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  1. At the beginning of 2013 I was in the midst of payday-loan hell, mainly due to gambling. I have resolved all but one of those (who I am paying £2 a month to) I lost my job in Jan 2011. At some point Halifax allowed me to increase my overdraft from £3000 which I had from student account up to £5000. I spoke to them at the time (or a couple of months later) about the fees (£100 a month) and they agreed to pause for 6 months due to no job. They then paused them again for another 6 months. I had not gained employment in this time. After this period they would not freeze the
  2. Hi all I had a mortgage with Amber Homeloans for approx. 8 years until 2017 and due to my own poor financial mismanagement, I incurred many fees for arrears, etc. Whilst I accept fault, given the time that has passed, is it still viable to pursue Amber for any excessive fees charged which were greater than the administrative cost to them? I am about to request statements from them in order that I can collate a list of charges, but perhaps it's not worth my while? Thanks.
  3. 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
  4. Hi All, I have had a Halifax account for a long time. but it has a massive overdraft (8,700) It was our own fault and very stupid, we were really struggling with money at the time _ it was a few years back -can't even remember how long, but we had a small overdraft we went on line to increase it a bit to cover us for that month, it was so easy, we went back in and did it again till it finally declined at the above amount, but I'm sure we managed to increase it by about 4,000 in one day! things were ok and we were being charged about £100 each month in fees for always being i
  5. Brunowales

    Mbna ppi

    Hi All Just got my SAR back from MBNA. CC taken out 1998. Defaulted 2003. Informed no CCA which is good to know as DCA chasing and have been cca,d. My question is the statments show payment protection insurance as well as penalty fees for late payments and over limit. Is it too late to claim these back? Many thanks
  6. Hello, a couple of days ago I had two HCEOs barge into our home around 7am demanding money or they would be removing goods. Not having experienced anything like this before I just panicked and paid whatever they said. I've just found this forum and have been reading the posts here. From some of these earlier posts, it appears that this firm of HCEOs are well known for charging all the fees in one go which they did to me as well. Does anyone here have any advice or suggestions as to the strength of my case? This is what happened:- First off, I was aware of the d
  7. Hi Everyone, Tricky situation, but I'm hoping for some guidance, found a few bits of info on here. Unfortunately my father passed away last summer. I am joint executor (with my sister who lives overseas). Here's the background but unfortunately I don't have much paperwork - He had a small bungalow worth £225k but also a £162,500 mortgage. This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only. He wasn't great with money(his whole life tbh) and soon fell into arrears. In 2006 it was sold on to Engage Credit. We are about to finally c
  8. My daughter's nursery has asked for payment of arrears which is considerably large, i.e. greater than £1000. However, they have sent a hand written letter without a date setting out a payment plan (without consulting with me or my soon to be ex). They further state that if the payments are not made on the dates stated, they will apply am additional charge. I've read through similar threads and understand that the additional charges cannot be applied unless I have signed an agreement that mentions additional charges. Strangely, they have also given me a blank agreeme
  9. I Received a high court writ of control Today. The amount payable is nearly £400 more that the Judgement amount. Judgement Amount = £846.38 Debt owed = £1116.13 Interest =£30.76 Compliance fee =£90 Total sum outstanding =£1236.89 Are these fees correct? I do owe this debt, and was going to deal with it but then stupidly forgot about it. I have been battling high blood pressure problems due to stress resulting in hospital visits. I just need to know how to deal with this so it doesn't stress me out more than I am. I'm a single mum, we live on our boat and hav
  10. We have had a mortgage with JP MORGAN for some years and current arrears are £1600 on a balance of £165,000. We have been overpaying by £50 pm for some time without any issues apart from the odd pre printed letter from them mainly as they forgot that they had agreed to payments being made on the 1st not the 15th of the month so it appears to their untrained eye that we are further in arrears every month for 2 weeks till the payment is made. No they have transferred us to Rooftop which filled me with a little dread and low and behold within a month they are threatening possession unl
  11. My dear Dad who served in WWII and worked all his life developed vascular dementia after suffering a stroke and eventually ended up in a care home. We applied for NHS Continuing Care and was passed from pillar to post as is the case for many. The only asset he had was the ex-council house which I helped him to buy [he had lived there for over 40 years at the time] with my mother. We bought the house as joint tenants in 1985. On my mother's death in 1991 we failed to inform the Land Registry of her death [not clued up at all about these things] so the house was then jointly owned b
  12. 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.v
  13. 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
  14. Hi everyone - I'm in a sticky situation. I went to live abroad for some time in 2015 and I'm back now. I was sure before I left that my UK HSBC account was at 0 but it wasn't due to some overdraft that I gone into without knowing which later led to the account being closed. I just received a letter from Cabot today saying that I owe them a balance of £1347.86. I spoke to HSBC earlier in 2017 and they said to me that the account in question was closed and that I owed something in the region of £200 due to overdraft. I can't remember the exact details but I assume they said the de
  15. Hi guys, Hope you can help me with this please I had a call from assist claim management about ppi claim I gave them some details over the phone they came back to me after a week asking me to sign a letter of authority because they found 5 accounts eligible for ppi claim. i signed the LOA for them in may 2018. in September I came back from holiday I found over 10 letters from them some asking me to sign a questionner and a new LOA AND some of them threatening me with a bailiff or pay à fees of £300 for each account which make a total of £1500. the letters were all sen
  16. My wife has a CCJ to the value of roughly £800 from vodafone, containing what i presume would be a large value of early termination fees. She has made one payment towards this, as she only became aware of it last month (dont ask, burying the head in the sand...) Now, ive seen some members on here stating that OFCOM are against early termination fees being included in a CCJ/default? Is that correct? maybe dx100uk you know more? as its one of your posts referencing termination charges and mobile contracts that i have referenced
  17. Hi, I had a 12-month membership since Sept 2016 with Xercise4LEss. £9.99 a month, I was a uni student. I didnt realise it rolled over onto an automatic monthly membership. earlier this year I realise I was still paying for a membership I no longer used (I've now finished university). I went into the branch and asked the guy at the desk and he said it has to be done online. I went to cancel online, and I didnt have my "W-Number". -> Could not cancel. This was the nottingham branch of Xercise4Less. I now live in London. It did happen a second time I
  18. Hi, I wonder if someone can help on this matter. October 2017 - I received a Capital COntribution Order (CCO) for £52968.06 to repay to Legal Aid Agency (LAA) following a legal proceeding. In this case Rossendales claimed £362.50 as enforcement costs and other fees for a Charging Order thay they put on my property. December 2017 - I lodged a Judicial Review as litigant in person against Legal Aid Agency. The argument was that the CCO was miscalculated. Jannuary 2018 - The High Court ordered LAA to recalculate the CCO within 3 months. May 2018 - LAA admitted the misca
  19. Hi, I've gone through [removed] as they've said I can claim money back from Santander for their performance during a mortgage. They've advised me I CAN claim and to complete their paperwork. Can I ask, is this to do with capitalisation and adding arrears to the principle payments? They're very vague and mysterious as to why and how..... for obvious reasons can I do this myself? Also, can I still claim back excessive charges on my mortgage account? Any help appreciated
  20. Hi, I am currently going through the ombudsman stage, in demanding repayment of account fees for additions 2000(?) - 2004, additions plus 2004-2012 and no 'downgraded' current account with overdraft of £1, 700 and daily fees of 0.75p and £1.50 depending of if the overdraft is 0-£700 or £700 to £1,700. I have complained regularly over the years to Barclays but only had occassional fees reversed. The package account fees at worst were £192.00 per annum by 2012, whether in credit or not. In 2008 Barclays imposed a £1000 reserve with paid transaction fees on top of a pre-existi
  21. Hi all, Just a quick question. Can a private landlord charge tenancy fees every time they renew your tenancy? Only asking because we have been living in a property for just over 4 years. The original tenancy we signed upon moving in was for a period of 1 year after which it was never renewed. The landlord has now popped up after 3 years wanting a rent increase and to renew the contract (BTW we have no issues with the increase or the renewal) but he wants £50 the renew the contract and an extra £25 so he can top up our deposit to a higher amount. Can these fees be charged even though we are not
  22. Could someone please offer me advice for the following situation: Had initial mortgage through broker with GMAC House repossessed following divorce £1000’s added in fees: missed DD; late payments etc Spent six years with ccj but now with A++ credit Paratas now coming after me for £5000+ repossession shortfall after selling the house In fact I have to appear in court in the next week or so to face a money order claim for the shortfall. My question is this: is there anyway that I can make a counter claim in 2018? I understand that several years ago people whe
  23. Hi, I have cancelled my Direct debit with Xercise4less around 4 months ago due to money problems as I had just moved into a new house and didn't realize how much bills were going to cost, I did not have the money to pay them so I cancelled the direct debit through my bank account. I received the email below from the Harlands company. "We refer to our previous letter and note that you have not contacted us. You have now incurred a further £ 25.00 charge and are £ 73.98 in arrears. Under your Membership Agreement, you have promised to pay this debt. If you continue to refuse to hon
  24. 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?
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