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  1. Hi, I have a similar thread on Barclays. I have some old credit card charges on my Cahoot card from 2002/2003. I have the statements!!! I have plugged the charges into the compound interest calculator and the total comes to: Charges: £275 Compound interest (24.99%): £7842 Total: £8117 Do Santander/Cahoot settle eventually or are they courtroom bruisers?
  2. Hi all, I am new to this forum, so please bare with me as I get hang of how it all works. My story dates back to 2006, when I took out a secured loan with Blemain/Together finance for £25k. This was to pay additional bills and to do some repairs on my property. I brought the property in 2003. This was the first time I took out a loan, I had no real knowledge of the best type of loan to choose, which is why I did the loan through a broker, who pass my application to a third party Loan Options, who recommended Blemain finance. They were both paid a commissio
  3. Hi everyone, I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card. Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused. I then sent a LBA and their response is basically the same. Below is their reply to my LBA: (Two letters for the two accounts but th
  4. Hi, can someone help please. I over stayed the maximum 2 hour parking in Tesco car park (private eye) a few times and now I’ve been sent a charge £250.00 or they will take me to court. Could someone advise me what to do please
  5. Hi I would like some advice please. I owed the freeholders of my lease some service charges that were a total of 436.62. In mid Aug I telephoned them and they demanded I pay in full immediately. I tried to discuss with them some payment plan but they would not accept anything just a demand to pay it all or they will instruct their solicitors. I paid 250.00 by direct debit at the end of Aug. 10 days later in early Sept I receive a letter demanding 436.62 be paid. I called them and told them that their figures were wrong Both they and
  6. Hi everyone, following on from extremely similar cases, i requested documentation for service charges of a flat i own. Accordingly to regulations (Landlord and Tenant Act 1985 Section 21, as amended by the Commonhold and Leasehold Reform Act 2002 Section 152) they should have provided evidence within 21 days. 25 days later they sent me some receipts making up 25% of the charges. I asked them if that was all they had for that financial year and they confirmed this. So I had these checked and found usual irregularities like wrong calculations for shares and of course all the missi
  7. I wonder if someone can help me - Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now. Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees. I think these add to over £2500 throughout my hardship. I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me. Any advice as always is appeciated!
  8. Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me an
  9. Hi all Been reading up on Shelleys and Martin2006 threads ( which are very good indeed ) and looking in doing the following credit card charges reclaim. MBNA card - Defaulted around 2007 - cannot check accurate date as dropped of CRA and NO DN in SAR. —————————Credit Card Charges reclaim—————————————— Total Charges = £521 Total Compound Interest @ 24.90% = £10.699.22 Total Claim = £11220.22 ( which is WHOPPING ! ) Outstanding Balance with DCA £4500 ——————DCA————————— MBNA card taken out 2003. They then SOLD the debt of
  10. Hi, I've been with Brightside Car Insurance for last two years, however my auto renewal wasn't a great price but I was away working and I totally forgot to cancel in time & it was renewed. Luckily I got back within the 14 day cooling off period and called to cancel and asked how much I would be refunded from the first monthly payment taken via Direct Debit (£60)..I realised I would be charged the £25 cancellation fee & for number of days cover provided. The advisor said he could only cancel the policy and was unable to confirm the refund amount & I would have to ca
  11. Good afternoon, In a nut shell. Opened a BC CC in Mar 2003. Missed a few payments which meant that i incurred Over Credit limit charges. Over the course of the next 14 years, it escalated. Despite missing payments and over credit limit charges, BC doubled my credit limit on 3 occasions, June 2009, March 2011 and March 2014. Leading to more financial trouble for myself which was impossible to get away from at the time. Finally got back on track in 2018 and managed to clear the balance, but still incurring interest and some charges. Prior to each limit increase, my
  12. Have a car hp agreement, regulated by the CCA 1974 Had a dd bounce. just checked the conditions.. and its stating 25 for a bounced dd, AND 15 for a letter. Surely, they can't do both.. the costs are supposed to be 'reasonable' and a true reflection of the costs for a failed dd
  13. Hi All From recent activity and instilled confidence boost - going through all my SAR's and have literally hundreds ££ of charges to be reclaimed. SO - Initially Thinking of reclaiming unfair charges for a Lloyds CURRENT a/c running through Sep 2001 till 2007. The current account is now closed and has been sold to DCA. Just wanted to confirm ( as not many recent threads on this subject ) is the best route to take ( as over six years old claim ) is : - 1 ) Court Action ( MCOL Claim ) ? including Pre-Action protocol. Just read from from an old post c.2013
  14. hi again to all,not been here for a while, anyway here goes- I have two accounts with Blemaine Finance/ Together, both accounts are serviced up to date however i have had charges applied when i lost my job around 7 years ago, i have been chipping away at these over the years to stop the interest mounting up, i want to look at reclaiming the charges 'if that's possible' the charges are described as follows- Multiple letters at £35.00 Dishonoured receipt charge £35.00 Cancellation of building insurance £75 Building insurance block policy charge £30 Building insurance £30 Mont
  15. Hi all, Firstly apologies if this is in the wrong category. I’ve been with TalkTalk a few years now, not had a problem with them in all that time until my youview box stopped recording a few weeks ago. I called up and made an engineer appointment that I missed as I was stuck in traffic when the engineer arrived. It was no big deal, I called up and re arranged the appointment. My complaint is, when I first booked the appointment the agent explained the charges for missed appointments. When I rearranged the appointment I was told I wouldn’t be charged, they would wai
  16. Hi, I've got a problem with the delivery for an eBay item I purchased from Japan, and hope someone can provide some helpful advice. I received a letter from Parcelforce saying the package was subject to Import VAT of £14.08 plus a Clearance Fee of £13.50. My problem is that these charges are wrong, not incorrect, but wrong. The sender uses a tracked mailing service, and the address label on their packages ( I have bought similar items from them before) shows the value of the contents. My guess is that someone has misread the value, which is typed not handwritten, hence
  17. Received my bumper pack from my SAR request and contains about 500 pages of stuff plus a CD, after going through this lot I now put the info onto the CISheet which shows total charges of £3806 plus £5013 of compound interest equalling £8820. Ocean Finance charged £1000 for setting this all up which I guess is their secret commission Plus there is another £2000 in legal fee's not added to the account but held in limbo and to be charged at the end of the loan term. My question is do we proceed like we used to when claiming back bank charges and is this the correct letter to use?
  18. Hi all. Today I received a letter detailing my arrears on my mortgage. Now Kensington have recently took over my mortgage from GE Money. GE sent a final letter to us a short while ago showing arrears of around £8000 (bad I know) but now Kensington have sent me a letter (received today) showing : Payment Arrears : £8946 Other : 0 Insurance Related Charges : 0 Fees and Security Related Charges : £4496 Total arrears : £13442 Does anyone know what the hell FEES AND SECURITY RELATED CHARGES are and can they add that much to an already heavy debt/burden? I dont know
  19. Hello all, Unfortunately I was made aware there wasn't enough money in my account to cover a DD to Hitachi. I put money in the account on the same day but it must have been too late as the payment was returned later that day. The next day I have rang up to make payment only to be told there is a £22 charge which is automatically added. Do I have any grounds to claim this back. The credit payment is £25 a month is seems unjustified that the charge is nearly as much. I asked them to clarify what the charge was for but the kept referring me to the contract I signed. This happened 3
  20. Hello All, Ive been a HA tenant for just over a year , so I'm now an assured tenant. Last year I recieved a list of service charges, which at the time seemed a little off/excessive, but being on a starter tenancy I sucked it up as to not cause trouble. This year however, I would like to dispute some of the charges and I was wondering what the best way of doing it was. I've looked all over the intertubes but there is very little out there. I've emailed the contact address on the letter outlining my concerns, and I'm awaiting a reply, but forwarned is forarmed as they sa
  21. I own an apartment which I used to live in around 5 years ago before I moved into a house with my girlfriend, since then it has been let out and I have been paying all of the annual maintenance fees. I gave them my new correspondence address and they have been sending letters for the annual maintenance fees since then. In January 2012 the current management company took over from the previous management company. In May 2012 they applied a £114 late payment fee to my account. I disputed this, didn’t pay the fee and asked them to waive it. They did not respond and they have not chased me f
  22. Environment Agency seeks Boaters’ views sought in consultation on proposed charges READ MORE HERE: https://www.gov.uk/government/news/boaters-views-sought-in-consultation-on-proposed-charges
  23. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossessio
  24. I took out a 10year secured loan from Ge money ten years ago this was transferred to prestige finance in November 2015 . The loan is at an end but I still owe 3800 . There are charges and interest on charges on this account approx 2000 without any interest etc . Can I claim these back I believe if I could it would clear the balance left . Also I've got to still pay this and cannot pay the whole amount . Do I offer to pay the same amount as I have been 600 per month ? Will they charge me more interest ? Also if I can claim who do I claim off Ge or
  25. Hi Quick question. I was looking to buy some parts via a retailers online store. When I went to pay it showed the 2nd class postage charge, at the point of putting in my postcode (Scotland) it went from £1.95 to £3.95. Being as bit surprised it changed I put in a Nottingham postcode and it dropped back to £1.95, so was sure it was a location charge. I emailed the store and they have said Royal mail charge by both size/weight and location. I accept that is true for parcels, but I thought 1st & 2nd class post was by weight/size only? Thanks
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