Three-pronged attack!

[the green bowl]

Greetings, what a great site this is, for too long the consumers have been pushed around and pushed to the brink of bankruptcy by greedy companies!

 

Having acquired a significant credit card bill recently (not frivolous spending btw - mostly for an engagement ring - wish me luck!) i've finally had a chance to spend some time checking my online statements been looking in ways to recoup some losses i've suffered in the past. My cases (I haven't taken any action so far, thats why I'm here) are as follows:

 

1 - £610.00 in direct debit and overdraft excess charges from Lloyds TSB dating from August 2003 to the present. I've got printouts from their online banking site showing these charges and I've just copied the template letter from I'm fairly confident about getting most of this back but I understand that some hard work will be involved.

 

2 - £103.87 in overpaid insurance. Basically I signed a contract with O2 in November 2003 for a mobile phone with £7.99 per month insurance. That contract ended in November 2004 but the insurance payments continued to be deducted from my account until I found out and cancelled the direct debit from the bank in December 2005. Unfortunately I have no documentation to support this. I checked with bank a few months ago and they gave me a contact number for the charges, all I have is that and their reference number showing on my statements. Not too confident about getting this back.

 

3 - approx. £360 from Orange and/or the Carphone Warehouse. I signed up for one of these 'cheque-back schemes' and was told I would only pay £4.99 per month when in fact it was usually between £30 and £35 per month. The terms were that you had to return the third, sixth and twelth bills (I think). Unfortunately, shortly after taking out this contract I moved house and again the documentation is nowhere to be found. I went to the Carphone Warehouse shop near me for confirmation of the terms but they were no help, saying it was nothing to do with them. I have however saved most of my bills from Orange, that particular contract ended in October 2006. Not confident at all about getting this money back but would appreciate any guidance.

 

I'm going to be posting these queries individually on the various sub-forums but for now I would greatly value any initial opinions or advice about how to claim some of this back.

[MARTIN3030]

Welcome to the site.

Certainly does look like you have your work cut out but it is good to see that you have done some homework already.

I should just add that Consumer action group have template letters which have been tried and tested 1000s of times with great success.

I therefore do not feel the need to have links to other temps from other sources as it may confuse members of CAG.

For this reason I would ask that you dont post links on the forum from external sources.