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
|
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 | | | | | | 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 |  | |
12th September 2006, 10:41
|
#21 (permalink)
| | Classic Account Customer | Re: Sky Subscriber Services Thank you both for your help and advice. I will certainly write to sky and request a breakdown of charges - cheers for the address Big L  As you are obviously right Okonski, if it is indeed Sky who are imposing these charges it should be them I should be complaining to. I shall make a concerted effort to stay polite on the phone... even though 'they' don't seem to!
The reason I was unsure as to how they obtained my address and phone number is that I have recently moved house (from South Wales to Cheshire) and never informed Sky or Westcot what my new address is. Admitedly I have always been one for burying my head in the sand when it comes to financial matters, so tend not to address things like this. However I have turned over a new leaf to become a more responsible person and am working really hard to improve my financial situation - digging up all my old debts/charges etc and finally sorting them out once and for all, as only now am I slightly more financially stable and in a position to face the music as it were. Its so frustrating when trying to resolve matters such as this that the big corporations/banks/etc are so keen to slap on extra unreasonable charges, on a whim it appears, in order to make themselves more money. Keep the poor poor and make the rich richer it seems.
Sorry, that was a bit of a personal rant... anyway, I shall get on to writing to Sky and see what they have to say on the matter. Thanks again for your guidance, it is much appreciated 
__________________ ~Lucy~ |
| |
12th September 2006, 11:12
|
#22 (permalink)
| | Platinum Account Customer | Re: Sky Subscriber Services I'm curious also about their knowing about a change of address that you didn't advise them of... especially if you didn't bother to plug in your receive to the telephone line (if you did, then there's your answer).
I wouldn't get too humble about the difficultiers you found yourself in, nobody can expect things to go smoothly all the time, and whilst you may have the best intentions, life does get in the way and you shouldn't have to apologise for it. These firms have put procedures in place to ensure debtors become a bigger revenue stream than a normal customer. Why else all this propaganda over paying by DDM, especially when the customer can find that thie lies that it is quick and easy replaced by, it's expensive when it goes wrong, and pretty much like leaving the keys in the froont door of your bank account.
Incidentally, did you fill in a PO 'I'm Moving?' form? If you look a t the small print, in addition to advising the PO that your mail should be switched to a new address, you also automatically give them permission to inform the TV Licencing people (Capita) and CRA databases. Considering the PO charge you for this service, it is a very bad deal! |
| |
13th September 2006, 12:57
|
#25 (permalink)
| | Platinum Account Customer | Re: Sky Subscriber Services Quote: |
Originally Posted by denzil69 when dealing with sky, i used my visa debit card to make payment, and they took money from my account each month using the card details. once i cancelled due to over charging (it breached the contract) they were unable to set up anything on my account as they did not have the DD in the first place. dont think they would mess with visa, as they can bring an action against them. | Taking money from a credit or debit card is not the same and should not be confused with a DD. Card operate a different scheme, and is called a 'continuous authority'. With a DDM you can cancel by revoking it at your bank, a recurring card debit can ONLY be cancelled if the company agrees to your request. If there is a dispute, there is nothing to stop them taking the funds until your card is replaced with a new one bearing a different number, issue number or expiry date. It is not often realised that even if you give a card number for a one-off payment, a supplier may keep the number and use it at a subsequent date, if challenged they can say they were given the number willingly by the customer and you raised no objection(s) to your card being used in this way.
The rules were changes several years ago so that you no longer had to give wirtten permission for a recurring or continuous payment mandate. |
| |
13th September 2006, 13:04
|
#26 (permalink)
| | Gold Account Customer | Re: Sky Subscriber Services I have been thinking about this issue myself recently, I have £4 put on for sky invoice and I think another £4 for 3 mobile bill it all adds up, I don't take on direct debits any more
Last edited by pugsley; 13th September 2006 at 13:15.
|
| |
13th September 2006, 13:33
|
#28 (permalink)
| | Gold Account Customer | Re: Sky Subscriber Services yep I only get statements with £4 invoice admin charge
Last edited by pugsley; 13th September 2006 at 13:36.
|
| |
13th September 2006, 13:35
|
#29 (permalink)
| | Gold Account Customer | Re: Sky Subscriber Services I think I have paid this charge since 10/04/2004! and have never received an invoice, I do not have a contract with Sky anymore that I know of I can leave at any time. At the moment if you say you are going to leave them they offer you a 50% reduction for three months or 90% off, my friend told me this awhile ago and I got 3 months half price credited.
Last edited by pugsley; 13th September 2006 at 13:42.
|
| |
13th September 2006, 14:15
|
#34 (permalink)
| | Gold Account Customer | Re: Sky Subscriber Services This is a bit basic but is it ok?
Correspondence Department
Sky Subscriber Services Ltd
4 Macintosh Road
Kirkton Campus
LIVINGSTON EH54 7BW
Dear Sirs
Re Account no
I have noted that I am being charged £4 per month for Invoices that were never received, I have only received Statements since 10/04/2004 and this charge is clearly in error. I request an immediate credit of the fees charged in this way, along with a compensatory payment of £10 to cover my costs in raising this matter.
If this credit is not forthcoming within 28 days, I will serve a letter before action and seek recovery through the County Court.
Yours faithfully,
__________________
Barclaycard Student credit card £400 partial refund received, S.A.R - Pugsley v RBS credit card pre 21/09/06 S.A.R LBA sent- cca 17/03/088 no reply as yet, still chasing me for debt though Pugsley v Abbey, S.A.R , preliminary letter sent 6th November
Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open
Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983 Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement
Capital one MCOL Settled in full Smile lba settled in full advice is given informally and without liability and without prejudice. |
| |
13th September 2006, 14:33
|
#35 (permalink)
| | Gold Account Customer | Re: Sky Subscriber Services I have also had problems with Sky, after them trying to charge me £85 a month because my 2nd box wasn't plugged into a telephone line (it wasn't even in use) I rang up to cancel my subscription, fully expecting them to give me a sweetener.
They duly did, 3 months half price and the ridiculous double charges removed. The next month they tried taking the whole subscription amount from my account - result I was charged by the bank as I only left enough in to cover half the subscription. They also charged me 2 months @ £10 a month for a multiroom package I had cancelled 4 months previously!
I gave up ringing them at this point as I was sick of paying them their rip off 0870 rate while I waited 20 minutes on hold. I use the Email service on their website, they are bloody slow to reply (4-6 working days) but at least its free.
I ended up getting the 3 months half price actually applied, the £20 multiroom fee refunded and my bank charge refunded - they wouldn't admit to refunding it me though - they said 'we have also accidentally credited your account with an extra £20, but in lieu of your bank charge we will not reclaim it as a gesture of goodwill' (dont these companies love their 'gestures of goodwill'!
I still have Sky, but they make one more mess of my account and I will cancel it for good.
Incidentally on the subject of them setting up a new DD after it has been cancelled, Carphone warehouse did the same to me - my bank informed me they have 'trusted companies' that they allow to do this. I was disgusted, if I cancel a DD I want it cancelled not set back up!
__________________
Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage
Sisters NatWest - Claiming £1056 - SETTLED at AQ stage
NatWest CC - Claiming £804, SETTLED IN FULL at LBA stage
GF NatWest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08
MBNA: Claiming £150 - SETTLED IN FULL at LBA stage
HSBC: £1014 - SETTLED at LBA stage + pending charges removed
Sisters HSBC - £300 - SETTLED IN FULL at prelim stage
Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.
Capital One - claiming £605.54 -SETTLED IN FULL
DON'T FORGET TO DONATE!
|
| |
13th September 2006, 14:50
|
#37 (permalink)
| | Platinum Account Customer | Re: Sky Subscriber Services I have Sky+ and it has NEVER been plugged in I am not having Sky selling my viewing data on to people thank you very much, had they started threatening me n all that then I would have plugged it in but have never heard a peep out of them lol | | |