hello

[Firegus]

Hi,

 

I am a Firefighter who had £20k worth of debt, sold a property that I owned for rental and paid the lot off.

Credit cards, loans etc.

I did it the honest way and now have no credit cards or even a cheque book.

I am now interested in getting some of this money back.

[noodlemilan]

Hey,

 

Well done for clearing your debts!!!

 

Now get claiming everything back, its your hard earned money which your entitled to!! There are so many people out there who arent claiming what is rightfully theres back!

 

My friend has claimed and up to date he has £6000 back!

 

What have you got to lose?!

 

Lx

 

[Rooster-UK]

Hi Firegus.

 

Start by spending a couple of days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions.

 

Then start your own thread in your bank's forum and post any questions and progress reports there.

 

Good luck with your claim.

 

Regards, Rooster.

[noodlemilan]

Yeah, definitelty spend time reading up from the site.

Dont just rush in and claim, you want to be prepared as the banks will try every thing to try to not pay you what you are rightfully owed.

 

I've spent the last two days reading up and info and how other people have gone about claiming and now I feel informed enough to start my initial letters to obtain my statements.

 

Good Luck!

 

Lx

 

[Firegus]

Thanks for all your replies, yes, i`ll spend some time reading up before I do anything, fortunately i`ve got all my bank statements for the last 5 years, therefore it will make life a bit easier.

 

Just a follow on from my first post, a word of warning - if you do pay off your debts like I did, keep all receipts for ever, I didn`t and got contacted by several Debt Collectors looking for payment for accounts I had settled, these companies are not great at sending receipts and I have had a scary moment when asked to pay a £4k credit card bill that I had paid in 2003.

I had to spend hours on the phone to get it sorted.

[Rooster-UK]

Hi Firegus.

 

fortunately i`ve got all my bank statements for the last 5 years,

I suggest that you start by sending a D.P.A. SARS letter (in the letter templates library) to your bank, because you can claim back up to six years.

 

Click on this link for DATA PROTECTION ACT SARs LETTER.

 

Don't forget to enclose the £10 fee.

 

Regards, Rooster.

[Firegus]

I thought that you could only claim back 5 years in Scotland?

 

Do I still need a DPA SARS letter even if I have the statements?

[noodlemilan]

Hi,

 

Thanks for the words of wisdom!! I never thought about that. Fortunately I do tend to keep my reciepts, just not for years though!

 

Sent off my SAR's yesterday, all 7 of them!!! Sent them recorded delivery as you know what banks/credit cards are like, they'll try anything to say they havent received them.

 

Question, if you have an outstanding balance on your credit card and you are successful in your claim against them. Will you get a cheque for the money owed to you or will they take it off the balance you owe them?

 

Have a good Christmas and hopefully the New Year will bring in the charges owed to us!!!

 

Lx

[Deller]

I think with Credit Cards they do quite often take it off your balance, but hey. at least it'll reduce your interest!!

[noodlemilan]

Hi,

 

Thanks for your reply!

 

Yeah, thats what I thought they would do, I was just looking forward to a BIG FAT cheque!! Ha

 

But hery, maybe I'll get that from natwest!! Fingers crossed

 

Have a good Christmas and lets hope New year is a very prosperous year indeed!!

 

Lx

[Egarbeaver]

Hello all,

 

Am new and saying hello to the CCG community.

[ukaviator]

Hello Egarbeaver

 

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. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back

 

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.

 

Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.

 

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.

If you any questions please do come to the forum and we will only be too happy to help you!

 

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

 

[Egarbeaver]

Hello everyone,

 

Have sent my letters to Barclays and HSBC - 2/01/07:D

 

Hopefully will hear from them by next week.

 

Have told all my friends about this site and hope we all get the courage to persue these banks???????????????

 

 

Can you please start threads in your respective bank groups so as not to hijack this guys posts !!

[MARTIN3030]

Firegus looks like you may have other issues too that may need addressing via our baliff and debt forums.You should have a look there.

If you are looking at default removals it make mean running these alongside the monetary claims so as to keep the case together for resolving the two.

[noodlemilan]

HI,

 

Sorry for the absence, so busy with year end at work!!

 

Got my statements through from Natwest, seems I have apx 2k to claim so just need to calculate interst and get writing my next letter.

 

How difficult is it to calculate the interest??

 

Got to say Natwest sent me the first set of statements in just over a week!! Then they set me an additional set of the same statements!!