hi guys !!!!!

[thereshope!]

Hi all,

just wanted to say a big hello to everyone,really !

I havent felt as positivwe as I do right now since way back in 2001,which was prior to our debt problems.

in a nutshell,my OH declared himself bankrupt after being burgaled 6 times at his business premises.we couldnt get insurance cos of being burgaled the year before and the final burgarly left us down 14K in stock.so he had no choice.

i took out loan on loan,upped my o/d with NatWest and maxxed my ccs so we could stay afloat.

basically ,when he went BR ,all his debt was cleared and mine obviously wasnt.as a result i couldnt afford to pay my loans or ccs and the buggers kept on adding charges and interest.I have a DMP through CCCS at £146 pm which i pay religiously.but i got thinking when i stumbled upon the MSE site.alot of my debt which currently stands at about £70000 is down to charges.my original NatWest o/d was £3000. it now stands at about £6000 plus i also had a loan through NatWest which was originally for £10000.it now stands at about £14000. NatWest applied for a charging order and my other creditors are following suit.

i have never wanted to be in the situation i am now in,who would ? and im not trying to get away with paying what i owe.but it really makes me so angry that these huge financial institutions just keep on making the plight of people who are struggling finacially,even worse.

thankyou so so much for this wonderful site.i feel like i can take on these giants,and maybe even win.

im starting with NatWest,but im going to try mbna(who have just applied for a charging order,hearing on 5th feb)and then the rest!

[nona]

Hi and welcome to CAG.

 

There is plenty of help and support on the site, but first make sure you read the FAQ's so you are confident about what you are doing. Read around the forums as much as you can especially those relevant to your bank and your circumstances. When you start your action, begin your own thread in your bank's forum and keep it updated regularly with your progress. Post any questions there too and you will usually get a prompt reply.

 

Good Luck

Nona

[thereshope!]

thanks nona,

 

been on this site all day and havent even had chance to get dressed !

 

yep,will start a new thread for each action i start. gonna be a lot...

 

my hubby has decided to go for it too,so going to sort his S.A.R to barclays this evening.

 

working my way through FAQ and some of it not 'sticking' to well in my head,but i expect it will be simpler when i have a response letter back from nat west and i can work my way through the jargon.?

 

thanks and bye for now xx:)

[Rooster-UK]

Hi Thereshope.

 

I havent felt as positivwe as I do right now since way back in 2001,which was prior to our debt problems.

Ain't it a grand feeling. EMPOWERED is the word.

 

been on this site all day and havent even had chance to get dressed !

It has that effect on you.

 

working my way through FAQ and some of it not 'sticking' to well in my head,but i expect it will be simpler when i have a response letter back from nat west and i can work my way through the jargon.?

There is a hell of a lot of info available on this site (about the only thing I've not found are this week's lottery numbers...Oh well:rolleyes: )

 

I suggest that you spend at least a couple of days reading the FAQs and the step by step guide. That will answer most of your questions.

It will take a little time to get your head round it, but as this is a self-help forum, it will be time well spent.

If there is something that you don't understand, then please ask. The answer won't be far away. It is easier to answer a dumb question about something you don't understand than to try and correct a big blunder once your claim is under way.

 

Good luck with your claim.

 

Regards, Rooster.

[thereshope!]

Cheers Rooster !,

 

Feels great to be part of the gang !

 

I was talking to my very grown up 14 yr old daughter about what we were doing and how i'd been on the MSE and CAG sites and she likened the CAG and the MSE founders to modern day Robin Hoods - taking back from the big greedy corporations and giving back the power to fight for whats rightfully joe publics !

 

 

Quite a statement from a 14 yr old !!!!

 

I'm sure that I will be a regular visitor over the coming months,and you can count on my donation when I win !

 

CHEERS XX

[nona]

Hi again Thereshope,

 

I like the Robin Hood idea! Well done your daughter. If your here a lot (it does get addictive-be warned!) Come and say hello in the chat room.

 

Nona

[Rooster-UK]

I was talking to my very grown up 14 yr old daughter about what we were doing and how i'd been on the MSE and CAG sites and she likened the CAG and the MSE founders to modern day Robin Hoods - taking back from the big greedy corporations and giving back the power to fight for whats rightfully joe publics !

 

Sounds like a very astute young lady.

[ukaviator]

Hi thereshope.

 

Keep us posted with your progress with a thread under the banks names.We can help answer questions quicker that way.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator