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miavega

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About miavega

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  1. Dear all I'm hoping for some advice as am extremely broke and have been served section 21 by landlord to quit property end may - this is fine as I have paid all rent but am finding it difficult now so need to move somewhere cheaper. However in all these discussions it has transpired by landlord failed to protect the £1625 I paid April 2011 as deposit. Today he rings and admits he hadn't done it but that he had protected it today. My query is can I still get a court to award me the penalty of 3x deposit due to his failure over the last year? And if he's how do I go about this as I don't need to
  2. Dear all I'm hoping for some advice as am extremely broke and have been served section 21 by landlord to quit property end may - this is fine as I have paid all rent but am finding it difficult now so need to move somewhere cheaper. However in all these discussions it has transpired by landlord failed to protect the £1625 I paid April 2011 as deposit. Today he rings and admits he hadn't done it but that he had protected it today. My query is can I still get a court to award me the penalty of 3x deposit due to his failure over the last year? And if he's how do I go about this as I don't need to
  3. Dear all I hope someone here can help me! I have had lots of very good advice re bank charges and am now looking for some help re benefits. I was made redundant on 15th jan 2010 and since 18th jan have been in receipt of jsa contrib based at approx £130 per fortnight. Since 25th jan I have been receiving housing benefit at £175 per week and council tax benefit at approx £22 per week. I have now been offered a job on a six month contract starting weds 28th July - I will sign off as of then. My question is will all my benefits stop immediately? I will not be paid for a month and have n
  4. I currently work for a huge multinational corporation and am based in one of their london offices in a level 2 management position and have been employed since Jan 2nd 2009. Last week myself and the other managers at my level in my department were called in and told we were in a redundancy pool and that we would all have two weeks consultation follwed by interviews where we would have to re-apply for our positions and that the five would reduce to four. My queries are - 1) The consultation period is supposed to be where me and my colleagues are able to suggest alternative re-struct
  5. Hi I moved into a property on 15th dec 2008 - when I moved in it became apparent that a) the bathroom sink was not draining properly and b) the kitchen cupboard door which was hiding the boiler was not securely fixed to the wall. The landlady and her mother came to inspect the property on 28th feb and agreed both issues needed dealing with - her mother did a bodge job of mending the cupboard but assured me they would get onto the estate agents who I am renting through and get a man in to repair it properly. Three weeks later I got a message from estate agents asking if the maint
  6. Hi wonder if someone can help me as I am very confused about what to do - I started my claim against barclaycard and went through all the hoops resulting in them crediting to my account the difference between the charges they imposed and the £12 OFT limit. They wrote saying they had done this and that unless I responded within 8 weeks they would close the case. My query is do I continue persuing this with the big test case going on? It looks like others are but the other corporations I am chasing eg Natwest have written to me saying all is on hold til the case is heard but I've heard noth
  7. HI thanks for reply - I have searched under jonni2bad for the rejection letter but can't find anything - would it have been in a barclays thread? Sorry to hassle you but want to make sure I don't jeopardise my claim by doing it wrong! miavega
  8. HI Can I ask you for some advice re this please - you state you have done this claim as the FIRST part of the claim as they have only provided you with data from 2004 onwards. I received my data this am and again only from 2004 on - am I best to wait for the rest of the data (which could take up to six weeks) or to do two claims? If yes to two claims what is the correct wording for the prelim to ensure I can still claim for 2004 backwards once I receive data? Many thanks miavega
  9. miavega

    MBNA pre 6 years

    No-one wants to talk to me but my letter has worked!!! They have cpitualted on the disputed four years from 1996-2000 and paid me the £105 back (letter showed average charges as they were unable to tell me exactly what I had been charged in that period until yesterday when they suddenly "found" the figures) which has increased to 1500 with 27.9% compounded contractual interest plus the 8% court interest. thanks MBNA but most of all thanks CAG - donation on its way when I get the cheque......
  10. miavega

    MBNA pre 6 years

    HI all have successfully got 6 years of charges back from MBNA as well as 27.9% interest plus 8% interest (their mistake I think) but have now been chasing for older charges. Have copied my last letter below and as the deadline is today I have rung them and am awaiting repsonse this afternoon. Any comments or advice VERY gratefully received...... Many thanks for your letter dated 5th February 2007. Apologies accepted for the mistakes in previous correspondence from yourselves. I was grateful to receive the full breakdown as I was unclear where the additional refund you offered r
  11. No probs - good luck ) Just starting on my next claim against them for the charges on my credit card now as they seem to be paying out at the moment......
  12. Hi I have now settled my bank account charges with Natwest and am now ready to go ahead with my credit card with them. On the contact stickies I see no difference in contact details so should I just deal with Stuart Higley as I did for my bank account charges? Any advice very gratefully received.....
  13. Stuart Higley Ground Floor National Westminster House 225 Shenley Road Borehamwood WD6 1TE Good luck - I got all my data last year and they kept fobbing me off but with Xmas I had to just leave it. Got a very suprising letter 10 days ago offering me full amount without me even chasing past the prelim letter.
  14. miavega

    Mbna Advice

    MBNA seem to be the best at paying out at the moment - in your shoes I would ring customer advocate office on 01224 672628 and speak to Paul Minney, Colin Pugh or Yvonne and tell them you are a member of CAG and have seen that everyone else has had contractual interest paid so you want it too - work out which is the higest rate you have ever had and do a new schedule of charges and work out new total and then just tell them unless they offer full settlement of that amount you will go via MCOL and pursue court settlement. they offered me 8% and as soon as I said no they recalulated at 27.9% - m
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