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    • Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on   I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I've wanted to claim my bank charges back for a few weeks now.But to be honest I was terrified to go up against my bank!I have even felt physically sick just thinking about it.But I have been reading through this forum for weeks and I have even asked some questions which helped in my decision.I have opened another bank account and now I am ready!So I am sending off the subject access request letter and £10 fee by registered post first thing in the morning.I am still terrified going up against my bank but I know they have taken at least a couple of thousand out of my account over the past 6 years in charges!And these charges have at times kept me in the red.At these times it was impossable to keep my head above water financially.I suffer with depression and the worry when all charges were taken out of my account stressed me out soo much.So here I go come tomorrow morning the process begins!

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Just a good luck message for you. I'm also claiming my charges back from HBOS and Halifax Card Services. It is a daunting process but try not to feel intimidated by them. The only advice I can offer is to read the posts in this forum thoroughly so that you are confident in what you are doing and understand the legal arguments that back up your case.

I have had three offers from the Halifax so far. The way I see it they wouldn't be giving me a penny if they felt I didn't have a point.

Be organised, informed and determined and if in doubt use the great help that is available in the forum. Best of luck to you!

 

Chris

Won!!! :D

 

Halifax Account (1st) - Claim settled in full!!! Claim started on 12th August 2006

£3,345.26 paid into account on 26th October 2006

 

Halifax Credit Card

14/09/06 - LBA sent - Total charges being claimed = £605 + interest

10/10/06 - Moneyclaim filed

29/10/06 - FULL AMOUNT PAID INTO ACCOUNT

 

 

In process...:confused:

 

Halifax Account (2nd)

Statements received, prelim letter poster...

LBA posted 13/3/07

MBNA Credit Card

Statements received

 

 

Next in the firing-line...:-x

 

GE Capital Bank Ltd

Clydesdale Financial Services

Hitachi Finance

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Thankyou so much for the support supermac008.I have read lot's and have downloaded the letters I need from the templates.A friend of mine is also in the process of reclaiming bank charges so we talk this has also helped in my decision to go ahead.It is frightening going up against such a big organisation but I am ready now....thanks again.

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Good luck

Don't worry yourself too much If I can do it any one can:D .

Just stick to your guns and to the right procedures and you wont have any problems.

Carlie

HALIFAX - SETTLED IN FULL - 26TH SEPT

NATWEST - SAR SENT FOR ICLE BRO - 27TH SEPT

ALSO GOING TO START CLAIMS FOR MUM AND DAD:D

BE A STAR GIVE 5% TO THIS SITE

:p IF YA LOVE ME CLICK THE SCALES:p

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