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lorrainemiller
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Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Just a quick message.My claim is for £4960 plus £1005 int @ 8%.I have taken in forms to court and got a claim number.Is it too late to add on this months charges?Ironic really , I haven't had any since May and then this month things go bad again.Got statement this morning saying charges of £209 plus £5.80 interest will be debited in the next 28 days.

I know I have to wait till these are actually debited to add them on but is it worth an email to let them know I want these back aswell?Who to?Charles Bacon seems to be the answer to all these questions is it Him and whats his email address.Thanks anyone...

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They won't add them on but what might happen is that when the claim is settled you find out that they have been cancelled - that's what happened to me without having to ask.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 2 weeks later...

Well, I really thought I would be the one test case where they decided I had really deserved all those charges and wouldn't get a penny back....I WAS WRONG!!!!!

Last Night at 9pm I received back 4 amounts described as corrections of £950 each and a 5th amount of £956.36 totalling an amazing £4756.36!YIPPEE!!

My claim was for £4960 plus £1009.15 interest plus £250 court costs so my calculations show a shortfall of £1462.79 which I will obviously be wanting back too.They are not getting away with any of my money now.I also have this months charges of £209 to claim back so will be sending an email to Charles Bacon this morning outlining this.Many thanks to all for help esp. Dolly and Davisc02.Cheers...Will be donating once all settled without hesitation, would have been almost impossible without the templates and advice,Thanks again.

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Well done Lorraine. I don't think you'll get the shortfall without a fight. They've paid me out half so far so i'm not waiting for the 28 days to expire from the acknowledgement.

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Wait to see if they pay the rest in, or your letter telling you how much you are getting.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks everyone.Have sent email to Mr Bacon as follows

 

Dear Charles

Re: Claim No 6AS01502

Total amount on court claim form: Total charges over past six years:£4960.00

8% Interest under sec.69 of cc act 1984: £1009.15

Court Costs: 250.00

Totalclaim:£6219.15

 

Paid into my account yesterday 4 payments @ £950

1 payment @ £956.36

This totals £4756.36

 

According to my calculations this leaves a shortfall of £1462.79

 

I have phoned the courts to see what my next steps should be to recover this shortfall and they have told me to send this email to you and let them know your response....

 

I would also bring to your attention that this month a charge of £209 plus £5.08 interest will be charged to my account.

May I ask for a refund of these charges in full.

If these unlawful charges are not also refunded I will have no option but to take these to the court aswell which will again incur interest and court fees.

 

Awaiting your response

Yours sincerely

Lorraine Miller

 

Does this seem ok or do I sound a bit agressive...I'm really a very nice person...normally!!!

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Well every day gets better.Two more payments just in;one for £1000 and the other for £256. I am now only £207 adrift.I have also had charges of £214 this month which I have emailed Charles Bacon about so I will now sit back for a week or two then decide what to do.I'm off to buy a new dishwasher, as I have actually been washing up for the last two weeks!!!Quelle Horreur!!!

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Had my final letter today(with the exception of my account closure notice)from the office of Charles Bacon.In response to my email they have outlined what they have refunded.My claim was for £4960 they calculated charges at £4756 which they have refunded.Interest of £1009 and court costs of £250, all refunded.And this months charges of £214 all cancelled.So in the light of all this I am prepared to accept their slightly revised figure as I was unsure of a couple of them.So this is one big success story and from start to finish took me six weeks(although I already had all my statements).Many thanks to all....

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