Hello

[grahamdoit]

Just starting the long road to getting my money back.I have 14 accounts to sort out and total amount of debt £54000.I have been paying back in small amounts and it is under control now after all the so called usual letters everyone receives.I am not worried about my situation now and i will keep you posted as I journey down the road.

Question that may be answered ??.

what letter should i send to a debt recovery company regarding credit agreement,to see that they have my agreement or not.

Just to let u know that on my debt all interest has been frozen as I did request this from the start and my debt was mostly from trying to better myself and my family by starting a NEW business with little or no help from the banks or anyone else.

So on that note may I wish you and your crew a happy new year.

[ukaviator]

Hi Graham

 

Happy New Year. You should send a letter to every bank for an S.A.R.(Subject Access Request). This costs £10 in total for statements and other information they keep on you.If you have 2 or 3 accounts with the same institution, then it is still £10 for all of the info.

 

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!

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

 

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