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Satoriea

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About Satoriea

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  1. No there is no confusion . No company is allowed to charge customers more than what they request in a payment. It worked out that by paying a minimum i was £0.64 in debt. It did'nt even cover the costs. Credit card companies got a flogging for these practices. Why are these catalogue companies any different. They already make their money in high intrest they are charging. Plus insurance coverage. The point is for any credit, the minimum request should be able to cover the credit. So if a consumer wants to pay nothing more it will eventually pay off the credit. It should not increa
  2. Hi I have an issue i just recived my catlogue statement. First i was astonished with all of a sudden high interest. Any how that aside i noticed I am being request a minimum payment of less than what they are charging. When i confronted this matter to the customer care help they kept going on about T+ C I also confirmed it with them that the company actually makes sure that no one pays of their statement if they only pay minimum amount. I am so sick and tired of people taking the **** out of consumers. Who do I report this company to? Any advice help i'll be gratefull I
  3. Has your cc always been lloyds. Mine was accucard b4 lloyds took it over and i was given a new cc number.
  4. tsb pe sb I just won my charges yeah after fighting 7 months my last letter whch was a combination of the last two whcih sealed their lost. Its about persuing debt when it is in disbute please read i hope this helps. HI all I have found these 3 letters some might have seen this already. It is when you are being chased when your account/ debt is in dispute 1 ACCOUNT NUMBER: XXXXXXX Dear Sirs Re: Account in dispute I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account. I note from your latest
  5. HAHAHAHAH OMFG I CANT BELIVE WHAT I JUST READ SECRET CAMERA SURVEILLENC OH MY GOSH. I NEVER TOUGHT BEING IN DEBT WOULD BE SOO FUNNY. I STILL HAVE 3 DEBTS TO PAY I MIGHT HAVE TO PUT IN AN ORDER FOR YOUR SPECIAL HAT CERBERUSALERT HOW MUCH ARE THEY LOL IM STILL CRACKING UP. i had to deal with these they put a charging order on my house whic was eventually repo. The liars stop taking reg payment from me so the could tell the judge that i was not paying them so they could get the order. My down fall then was that i had no energy or strength to fight them, If i did they would never have b
  6. Update to LLOYDS TSB After sending them those letter LLoyds have finaly agreed to give me my money. I still only owe them about £20.00 Those letters were millitant. PEOPLE PLEASE DO NOT GIVE UP AFTER ABOUT 7 MONTHS OR SO THEY HAD TO CAVE IN. I THINK IT WAS ME REPORTING THEM AND THE DC AND THE SOLICTORS WHICH DONE THE TRICK. ONE DOWN AND 3 TO GO. VICTORY HA HA HA HA HA HA HA HA HA I POSTED THE LETTER I USED ON MY THREADS. LIARS AND CHEAT WILL BE FOUND OUT .
  7. Dont worry these people have NO POWERS. 1. DO NOT BE TEMPTED STOP TALKING TO THEM (they will have to write to eventually) 2. Unless yo give them permission no one can come to your house. Please read this link.Preventing Enforcement - Going Debt Free (UK) I have written many letters threating them that if they persist I would take legal action and it usaully works. Good luck
  8. Well the money they are chasing me for is charges and interest on the charges. Any actual monies I spent has been paid back.
  9. 2 Send this letter if the bank or DCA threaten court proceedings: — ACCOUNT NUMBER: XXXXXXX Dear Sir/Madam, I refer to your letter of **/**/** , in which you advise of your intention to issue court proceedings with regard to the outstanding balance of my current account overdraft. As you are aware, this account and the balance thereof is currently subject of a dispute. I can only assume your letter has been sent in error, as you must surely be aware that action such as that you propose would constitute breaches of the banking code. This matter has been discussed in
  10. Hi try one of these letters or put in a search dispute with DWP court action. 1 ACCOUNT NUMBER: XXXXXXX Dear Sirs Re: Account in dispute I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account. I note from your latest correspondence that you are proposing to issue me with a Default Notice on this account. I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved. The current Banking Code (Section
  11. Hey all this is an update of what is happening to lloyds dispute. After they sent DC after me they wrote to me again and threaten court proceedings over arrears of £25.00, but theses people keep flauting the llaw so I am hitting it back at them they keep persisting with their threats so people i have posted a new thread with the letters but here is a link Account in Dispute Letters - Consumer Wiki
  12. HI all I have found these 3 letters some might have seen this already. It is when you are being chased when your account/ debt is in dispute 1 ACCOUNT NUMBER: XXXXXXX Dear Sirs Re: Account in dispute I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account. I note from your latest correspondence that you are proposing to issue me with a Default Notice on this account. I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any furth
  13. This is an update with what is happening if anyone is interested. Recap Wrote to LLoyds tsb about my changes. I sent them the total inc interest that I expect them to credit my account. They acknowledge my letter. A few weeks later they set the solictors on me. This is my responce. Dear Sirs, I am writing in responce in your letter dated 14 October 2009. Let me inform you that I am currently disputing the above account and I am currently awaiting a response from your clients. As solicitors I do not need to inform you what you can and cannot do when an account is in dispute.
  14. I don't, i mean the government has probably given my share of the debt any how with the big bail out. Lol but hey lets just wait and see I'll be updating when I hear anything.
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