Hi, A&l Sent Me A Letter With All The Charges Listed Two Days B4 I Received Solicitors Defence!! How On Earth Can They Ask For Clarification?

Hi Phantom, Is that the end!! As you know, they also sent me this notice and I have received 3 letters since the notice from Robinson Way & Co asking for the same debt!! SHERLOCK

Hi, IF YOU HAVE DEBTS AT ALL IT IS ALSO WISE TO CHECK THAT YOUR NEW BANK (ACCOUNT) ISN'T LINKED/OWNED BY A PREVIOUS PROVIDER WITH WHOM YOU HAVE THE DEBT. NOT ONLY DOES IT PROVIDE THE BANKS WITH EASY ACCESS TO YOUR BALANCES (THEY WOULDN'T SURELY DO THAT WOULD THEY!!) THEY COULD OBTAIN MONIES OWED FROM THESE ACCOUNTS!! SHERLOCK

Hi Chris, below is a link for a table of basic bank accounts and the list also shows banks that are linked. I would suggest that you get a bank account that is independent of your current bank, SHERLOCK

Hiya, I have reclaimed from 3 companies that are within my DMP and none of them have retaliated at all as yet!! Still have another 7 to do but slowly getting through them. The problem arises I believe when the reclaim outweighs the debt somewhat and this may be seen as a windfall if the other creditors get knowledge of it. I have received different levels of co-operation and Barclaycard in particular will not budge on a reclaim with contractual interest. They cannot do much if you are making regular, on time, surplus payments as this is seen to be very favourable by the courts. I would certainly go ahead, I have claimed off the original creditors each time, even if the debt has been sold to a Debt Collection Agency, Good Luck, SHERLOCK

RW & Co. at it again, 3rd letter in a month!! is that harassment? Immediate action required blah, blah. This account will not be closed, but will stay registered as an unpaid debt in your name. This will adversely affect your credit rating. (please, go ahead, exactly what and where they are registering though would be deemed totally unlawful, would it not?) sherlock

If you pay on time then wahheyyy, thats your prerogative. For some people it sometimes isn't an option. For some utilities, like water, you get £5.00 off if you pay by DD. People who do pay on time should be having a go at VM for NOT doing it this way i.e. give an incentive to pay on time. People shouldn't be given a rough ride bcoz they sometimes have other priority payments to make. Thing is these comps. let u have the packages irrespective of your credit worthiness, so it seems they are prepared to take the gamble!! Incidentally if you ask nicely they do allow you at least one credit for late payment, as I got this week.......however I have put in a claim for the 3 other fees I had to cough up and question the difference in cost of me paying on time by funds transfer as opposed to DD. I'm expecting a reply within the next five days. SHERLOCK

Hi again, Received second letter from RW&Co. giving notice of intended court action, valid even if not read by you!!!! TAKE NOTICE that documents are being prepared for the issue of proceedings etc!!!! Is this a standard letter? Thanks I am thinking along the lines of letting this go to court and counterclaim for the same amount they are requesting, is this viable?.....I have no record of payments made and they haven't been supplied! Sherlock

Immensely helpful, thank you. I changed my number long ago and do not get calls, maybe I should let R&W have it .Thinking of getting a 0870 no. Thanks again, I would love to see records of charges from Natwest, they haven't answered my S.A.R. - YET

Laugh, just a little, not 2 hours after replying to Laiste's thread guess what falls through the letterbox....................you guessed it........... Robinson Way & Co, Natwest.....same account number, different amount (£500 less) - Formal Demand for payment, dated 25/03/07. States 'this problem will not go away or be forgotten' :o Laiste, I think they are questioning your post!! Next course of action please SHERLOCK

Thank you, that clarification was just what I need N/W and/or BC&Co obviously left me to figure this out!! One more question, in your opinion should I pursue any charges reclaim or let it lie? I'm assuming, maybe wrong, the previous CCJ they obtained was done without these facts also, but was on my credit file when taking out my previous mortgage/credit. The alleged debt is 10 years old and I think it was a combined loan/overdraft.

I would give you more reputation but it won't let me maybe later!! gees, gonna take time working out, thank you v. much. So will it be easier if you show the working out by including in claims? is this appropriate?

Seems You Guys/girls Are Doin Splendidly, How About Faxing Across You're SIGNED Acceptance Prior To Sending By Recorded Delivery And Addressing It To Your Contact, It May Well Help, No Post To Sift Through. It Seems A Little Pestering May Well Bring Your Letter To The Top

Had a look at your MS thread and obtained the compound calculator, ta. So now let me get this straight, 1) Claim all charges + compounded interest 2) calculate these charges at contractual rate of interest AND 8% and add to claim.(STATE I WILL BE CLAIMING ONE OR THE OTHER AS COURT SEES FIT, ONE ASSUMES THE CIVIL PROCESS IS TO PUT THINGS BACK AS THEY WERE BEFORE THE WRONGDOING?) I have already issued a LBA with contractual, do you think now I have to resend with compounded and state my intentions, thanks again SHERLOCK

Noomill, with reference the compound calculator, do you put charges in individually i.e. £24.00 start may 2004 - end march 2007 etc and is it compounded annually? (This makes £5.00 difference from claiming with contractual). SHERLOCK

Hi Noomill, my actual charges date back to may 2004 £350.00 and the interest at 22% is £145.00, have I used the right spreadsheet? I think it was with contractual, have read about 'compounded', would this make much difference over only a short term? Also, if they pay the amount off the debt, can I request to refund the court fee to myself if I do not get exemption? Are you saying that you then get the 8% on top of all this? Please bear with me I think once I get one claim done I can get my head around it and then proceed with my others! Regards

OK, heres the deal - Barclaycard are not budging on anything other than the £12 OFT blah,blah. I am claiming £500.00 on a debt of £1300. I only ever paid £200.00 on this account. I know they will insist on repaying the amount from the debt and some advice taken with regard this is that that is the usual route. Barclays are forcing me to make a court claim to get the full refund that is rightfully mine and I will not see a return of my court fee!!

WELL, That DMP will be paid off in 2029, so they have a long wait!

oh now, phone numbers, I can do that one

dont know why they are bothering me then , I have no money, everybody say AAAAAAAAAAAAAHHHHHHHHH

I'll just get out my great big book of debt yep there it is.....CCA Request 21/10/2006!! POET, are you suggesting I put these debts in the bin? Whilst I have read and re-read threads regarding the default, I cannot bring myself to just assume that CABOT will not pursue these debts bcoz they have defaulted on the CCA Request..........BUT.......believe me if someone tells me different then I am all ears. I am of the belief, and again if I can be persuaded otherwise, that they could still pursue these debts from statements etc. and even though 2 of them are £1000' ish, the 3rd one shows around £3500.I need to keep on top of this. Please tell me that there is a way to kick them into touch and I will take the necessary steps, is it by reporting them for breaches every step of the way?? All advice greatly received SHERLOCK

Hi all, after my recent emails, I received yesterday both Monument CCA signed agreements from 2000/01 and a letter stating they are still awaiting the CitiFinancial agreement. I was hoping to receive statements with these, I know it wasn't likely but I got RBS statements recently when CCA'ing the DCA, hoped to alleviate the S.A.R £10.00 FEE I will now undertake my usual process of S.A.R. Monument and get all charges + contractual refunded and/or taken from debt amounts. Oh Yeh, they did request I contact the police if I was under the impression the accounts were opened fraudulently SHERLOCK

Nicole, did you receive a Discontinuance Notice or was the stay granted pending negotiations between you and Natwest? I got the DN, but even that didn't state what they intend to do with it next

Not being able to afford the fees etc. is another issue I have brought up with my Barclaycard debt. They will not refund all my charges + interest only the OFT £12.00 amount. In my last letter to them I stated that as all my surplus income goes to my DMP, I do not have the monies to fund the court claim of which they are forcing me to undertake. As such I will also be telling the court this is my reason for 'exemption of fees' and requesting Barclaycard to state their case why they INTEND TO CAUSE ME FURTHER HARDSHIP and their willingness, albeit as a gesture of goodwill paying out all claims after MCOL . Yet to receive a reply.

They still haven't responded to my letter, is their a court form that can be issued to get them to move their arses?