Five Defaults and Unfair Charges

[Petecag]

Dear All,

 

Please see the following information:

 

Abbey National Bank Account - Defaulted on 15/12/06 - Charges of £901

Halifax Current Account - Defaulted on 09/04/05 - Charges of £272

Halifax Credit Card - Default removed - Charges of £745

Egg Credit Card - Defaulted on 07/07/05 - Charges of £120

Natwest Current Account - Defaulted on 05/11/05 - Charges of £288.85

Barclaycard - Defaulted on 08/11/06 - Charges of £300

 

I settled all of these debts in July 2007. I've calculated the unfair charges without any addition of interest.

 

My primary objective is to attempt to have the defaults removed and then to recover the unfair charges. I've read through a number of threads on the forum and I'm a bit confused about the best course of action I should take. I have prepared an initial Default notice request letter to send to each of these lenders but I'm unsure whether this is the best course of action.

 

Perhaps some people would be willing to share their experiences with these companies. Any advice or help would be very much appreciated.

 

Thanks, Peter

Edited October 8, 2009 by Petecag

[Readalot]

Good plan. I think you should first collect as much information as possible about the charges. Calculate the charges with interest using spreadsheet available on CAG website. Than use standard approach with every former creditor. Preliminary letter asking to repay charges and remove default from CRA's, LBA, court action. Consider also reclaiming 'general damages' for defamation of character and ulawfull default entries in credit registries. Case law is on your side here. Though, probably it all would take very long tame.

[Petecag]

I'd appreciate it if someone could advise on the following issue.

 

I sent Barclaycard a Letter Before Action on 3rd November 2009. Barclaycard then wrote to me on 9th December 2009 agreeing to refund charges of £400.76 but stating that they had notified the agency responsible for the account and the balance would be amended accordingly.

 

I settled the debt in July 2007 so there is no outstanding balance. I was expecting to receive a cheque from the agency (HFO Services) but I haven't received anything and I've been unable to get through to them.

 

I'm unsure about what action to take now. I suspect this is a tactic by Barclaycard to distract my claim. Should I just go ahead and issue a court claim? Given that I sent the letter before action more than 4 months ago would I need to send a new letter before action?