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can you claim all your unfair charges, even if you owe the bank/credit card money??


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It will only have cost the company a tenner to get your details, and the spreadsheet wouldn't have taken a great deal of time either if someone used to excel was knocking up the spreadsheet.

 

Just a thought, are the company properly registered to do claims? If not, they shouldn't be doing them, so I don't think you should have any problem getting out of the contract.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hi caro

EDIT

 

i did tell them my situation about being in debt with all these credit cards and bank when i first started dealing with them.

 

the lady asked me last night if i wish to continue with citi, they have already sent them a few letters, now they are about to take them to court. i did tell her yes, but im sure i could change my mind if i tell her, there wont be enough money to pay them if citi keeps the money to pay towards the debt.

 

i requested a copy of my signed agreement from citi back in aprill,the debt collectors acting on behalf of them write to me every once or twice a month, to tell me they are in the process of getting the copy still.

 

she said the court papers she needs me to sign are in the post,

 

michelle xx

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Well if they haven't got the copy by now....

 

This isn't my area of expertise, but I'm getting in touch with someone who can help you better than me.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If you have the time and inclination to deal with your creditors on your own accord then do it! You have all the help you will ever need within this very forum. I've only had a brief read through your thread, I'll endeavour to give it a more detailed look this evening. Correct me if I'm wrong but are you looking to reclaim your charges from your creditors and use a CCA request against them too?

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hi sequenci, thanks for replying,

 

i had a credit card with citi financtial a few years ago,

im no longer with them,

back in aprill this year i requested a copy of my signed credit agreement,

from the debt collectors the debt was passed on to,

the debt collectors (hillesden securties) write to me,every once or twice a month to explain they are still in the process of getting it from citi financial, and as soon as they recieve it they will pass it on to me.

 

i was gonna get a company to reclaim back my unfair charges from this credit card, the company are at the stage where they are sending me court papers to sign. but there fee is 25%, im not sure i will have enough to pay them, if citi use the money to pay of the debt.

 

michelle xx

 

the company has just got my money owed to me from capital one which capital one used to pay of a debt i had with them (all of which was made up of unfair charges, that was also about to go to court.

 

capital one was another credit card debt i had that couldent produse a copy of my signed credit agreement,instead the debt collectors who i thought at the time had bought the debt of capital one, sent me a copy of my application form.

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i would like that. but i do find the whole going to court thing nerve racking,

im such a shy person lol, it is true though!

will i be able to take of where the reclaim compay as left off?

i would ent have a clue where to start! xx

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Mich the instructions are step by step on this website it is so easy once you get started - BE WARNED - it is very addictive. If you get stuck anywhere along the way there are loads of people who will be more than willing to assist.:)

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Mich the instructions are step by step on this website it is so easy once you get started - BE WARNED - it is very addictive. If you get stuck anywhere along the way there are loads of people who will be more than willing to assist.:)

 

 

thanks linz

i hope the company will let me pull out they should do,

they have just made 173 pounds of me with ca[ital one.

 

im gonna tell them, if they use the same tactics as capital one did and use it to pay of my debt, there wont be anough money to pay them.

 

michelle xx

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If the debts are unenforceable, there will be no need to claim and the company you use won't get a penny. I really don't think they are trying to do you any favours claiming back charges, although not all cases are the same.

 

I'm sure sequenci and others here on CAG will help you through.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks linz

i hope the company will let me pull out they should do,

they have just made 173 pounds of me with ca[ital one.

 

im gonna tell them, if they use the same tactics as capital one did and use it to pay of my debt, there wont be anough money to pay them.

 

michelle xx

 

Hi,

 

If they have ever tried to claim back from Citi they will be glad to let you out of the deal you have with them. :o Citi's solicitors play hard ball and will not take any notice of any CCA requests etc. What is it you are hoping to acheive with a CCA request?

I would suggest that you tell them that you no longer require their services and when you ahve your paperwork back from them start a thread in the Citi forum so we can help you with your claim. It may well be that you will not actually get anything in your hand, but you will get your debt reduced, or paid in full whatever the figures work out at.

Consumer Health Forums - where you can discuss any health or relationship matters.

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hi gizmo, i requested a copy of my credit agreement back in april, when i had debt collectors threatening to come to my house and take goods ect, i do have a thread going about my problem with debt collectors,and alot of kind people are giving me support.it was on that thread i was adviced to request my credit agreement.

it was before i had discovered this web site, that i got in touch with this company who trys to get back your unfair charges, to be honest at that point when i contacted the company,i would never of had a clue on what to do if i was going to do it myself.

michelle xx

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Hi Mich,

why are the company not requesting payment to yourself?

I thought the idea of these companies, was they took their cut from the refund you get, not you having to find money to employ them:eek:.

If it is the case that refunds have to be placed against the debt, even more reason for you to do it yourself. (I think you have realised this:) )

You can do this on your own Mich, with the help and advice here, and IF any claim gets to court, you can get a Buddy:) .

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi Mich.

 

You've got some top notch support on your thread (i'm not including myself in that) who would be able to get you through any battle.

 

However, if you still feel nervous, don't forget there's the Financial Ombudsman Service too. They dealt with my Abbey claim and i've just sent off details for Egg Card charges. Like you, i'm apprehensive about court, but also, i have so much going on at the moment, i don't think i could focus on it all properly.

 

Whatever happens, i really wouldn't pay for help. Good luck and congrats on clearing your cap 1 debt. It's a good feeling isn't it? Another 1 down..... ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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