oh ok great stuff thanks. Also what about billed deferred finance charges and billed finance charges. Can i claim these too? Thanks again Leah

thanks its not something i remember agreeing to either but i think i will leave them off to be sure. Thanks again Leah

Hi i have my charges list back from my cahhot credit card and each month i have been charged a membership fee ranging from £4.55 to around £13.00 a month? Can i calim this back? Thanks Leah

big smiles from me. Came home after day from hell to a wonderful letter from DG offering the full amount. Yeah will sign and post tomorrow. Donation on its way. Thanks to everyone who helped. Can someone move the thread to winners pls and amend title for me thanks. Leah On with Natwest now!! :D :D :D

I got a letter offering half too. There is a letter in the templates libary along the lines of i will accept as partial offer and continue if necessary through court to claim remaining amount. Goods luck and keep us posted. Leah

Posted letter this morning to DG accepting as offer as PARTIAL settlement and that i will still be pursuring the remaining figure, through court if necessary. Will keep you posted. Thanks Leah

Hello all, firstly fab website and so many great tips. Anyway following all advise on here and all stages i issued my MCOL to FD on 20.11.06 for £2342.00. Today i have rec'd a letter from DG Solicitors offering half - £1171.00 as full and final settlement. I could do with this money this side of xmas but want to accept as partial settlement. Should i call the Solictors and speak with them directly. I never added any of the interest on to the charges as this was my first claim and didnt want to appear to greedy. So if i had added interest on i can only assume that the final figure may have been somewhere in the region of £200 more. Or should i write them and ask for it all. Can someone help with a template letter? I am really excited about this as now i can go full steam ahead with all other accounts and credit cards knowing that im not going to get knocked back. this site will def be getting a donation from me. WooHoo!! Any help would be greatly rec'd. Thanks Leah

Hi just to say that it seems like you got exactly the same kind of response as me. i am claiming £2222 back. Although i did claim for the overdraft fee as i only have a £500 overdraft with FD which is fee free - apparently. They charge you £30.00 for anythime you go over your agreed limit then £25.00 per day you remain over this limit which is the excess overdraft fee. I lodged my money claim on 20.11.06 and they acknowledge it 24.11.06 so they have 28 days to decide what to do? Keep us posted with how you go. Best of luck Leah

I have received a claim form. Asset Link Capitol (no2) Ltd are taking me to court for 3967.67 inc costs. For 3 account that i held with GE capital - comet store cards. I have put in that i wish to defend some of the claim as i was just about to write off to see what unlowful charges there were applied to my accounts. Im just a bit worried now as i only have 28 days. what do i need to do in order to get a break down of costs and charges per the 3 accounts and not just lump sum. Also would i speak to Link for this or GE Capital? What happens if i dont even get a response within 28 days? Pls help on this ASAP. Thanks ever so much. Leah

Hi Just a few questions that i hope someone can help me out on. I run a free credit report as i have had a fair few credit cards over the years and could not remeber all. So i have an additional 5 to claim for. But i only have the last four digits of the account numbers. Is there a template letter that i can send asking for info relating to any charges applied on the account with out full account no?? Also I have another 5 credit cards that are being dealt with by a debt collectors. 3 of these account are also from above where i dont have the full account number. Do i send the info to the credit card company or the debt collection company? Also last one - promise. 4 Of the additional cards that i have located thanks to credit report are items that i bought from a big electrical store on store credit. They were all time retail cards. 3 have moved over to GE Capital and all show as credit cards on my credit report. Can i still claim these? Sorry if i have confused you but i hope someone can understand my confusion and help me. Thanks Leah

Yes i did use the templates. Im claiming over 2 grand - could this be why. i m going to go through the claim thing on saturday when i have time to sit and read it through properly. Thanks for your help though. Leah

Hi, First post on here but i have been looking and geeting as much advise andknowledge as possible. Anyway sent FD my first letter stating that they owed me £2222.00 in charges and please refund. Return letter was standard trash - part 2 operating your account Blah blah blah. Sent second request and got a similar letter back from Mr R Kernaghan. I had a quick look at money claim but being honest it is going over my head this bit. Is there a more simple version. i really need an idiots guide for it. Also how come FD will acknowledge peoples claims instanly and refuse others. Its really strange. its making wonder if i am right to request my money back? Any advice would help please. Thanks Leah