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:-

  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
> Residential and Commercial Lettings

Residential and Commercial Lettings This is the place for both Landlords and Tenants to discuss letting issues, and share experiences.


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 18th September 2006, 17:23   #1 (permalink)
marlow
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 115
marlow Novitiate
Default Who has a clue???

My council are trying to get £880 out of me stating that they overpaid me housing benefit. This benefit ran from May 2005 to August 2005. Now, bearing in mind communicating with these idiots is PURE HELL, their first reason was saying I'd phoned them in September to say I'd actually gone back to work in May!! This resulted in me having to attend a fraud administration hearing type thing, where the fraud guys came to a solid conclusion that the whole system was balls, I never made any such call etc.. The job centre ahve gone on to say they have the recorded phone call so I've said according to data protection, I am entitled to hear it...I think I'm right about that aren't I?? Why on earth would I phone and say that when I have given them proof time after time from the Jobcentre that I was receiving JSA all along??? So their next weak attempt at reasoning why I was overpaid was because my job seekers was contributions based and not income based. So then I said well this is an error on their part, you see on the application form for housing benefit, you don't state what type of job seekers you are getting, which is rather stupid if there is such a big difference between the two!! Of course you have to provide evidence of the job seekers with the application which obviously I did otherwise I wouldn't have been paid housing benefit thereafter, so bascially any errors have been totally on their part. I've sent lots of letters telling them to provide me with proof that I owe this money back, and they keep going round in circles, first saying I phoned them to say I was working..."LIKE DUH!! WE'VE BEEN DOWN THAT ROAD!!", then again saying about the income based/contributions based stuff. Now their on about taking me to court. Is it worth my while creating a case collecting all the info I need? The main thing would be getting yet more confirmation from Jobcentre that I was in receipt of this benefit, which isn't easy to get from them. Could I send them a letter saying they have to provide this info according to Data Protection? The problem also is that apparently job centre wipe all their records 18 months after claims, which leaves me about 2 or 3 months left before this would happen to my records. Have I got a case here please anyone?
marlow is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th September 2006, 22:31   #2 (permalink)
ukdickie31
Basic Account Customer
 
ukdickie31's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 49
ukdickie31 Novitiate
Default Re: Who has a clue???

You will be able to get confirmation. The Jobcentre records are just local records on a different computer system (called LMS) to the Benefit Records. The benefit system is called JSAPs. This keeps all data for quite a long time.

You will be able to get this letter quite easily, whether by Data Protection Printout or by just going along and asking.

I really can't see how they can say this is a problem. They should have access to the JSAP's database which will confirm whether you were paid JSA(Conts) or JSA(Income Based).

If they still don't give you the info. PM me.
__________________
Been through the system. Keep going... it works !
ukdickie31 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th September 2006, 10:48   #3 (permalink)
S J
Guest
 
Posts: n/a
Default Re: Who has a clue???

You should have appealed against the decision. It seems that you have let them lead you on which has taken you over your one month time limit in which to appeal. You can still appeal late provided that you are within 1 year of the original decision letter.

Also, if the decision letter does not comply with the regulations then they are taken not to have issued a written decision and must do so before they recover the overpayment. If this is the case then your time limit for appealing startes from the date of the decision letter.

You need to seek advice from someone who can look at the documents.
 
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th September 2006, 16:31   #4 (permalink)
marlow
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 115
marlow Novitiate
Default Re: Who has a clue???

Very helpful ukdickie, thanks.

About the appealing part, I'll elaborate on what else happened. I was called for a fraud adiministration meeting in the first place because they thought I had failed to tell them of a change in my circumstances. Jobseekers had informed them that my benefit had stopped in May or June. Well the reason jobseekers had informed council this was simply because there was a one week break in my benefit, for what reason I can't remember now, but it was a cock up of some sort, so because I was back on benefit a week later, I'm hardly going to know to tell the coucnil about this. So fraud guys said I'd get a caution if I was unlucky, as it happened just had a letter saying don't do it again, naughty boy! The fraud guy told me to then make a back dated claim as I was entitled to the benefit of which I'd already had (getting chuffin confusing now, lol). So I did, and the back dated claim was accepted, only for them to reply saying I'm entitled to £0.00 of benefit!!!

I have been appealing all along ever since and have sent many a letter written similarly to how template letters are written on this forum, for example the bit about me being entitled to hear this so called recorded conversation that I never had!! Hmmm, funny that they've ignored this!

Right well I'd better collect the paper work I'll be needing in court then, if you think they haven't got a right to take my money.
marlow is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 21st October 2006, 12:22   #5 (permalink)
marlow
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 115
marlow Novitiate
Default Re: Who has a clue???

Despite me sending them letters asking them to provide evidence that I owe this money, I have now had a notification of legal action to pay up. Are they obliged by law to show me the evidence or can they just keep it to themsleves for court time? Because if there is some very unlikely looohole that I've missed which they don't tellme about then I'll lose at court. Can anybody help?
marlow is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 21st October 2006, 13:08   #6 (permalink)
Jhawc24
Classic Account Customer
 
Jhawc24's Avatar
Default Re: Who has a clue???

Information about the data protection act is here. As you have already made a request for this information they have to provide it to you with 40 days.

http://www.dwp.gov.uk/publications/d...ionAct1998.pdf

Hope this helps.
Jhawc24 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 21st October 2006, 16:53   #7 (permalink)
marlow
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 115
marlow Novitiate
Default Re: Who has a clue???

I sent a letter saying I have the right to hear this so called recorded telephone conversation quoting Data Protection, but didn't mention Data Protection Act again. However I am going to reply saying I can't wait for them to take me to court as I will turn up to make sure it is thrown out after you have failed to bide by law and show me the information which shows I owe this money, in accordance with the DPA. Hope it works.
marlow is offline  
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
Help needed haven't got a clue...... zebra123 Welcome to the Consumer Forums 1 7th January 2007 00:26
MCOL haven't got a clue????? Loopylou40 Barclays Bank 9 29th December 2006 14:44
DG SOlicitors - haven't a clue what they are doing? veryannoyed HSBC Bank 0 29th October 2006 18:09
Lloyds TSB - Clue to New Tactics? Valdez is Coming Lloyds Bank 5 14th July 2006 03:05
New and have no clue.... norks2000 Welcome to the Consumer Forums 2 28th June 2006 21:59




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.