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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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attempting to get my money back from YB!!


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well, I received my statements no problem after sending them £10. I then sent of teh initial letter to them asking for my charges etc plus interest back. They then sent me the usual letter they have sent everyone else who are attempting claiming back their money, so now I am in the process of sending the LBA. Confusing this one, I have it on my desk top ready to fill in, but I have no idea how to calculate the interest incurred because of the charges - help anyone? I hate anything like this, as I am not up on stuff and it ususally takes a while for some things to sink in - but I am not giving it up! They owe me my money!!! Can anyone help and instruct me S L O W L Y what I am supposed to do LOL.

 

I'm still impressed with PJ Dudley!

 

Regards - Patricia C

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lol thanks Patricia. As far as interest mentioned in the LBA letter is concerned, basically it's any debit interest that has been incurred on your account because of the charges. It is very difficult to work out exactly how much of the interest relates to charges, and what is just general o/d interest. Depending on how much the debit interest amounts to, it might not be worth bothering with - it was £20 max on my claim. If you decide against claiming the debit interest, just delete that part from the letter.

 

Hope this helps :D

 

PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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There are spreadsheet templates in the forums library and you can use these to calculate the overdraft interest. I think it is the advanced version you need, but it is quite easy to use so don't worry about it. There is help in the General forum if you need it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks guys! I'm understanding things better each time a look in the forum. But, can you confirm these terms are the correct ones I am asking fro refunds on. Just trawled through all my statements and teh amount comes to £844 over 6 years! Not inc interest. The amounts I have calculated have these terms adjacent to them: UnauthO/D fee. Unpaid Chq Chg. Charges to DR A/C on.. Unpaid D/D charge. - Am I right in thinking that all of these terms are relevant to my claim?

If so, I will proceed to enter the amounts on a spread sheet, and enclose with the LBA...Correct? Incidentally, was getting a bit angry when I was totting teh amounts Up and saw how much they'd taken off me - that's just about the same amount of my overdraft with them at the mo!

 

..also, the letter tehy sent back to me a couple of weeks ago lists all kinds of reasons why they were right to deduct, the leter starts: "during this time the relationship between you and the bank was governed by the bank's standard terms and conditions" and they enclosed a leaflet on how "addressing Your Complaint" did anyone else get this?

PJDudley...you're my hero! Thanks again.

 

Patricia C:confused: :confused:

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that would be heroine Patricia :D lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. Also visit legal seagulls for more friendly help and advice.

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You need to do a preliminary request for payment before proceeding to the LBA.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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