consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Benefits, Tax Credits and Minimum Wage

Benefits, Tax Credits and Minimum Wage Having problems with benefits / deductions, or want to discuss entitlement etc. this is the place. Other matters include Tax Credit issues and also advice for those on / or below minimum wage.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 30th October 2008, 10:19   #41 (permalink)
bubblzbee
Basic Account Customer
Default Re: Housing benefit admin penalty & summons

ok will do. I will send today. Thanks
bubblzbee is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 10:27   #42 (permalink)
surprise
Platinum Account Customer
Default Re: Housing benefit admin penalty & summons

I thought you would be interested in this comment from my daughter.

Spoke to the fraud section - she can have a "copy of the tape" how -some authorities do charge - the officer I asked doesn't know if this is
legal or not

On leaving the interview she should have been give a notification that's
states she can have a copy of the tape - (however each authority works
different)
surprise is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 10:39   #43 (permalink)
bubblzbee
Basic Account Customer
Default Re: Housing benefit admin penalty & summons

After the interview I was given a couple of letters regarding how to get the tape and about my rights and what happens next, I have not asked for a copy of the tape though, should I get a copy then? The transcript I have is what the council sent me with summons information. As it is not accurate it prob is worth me getting one. I will find out what i need to do and put in a request.
bubblzbee is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 11:37   #44 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

Absolutely, yes , get the tape. If after going to court you manage to get a solicitor, it will save time. As far as I'm aware, a transcript has to be an accurate representation of what is recorded. Any innaccuracies wouldn't look too good for the council.
Keep us informed.

fox
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 11:53   #45 (permalink)
surprise
Platinum Account Customer
Default Re: Housing benefit admin penalty & summons

Conflicting advice here, my daughter said to leave it to the ombudsman to do. This is a difficult one really, as (a) you don't want the council to get wind of what's going on (b) on the other hand it is a nice piece of ammunition to have. Also,they may be full of excuses why it may not be available now.
surprise is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 12:07   #46 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

Quote:
Originally Posted by surprise View Post
Conflicting advice here, my daughter said to leave it to the ombudsman to do. This is a difficult one really, as (a) you don't want the council to get wind of what's going on (b) on the other hand it is a nice piece of ammunition to have. Also,they may be full of excuses why it may not be available now.
I was thinking of listening to the tape and comparing it to the transcript. IF there are inaccuracies then a note could be made for the court case. If possible make another copy to send to the ombudsman although they may need the original. If the tape is not available then the court won't look too kindly on that as it's fundamental to BB's defence.

fox
P.S I'm going to tickle your scales as i think the work you've done is great.
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 12:12   #47 (permalink)
surprise
Platinum Account Customer
Default Re: Housing benefit admin penalty & summons

thank you for the tickle.

I know what you are saying - but what would worry me is if they get wind of whats going on by asking for the tape they may temporarily loose it, whereas if they await for the Ombudsman they will have to produce it, otherwise it wouldn't look good on them, it would be just another nail in their coffin.

BB this is your decision two views on what you can do or shouldn't do - over to you.

Best wishes
surprise is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 12:19   #48 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

Surprise.

There is logic in what you are saying.
The court case should be adjourned anyway and then BB may be able to get a brief so in that respect there is no rush to get the tape. I do find it unlikely that the council would lose the tape as it would form part of the prosecution. I was more worried that if there were inaccuracies in the transcript and the witness has signed it as being true then the council will get into lots of trouble and maybe the case thrown out (or is the witness signing that it was the interviewers signature only) ARRGHH! brain ache lol

fox
__________________
Please note: any advice i give is based on personal experiences. Your circumstances may be different.

Silverfox 1-Lowells 0
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 19:07   #49 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

I was having some random thoughts earlier and i remembered a previous complaint i had with my council. They wouldn't listen to me until i wrote letters of complaint to my MP, MEP and the ombudsman. As soon as my council got a letter from my MP, they settled. Another avenue to follow maybe???

fox
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 20:47   #50 (permalink)
bubblzbee
Basic Account Customer
Default Re: Housing benefit admin penalty & summons

I think might be best to wait to hear from the ombudsman before requesting tape. Good point about MP. Will look into that.
The signature is on each piece of evidence, so I think its to declare it is accurate, so to speak.
bubblzbee is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 21:17   #51 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

*Quote* so I think its to declare it is accurate,

Well we already know it's not accurate
Is the court case any time soon (don't put the exact date-councils snoop)
A bit about the ombudsman.
When your complaint reaches them it's allocated to an investigator who will do the day to day running of the complaint. Once the investigator has all the information he/she will make a recommendation to the council. The council very rarely refuse but if they do then the investigator takes the case to the chief ombudsman who has the authority to force the council to implement the recommendations but as i said that's a rarity.

as they say forewarned is two legged

fox
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 21:48   #52 (permalink)
bubblzbee
Basic Account Customer
Default Re: Housing benefit admin penalty & summons


The court date is soon. Its a bit daunting but I have been doing alot of research into criminal law and my rights and feel more confident than i did in how to present the information as my defence. Its difficult to use the correct wording and format. with the advice given and what I have found on this site its been amazing.

Sorry I meant in respect of the prosecution they believe the evidence to be accurate, and hence they signed as witness.
bubblzbee is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 22:46   #53 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

There's not much more to do for now. all you can do is try and put this to the back of your mind for a few days and deal with each new issue as it happens.
I may not be much help to you but I'll be keeping an eye on the forum and checking in on you.

Take care

fox
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th October 2008, 23:19   #54 (permalink)
surprise
Platinum Account Customer
Default Re: Housing benefit admin penalty & summons

Hi - my daughter has just rang me something else occurred to her. When you got your letter about overpayment did it say "Without Prejudice" - if it did then they can't take court action.

Sorry this is coming in waves but it is difficult for her not seeing any documentation or exactly what you have received.
surprise is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st October 2008, 09:59   #55 (permalink)
bubblzbee
Basic Account Customer
Default Re: Housing benefit admin penalty & summons

ok, on the original letter informing me of the overpayment and how collecting back it says under further information.
'please note that repayments of overpaid benefit will be accepted 'without prejudice' to any further action the council may take if it is alleged that an offence has been committed.'
From what I can see this is the only time they have put this, it is near bottom.

Last edited by bubblzbee; 31st October 2008 at 10:19.
bubblzbee is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st October 2008, 10:21   #56 (permalink)
silverfox1961
Platinum Account Customer
 
silverfox1961's Avatar
 


I am in: continent
Posts: 801
silverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informativesilverfox1961 Informative
Default Re: Housing benefit admin penalty & summons

Morning BB
If i can remember rightly, Letters headed with "without prejudice" can't be used as evidence but with it being within the text of the letter then that doesn't count.

fox
silverfox1961 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 31st October 2008, 10:34   #57 (permalink)
bubblzbee
Basic Account Customer
Default Re: Housing benefit admin penalty & summons

Morning. Thanks it doesn't count then. It is the only time they have put it, but its within text.
bubblzbee is offline  
Digg this Post!Add Post to del.icio.us