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    • In a strange twist of fate he called me yesterday and agreed to refund me on the car. I am due to drop it off on Friday and hope he sticks to his word. I am still going to produce the rejection letter as a safety net in any case.   Thanks to those who have replied on this post. I will keep it updated.   Mark.
    • Hi there my husband has a Vanquis card i applied to get the ROP refunded which they shut me down on this was back in Aug 2018 on the letter they sent him telling him no they did state they would cancel the ROP with immediate effect, roll on to this week and i come across one of his statements and low an behold they are still taking it, so my question as they have still been taking it i have obviously phoned them to get it stopped and the past 2 years refunded do i use the CISheet spreadsheet to work out the interest he has been charged on these payments his statements show a 3.99% monthly which i believe is 59.93% APR can someone confirm my calculations please im a bit rusty, i also have asked them to recalculate his ROP interest refund as i heard some were wrong and i've asked them to re look at the complete refund claim as well whilst they are at it, if im reclaiming the whole lot is this again the CISheet at 59.93% as 1 £5.50 ROP charge from oct 2009 shows £876.77 interest ??   any help would be great not done this for a long time last one was bank charges lol.
    • Hi, if a terminated credit card claim has been struck out by the court, appealed and lost (ie still struck out) - is the balance therefore zero? Can a 2nd claim for the same card (terminated>6yrs ago) be presented against me for a different amount.
    • When did you pay the £20? was it before the default letter or after?  Exact date and to whom the £20 was paid is key to calculating the SB date.  It could be construed that paying £20 or any figure was an acknowledgement of the debt and could re-start the SB clock.   Important to understand the date but I concur with the other CAGers that it is probably not something to worry about.   As an aside I fought (and won) an argument with Lowells over the default date.  They were trying to assert that the Default date was later than it was but I was able to disabuse them of that idea thanks to having the original Default Letter plus also getting it confirmed by the original lender (Vanquis).  They sent me the exact same copy of the Default Notice as part of their SAR response so I say again a good idea to SAR Mint so you know where you are and you are then ready to rebuff any bullshit from the DCA.  
    • Hermes have submitted an AOS.   
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despot67

Mackays huge charges and other lenders?

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Im after some general direction on a couple of issues and would appreciate some advice.

 

First one is the missus ages ago had a Mackay's card - they kept on adding charges and she ended up paying double what she owed due to them passing the debt to allied international. She agreed a settlement figure(which I advised her not to do) and paid them in full but everyone but her was in pocket.

 

Allied never wrote to state debt was settled even though she asked them too. Suddenly last month Fredricksons contacted her and have since stated Mackays have asked them to collect a further £300. Allied on the phone state its closed but neither company will talk to each other.

 

We have sent Allied a prepaid envelope asking for confirmation of the debt being settled and complained but still nothing.In the mean time Fredricksons ring daily. I have sent them the letter today stating not to ring as on the phone they assured me today they weren't harrasing us!!!! yeah ringing at all hours, waking me up as I work nights and upsetting the wife who is now out of work and has a young baby.

 

Should we write to mackays stating this is in dispute?

 

Also one general ask - over the years we have had a couple of loans taken against the house and when we paid them off we were stung for charges big time. In fact our mortgage doubled as a consequence. Even though these debts were settled somettime back can we dispute them as to the amount of charges and get money back or payments protection?

 

Thanks for any help.

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