Hello, Hoping someone can give me some help. I came home today to a letter from Lowell Financial chasing a debt of £3540.52 on behalf of MBNA. This debt is at least 8 years old (possibly as old as 10 years) and I haven't acknowledged it in at least 6 years. What course of action should I take. I've read recently that courts have been overturning a procedure called statute barred? Is this correct? Should I ignore the letters? Help!

Hello all, I'm looking for advice on how to approach several DCA with settlement offers. More specifically, the removal of default notices when I am settling the debt. I have recently sought help on several debts that I have outstanding - all currently with DCA's (7 in total, 5 of them have had small payments made and 2 haven't) - and I am now in the very fortunate position where I financial support to settle the debts. This is a really great opportunity for me to repair some of the damage I've done and I was wondering if someone would please provide me with advice on the best way to approach this with the DCA's? Ideally I would like to remove all trace of the defaults on these debts, rather than "default satisified". Is this possible? Any help would be greatly appreciated, thanks

Hi, I successfully managed to get my charges refunded by BoS last year. This claim with RBS is much bigger and just when I was about to start the claim, I was advised to await the outcome of the test case... since I now believe that things have moved on, I am looking for some guidance. I have a claim of £5700 to put to RBS for charges levied on my account over the past 10 years. The account was closed 2 years ago. Can someone give me some guidance on how I should proceed.... I have all my statements and have calculated the charges. Who should I claim through? Should I write directly to the bank? As it is over £3000 what should I do? I really don't want to mess this up! Can't afford to lose the claim - any help will be greatly appreciated! Thanks

Thanks!! Surfing the holiday websites now

Hello all, Just an update to those of you who have helped me.... BOS have settled my claim - in full. £907 credited to my account today And now for RBoS £7949 - my ex-employer!! :o

Thank you all for your help! Will read all the links and more than likely come back with some more questions! Want to make sure I get the BoS claim right as I have a much larger claim to start against RBOS - £7989!! - and they are my ex-employer :o Thanks again, toots xx

Hi Mad Hatter3, Can you tell me how you go about doing this or where I can get the information? I've been getting fobbed off for days by the BoS.... supposed to be calling me back!!

Hello! I am seeking some advice. I submitted my preliminary approach for repayment letter and schedule of charges totally £906 on the 14 May. On the 26th May I received what appears to be the standard response from a Thomas Langan stating that my complaint was declined. I then sent a LBA letter off on the 30th May and I have received nothing back. Should I proceed directly with submitting a claim (am slightly nervous to do this as I think I can only claim for max £750 in Scotland?? - I do not know anyone with an address in England) or should I send another letter to the BoS?? Your help will be very much appreciated. Thanks!!