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

N.B. Please note - due to postage costs these products are only available in the U.K.



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 ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  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
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
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
> General Consumer Issues


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 25th March 2008, 20:20   #1 (permalink)
helpneededplease
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 3
helpneededplease Novitiate
Default TV Licence help please

Hi everybody, first post here so hope this issue hasn't been covered previously, had a hunt around but couldn't find anything so here we go (bit if a long one).

Basically I bought my TV licence when I went to university (halls of residence) in the year 2003-04. I payed by phone, clearly stating that I only required the licence for the period of one year. I was told this was possible and if I wanted could spread the payments over the year (quarterly - seemed like a good idea as a student). Now comes the problem, I hadn't fully understood the implications of the automatically renewing direct debit, instead assuming that I would have to renew the licence each year. During the following years I lived in shared student houses that only required 1 licence and were licenced by one of my friends during each year). However since 2004 I have continued to be charged quarterly by the TV licencing people...which until recently had gone unnoticed on my bank statements (hands up on this one, this was stupid on my part, not debating that).

Having noticed the direct debit I quickly cancelled any further payments with my bank and contacted TV licensing. I applied for a refund for 2004-2008 which is obviously a good chunk of money. Despite their rather insulting procedure, the evidence I provided for not needing the licence after 2004 proved good and received a refund BUT for only half of the time mentioned above. According to the customer services manager I have since spoken to, this is due to a change in their own policy (changed in 2006/7) that says that they will only refund up to 2 years unless I can prove that they made the mistake when I purchased the licence in which case a maximum period of 6 years is allowed (see here. This policy seems arbitrary and almost impossible to provide evidence to be considered for refunds over 2 years.

Has anyone got any advice to how I could take thing further?
I am not happy with the current situation and feel I was miss-sold the licence in the first place, only expecting to pay for 1 year. I've looked at the distance selling regulations, which changed in 2005, but when I purchased the licence consumers had to be provided with clear information about the goods and services before they bought them, this was obviously not the case.

Anyone got any ideas or know the legality of the situation because now they've charged me for a service that they know that I didn't need nor used and instead use their own self imposed policy to prevent me from obtaining a full refund!
Any comments would be very much appreciated, thanks in advance!!
helpneededplease is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th March 2008, 08:03   #2 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: TV Licence help please

As much as I abhore the tv licencing system, I have to point out that the rules and regulations surrounding it has nothing to do with either the BBC or TV Licensing.

The regulations regarding tv licenses are made by parliament and TVL must abide by those rules.

The tv license is a tax and not just something that is bought, which means you are very lucky to have been given any refund whatsoever. Normally you can only claim back 'unexpired' months the same as road tax on a car.

As tv license is a tax, it does not come under the distance selling regulations, there is nothing for you to inspect or approve when you receive it.

I know you don't want to debate it, but perhaps in the future if you want to stay solvent then you will check your bank statements on a regular basis.
__________________
This forum desperately needs your help. Please click on the link below and do what you can.

http://www.consumeractiongroup.co.uk...php?f=56&a=140



_________________________ ___________________

If my posting has been of any assistance - please tip my scales.
_________________________ ___________________

Foreign Aid - taxing poor people in rich countries for the benefit of rich people in poor countries.
_________________________ ___________________

Make a Report to Consumer Direct Here
Conniff is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th March 2008, 10:07   #3 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: TV Licence help please

Or, use it as a lesson - not simply to check your bank statements regularly (boring), but to avoid giving ANY organisation the power to remove money from your bank or credit cards (DD or card mandate). By doing this you remain in full control, and whilst it can cost a little more in the long run, saves you wondering why your money is running out faster than you can earn it!
buzby is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th March 2008, 19:13   #4 (permalink)
helpneededplease
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 3
helpneededplease Novitiate
Default Re: TV Licence help please

Thanks for your replies, don't worry I have learned my lesson with this fiasco! It is still bothering me though. I have not heard or read before that the TV licence is simply a tax and therefore does not need to abide to distance selling regulations etc. I still maintain that I was mis-informed and mis-sold the licence and not given sufficient information before purchase.

In any case they have admitted their mistake by refunding me in the first place (if I had no case then they would not have done this) but it is only their own self imposed regulations (by the TVLA) that prevents me from being refunded the whole amount. This 2 year period seems entirely arbitrary (whilst the 6 year period is connected to contract law I believe), I don't see why there should be a difference for a period of 3 months or 3 years, as long as proof is provided (which I have done). Again it is pretty much impossible to prove they are in the wrong to qualify for over 2 years of refund, so they are covering their own backs on this one (this policy only came into fruition last year) and just seems like poor practice to me. In other words, I can not see and have also not been explained to by the TVLA why if I should be refunded 2 years then why not the full amount, what's the difference?
helpneededplease is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th March 2008, 19:57   #5 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: TV Licence help please

Difference - considerable! This way they limit their exposure to claims going back years, putting the onus on the fee payer to ensure (and take responsibility) for the payments they make.
buzby is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th March 2008, 20:08   #6 (permalink)
helpneededplease
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2008
Posts: 3
helpneededplease Novitiate
Default Re: TV Licence help please

Still doesn't sit with me, if I qualify for a refund then a full refund should be given, surely it should be one way or the other. Saying well yes we'll refund you some of it but keep the rest to teach you a lesson just isn't right!
Whilst I do not deny I have made a mistake, none of this was ever made clear from either the point of purchase or up until I applied for a refund and was told I would have no problems getting the full amount back. Details about the 2 year policy isn't even on their refund forms! I still must have some case here...no?
helpneededplease is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th April 2008, 13:28   #7 (permalink)
lillymay1975
Basic Account Customer
 
lillymay1975's Avatar
Default Re: TV Licence help please

I've just had a warrant for my arraest for tv licence, they are (EDIT), a woman called last august, asked if i had one, said i did as i had just updated my bank details the day before online, due to me not actaully having one in my hand i have got a £155 fine or i can go to prison, i'm forced to pay £10 a week now and i'm on IB, Port talbot court whom are dealingnwith it are (EDIT) just spoke to this (EDIT) on the phone, told her what was coming in and going out and she said tuff, this is a priority, what a joke, i hate them so much

Last edited by rory32; 16th April 2008 at 22:59. Reason: Please read the forum rules before posting.
lillymay1975 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th April 2008, 13:40   #8 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: TV Licence help please

So you are saying that you have paid for a licence by direct debit to TVLA and have done since last August.

Why did you not respond to the court summons ?

If you have paid since last August and TVLA have not updated their database, then you have nothing to worry about, go back to the court with your proof and get it set aside.

You can't blame Port Talbot courts for anything. The television licence is a tax and a parliamentary statute which is why it is a criminal offence and not a civil one. The courts hands are tied.
Conniff is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
TV Licence tom a General Consumer Issues 7 17th February 2008 20:47
TDS and licence Joa Residential and Commercial Lettings 5 20th November 2007 21:55
TV Licence fine Flynntom Bailiffs and Sheriff Officers 10 6th September 2007 01:36
TV Licence weegirl General Consumer Issues 10 31st July 2007 22:45
Lost Licence orfoster DVLA 7 24th July 2007 02:29




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.