How to get back on the credit ladder

marcellep

I have just checked all my statements, as I have already highlighted them its easy to work out

I have £260 worth of charges

marcellep

never-in-doubt wrote: »

Have you already sent a SAR request?

Yeah a few mths back when I asked for all my bank statements, Before I started talking to you. I had to include £10 and they sent me all my bank statements which I now have here

never-in-doubt

marcellep wrote: »

Yeah a few mths back when I asked for all my bank statements, Before I started talking to you. I had to include £10 and they sent me all my bank statements which I now have here

I just updated last post mate....... can you work out exactly the amount of charges and then post the following:

Charges
Default amount
Credit limit
Limit at time of default (i.e. can you explain whether you had £1 left and then a charge made you overlimit which then spiralled out of control - can you explain this period in May that they say you went and spent £392 or whatever)

marcellep

never-in-doubt wrote: »

I just updated last post mate....... can you work out exactly the amount of charges and then post the following:

Charges £260
Default amount- I will pm you a screen shot of the default
Credit limit £200

I went over my limit by £7 and they slapped on a total of £60 in charges and it went from there to be honest.

The period they talk about they applied £60 in charges and my mthly payment was sent back from my bank too. I never only used the card 6 times for small amounts



Limit at time of default (i.e. can you explain whether you had £1 left and then a charge made you overlimit which then spiralled out of control - can you explain this period in May that they say you went and spent £392 or whatever)

Re default ill PM u

never-in-doubt

What you need to do mate is sit down and work out, on separate lists the following:

1. Charges before June 2006
(usually £30 odd quid a pop - ask for them all to be refunded but easier to just ask for difference of the amount charged and the rate of £12 so do both versions to compare)

2. Charges after June 2006
(usually £12 a pop - ask for them all to be refunded)

You can only go back a maximum of 5yrs (Scotland) so don;t go back any further than then (5yrs from today).

So by the end of it all you'll have two lists, one with all dates and charges for before June 06 and another with all dates and charges for after June 06. You'll also have a list that will include the difference of the charges.

When you have this, please post again mate and i'll do your letter. Remember, I need the dates of the charges and the actual amount as well. You cannot reclaim interest only late payment or charges of some capacity.

marcellep

28/07/2004 £20

03/08/2004 £20

07/03/2005 £20

07/03/2005 £20

28/03/2005 £20

04/04/2005 £20

28/04/2005 £20

04/05/2005 £20

That is all the charges I have had, which are within the last 5yrs.

never-in-doubt

marcellep wrote: »

I have just checked all my statements, as I have already highlighted them its easy to work out

I have £260 worth of charges

You say here £260? Also, why did they stop charging you, all of a sudden?

never-in-doubt

Is this account actually paid off by the way or is there a balance? I can't remember (sorry)

marcellep

never-in-doubt wrote: »

You say here £260? Also, why did they stop charging you, all of a sudden?

Other charges are over 5yrs ago

They stopped as I started to set up a Trust Deed

Also this account was included in a trust deed which I have now been discharged from. So no balance is due

never-in-doubt

marcellep wrote: »

Other charges are over 5yrs ago

They stopped as I started to set up a Trust Deed

Also this account was included in a trust deed which I have now been discharged from. So no balance is due

Mate not forgotten you, just waiting for help from some in the know :rolleyes:. All I can think of is legal action but then again it's a last resort so i'm trying to establish any other 'backdoors' to try, before court....... bear with me yea?