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Applying for charge returns


nextcall
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I don't know if anyone can help with this - I am trying to claim back from banks and credit agencies, but I lost lots of documents in floods! Is there any legal claim that I can make these banks / credit agencies release my account information to me? I see lots of different terms used in these threads but I don't know what they mean :oops: Also, I have been contacted by a couple of companies willing to "help me" with my claim; are any better than others or are there any to avoid??

 

Thanks for taking the time to read this

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firstly:

http://www.consumeractiongroup.co.uk/forum/showthread.php?280601-Warning-over-debt-clearance-claim

 

do it yourself!

 

now, sar every company you need statements from to complie your schedule of charges

unless you already have all the statements

 

one sar per company only needed £10 each SAR

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you - sorry, lastly, if I make a claim against a company / bank that I currently owe money too, can they close my account / demand repayment as of then?

no they should not take any retalitory action they can get fined for that

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 years later...

blimey that's a gap

 

so how did you do then

 

did you estimate what you should have gotten?

 

when did they do this

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes big gap. I cheated and went with a company for the first, then followed your templates for the others and used the protocol and jargon from the first to estimate my return.

 

Welcome: £4500 (2 separate returns)

Lloyds £1200

London Scottish: Awaiting decision.

 

Thanks for your help!

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