Jump to content


  • Tweets

  • Posts

    • Hi,    I'm new to this forum and hoping for some advice!   I have various overdraft, credit card and loan debts, which are all a bit of a mess:   Barclaycard (2 cards) = £14,000 (1 card suspended, but not in arrears) Lloyds CC= £3,800 Tesco CC = £3700 Natwest CC = £650 Natwest Loan £17,000 Natwest OD = £1,400 Halifax OD = £1,500   Currently, I have not missed any payments, but I'm reaching a point where these debts are becoming unmanageable. I have just about kept up with repayments but now all 0% have ended and minimum payments are increasing making it impossible.    I am considering a debt management plan... Reading through other people's experiences, dmp's seem to have mixed opinions and I'm also unsure if I should use a company like Step Change or Payplan whether I'd do better approaching the various creditors myself.   My wife also has debts, but much less (approx £10k and up to date, but struggling). Is it prudent for us to both start a dmp, or will that effect our long term plans if/when we want to remortgage/move down the line? (i know it'll be 6 years after default before these will disappear from our files).   As it stands, my min payments next month are approaching £1k, which is absurd. What kind of level of min payment would I expect to pay in a dmp?   Also, there seems to be a lot of advice on obtaining CCA's. At what point should I be asking for these, or is this something best left until the debts are inevitably sold on?   Sorry for the multiple questions!   Thanks in advance,   A    
    • No I have not  . . . there are two loans bought by Intrum.  An overdataft debit and a Loan. The Overdraft debit has not been settled.   . . . It is still going and it is in the Simple Procedure Court  . . .  and this is what my post is about The Loan debit has been settled by accepting the dicounted settlement.
    • Thanks for the info. I actually got it wrong, it's not in the tenancy agreement, they were just told verbally when signing for the house so even less of an issue now. The agent did say if they had smart meters installed then the landlord would charge to revert them back to standard meters. I've already told my daughter they have no legal grounds to impose such a charge.
    • A shortage of shipping containers, rising costs, and congestion at ports are holding back imports from China. View the full article
    • Hi,   Thanks for replying. I don't have a copy of either the judgment or the claim form as apparently they sent it to my old address in my previous name. I've never seen them at all. I refused to give them my current address as I didn't think that was a wise move. I've researched a little and not sure that 1998 loans can be statute barred like other debts. I am a bit stressed over it all though, so I'm not sure of anything at the moment
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Abbey & Moorcroft


Please note that this topic has not had any new posts for the last 3833 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have a Abbey Bank Account that is fairly new. (last 2 years i suppose).

Anyway, i had the card registered on ITunes and they debited the card for 79p. My balance went over by 49p and i got charged. I have no overdraft agreement and they charged me £26. I argued with them and got nowhere and told them i wont be using the bank anymore.

I have been receiving letters from them and ignoring them. It has now been transferred to Moorcroft and they are saying i owe £166.97. I have logged into online backing and my account is overdrawn by £166.97.

 

What is my next move???

 

I am adiment that i am not paying them all that money as it's just all bloody bank charges!!!!

Link to post
Share on other sites

Hi Ripper,

 

Do you have statements to show how the o/d balance rose to £167.

 

If it is all charges associated with the 49p o/draft, did you write to them to query the level of charges being disproportionate to the overdraft amount.

 

Have you written to Moorcroft to query or complain. If you just ignore them, the problem may get worse and not just go away.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Slick,

 

Yes i have all the statements relating to the amount and they all relate to charges. I have had several phone conversations and letters to Abbey but they just dont back down.

 

I havn't replied to Moorcroft yet but i shall do that straight away. My guess is that they wont give a damn and carry on.

I have claimed (successfully) charges back from Halifax and Natwest before so i know the process. Do you advise me to start the process and send the letter to Moorcroft to show intention that i am going to fight this???

 

Thanks

Steve

Link to post
Share on other sites

Hi Ripper,

 

If you are in financial hardship, you may have a chance of reclaiming the charges.

 

If not, you can can only reclaim them if you can show that the bank has treated you unfairly or mishandled your a/c in some way.

 

Since the OFT test case found in favour of the banks last year, you can no longer claim bank charges back.

 

Credit card charges CAN still be reclaimed in full, although this won't help you here.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Slick,

 

Since i hav't got a pot to p*ss in i would say i fal into the finanicial harship case.

 

What would you say was my next move???

 

Steve

Link to post
Share on other sites

Hi Ripper,

 

Start off looking here - http://www.consumerforums.com/resources/templates-library/48-bank-templates/117-letter-for-an-application-for-consideration-for-hardship

 

If you want to reclaim bank charges going back a while, you may improve your chances of success if you can show that you were in hardship at any given point in the past.

 

Remember, you can't reclaim past charges because you're in hardship now, nor can you reclaim present charges because you were in hardship previously.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...