http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html This is the link to the letter about telephone harassment. Also it costs about £10 to buy a telephone recording device from Maplins. I think the product code is MA066 or something similar. Its available from the Maplins website. Spot

Each bank works slightly differently, so it really depends who you bank with. Some banks actually close accounts but most don't. As far as overdrafts are oncerned, your claim shouldn't affect the overdraft, although it may be a good opportunity to pay the overdraft off with your reclaimed charges!! I know that Barclaycard are lowering the credit limits of people who claim charges. Read as many of the threads as you can in your bank's forum. But I yhink in general the cutting of overdrafts isn't a common practice. Good luck Spot

Great minds eh Martin!!!

Hi and welcome, The best advice I can give you is to read the Frequently asked questions and as many threads as you can. You need to know exactly how much to claim, so you ask the bank for copies of all the information they hold on you, ie statements etc. This letter is in the template library and is called a SAR. You must send £10 with this letter. The banks have 40 days to comply and most will take that long to send you your documents. While you are waiting, read as many of the threads as you can within your bank's forum. Each bank responds in a slightly different way, but as long as you stick to the tried and trusted method of getting the charges back, they all pay out in the end. Please also remember that this is a self help site. It does require a little effort on your part but its all worth it in the end. Good luck Spot

Welcome! You seen to have a good idea of what to do already. It is daunting and a lot to take in when you first start, but when you get your head round the idea that it can be done, you will begin to feel empowered!! As far as the credit card charges are concerned, they are as unlawful as the bank charges. The OFT ruled that they would only become involved if the charge was greater than £12, but if you read the many, many threads on credit card charges you will soon see that people are getting these back as well. If you start separate threads regarding each of your accounts then you will get support and help from those who are further down the line than you and have been in your position. Each bank will respond in different ways but ultimately, they all pay out. So, good luck (not that you'll need it) and remember, there are plenty of people on this site who will be more than willing to offer help, support and Kleenex. Spot

It depends which route you want to take. You can iether claim 8% at the court stage or claim contractual interest at whatever rate the bank are charging you. If you claim contractual interest, you cannot add the 8% at the court stage. I, personally, add contactual interest at the authorised borrowing rate, but many claim at the unauthorised rate, so its really up to you. Spot

If the £350 was made up of charges and interest, you can claim all theseback and also demand that they remove the default from your credit file. You need to read the FAQs and get as much info as your head will hold! Basically, you need to send a SAR to Natwest. This requires them to send all your statements and all other information they have on you within 40 days. You must send £10 with this request The template letter is in the Template Library. As you wait for all the info to come through, read as much as you can in the Natwest forum. So, in short, if the amount you were defaulted for is made up of charges, then you can reclaim them all and get the default removed. Good luck Spot

If I were you I would go for the £60 you are owed!! At the moment I have the dubious honour of having the smallest claim (£25.40 against Black Horse) on this site. It a matter of principle for me.not the money. The is a thread in the Stickies regarding parachute accounts. NatWest seems ok as does the Co-op one. Good luck. Spot Here's the link regarding the parachute accounts http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

As far as I know, you can claim the maintenance charge. Is this charge around £35? The service charge (around £5-7) is allowed, but the maintenance charge I think is when the bank allows a direct debit etc to be paid even though there are no funds available. You can claim contractual interest and there are many threads relating to this. Here is a link here to one such thread. http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest.html As far as the manual intervention is concerned, all the information should have been provided with the SAR or confirmation that there was no manual intervention on your account. If you have all the info you need to progress with your claim, then go for it. It would be highly unlikely that the bank will defend the claim with the manual intervention story. Good luck with your claim and read as many of the BOS threads as you can. Spot

You can ask for your money at any time. The normal course of action is 1) S.A.R - (Subject Access Request) to get details of all charges. 2) Prelim letter, This informs the bank that you require your money back 3) Letter before action - This informs the bank that unless they comply with your request, you will take them to court. 4) Court. If you already have full details of your charges for the last six years, then you do not need to carry out step 1. The best course of action is to use the templates in the template library, amended slightly to suit your circumstances. And read all you can. If you used the template than just wait the 14 days and send them the LBA (letter before action) and read the success stories in the Barclays forum. These will give you the confidence to be successful with your own claim. Good luck Spot

Many congratulations!! Don't forget to donate!!

Hi and welcome. If you look at the debtors and bailiffs forum, you will see numerous threads regarding these muppets. Read all the threads and you can seek the advice of those who have been successful against Welcome and direct legal collections. Good luck and don't be afraid to ask for further advice. Spot

Hl Legal services are in compulsory liquidation for unpaid tax, yet they are still sending out letters!! I am compiling a list of all DCAs whose trading status is either dormant or non trading. I will PM the list to anyone who is interested when I've finished, which should be by next week

Well as of the 20 December they commiteed a criminal act. Such idiots!! I have not heard anything from them since the CCA letter arrived at their offices. I think a letter to trading standards is in order.

I have been checking out the trading status of many of the DCAs and at least a quarter of those I have looked at so far are non trading. I think a call to Companies House may be needed to clarify what the legalities of this are. In fact one which is still sending out letters is in liquidation due to non payment of tax!

Hi and welcome! Firstly, read the Frequently asked questions. And then read as many of the threads as you can. Send the SAR to the above address and then wait until you receive your statements. While you are waiting, read as much as you can. There is no such thing as too much knowledge!! When you get your statements, add up all the charges, then send a preliminary letter. All the templates for the letters are in the template library. So, good luck and just take one step at a time. Spot

Companies House. Have access to website. And they were liquidated on 19 September 2005. No company with the name HL credit control officially exists.

Well, the logic would be that yes, as they are owned by A&L, then they should be able to retrieve the relevant paperwork with relative ease, but it depends on how good A&L are at passing on the paperwork.

Global Debt Management are 100% owned and controlled by Alliance & Leicester. Also according to the company accounts, they are non trading!!

HL Legal are officially 'in Liquidation'. Ordered by the court to liquidate over unpaid tax!! HL legal and Collection will be a new company taking over the 'clients' of HL Legal.

You can find out by contacting the original creditor. If you send them a SAR then they should send you any info held in your name. You can still CCA the DCA however just to be on the safe side.

Hmmm, strange one, especially as there is no record on your credit file. Try contacting New Look at the address above and see if they can shed any light on this. If you suspect that someone has stolen your identity, you should also contact the police and at least get a crime reference number. Thanks for clicking my scales

You also need to check your credit file with Experian etc. New Look and the DCA may have defaulted you effectively wrecking yourcredit rating for the next six years.

The CCA goes to the DCA as long as they have bought the debt. If the DCA have not bought the debt, the CCA letter goes to the original creditor. I am assuming mean the penalty charges imposed by RBS? You can still claim these, RBS took them and RBS can pay them back!!

Don't bother with the second letter. As long as you sent the first and they received it then the time starts from that.