Howdy Y'all

[southernsoftee]

Hi everyone.

 

I've been on the site for a while now, but have never gotten around to posting a hello, so here it is! Hellooooooooooooooooooo

 

I'm trying to cut down the debt I owe Barclays. I've got all their statements, thanks to Template 1, since before they closed my account, due to none payment of my overdraft. Just not gone round to going through them yet. It's a nightmare, with about 6 years of statements to go through. I know I should do it at some stage, but even looking at that pile frightens me lol.

 

I'm also trying to do the same with a Catalogue company called Ace.

 

I wonder, can anyone tell me if we can use the Banking Letters template 2 for the Catalogue company as well? I've got the statements, but i'm not sure whether the law on Banks applies to Catalogues as well, regarding late fees etc. If someone can verify, that would be great.

 

Thanks all,

 

Lisa

[saintly_1]

Tip for your statements ..... get some highlighters ........ make a large mug of tea/coffee then take it a page at a time mark each charge with the highlighter ...... once you have been through them once have a break make another large mug of tea/coffee then go through them again

 

then toy will need to input all the charges into a spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html i found the simple one the best an example of how to is found here http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/7226-maisielou-barclays.html#post50088

 

once done treat yourself to something a bit stronger than tea/coffee

 

With reguards to Ace .... the charges are still penalty charges and as such can be treated like the bank charges

 

You will find it helpful to yourself and others if you start a thread in the appropriate forum ... for Barclays thats here http://www.consumeractiongroup.co.uk/forum/barclays-bank/

 

For Ace i should imagine it would be the general found here http://www.consumeractiongroup.co.uk/forum/general/

 

Hope that helps

 

saint

[slick132]

Hi Lisa and welcome to CAG,

 

Re Barclays charges, come on over and join us in the Barclays Forum and start yourself a new thread.

 

Start off by reading here - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Have a look here for the items you want to reclaim - http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/92004-charges-can-claimed.html#post867497

 

Enter the charges carefully using the site's spreadsheet which you'll find here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

When you've listed your charges, send your Prelim Letter to your branch.

 

Use the same spready (a separate one, of course) for your catalogue charges and, when you've done that, shout and we'll point you in the right direction.

 

Good luck, Slick

[southernsoftee]

Thank you both for your help.

 

I wonder, i'm seriously in trouble with 3 credit cards as well. Basically, i've got to the stage of collections agency letters and calls to my home now.

 

Do you think it's worthwhile doing the same thing to the credit card companies? MBNA have been the worst, i've received at least 30 calls a day from them, and that's no understatement!

 

I've also been charged late fees on my mortgage, which ive not been able to pay for 6 months now. There is a possibility i'll be able to pay the backlog off in a months time or so, but either way, is it worth reclaiming from them as well?

 

The same goes for a secured loan I have. That's a bigger problem, because I doubt i'll be able to repay them, and they're looking to repossess, but would it be wise to do this to them as well?

 

As you can tell, i'm in one hell of a mess. All i'm really trying to do here is cut down what I owe them all, by getting them to put any credits i'm due back into those accounts, reducing the debts I owe to them all.

 

I'm going through CAB regarding the debts anyway, before anyone asks, but advise regarding the rest would be an advantage.

 

I'm really unsure about the mortgage and secured loan mostly, because obviously the mortgage company could repossess or close down my mortgage account if i do this to them, as i've heard banks do that to their customers if they claim against them.

 

If anyone is wondering by the way, my debts are with Barclays, MBNA, A&L, Egg, Northern Rock, Ace, and whichever one Carole Vordaman advertises for, and possibly Cap 1 as well, although i'm not 100%, I need to check.

 

Going back to sink in my swamp now, bye x

[saintly_1]

For help with DCA's this is the forum that you need to visit http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

[southernsoftee]

i have a question about the interest spreadsheet.

 

where it says 8%, do you change that to whatever the rate is on your account? or do you keep it at 8%.

 

also, how do you calculate the days lapsed?

[southernsoftee]

saintly, is it worth me trying to reclaim on the other companies, as per my second post?

[saintly_1]

i have a question about the interest spreadsheet.

 

where it says 8%, do you change that to whatever the rate is on your account? or do you keep it at 8%.

 

also, how do you calculate the days lapsed?

If you look at the example that i posted that explains how to complete the spreadsheet ...... the interest that that calculates is the 8% s69 interest

 

Tf you wish to claim back the interest that has been charged on your charges then thats a little more involved as you can only claim for the proportion of the interest that was a direct result of the charges incurred

 

 

 

 

What you really need to do is start a new Thread in the relevant forums for each claim that you wish to claim ...... as each one will require different advise and each forum has the expereienced members to help advise you

 

saint

[Hatari]

Howdy Y'all,

 

i'm a newbee so please be gentel with me.

 

Hatari

[slick132]

Hi Hatari,

 

If you have anything to ask or tell, please feel free to do so by starting your own thread in the welcome forum (previous page).

 

Slick

[vandermerwe]

Hi Lisa

 

Welcome to the site, which has not only helped me enormously but also yielded some good, kind and compassionate friends who have been very supportive at a time of need.

 

What you really need is breathing space.

 

First thing tomorrow (Monday) begin calling:

 

a) CCCS on 0800 138-1111

 

b) National Debtline on 0808 808-4000.

 

They are both charities (and highly efficient ones as well) who will give you sound advice at no charge, either now or ever.

 

It might be difficult to get through at first on a Monday, but do please persevere.

 

I'll add more if you ask, but have only just returned from hospital where my wife has just been allocated a bed after four strokes (yes 4!) since Tuesday lunchtime.

 

Good luck and keep in touch.

 

Vandermerwe