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  1. Can someone please help me with this. I've contacted RBS Credit cards in an attempt to obtain my old card number, with a view to reclaiming PPI premiums. The bank have written back to me to say unless I can provide my account or card number they are unable to trace my details. I checked the template library and found the SAR request template and would like to know if this format is still appropriate for use. I know there would have been plenty of the unfair charges on this but don't know if you can still claim for these so would any part of the letter need to be edited to suit? An
  2. I wish to initiate an action in the Small Claims Court. Part of the rigmarole for this was to send a LBA, signed for, to notify the errant business of my intentions. Done that. What I didn't anticipate was the letter not being accepted / signed for and returned to the local sorting office. Twice. As far as I can tell I've fulfilled my obligation, if such it is, and made good effort to notify them. I presume there should be no hinderance to ploughing on with the case ... ?
  3. Re: help and advice needed please Hi Please could someone scan over this letter I am going to send the mortgage company to explain my hardship. I have used a template but filled in my relevant info. any feeback would be gratefully recieved before I post tomorrow. many thanks. To Whom It May Concern: I am writing this letter to explain my unfortunate set of circumstances that is causing me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modif
  4. Hello, I have just been made redundant and I am currently preparing an appeal letter. I plan on beginning legal proceedings if thee appeal goes against me and I wondered if I could include a Notice Before Action in my appeal letter in order to save time? Many thanks
  5. Can anyone tell me the regulatory Act which regulated Moneylending before the CCA came into operation in '74 and point me to the Act itself? Thanks A1
  6. Hi First of great site been such a help reading over the posts. I have a number of complaints on going with santander one of which i have had a final response to they offer me a £100. I have written a letter before action that i want to send to them i do not want to use the ombudsman as to prove my case i need them to provide documents which they refuse to send as part of my SAR request. I have used bits out of a few templates to put my letter together ( i have never written a letter shocking i know ) I am also dyslexic plus not that great at expressing my thoughts on
  7. This action (beginning a private prosecution) has been discussed in some of our Bailiff threads, well the process has actually been started by one brave soul, though its against Police Officers, not Bailiffs. http://m.guardian.co.uk/uk/2012/jul/15/police-accused-kidnap-private-prosecution?cat=uk&type=article A district judge has given the go-ahead to a private prosecution against two Metropolitan police officers alleged to have kidnapped a man and threatened unlawful violence when they arrested him at his home, the Guardian has learned. Amazingly though, presumably the evid
  8. hi - I have recently been offered a new role which I accepted and duly signed a new employment contract and handed my notice in at my current employer (1 month). However since then (about 1-2 weeks ago) my personal circumstances have changed and therefore I wish to remain with my existing employer. I have spoken to them and fortunate enough that they are happy to retract the notice and let me continue working there. However, I know I have signed a new employment contract with the new employer, so how do I handle this without actually starting the new role in a few weeks time? I have onl
  9. Looking for some advice before I do some aspects incorrectly. I am claiming PPI. I have downloaded the FOS rolling credit calculator and I am aware of the FOS forms to send to originators of PPI, just need to clarify one or two points. 1. Do I approach the originator of the credit, even if they have sold debt to DCA, I presume I do but just checking. 2. Do I hit PPI and unlawful charges at the same time. ( I am aware the calculations are separate in their calculations and on separate forms) or do I claim PPI first then go for unlawful charges. 3. I had a Debenhams store
  10. Barclays chief executive Bob Diamond has been summoned to appear in front of the Treasury Select Committee on Wednesday Vince Cable has admitted banking sector is a 'massive cesspit' Barclays, HSBC, Lloyds and Royal Bank of Scotland were censured for selling risky and inappropriate insurance to thousands of small firm Barclays failed to act on three internal warnings about conflicts of interest Bankers who have committed crimes must be brought to trial, Justice Secretary Ken Clarke insisted today Six UK Barclay traders could be extradited to the US to face criminal c
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