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    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My experience with Metro Bank over the last few months


lsmcal1984
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Hello,

 

It's been a while since this section of the forums was updated, so I thought I'd post my experiences of Metro Bank while using their current account as a main account. I opened my account early this year and made the switch in August by getting all of my direct debits, standing orders and salary switched. I used their in-house switching service.

 

I had problems from the start. My salary didn't get switched over and some Direct Debits were missed.

 

I pressed ahead regardless and got my salary paid into my account.

 

I then proceeded to register my account and debit card at various providers. 70% were fine, however I hit issues with PayPal, Tastecard, Zipcar, Capital One, Barclays Cycle Hire, Vanquis and Thames Water. They all still refuse to accept my debit card.

 

Then there was issues surrounding direct debits. The bank has refused to acknowledge that I have sent in 4 mandates for Capital One, 2 for Vanquis and 2 for GLL (Nuffield Health). Also, O2 couldn't add my bank details and neither could my local council.

 

Finally, the amount of computer system outages has increased recently. I cannot send payments occasionally and when they are sent, they are not using the Faster Payments Service (yet). I have trouble creating Payees on their online system from time to time.

 

I persisted for a little while, until it caused me to miss payments on the credit card and I got charged. At this point I'd had enough and decided to switch back to my old bank account.

 

In summary, the bank isn't ready. Its customer service is quite sloppy and doesn't offer adequate solutions ("Direct Debits can't be refused by us!") They are promising but they are simply not cutting it at the moment. I hope that they improve in the future.

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  • 2 months later...

Hello,

 

After complaining to the address I was given above, I was promised a phone call - it never came. I pursued to switch back to my old bank and a few days later, I received an apology letter that included a £50 credit to my account.

 

There were also some explanations as to why things had been going wrong: notably, their systems are not recognised by some companies hence their bank and card details fail.

 

In regards to Direct Debits, there was no answer to my specific problem. Needless to say, upon returning to my prior bank, I haven't had a single problem.

 

I managed to get my credit card charges refunded by the card companies themselves, but having to send payments in advance to cover payments was highly annoying. As I had missed a council tax payment, I ended up paying £35 per month extra to cover that lost month.

 

In summary, I thought I'd miss the 8am til 8pm service, but I don't. Coupled with all the other issues, their bank is no different than the main players - they all have issues with different things (my current bank wouldn't change a loan payment date for example!)

 

I hope this helps you.

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  • 1 year later...
  • 1 year later...

thread closed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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