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  1. I've been sent the data, having sent a SAR to BoS. This credit card ran from 1993 to 2003. There's about £800 worth of PPI payments on there, but when I put the transactions into the calculator at 24.9% contractual rate, the claim figure comes out at over £15000..... That seems excessive and I'm just wondering if I've put the wrong figure in or if anyone else has had success with a claim this size. Here's the big question.... Is 24.9% the right figure? I'm told it was but have no proof, and there's no interest figures on the monthly statements. Does anyone know if this is the correct interest rate and if I should be claiming this contractual rate of compound interest? Any pointers would be great. Many thanks in advance
  2. 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
  3. hello am I correct that late mortgage payment fees/field agent visit fees can be reclaimed via the small claims courts?
  4. 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
  5. 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?
  6. 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.
  7. 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.
  8. 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?
  9. 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!
  10. 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
  11. 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
  12. 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
  13. Hi, really hope someone can help me. Sorry am not good on a computer and never posted a thread before. A 40 something dinosaur I am afraid!!!! Today I received a visit from the lovely Sherforce who have towed away a car that does not belong to me for an outstanding debt. Did tell them it was not my car but they took it anyway. Don't know what to do. Please help......thank you
  14. 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.
  15. 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
  16. Has anyone got an address to contact Future Mortgages so as I can try to reclaim my charges?
  17. Hi, Hope I'm posting this in the correct area. I have the misfortune to have a mortgage with what is now called GeMoney formerly Igroup, taken out in 2000 (15 year term) when I was self employed and arranged through a so called independent broker Capital Credit, who actually appear to have direct connections with Igroup/GeMoney. Over the period of the mortgage I have experienced many difficulties in maintaining the repayments, although fortunately for the last 5/6 years have been keeping up with the payments including extra towards the arrears ( which will pay these off within the remaining term). However they are now pursuing me for around £14+ k charges. I've read through some of the threads on here regarding the charges being unfair and would be grateful for any advice on how to go about reclaiming these and if at this late stage I can still do this. I have already made a SAR request and received a huge wadge of paper from them which I am about to go through to try to identify all the charges. Look forward to hearing from anyone who may be able to advise or who has had success claiming against Igroup/GeMoney Regards Barry
  18. Good evening. Summary I have recently paid off a secured loan with Paragon Finance and this contained PPI; the loan was brokered by Click Financial Limited. After reading many threads I opted to complete a claim back using the forms provided on this site, this I did in January. Paragon have replied recently to say they do not wish to handle the claim as it is before 14Jan05. They have also indicated the business who handled my application, one Click Financial Limited, is no longer trading. I have been advised to direct my enquiry to the CAB, after two sessions of over 20mins on hold I have given up and opted to try for some advice on here. I have checked Duedil etc and it appears Click Finance are dissolved, an associated business with same directors to this was wound up in January 2013. Can you tell me if I can progress this claim in any way? Surely Paragon have a responsibility for their intermediaries / introducers activities (ie ensuring they do not miss sell).. My letter from Paragon states it will be their last correspondence on the matter. Any assistance on next steps to recover the PPI would be greatly appreciated. The secured loan was repaid in Aug2012, this was ten years early and the PPI (£4k) was a lump sum added to the loan for the duration. Any assistance will be greatly appreciated. Many thanks, Area51
  19. I've read some threads on here regarding claiming PPI, charges etc from studio cards, I have had a account with them since approx 1999, and have bought things on & off since then. I currently owe £80 but about £30 are charges, over the years my balance has been paid off then used again and balance has gone up to £800 at one point. I cancelled PPI on the account last year when I used my account after having a zero balance and realising they were adding PPI. I had letter saying I couldn't reclaim for ppi after I cancelled it. I'm wondering if its worth sending studio a SAR to see what charges etc I have and try and reclaim them. I know the PPI wouldn't have paid out as I was a housewife when I first had studio account so wouldn't have asked for it anyway. Is it worth sending SARs to any catalogues etc I have/had and try to reclaim? Whether they have balances on or are zero balances? Thankyou
  20. 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
  21. 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?
  22. 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
  23. Guys Just received a letter from GE Money and am terrified. We have a secured loan of £10K with them and £1724 of arrears (Mostly from their admin charges and about 6 missed payments. Our mortgage is with Accord for £124K and we are in negative equity. I had fallen behind with payments with GE Money and they started to apply the £40 admin charges. We were then making our payment with an additonal payment to cover the arrears of £40. Basically this was just covering the admin charges. When I phoned to try and make a further arrangement with them I found them to be threatening and stating that they would take our house - so stupidly I ignored them and ceased payments. We received a default notice and today a letter stating that they have instructed their solicitors to forward an application to court and you will receive a notification of a hearing date in due course. Whilst this action has commenced it is not too late to avoid a possession ordder. Once the possession order becomes enforeceable we will have the option to apply for an appointment for the repossession of your home. We would prefer to avoid such action and if you are in a position to repay your arrears in full please call us immediately. If you are unable to repay your arrears immediately the hearing will continue. WE may be able to agree a payment plan to reduce the arrears (within a reasonable period of time) that would be incorporated into the order suspended upon payments. Whilst we hold a Possession order, as long as you maintain the agreed arrangement, we will be unable to enforce the order. etc etc. I know I should have paid this, but I hate talking to these guys on the phone. Can they really take our house and do you think there is any thing we can do to avoid court action - I am happy to agree a plan with them. I am also worried about court action because of the nature of my work if I get any court action ccjs etc I will loose my job. Please help.
  24. 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?
  25. 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
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