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    • Received initial reply to CCA requests from Lowell in relation to the Cap One £4k and Argos Card.  Both are identical with exception of account information.   Do I now get my partner to stop the payment arrangement? 20201202-CCA Reply CAG.pdf
    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
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After 130 days my bank statements for last 5 years finally arrived this morning...Now need know what to claim for,i know i can claim for returned DD,s and late fees but i have on my statements a few things i,m just not sure about.....All help is greatly appreciated..


SC at Period to (every month i have this ranging from £1 to £26?)

Interest to (again every month ranging from £0.45 to £22.98 )

DD BGS Service(again every month ranging from £0.00 to £31.78)


I have all 3 of these with differ amounts each month just wondering if someone can explain what they are? and what ones i should add up to ask for back...ps...bank charges so far add up to £1340 without interest,will calculate this with the interest at 8 %? i take it...


Many thanks john

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Hi John,

SC is Service charge, you will get one of these every month and I expect it varies depending on things like how many direct debits, standing orders and cheques you used that month.

Interest to will again vary if you use an overdraft or were overdrawn, they will charge you interest, If you were in credit they should pay you interest.

DD is direct debits, not sure what BGS is.

I would imagine that all the above cannot be claimed for as they are legitimate charges


I hope someone else can make it a bit clearer but hope I have helped a bit.





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I've included the service charges and the interest in my claim. I did this because if it wasn't for the accumulated penalty charges (e.g. returned cheque, cheque card misuse etc) I wouldn't have been in overdraft and so wouldn't have been hit with service charges and interest in the first place. I'm a complete novice at all this though so I've no idea whether this is valid or not - but here's hoping!

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I was under the same impression as yourself and thought i could add service charge,i was told over the phone the service charge was for exceeding my overdraught limit, i have removed them for now to play safe but might go back with them depending on how my original claim goes as they dont exceed the small claims limit and would take my chances.


thanks john

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I am in agreement with tanglemater and would include all the charges as I think you need to have the correct figure from the start - only making it a bit harder for yourself further down the line by not doing so. GOOD LUCK:)

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service charges now being added>>>more to come later LBA being sent tomorrow,already had a no in prelim so all failing this one will take the FOS route as claiming over £2000 now..

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