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fatboydukey

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About fatboydukey

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  1. Thanks Scott, I will have a read thru and adapt one of the templates to say what I want it to!!
  2. Hi all I did have a dmp with Harrington Brooks/all clear finance which I cancelled last month because they kept changing the dates they were paying my creditors and then I was getting letters saying they were gonna add charges etc (I fully understand how to claim back charges (am a bit of a pro hehe)) but my question now is about going it alone and sorting out the small piece of debt I have left....less than £2000 so wont take me long to pay! Earlier I rang one of my debtors, thinking they would quite happily accept a request to set up a direct debit with them but the little twerp on the phone was sounding quite disgusted that I didnt have to the money to pay in full right there and then....live in the real world buddy, or is mummy still at home wiping your behind and clearing up all your own mess??..... The offer I was willing to make was more than I was paying thru my dmp but he wanted to go thru a expenditure plan over the phone....I didnt do this coz basically I didnt want to! I then said I would write to them instead! He said they could do a 2 or 3 month plan....yeah I wish!! Now I am looking for a template I can send to all my debtors saying along the lines of....I cancelled the agreement with the dmp but obviously I have other debts I need to pay aswell and can offer you this a month.....some of them will be paid within 6 months so me doing it myself is meaning they getpaid more and quicker!!! I have written all my debts down with what I can pay each month to get me debt free within a year but I cant find a relevant template I can use to send to them. Can anyone help out there please? Cheers FBD x
  3. Hey JM I do try and remember to come back every now and then but my life has been stolen by f*cebook haha!! My claim was on hold by HSBC so I didnt go to the court stage.... Not sure where to go from here tho?!!!
  4. Hi guys Happy new year to you all!! Ok, Ive had a letter from my bank saying they wont pay back charges because they have been ruled as not unfair etc etc....are there any templates we can use to send back to them? Thanks FBD x
  5. Hi all..... Its been a while lol.... There are sooo many posts to read thru that I dont know where to start...can someone explain to me (in a nutshell) what the result meant?? Can we start claiming again?? Do we have to reword letters etc?? Need to get myself prepared incase any new 'debt letters' fall on my doormat...... Cheers guys FBD x
  6. Hi Kenny I didnt no what to do about asking for it by cheque so had the amount deducted from the balance, which was good as it cut it in half!
  7. Thanks guys, Will have a look through those links! Cheers FBD
  8. Hi guys This claim is my cousins. Some info, my aunt died last year and my cousin is now the legal guardian for his brother. He receives job seekers that is paid into a post office account and Guardians allowance and child benefit paid into his Lloyds account. Its about £30 a week and this is used to pay 2 direct debits, one is house insurance and the other tv licence. My cousin isnt the sharpest tool in the box so I help out where I can! The last couploe of months have been particularly bad for him and one month he lost track on the dates the DD's were being taken out - he ended up getting charged £40 for them being returned and he hasnt managed to get back on track yet so he is getting charged the same amount every month! I heard that bank charges cant be taken from benefits somewhere so sent the letter mentioning this and stating the Social Security Admin Act 1992, Section 187 and have asked for the charges to be refunded. My cousin finally received a response this week - I havent got a scanner so will type out one of the paragraphs, most of the other paras are to do with them spurting out about the test case... "We have considered the point u have raised in relation to the social security admin act which we believe was directed at section 187. It is our view and the view of our legal advisers that debiting these bank charges from an account into which benefits have been or will be paid is not contrary to that provision of the act." Where do we go from here? Also, he received another letter from Lloyds about an unauthorised overdraft and from what I can work out they are saying that although they dont usually do this on his type of account - if he goes overdrawn in that month he will be charged a set fee of £15 instead of the £20 usually charged for each cancelled dd etc.. has anyone heard of that? If he doesnt go overdrawn then he wont get charged the £15. Cheers FBD x
  9. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/151630-hsbc-2nd-claim-charges.html How bout that?!
  10. Hmmm, I dont know how to do that unless I copy and paste the http bit lol
  11. Hiya Ultimate I claimed the service charges because my whole outstanding balance was made up of charges!! The service charge is worked out as a percentage of the total outstanding amount on your account - for example: If your balance is £150 and £100 of that is charges then the service charge should only be worked out on the remaining £50 of the balance! They work it out on the total outstanding amount! When they replied originally I rejected their offer because they tried getting out of paying the service charge - I sent another letter explaining how they apply them and got it all back!! Hope that helps! Cheers FBD
  12. Hi Littleprincess, Good advice given above, dont let HSBC get to you!! I was in exactly the same position as you! Single mum, young kids - banked with HSBC and got charges of roughly £150 a month because same as you they let me go overdrawn but wouldnt give me an overdraft!! I ended up opening a parachute account with A&L and with that got a cheque book and debit card (my credit history was really really poor). My account with HSBC is still active (overdrawn because of the charges) I havent used it in over a year tho and wont ever use it again!!! You can have a look at my thread to see what Ive come up against so far! A bit of advice, if you log into your online banking and go to personal details you can remove all of your telephone numbers (if it wont let you delete just put lots of zeros instead)! I also changed my email address to one I never use anymore... Thats where you can get copies of the last 6 years bank statements also! Hope that helps and gives you some encouragement!! Cheers FBD x
  13. Lol, I decided that if they started court proceedings to get it back thats when I would put my court claim in!
  14. Cheers JM Havent been on here much (damm those 'social networking' sites lol) I was looking for one of my old account in dispute letters but I only had ones regarding catologue charges! This one seems a lot better! I never actually got to the court stage just sent the first and second letters. Because this is my second claim it only goes back about 2 years so was ok with the 6 years of claiming rule. Money issues etc prevented me from doing it.... D'ya think thats gonna go against me? I thought that if your account was in dispute the debt couldnt be passed on even if you hadnt put a claim in to the courts?? When I was sorting a claim for my mum with Kays they passed it on to moorcroft so I sent them an account in dispute letter and they wrote back saying they were sending it back to Kays... I need to update my claim anyway as even though I dont use the HSBC one anymore its overdrawn and they have been adding about £5 per month on (debit interest) and also I need to recalculate the interest since its been a while... I will do that and then see about getting it to the court stage! Always look forward to your helpful replies JM (and Pete of course)!!! Cheers FBD x
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