1 open BOS joint acct, 1 closed BOS mortgage acct
  10. Hiya, think I have managed to put all my details in the templates for my SARS - was hoping to do more but my oldest is just in bed and the youngest has the sniffles so is waking up more often than usual for a few sucks at the bottle before crashing out again. Not sure about the addresses as there are so many to choose from for each organisation but have addressed the BOS ones to the Rosythy office. Hopefully this is correct! Just got to address the envelopes tonight, ready to take to the post office for my £10 postal orders and recorded delivery tomorrow. Am sending for 1 closed BOS acct, 1 op
  11. Hiya, did anyone find out whther we can use a box number to raise a case in England instead, and if so can we then go back 6 years instead of the 5 in Scotland? Am interested to know as am doing SAR's at moment for myself, my mum and so far, 1 of my sisters so guess I will be logging over a dozen claims on everyones behalf! Away to post first batch of SAR's tomorrow.
  12. Hiya, think I have managed to put all my details in the templates for my SARS - was hoping to do more but my oldest is still up but am hopeful she will go down in the next 15 mins as she is really tired. Not sure about the addresses as there are so many to choose from for each organisation but have addressed the Halifax ones to Sarah Briggs in Trinity Road. Hopefully this is correct! Once Amber is asleep I will find some envelopes and get them addressed, ready to take to the post office for my £10 postal orders and recorded delivery tomorrow. Am sending one for my halifax acct and one for
  13. I used to get this stuff on my internet access for Halifax. t Think it was something to do with there being lots of transactions on the statement period so they archive and renew (As in more than average for the period you can usually go back in your statements online)? Not sure if I've phrased that correctly, got a hyper 20 month old beside me who wont got to sleep and cant risk putting her down incase she cries and wakes up her 10 month old sister!
  14. Do they not have to prove delivery of the items for you to be liable? As she wont have signed for them then surely that will add top the case? I know a friend who ordered a a laptop but never received - they tried to say he should have paid for secure delivery but he argued it was up to them to ensure safe delivery of the goods, and not his to prove he never received them or to pay extra for the privilege. Think he quoted some Standards and Trading stuff?? I think the end result was they refunded him most, if not all of the money. So anyway surely they have to prove she received the good
  15. Hiya Rich44, My mum gets pretty confused with all this paperwork stuff and when she got this she had lots of other debts she was being chased for but as far as she recalls she believes she spoke to them and they said there was nothing they could do as she had never logged a deferment. If I get all the info together and draft an email would your friend be able to give me an email address to send a query to? Its got to be worth a final try?! As for council tax my mum had my two sisters staying there and she knew her boyfriends credit history was poor so not sure if she added him or not
  16. I've seen a few people state that credit card companies have closed their accts - is this still happening? Its just I stay in a little village and dont drive and with two kids under 2 I do a lot of shopping online from Tesco's (Asda too far away) but need a credit card to pay as they dont accept Electron cards so dont want to loose them as not sure when I will be able to manage lessons and babysitters to coincide! My cards are Citi and Capital One, and my Electron is Halifax. Cheers for info, advice. Nikki
  17. My sister told me her boyfriends cousin got all his bank charges refunded and now no longer receives charges on his acct. He is with BOS and I am unsure if he went this route or just went in and spoke to his bank. Just wondered if people are still receiving charges on their accts after successfully winning or if the banks\credit card companies learn their lessons?
  18. Hi all. Thanks for all the advice and sorry if I misunderstood your comments gbzstro - havent had a good run of things myself what with my wonderful husband and his latest girlfriend Ivy from Singapore who incidently is a nice girl but thats a different story. Need to take my mind of that stuff so hence why I am trying to help my mum and on the net all times of day and night! Anyway, she cant put a deferment in on her student loan as they say all the loan is due because she never ever put a deferment in. I never even knew she took one out till she got chased up for the money and she has a
  19. The story is she is paying just over £170 direct off her wages to Scott and Co for Poll Tax\Council Tax. She remortgaged her house last year and used the extra funds to pay other debts and paid last years council tax. She pays £30 a month to student loans company (She has never earned above limit to have to pay the £1000 off but as she didnt fill in deferments (she says she didnt know she had to and didnt receive any forms) they caught up with her just before she turned 50 and after lots of letters back in forth with her explaining her low wages, her age and that she hadnt received any forms
  20. My mother doesnt have a social life, is single because my dad was a gambler and used to spend all his wages before she got them, my step father sexually abused my sister and her boyfriend cheated on her and stole any money she gave him to pay bills and spent it on himself. She has little trust of men and has no friends she can go out with or can afford to go out with, She never goes out for meals or gets take away unless me or my sisters treat her for babysitting - would that be unpaid tax too along with her tips (I am presuming thats what you are saying is unpaid income tax?) of about £10 a w
  21. I took a loan with associates\CITI in May 2003 which I have now paid off. It was to pay off an original loan with them, a loan with another company and give me some money as I was getting married for our honeymoon. I didnt want to take the insurance as it was high and my work are good to staff for accident/sickness/redundancy. I later took voluntary redundancy as my job was being outsourced and used this money to pay off the loan - would i be able to do anything about this seeing as I was told the only way they could offer me the loan was with the insurance which was very expensive? For in
  22. I just received a letter from Scott and Co regarding old council tax debts on a house I previously owned. They are for my old house I rented out to friends of friends while I stayed at my boyfriends. The first tenant had her name on the council\poll tax and paid fine but subsequent tenants did not. I spoke to the council about this and they say I need proof they stayed there and the tenants forwarding addresses. Am I liable as the owner and is the onus on me to get these addresses? One couple moved to Ireland for a live in job and another left cos their daughters husband commited suicide a
  23. My mums ex boyfriend kept her council tax money instaead of going in to pay it as she thought he was doing - result was she got in arrears. As she has little free funds this accumulated over the years and she now owes several years. Debts were passed to Scott and Co and she was initially paying them £80 per month via direct debit. She is not sure if she missed payments as she has money problems but the direct debit was cancelled and scott and Co took her to court and she got her bank acct arrested. this failed as she didnt have money in her account. they then arrested her wages and now she
  24. My mum went to college about 8-10 years ago and got a student loan. She never heard anything from them till a few years ago when she got a demand for money. They said she had never filled in the deferrment notices that had to be filled in annually but she says she knew nothing about having to do this. She is 54 now and currently paying £30 per month which she cannot afford. She thought she would not have to pay because she wasis below the earnings threshold and is now over 50. Should they not have sent the deferment forms to her automatically, and surely if she doesnt earn enough and canno
  25. My mum let her £200 credit card to Capital one spiral up to nearly £1000 due to charges and interest and did same with CITI card and also with a Littlewoods Flexible acct among others. She got hassled day and night by the companies and DCA's so eventually out of desperation remortgaged and paid them all off. Can she now claim the charges back? I am not sure if she has the account numbers\reference numbers and whether the debts were sold to the DCA's or who she paid off - the DCA's or the original companies? I will ask her to check through her paperwork but wanted to check out her options b
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