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indianna

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Everything posted by indianna

  1. does anybody know if it is possible to still reclaim from credit cards if i NO LONGER HAVE THE ACCOUNT NUMBERS. when i paid them off i closed they closed the account as i had defaulted and i threw away all paperwork. It is within the six years though. Thanks in advancehi, does anybody know if it is possible to still reclaim from credit cards if i no longer have the account numbers. when i paid them off i closed they closed the account as i had defaulted and i threw away all paperwork. It is within the six years though. Thanks in advance
  2. ok, thanks bookworm does anybody know if it is possible to still reclaim from credit cards if i no longer have the account numbers. when i paid them off i closed they closed the account as i had defaulted and i threw away all paperwork. It is within the six years though. Thanks in advancehi, does anybody know if it is possible to still reclaim from credit cards if i no longer have the account numbers. when i paid them off i closed they closed the account as i had defaulted and i threw away all paperwork. It is within the six years though. Thanks in advance
  3. there used to be a live chat on this site, does it still exist and where do i find plssssssssssssss
  4. thanks hilliards, got another question clicked on the link for the spreadsheets and dont know which one i have to do. i think from what you have told me that i need to calculate my charges as notified and interest debited as notified. what i dont understand is do i use the spreadsheet for contractual interest or compounded contractual interest (havent a clue what either of these mean) or am i competely on the wrong bus....lol many thanks
  5. got my statements this morning. after going through them, i have a joint account and a single account with them, the total is £2750.....weyhayyy i have read somewhere that i can claim 8% interest my question is, is that for charges that have taken me over my agreed overdraft limit and what if i was already over the limit when charges were applied thus taking me further into the overdraft. i also have charges the didnt take over the overdraft but as a result of that charge other debit card/standing order payments resulted me in going over the overdraft........sorry if that is confusing
  6. rang both kelly duffy and ken patton, both were out of the office, ken patton rang back and left a message asking me to call back the following day and speak to mr richard ingham. he will be sending them out asap. thanks to all for your help
  7. Thanks smoorach, think i would rather go ahead with the court and that might kick them into touch. Any info on that would be great.
  8. can anybody help.... Sent the letter before action letter. Got a letter back from Halifax "Thank you for your recent letter which customer relations are dealing with because of their responsibilities for customer service. so they can respond to your concerns it will be necessary for them to carry out a full investigation, they will write to you again shortly" My question is do i now have to wait ( i know they are stalling, apologies if spelt wrong) or can i continiue, the 7 days have past. If so what approach do i take next? Thanks in advANCE
  9. many thanks.... i really would not be able to go through the process of reclaiming without the help of the forum members and this site. I have printed and will be sending the letter today.
  10. thanks littlesally, what letter do i send now, is there a template i can use?
  11. Also could somebody pls explain what is meant by manual intervention as it says in letter "with regard to your request for information relating to manual intervention on your account HBOS plc is under no statutory obligation to record this information and therefore am unable to deal with this request.
  12. hi, i have sent letter to halifax requesting list of charges. On the 40th day i received a letter from them confirming that copies of duplicate statements have been ordered and will be sent under separate cover. This was on the 7th Nov and i still have not received. Do i wait or send another letter?
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