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spider666

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Everything posted by spider666

  1. Got a letter back from my credit card company basically saying i agreed to the terms and conditions of the original agreement. therefore saying they are unable to refund any charges and they trust that this clarifies the situation dont remember it saying in the contract will increase the charge when we feel like it as this company is based in scot land i read somewhere about not using a scottish court can some one explain
  2. can anyone advise on filling in the n1 form for a credit card is it the same as for a bank or are there slight differences in applying or can you use the template in the library i am currently waiting to go to court so i am filling my form in ready for the court
  3. Hi Vicky if you look in the Bank Templates Libary there is a link called 4.Particulars of claim - N1 - Hard copy version everything you need is in there I took it personally to the Local Court small claims dept. The lady was very helpful and checked i had filled in the right parts and i paid cash on the spot. The prices vary depending on how much you are claiming. She said the would issue it on the day and i would receive one of my copies and additional info on what happens next hope this helps Chris
  4. hand delivered my n1 form to the local court today so i eagerly await some sort of outcome
  5. im in the process of filling in my mcol i have a couple of questions i have used the info provided in the library template to fill in my particular of claims when ive done this and payed the fee to mcol when and what do i send to the courts and halifax Also do i need to send a court bundle or something and can i claim for additional charges from what i claimed for in th LBA any advised would be appreciated thankyou
  6. Just received a settlement offer less than half the amount i was asking for A quick question although my 14 days for the letter before action is up do i send a rejection of letter settlement and 14days later apply online for a MCOL or do i send a rejection of settlement letter than a letter before action letter and 14 days later apply for MCOL or a comboination of both please advise
  7. they have 2 days to produce my charges . can't see it so i have downloaded the complaints letterfrom the ico website Any one heard from the ico regarding their enquiry into barclaycard and the microfiche issue
  8. After a long wait i have finally sent off my prelim letter so the ball is finally rolling
  9. After a long wait finally received information, sent off prelim letter so ball is finally rolling
  10. got my statements back from barclaycard up until may 2004 as normal all my charges were pre 2004 as i was over £200 over my credit limit and i wonder how it got that high Anyway i have sent a letter of non compliance saying they have remaining days to give me a list of charges don't really want the statements just a list of charges..... Anybody had any success with the microfiche issue thankyou
  11. hello tonyevic im still waiting from my charges 15days gone although they cashed the cheque within about 3days just wanted to know who you contacted was it your local bank where you sent the sar to or cutomer relations please advise thankyou
  12. Just sent off SAR really keen to get things going
  13. Just sent off my SAR let battle commence
  14. Just sent of My sar so im now preparing myself for the battle ahead
  15. I believe if we just follow the procedure set by the Consumer Action Group and Complain to the Information Commissioner after the 40 days it will be brought to his attention and he will have to act but i aint a legal expert Spider666
  16. Just read an announcement by bankfodder that Abbey National microfiche is a relevant filing system after an investigation The Information Commissioner has conducted an investigation and has decided that Abbey is breaching its statutory obligations. The Abbey microfiche system is a "relevant filing system". Surely this is in the favour of barclaycard customers all we need to do is pursue or charges and complain to the Information commissioner hope this helps and brings this issue to peoples attention
  17. thanks for support lizzie A question open to all Maybe a stupid question but i want to get everything right should i personally sign all letters ie between yours faithfully and name just would i be liable for any mistakes as i have signed the document or would they hold it against me if i didnt sign just want to get everything right and i dont want to make simple errors thankyou
  18. thanks dollies01 for the support Although i have a question open to all I have closed my account with Barclaycard but want to pursue charges should i state in the sar that my account has been closed or send as normal. please advise thankyou
  19. Hello just starting a thread Im preparing to send my sar to Capital one. Over the years due to one thing or another i reckon ive paid my limit on my card 10 times over in bank charges so im going to study faqs and get things in motion this is an excellent site and really glad to read people are getting the justice they deserve thankyou
  20. Hello preparing to get some bank charges back from barclaycard i settled my account in mar 06 Can i still make a claim going to read faqs and send a SAR next week thankyou
  21. Preparing to get some form of justice from the bank going to study the faqs and get my S.A.R - (Subject Access Request) off next week just starting a thread for when i need some help :) :) :)
  22. Hello Very interested in reclaiming my bank charges. Just a few concerns I feel i am responsible for mis-management of my account leading to the bank charges (although i think £39 is excessive) What has been the attitude towards customers from the bank once a claim is made When sending letters do i deal with my local bank or the main HQ just looked at the statements i have going back a year and a half and currently over £400 Also what is the current situation for making a claim reading some posts and Judges high courts seem to be getting involved. please advise spider666:)
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