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  1. So for a quick recap, I had an account in 2009 with Vanquis. Account was sold to Arrow and Rectums put in a claim form. they never responded to my defence so claim was auto-stayed. Full thread here if anyone wants to read: https://www.consumeractiongroup.co.uk/forum/showthread.php?477307-Arrow-restons-claimform-old-Vanquis-Card-debt-statute-barred Now I don't know where my head was, but only found out a few days ago that Vanquis are refunding people. Looked on their website and they state if you owed Debt purchaser money, it would be offset, etc. This can be found here: https://www.vanquis.co.uk/existing-customers/repayment-option-plan-refund Now I have a spreadsheet where I listed all my ROP as well as charges they put on my account and was wondering if I should get reclaiming? It is statute barred. I've attached spreadsheet for info. According to Arrow I owed them £700 (from a £200 credit limit on the card) VANQUIS-CAG.xls
  2. hello am I correct that late mortgage payment fees/field agent visit fees can be reclaimed via the small claims courts?
  3. Does anyone know of a website that I can use to refund my money from a dormant back account as I had an old TSB bank account now Lloyds which has a small amount of money which has since been closed (tried mylostaccount.org before). I've already been in my local Lloyds branch today and they advised to me to reclaim the money. Thanks
  4. Is it possible to reclaim catalogue fees from Littlewoods/Very on accounts over 8 years old now and have subsequently been sold to DCAs? i would like to know if its likely to be successful.... so i can get some money back and use it to pay off some other debts If so i understand i send them a subject access request but i havent' got a clue what the account numbers were etc? any way around this? what do i do?
  5. Hi all, after 3 attempts, GE Money have FINALLY sent me a working SAR. First disc wouldnt recognise the password, second disc was completely blank! Anyway, Ive spent most of the morning going through this stuff and it doesnt look like they hit me for any insurances. But going right back to the beginning of the mortgage there is a list of charges that Im not sure about so could anyone advise if any of these might be reclaimable? Purple Loans Arrangement Fee £352.00 Lenders Legal Fee £170.38 First National Completion Fee £100.00 Insurance Fee £25 ( for processing documents relating to my own insurance) HLC (Higher Lending Charge) £236.19 Thanks all.
  6. Hello I would like some help please. I was a member of virgin gym, I cancelled my membership in March 2017. In April/May the gym became David Lloyd Gyms. I was contacted by David Lloyd in September to say I had 3 months gym membership fees overdue. I told them I cancelled my gym membership in March. They then passed me on to a debt collecting company called ACE. They kept calling me and told me the amount I owed had increased. I told them I cancelled my membership in March. They said they would investigate. After 8 weeks or so, ACE called me again to say they had proof I had used the gym in July and that If I paid 1 months membership fees and their costs on top then the debt would be cleared otherwise they were going to get a CCJ against my name as I am a homeowner this could affect my mortgage etc. I panicked and paid them the money even though I struggled to get it together. The amount including their fees was £125 I've had the feeling that I have been conned ever since. Could someone please tell me how or if I could try to reclaim that money as I am 100% sure that I cancelled my membership and should not have had to pay anything. I am going to contact Virgin Gym to confirm if they have any records of when I cancelled my membership. ! If they do, can I request it in writing? Would I then just contact ACE with this evidence and ask for my money back? Or do I need to contact somebody else? Whats the procedure? If I should write a letter could someone help drafting it? The debt company said they had proof I used the gym in July but I didnt as I have never been back there since it changed to David Lloyd. Can I request them to send me this proof and if so how? Am I able to do any of this or will the fact that I already paid them mean its too late? I know I should have done all this before but at the time I knew nothing about this, never dealt with a debt collector before and panicked. Since then I have spoken to few friends and work colleagues who have given me advice on the steps to take mentioned above. My english is not great I have asked my friend to type this. I hope someone here can help me and guide me in how to reclaim my money because I know they have conned me. Thank you.
  7. I had a Halifax Current Account for 7 years. I know that during that period I had received numerous bank charges for being overdrawn. At the time, I was on the sickness benefit called Incapacity Benefit. Would I be able to use the Social Security Administration Act 1992 Section 187 to reclaim all the bank charges?
  8. I left lloyds in June 2017, I was made aware that I may not receive my bonus and expected not to. I however did get paid my bonus for 2016 which I worked in full, worked my notice period in 2017 and thankfully left the bank. No one mentioned about this being paid back. Over 2 months after I left I then started receiving letters explaining I now had to pay back my bonus and that lloyds had paid it in error. Am I legally bound to pay it back seeing as they have paid it in error. As it's taken them 2 months to let me know I have now spent the money and am therefore not able to pay it back. Any advice would be greatly appreciated!
  9. Hi I had read that if you had a store card Santander are the main bank that deal with these complaints so decided to try their new online complaint form: info.yoursantander.co.uk/ppicomplaintform All I had to do was say what stores I had the cards with and fill a few details in and they did all the work for me. Really recommend using this if you are unsure as to what cards had ppi on as it saves you losing such a large amount of your money due back if complaining through a company as it only takes a few minutes to fill in I had accounts with currys, Debenhams, Dorthy Perkins and kwik fit and got a letter in the post a few weeks later saying how much I was owed. Hope this helps
  10. Hello all, I am hoping to get some advice as to how to proceed with my complaint regarding barclays bank charges on my account. My history: Since my original account was upgraded to a First Additions account in 2006 with a personal overdraft I was under the impression at the time that increasing my overdraft limit incurred fee's onto the account and was paying initially £5 per month until upgrading in 2006 with a larger limit for £11.50 per month. My account was upgraded again to £14.50 a month (additions plus), and i cannot recall if this was automatic or whether I was given an option at some point by a barclays staff member. I can assure you that I did not need any of the packaged services on each of these account; did not use any of the services provided as I wasnt even aware of them until finding out on online banking which is when I phoned barclays to remove all of them, as I was unable to over the internet - upon speaking to an advisor at barclays I explained that all I wanted was an overdraft and I wasnt happy that I was paying for services that I didnt need... He then referred me to the complaints department and after many weeks I have been given a lengthy questionnaire regarding an 'initial investigation' conducted by Barclays. I note in the questionnaire notes it states: "You held a non-fee paying account from July 2002, until you upgraded in July 2006 indicating you were aware of the account and that it was not necessary to pay a fee in order to have a current account" I would like to note that this account was opened with my Grandad at the time, as he introduced me to Barclays originally and I was merely present and not fully understanding of the circumstances. The investigation notes go on to say "You used your overdraft after you upgraded your account and this shows that you were aware that you had this facility as part of your packaged bank account". "You previously had an overdraft which you used before you upgraded in 2006. This shows that you were aware of the benefits of this account and that it is not necessary to pay a fee in order to have a current account with an Overdraft". The extent of the 'products & services' that were bolted onto these accounts were unknown to me at the time, and over the years bumped up the monthly fee's from £5 to almost £15.00 - I stress again that these services aside from not being disclosed to me, were practically useless for me in the circumstances that I was in and most therefore rendered useless. I feel that the response from Barclays indicates that they feel I should have known about the cause of these charges, without entertaining the fact that I was not fully informed about the product I was being sold. I wanted an overdraft with an increased limit, that was all. I really hope I can get some advice on how I should proceed with this case, do I fill the questionairre in and send it back? They have said they will proceed with the investigation using their information without me returning it either way... Thankyou in advance for your help. Jason
  11. Hi I did some work temporary for a company from October - December 2016 Today they have sent a letter saying it has been discovered that I was overpaid on my January pay by £435.70 and they want it repaid as it states in my contract 'if an administrative error has been made on pay, the company reserves the right to recover the overpayment' I asked for a copy of my signed contact showing this. They have sent me what looks like a standard contract template with my name in and wrong start date. I then went back and asked for the actual signed contract with my signature on and dated (which I know they don't have as I never signed a contact) to which they have replied 'We do not hold a signed copy on file for you as we didn't receive one' I asked for payslips too as they were online and I cannot access them as now an ex employee. Payslips show they have underpaid my holidays be 3 days and also missed off 12 hours of overtime... Also if I am to pay this or some of this back where do I stand on tax and ni as I have paid those based on the full payment? Looking for some advice before going back to them Regards Richard
  12. Hello, I posted on Saturday a letter to Santander reclaiming over 2 k of bank fees (template from this site) . It contained a paragraph in which you say what has happened - lot of death in my family and lost biz too. It was a very painful letter to write. (I kept it just a paragraph). Today they texted me they had been trying to call me and to call back. I hadn't answered since I am avoiding calls from anyone (not in a good place). I feel sick. Do I have to talk to them? I don't think I am strong enough to hold it together on a call (now my keyboard is wet). Kicking myself.
  13. Hello With all the PPI exposure now days, i didn't realise that it was applied to Credit Cards also. I would like to ask if anyone can recommend any credible companies? Thanks
  14. Has anyone got an address to contact Future Mortgages so as I can try to reclaim my charges?
  15. Hi members, I have recently received a final response from Lloyds about a huge number of charges applied to my graduate account which ultimately lead to it being defaulted and closed. Basically in 2012-13 after I graduated, I fell in to quite severe financial difficulty and became reliant on credit to get by. My graduate overdraft of £2000 was usually maxed and I started using payday loans even after I lost my job (I know, different story). I requested all my statements from Lloyds to see how much they had charged me in fees and interest etc before I was defaulted. The total came to over £700 in the 12-18 months of difficulty and this sum is mostly made up of unauthorised overdraft fees and interest on top of them. In Lloyds response they simply say the charges were 'applied correctly' and invite me to call their recoveries department to arrange repayment. Even though I'm still unemployed, I told them I'd be happy to begin a payment plan if they removed these charges, but they're having none of it. I want to take this to the FOS but I've had such mixed experiences with them in the past (loads of complaints re payday loans), and I don't know the best way to go about it. Is it possible to still reclaim charges such as these or will the FOS rubber stamp Lloyds response? It seems ridiculous that over 40% of my debt to them is made up of overdraft charges on what was supposed to be an interest free graduate account! If anyone has any suggestions of how to approach the FOS with this or any success stories, please let me know! Thanks
  16. I believe Halifax Bank Aqua Card are stonewallers who will not refund penalty charges. I shall therefore take my reclaim for 8 x £12 penalty charges to County Court now that Small Claims Court has shut. Any shareable past experience from going this route, thanks?
  17. Hi all bit of advice please sorry if am posting in wrong place. Can I still reclaim mortgage arrears charges from Kensington? It's from a closed account from 2007 Thanks
  18. Hi When my Dad's boiler broke, he called a company from the phone book and the engineer they sent told him he needed a complete replacement of the boiler and quoted him £2600. He charged him £1000 deposit and said he'd be back the next morning to replace the boiler. The same evening, we found another gas fitter who came over that evening and found the problem was with one part and replaced it and serviced the boiler for £370 in total. So the original engineer mislead my father into believing the boiler needed replacing and he didn't do any work. I'm not sure what the best approach is to get the deposit back from the original engineer. The Consumer Contract Regulations stated there should be a 14 day cooling off period where services can be cancelled. There's a template letter for this over on the which website. There is also the The Consumer Protection Regulations which gives consumers 90 days to "unwind" a contract and claim the money back. This seems to be the better option as it is specific to traders misleading their customers. Does anyone have experience of claiming back from traders using this method? Is there a template to use for this? Many thanks
  19. HI I have another thread live on the mortgages section: http://www.consumeractiongroup.co.uk/forum/showthread.php?429557-Late-payment-charges-made-mortgage-in-arrears I'm starting a fresh thread so there are less pages to read through. In essence Woolwich gave me a penalty charge - this then had a knock on effect every month. Every month the mortgage got paid but their penalty meant the balance was always in arrears - which meant W kept giving me more and more penalties. I couldn't work out why they considered me in arrears as I thought I was always making the right payments. It actually took few years to get to the bottom of it all as they failed to reply to my letters and life got busy so I forgot to chase. It was only on threat of repossession that I really dug deep and made the discoveries. Anyway - moving on.... I re-mortgaged last year with a different lender. Now I want to make a claim for all the penalty charges Woolwich imposed on me, during the tern, plus Compound Interest and maybe - if it is possible - compensation too...??? I sat down and looked at all the statements and I worked out there were many £000s of charges !! Plus CI this makes a very big claim... I need to act fairly quickly to keep my claim in small claims track. If I leave it more than a few more months the CI will raise the level to above the small claims limit. I have had a look at some of the Prelim letters. I have used some already on other accounts. But as this is a (btl) mortgage account is there a different law that governs reclaims? Most of the letters I have seen seem to refer to a 2006 law concerning credit cards? Or is it just a question of altering the words? Also - I currently have a claim against Bcard. Will the same head office team potentially deal with the W mortgage claim too? Or should I wait for the 1st to be dealt with before claiming on W?
  20. Hello all, I've spent the last couple of hours reading various threads and I have learnt a great deal. However, I need some advice and opinions from you good people. I was involved in a non-fault accident last month. At a four way junction, I was travelling straight ahead and the third party was travelling the opposite way indicating to turn right. At the centre of the junction, where the third party should have stopped and waited for me to clear his path, he did not and hit my car on the front drivers side corner. Dashcam is installed in my car, shows the accident clearly. Also shows a satnav obscuring the third party view of the road quite clearly! Third party is a taxi driver driving a taxi and told me that his vehicle was also fitted with a dashcam. The third party admitted liability the moment he stepped out of the vehicle, although, I'm quite aware this verbal acceptance doesn't mean anything. Police were called as my car was not able to move, so they had to make the area safe until my car could be recovered. Fast forwards to this last week. My car was deemed a total loss, my insurance and GAP insurance have agreed a price and currently I am waiting for the money to enter my account from both companies. Now to the matter of my excess which has been deducted from my settlement payment. My insurance company has informed me that the third party/his insurance has not responded in any way to accept liability for the accident and that I will need to use their recommended legal service (Carpenters Solicitors) to reclaim my excess. My question is, at this moment in time as I have not accepted any help from Carpenters Solicitors, although, they have been instructed by my insurance company to contact me, do I have to use them? Or am I better to try and reclaim the excess by myself by approaching a local solicitors? The only reason this thought has crossed my mind is after reading numerous negative reviews for Carpenters Solicitors. There are two amounts I wish to claim for: My excess and £80 for my private numberplate to be transferred from the old car to the new car. I'll be very thankful for any advice and opinions.
  21. My Dad is 75 years old and in a conversation with him the other day he told me that Nat West were closing his account. He said it was one of those where he paid a monthly fee but never got anything out of it, he said he'd never used any services that it offered and when I asked how long he'd had it and why he'd taken it, he said that he'd had it probably 20 years (although his memory is a little hazy) and he said he hadn't asked for it, they just told him he was getting it.....I want to try to claim back his monthly PBA fees, should I start with a SAR request and take it from there? If so, which SAR letter do I use? Any help would be greatly appreciated.
  22. Hi everyone I am in the process of complaining to payday loans for a bit of a reclaim on extortionate interest/ charges and fees by payday loan companies i started using these companies back in 2011 the problem is that i have limited knowledge of loans i took out- i know the companies- but was crazy back then and just borrowed all the time and have no real records of what i had from where Can i just ask the PDL companies for a breakdown? Do they have to give it to me Thanks for the help
  23. Hi Can someone give me some advice regarding a letter I received this week. It started last week when I sent a letter away asking for a refund of charges made to my account over the last 6 or 7 years, within a week I received a letter regarding another matter linked to my account informing me of a refund I was due. In the letter I received they had included some figures and said my account was to be paid off in full and the extra money that I was due was to be sent out to me by cheque in the next couple of weeks. This as you can imagine is a pleasant surprise but I was also wondering if the figures they are quoting are correct and that I am receiving the correct amount of money due to me. The company in question are ( london & scottish) who were taken over by a firm called .. this is who I received the letter from. I also downloaded a document relating to ( London & Scottish : In Administration) which I am finding quite difficult to understand fully, the way I am reading it I reckon I would be due more than the figure they have quoted. I was wondering if I could pm one of the forums administrators with the info I have at present for himself/herself to have a look at their conveiniance. thanks
  24. Hi Having read through the Barclays thread on credit card reclaims I'm looking for similar experiences from Lloyds caggers, and not come across any so far, only PPI and bank charge reclaim. is that because recently there have not been any successful credit card reclaims with Lloyds:???:
  25. I was wondering whether someone might be able to help me. I put in a request for my previous 6 years of statements in order to claim my bank charges back in 2009. I still have the statements and would like to put in a claim as I still fit the category of 'financial hardship'. However, I was wondering if these statements can still be used as proof of charges as after speaking to them today, the bank currently has no records of my account (they only keep 6 years). I also have over 150 pages to send (!) will this be accepted? I closed the account down around 2009. Any advice on this would be greatly appreciated.
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