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ogunnell

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About ogunnell

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  1. Hi Night Owl sorry to hear your in the same situation, keep me updated how you get on, I am a few steps behind you with the Lloyd's letter tennis.
  2. Lloyd's have recently rejected the reviewed offer from payplan as part of my 3rd annual review, they have also started to charge interest again and have recently sent a default notice as there minimum payment is higher that what there getting via the dmp. Could anybody give me advise on twisting their arm to stop interest or getting the debt sold to a dca who are normally more willing to cooperate with a dmp. At the moment payplan are still sending them there share of my monthly payment but out of the £50 there getting £40 is against interest.
  3. Hi firstly I am writing this on behalf of my mum She got a letter today from a DCA demanding £934.72 for a littlewoods extra account, after much head scratching she remembered she had a littlewoods account near the end of 1999 but couldnt really remember the detials but thought it was paid off, as this was the first letter she had in the 6-7 years since then I asked her to call the dca who couldnt give more info about the debt and how they arrived at the £934.72 , And was told to write a letter for more information My question is there a set format for this like there was on the bank charges process Thanks Oliver
  4. Hi Firstly I would like to say hello to you all as I am newbie here I was made redundant from my job of 6 years in February, since then i have been living of my savings which are quickly running out, I have been claiming JSA and that gives me a income of £236.60 a month, but after talking to a skills coach yesterday I am considering going to start a foundation degree in IT, and working part time, trying to plan longterm rather than get back into deadend job again but in the meantime I need to try to get my credit card debit under control As I cant afford to make the minimum payments anymore, And I would still struggle if I was working part time, I have been paying them the minimum till now but my savings have gone, and I need to arrange a longterm fix especially if I go to college Here are my details Natwest owe £3985.19 limit £5900 Monthly Min £89.00 Lloyds owe £3776.12 limit £4600 Monthly Min £ 77.00 Skycard owe £1506.56 limit £1540 Monthly Min £104.00 Barclaycard owe £862.19 limit £900 Monthly Min £41.00 Would there be any benefit in moving the Skycard/Barclaycard debit to Natwest and Lloyds, easier to administer 2 rather than 4? before I contact CCCS?
  5. dont put to much trouble into your letters http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ has all of them in a ready to use format Of course it's fine to put it into you own words but why bother? Also dont forget that if you use online banking with hsbc you can check the past six years accounts dont expect a response for your first letter, I didnt get anything from hsbc untill I sent my LBA and even then it was allready filled in the small claims court and was only a part offer, so I rejected it From what I have read the trick is patience and playing down the line untill the bank break
  6. Ok seeing as nothing has come from DG, is there a template letter I can send them to remind them of my intent to file my AQ. Oliver
  7. ogunnell

    fearns v HSBC

    Yes now is a good time to send a copy to both the court and D&G See this post here for guidence http://www.consumeractiongroup.co.uk/forum/hsbc-bank/40474-oliver-hsbc.html#post395637 Good Luck
  8. Hi Guys Hope you all had a good Xmas Anyway DG have filled there defence today, So I will be keeping a eye out for the postman I sent a letter back to hsbc with a thanks but no thanks to there part offer but they never got back to me with a full offer. Till next time
  9. Update time, Ok got a letter off HSBC today offering £2420.00 Considering I was claiming £2693.50, wasnt to bad But now of course I have filled a "mcol" and with the charges and 8% the total is now £3413.06 Do I just need to ignore that offer, or shall I send a thanks but no thanks?
  10. Thanks Micheal, I have sent the first copy today to the courts Also noticed on the mcol line site my claim has been acknowledged my the defendant. Oliver.
  11. Thanks for the advice, how do you think this would be? Claimant has an account ******* with the Defendant, opened in or around 1999 Since 11/10/00 the Defendant debited charges and interest in respect of purported breaches of contract. the Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. the Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. the Claimant claims: (a) return of the amounts debited of £2693.50;(b) Interest per S.69 County Courts Act 1984 of 8% - £599.56 continuing at 8% until judgment or settlement at a daily rate of £0.59©Court costs. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982.
  12. Well just a quick update not had anything back from HSBC from my prelim letter, or the LBA so it is now time to get my mcol done I now get to add the interest:)
  13. Hi Gang I got my statements today after sending a request in on the 3rd of oct They sent my £10 back saying they were happy to help So I added it all up =£2693.50 over 6 years I feel bad that I lost so much Sent my prelim today along with the basic spreadsheet recored delivery, so I guess will keep you all updated I am planing to use this money to cut some of those platics cards up Regards Oliver
  14. Hi group just wanted to say hello, I am just about to start the process of reclaiming bank charges my goal is to try to reclaim HSBC's extremly unfair charges on going past overdrafts, my account went £100 past my £250 limit and they charged me £125 I could of got a better deal from a loan shark:D my first step is to demand a history of all past charges Wish me luck
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