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worried about balance still owed


meltoadhall
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we had to chop up our cap one card last year and now pay £10 a month. we finally got them to freeze interest but if i try to get all the charges and interest charges back will they demand all the money we still owe back straight away?

would like to try but worried about the money we owe them as we cant afford it.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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It's extremely unlikely they'll demand all the money back. What they will do is (eventually) credit the charges back to your card account, so it may actually help both parties.

 

The total worse case scenario is that, after refunding all the charges, they pursue you vigorously for the debt - if you have already told them how much you can afford to pay them realistically each month (ie £10) then there's little they can do above and beyond that.

 

I say go for it ;)

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Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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hello MELTOADHALL.

having the same worry as yourself. 3/1/05 £23 over my £200 limit 6/1/06 balance £555.86 intrest and charges frozen.payment plan spoken about but never enforced 4/8/06 still not paid.Prem/Lba both sent out for charges before 3/1/5 which i have paid plus the charges i havnt.( to been waived) so that i may continue to use may account.

Mon 14/8/06 will be court fee day.

i will keep you posted.

Ladyhawk

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thanks, will be keeping an eye on how you get on.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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  • 2 weeks later...

well there was no response at all from the prelim letter, so today i am doing the lba in preparation for tomorrow when the 14 days are up.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Good, there is no substitute for being prepared.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 4 weeks later...

today got a letter from robert udy offering £272 because they have now dropped their charges to £12. nope i want my £789 back, although i will tell them they can give it to my account as a partial payment.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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just rang them, a nice man karl johnson rang back to say this is it take it or leave it, so.......... see you in court then. He did say that other people have the same complaint - I just bet there are!!!!!! strange though he couldnt seem to give me a breakdown of the charges.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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It is regrettable that matters escalate to a County Court claim but there is no other option in response to their malarkey (...I love that word).

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 1 month later...

well its been a while, but i have finally got around to doing the court claim N1 form and now its filled in.

tomorrow off DH goes to the county court to make the claim.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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and its done !!

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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It may be no indication at all, but they sent me an offer of the full claim sum about three weeks after I filed the claim at the County Court.

 

Hopefully you are nearly there.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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I hope so, it was deemed served on the 12th.

That would clear the majority of the balance and give me peace of mind.

And then on to the next one!!

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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  • 2 weeks later...

got the letter offering full and final payment, not that they are admitting anything of course!!

shame they are going to put it on as refund on the card, as its a closed account while i pay off the debt. but it nearly pays it off so well worth it.

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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can someone change it to ***WON*** please

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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change to WON please

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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