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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 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
  3. Hi All Had ROP on a Vanquis credit card between 2007 and 2011 of almost £400. I defaulted in 2011 and the debt was sold to Lowell in 2012 and is still outstanding. Can I claim back the ROP as it is over 6 years old? Can I claim from Vanquis even though the debt has been sold to Lowell? If I can reclaim would Vanquis pay me or or pay Lowell to reduce the balance)? Is there a standard letter to claim? Do I need to calculate interest or will Vanquis do that? Any advice gratefully received. regards Steve
  4. My girlfriend and I went along to a trial session at a local fitness centre we had been told about. After the session, we sat down in the café and received a free (freshly ground) coffee as we discussed joining permanently with the trainer. The conversation was brief, 5 mins max. It involved an iPad on which she showed us the booking app they use and details of the different memberships. We opted for the couples membership at £88.20 per month (endorphin levels were sky high so this sounded like a great deal at the time) plus we get some free gear and a club-branded item of cloth
  5. Hi all, I recently had an episode where a customer services manager definitely sniggered when I asked for compensation for being on hold for over 30 minutes to resolve a very simple issue. I called her on it and complained and today, after four chase-up emails to the person 'dealing' with the complaint, got the following response to my asking if the person replying to me had actually listened to the phone call in question as opposed just taking the manager's word that she had not sniggered (as she had alluded to): I’m afraid we’re unable to listen to the call you had with Ra
  6. Hello there, Around three months ago I received through the post a letter from I believe Barclaycard ? saying they now own Citifianical and that years ago they think I held a CC with Citi which I did and they believe I had PPI on that card. Now time wise im talking at last 8-10 years ago. I never missed any payments and never do and I genuinely cannot remember if I had PPI. I have PPI with no other items. I filled in the enclosed questionnaire and in the letter they said theyd be back in touch shortly. I have just this morning remembered the letter I had from them
  7. It's obvious that the government is making it so difficult with benefits they are hoping that everyone will just give up claiming but I didn't know whether to laugh, cry or head butt the wall with this situation and just wondering if anyone has had similar problems because apparently the people in front and behind me in the cashiers queue had the same issue!! Had a medical appointment in London yesterday for my ongoing vertigo issue and am on UC at the moment (although haven't received anything as yet due to my last pay packet back in July!). However I can't remember where but someone tol
  8. Hi, Recently some friends and I went on holiday to a villa rented through AirBnB. While there we cracked a plant pot, and some soil leaked into the pool. We spent the penultimate day cleaning and scrubbing the place because we felt guilty and left the place in pristine condition. We left at 8am, the host had guests in at 12 noon the same day. Upon being home a few days, the host put through some damages for us to pay amounting to a staggering 684€. This included; - Cracked Plant pot (80€) - Damaged IKEA towel and damaged IKEA bedding (50€) - Pool Cleaning (50€) - C
  9. Hi, I believe I've been incorrectly claiming Tax Credits for the past several years. I'm in the process of 'officially' moving in with my partner (we're getting married in a few weeks), changing my electoral role, bank details etc from my parents house. I looked at how I notify HMRC of my change in status (I'm self employed) and actually for the first time read the definition of 'living together as married' - which was a bit of a shock. Through total ignorance I should have been making a joint claim, not a single claim. I have stayed at my partners property varying amoun
  10. Hi all. Right so I had a Vanquis credit card, it defaulted in 2015 with about 3k owing. Ive had various letters about it from Cabot (whom the debt was assigned to at some point) and Dydens. In 2016 I recived a latter from Drydens, threatening legal action and also making lots of inaccurate statements about the CPR and legal process, etc...I replied to Drydens asking for the usual stuff, letter of assignment etc, they replied saying they were halting any legal action. In 2017 I received a letter from cabot again saying no legal action would be taken. Then last week I re
  11. Hopefully someone can help me with an issue I currently have with paypal. I bought a bed online for £399 and paid with Paypal. When it arrived it wasn't as described. I followed the returns instructions on the seller's website which involved them organising collection of the bed. It went back to them and I received an email confirmation from them that they had received the bed back. They also said I would get a refund in 3-5 days. The refund didn't show up and I raised a claim with Paypal. I explained in my claim that the item had already gone back to the seller and I had confirmat
  12. I recently entered a contract with an estate agent called Remax signing on the 21st of March 2018 due to the failure to get one visit booked within the first week whereby there was 350 online views and a failed attempt to cooperate with another estate agent to work together in selling the property. I didn’t hear from the agent in a week and he didn’t respond to a message I sent him asking for an update. Hence, I decided to cancel and go with another agent. This is the wording from the contract: If you are a consumer client and this contract was not agreed within our premises
  13. Just after a bit of advice. I have successfully defended a claim brought against me and at the end of the hearing I asked the Judge if I could submit financials for consideration. I was told I could claim £45 for a half day hearing attendance but no more. The case has actually cost me £1200 to defend (time off work, mileage, parking etc) which is of course a tad annoying. Seems unfair that I can be dragged through the civil legal system, win the case and be out of pocket. Is this normal?
  14. Hi Im trying to claim mortgage charges on a mortgage taken out in1984 and redeemed in November 2004 initially with Alliance&leicester the initial period was 25 years and the total of the charges is£1,555.00 plus compound interest total £2,527.69 This claim ia now in the small claims court and Santander solicitors has submitted a application notice to get the claim struck out and the hearing is on May 3.In a letter received yesterday they mentioned section 5 of the limitations act and said the sums claimed were irrecoverable. They say i can withdraw the claim and pay santande
  15. Hi Please, can you help me? I got into terrible debt many years ago. Abbey tried to repossess my house after a court hearing, but I sold it in time for not much profit. I had loans and credit cards outstanding and I got a CCJ for one of my credit cards who charged me a lot of PPI. It is seven years down the line and my Experian credit score shows clear. What I want to know is, can I reclaim PPI on all my mortgages and loans and credit cards from over the years? I know my CCJ is still enforceable, but this card was the main offender. Thanks
  16. Update for Carillion workers: claiming redundancy payments READ MORE HERE: https://www.gov.uk/government/news/update-for-carillion-workers-claiming-redundancy-payments--2
  17. Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of
  18. Hi all, This is a weird weird situation. I recently found to my delight my previous employer had overpaid salary, basically I was only due (and given) a week's notice, of which I have proof (submitted at the start of claim), and I started my claim for JSA IB and HB at THAT point, yet I now find they paid a month's notice. I was posted a payslip which shows the excess AND with it, a P45 which also erroneously shows my leaving date as if I were given a month's notice!! So, a strange one, I think you'll agree. I have outright proof - a letter from my employer, signed b
  19. After several year's absence I'm back as agreeing to a PPI claims company searching they discovered several accounts of different persuasions which they said had PPI on it!!!! I certainly don't remember agreeing to this by banks etc at the time but my problem is that 2 of these accounts were mortgages and as the last one was paid off in full back in 2012 can I ask for my money back without any account numbers? Can someone point me to the correct information section as I had problems just locating the letters section to reclaim late payment fees - mu
  20. Or avoiding £8 handling charge from rm? My mum and dad gave me some money for my birthday and I went about buying a new phone through mums card. Decided on a Redmi from banggood and all was well. My friends mum told me that I should ask for the parcel to be sent via swiss post which I did. So I come home from school today and my mum has a right face on her like dragging on the floor kind of thing and whats happened is shes had a notice through the door asking for and extra 11.42 for charges £8 for rm and 3.42 for tax? dad said i cant do nowt about the tax but maybe with rm cha
  21. Hi all, Will be claiming HB with a tenancy agreement dating back to 2011, it's a full 8 page Assured Shorthold Tenancy document, signed by myself, the landlord and witness. All above board and legit. A few questions though; 1) Would the JC likely question this, given how old the document is? I have claimed JSA before during my tenancy but didn't realise I was entitled to HB until now. 2) I would prefer they do not contact my Landlord (unless for a special investigation or some such) as he has previously expressed unwillingness to co-operate (that said he owns a flat
  22. Thank you for taking the time to read my problem. For the last two and a half years ive been selling virtual items on ebay whilst claiming DWP. A week ago I was asked to attend an interview at my local Job Centre, of which I did and was told by the interviewer that I had been informed on for making money and not declaring it. I told the interviewer I had indeed been doing that and he asked me to bring 3 months bank statements in next week. I went home that same day and printed off 3 months bank statements and as I did so the realisation hit me that I was in a lot of trouble.
  23. Hi guys, quick question here: I had an IVA from 2005-2010 and successfully finished it and it became statute barred in 2011. In 2013 I claimed PPI from one of the creditors, EGG and they took a chunk of the reward to settle the debt which was written off after the IVA was completed. I understand that they can do this as they were the original creditor and even though the debt is statue barred it still exists until it is cleared, it's just that they can't chase me for the balance anymore. we come to today and I have written out to all my past credit card & loan p
  24. My husband and myself both contracted out of SERPS in the 1980s. I was contacted earlier this year by Zurich to say I was entitled to my Husbands pension money. My husband died in 2005, and Zurich have told me that I must buy an annuity with the money, but unlike everyone else, I am not allowed to take a 25% cash lump sum. Is this correct? If so why? thank you for reading
  25. Many people had their Bank Holiday weekend ruined thanks to IT problems at British Airways. If you were affected by this - you are entitled to compensation. You will find out how to do this in the articles linked below. http://www.bbc.co.uk/news/business-40082519 Apparently the sooner you submit your claim, the better - it could take months for them to settle !
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