Story So Far........

Rainbow_Liberty

Letters from Barclaycard Mastercard and Barclaycard Visa as I have stopped making the token payments of £1 each per month. Both of them defaulted years ago and have already fallen off my credit file. Have now sent them both £1 cheque and CCA request - Will update if/when they reply.

Barclays Loan, Enforceable but trying to blag it for now, it falls off my credit file next June (2011) if I can steer clear till then I might be ok........ fingers crossed. This is the only one that worries me now really as its the biggie at £15k and I can't repay it at all unfortunately.

Rainbow_Liberty

Received two letters from the FOS today to keep me up to date on my claim, won't write the letters out in full but the paragraph that interests me most is

"As you will know, your credit card provider argues that the charges it has made to your account were levied fairly and in accordance with its tariff. So it has chosen not to make you an offer that fully meets your claim.

Because of that, it is necessary for us to investigate the matter in more depth. As previously explained, we have written to your credit card provider to invite it to either:

make a revised offer which meets your claim in full; or
provide us with the information that we need to reach a conclusion on the merits of your claim."

Maybe I'm just being hopeful but that doesn't sound too bad at the moment does it ?

Rainbow_Liberty

Rainbow_Liberty wrote: »

Captial One amount reclaimed £395

No letter telling me they are making any kind of offer but when I looked online today there has been a Misc Credit Adjustment? on my account for £259 so I guess that's some of the charges, need to just fight for the rest now.

But rather something than nothing.

Had a letter from Capital One stating that basically all they believe they owe is the £259 and if I as for anything more they will remove that amount from my account.

However, I've just gone back over all my statements again and hadn't noticed earlier that years ago they had made a couple of small refunds to me so actually they have repaid me in full with a couple of extra £ for my trouble.

Rainbow_Liberty

mmmm not sooo happy today, received a letter from the FOS regarding Santander they do not think the bank treated me unfairly despite my hardship and ill health.

I need to look deeper into this and respond with any further information. If I hadn't been hospitalised for two months the cycle of charges that I couldn't escape from wouldn't have started with any of the banks

Rainbow_Liberty

Been having a bit of a stressful time recently due to family circumstances and again ill health on my part.

Still haven't had a reply from either of the CCA's I requested from Barclaycard Visa or Barclaycard Mastercard. Was wondering whether I should send them the CCA request reminder but then remembered that they have already fallen off my credit file anyway so until they write to me I am going to do nothing about them.

Have just had to write back to the FOS regarding my application for the bank charges as at the moment they don't think the banks have treated me unfairly, but if I hadn't been forced to try to keep all the plates spinning at the same time whilst I was hospitalised for 2 months then the cycle of charges that I cant break free from wouldn't have happened.

I'm rather behind on all of my correspondence so fingers crossed I haven't missed any of the dead lines, that really would be just my luck.