Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Unfair Credit Card/Bank Current Account Package Charges***Refunded***


CuriousBee
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2595 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 68
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

typically only under hardship

 

tell us more please

 

times

bank

account ype

 

dx

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... 

Link to post
Share on other sites

Hello DX

All the credit cards now been paid off and settled.

 

 

However,

having read some interesting articles here just wondering if there is any chance of getting the unfair charges refunded.

 

I am sure there must be a time limit as well.

I do have one card company with whom I have a dispute with and it is a small amount which I now believe gone into a DCA.

 

 

need to gather all the paper work etc. and get back to you for advice.

It will be SB'd sometime this year so don't want to upset the things yet.

I will get back to you on that later.

 

But the all the cards that have been settled had so many unfair charges such as late payment charges etc.

 

Would appreciate if you could please let me know.

 

Many thanks

Link to post
Share on other sites

if they are credit card charges.

and if they are within 6yrs you have a very good chance

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... 

Link to post
Share on other sites

Can I ask some one please let me know if it is too late to claim any bank charges (O/D and other late payments etc).

 

Many thanks

 

So not current account bank charges but credit card charges ?

 

Thread title amended.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks very much.

 

 

I am digging out all the paperwork (statements etc) and will get back for further advice.

 

 

I did send a SAR to Lloyds and got all the documents that I need. I

also had a premier account which I had to pay £25.00 every month to keep the account.

 

 

I do remember telling them that I do not need the insurance etc., as I don't drive and other insurance I don't need.

 

 

I am now looking for all the paper work. I had so much trouble with these companies I feel strongly about the charges.

 

Hi Andy

Yes current account and credit card charges. I am getting the paperwork that I can find and get back to you soon.

Many thanks for your help.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Thanks DX.

 

Here is a brief summary.

 

I have a Current Account with Lloyds Bank which I had it for many years.

Got into financial difficulties and was trying to pay the mortgage and other debts at the time.

 

 

I did ask the bank to consolidate everything and to put everything onto the loan that I had but was refused.

 

 

My overdraft charges and returned direct debit charges were astronomical.

That led me into more and more debt every month.

 

 

In 2014 I was made redundant and I sold the house as the mortgage payments were high.

Everything was going bad way for me and I wanted to get rid of all the debts.

Hence no debts from June 2015.

 

 

I thought I had an arrangement with the Lloyds to pay off the loan,

but I cannot remember how it happened

a DCA took over and the next thing I know was I had a CCJ by default.

This is all now paid off.

 

 

I wrote to the Courts to say that I did not receive any claim forms but they ask me to fill a form and I sent off,

and the next thing I know was that I had a CCJ.

 

 

I did not know about this forum at the time and I was stressed out not having a job so only thing I could do was to sell the house so I could pay every creditor off.

 

Since 2011 I was charged an Overdraft usage fee although my overdraft was agreed.

Not sure why this charge though.

 

 

I only used the charges from 2010 as I believe prior to this I may not be able to claim.

 

LLOYDS BANK CHARGES FROM JANUARY 2010 TO JUNE 2015.

2010 1105.25

2011 419.65

2012 555.02

2013 407.37

2014 399.4

2015 280.39

TOTAL 3167.08

 

I also had other credit card which had unfair charges.

I need to get all the paper work to find out.

Many thanks for your help.

Link to post
Share on other sites

sounds like your were fleeced blind

no wonder they sold things on

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... 

Link to post
Share on other sites

Hi DX

- yes when you are in that helpless situation the banks that promise everything at the beginning do not support and they just give it to a DCA to sort out.

 

I am going to send a letter to Lloyds Bank re Account fee charges as it was given to facilitate the higher over draft.

I did not ask and it was automatically put on. So that is the first thing to do.

 

Then I am going to send a letter regarding the unfair charges.

 

 

Is there a letter that I can send to them (nicely worded).

That I would send them tomorrow.

I hope I am within the time limit.

Thanks for your help.

Link to post
Share on other sites

yes we've seen that one used before

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... 

Link to post
Share on other sites

you ideally should be calculating your expected returns using our spreadsheets

before blindly sending letters...

else they'll take you for a mug and short change you.

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... 

Link to post
Share on other sites

Thanks DX.

 

can you please help me to start the process.

 

Where do I get the template letters and the spreadsheet from?

 

I have not sent any letters yet.

 

Would appreciate any help with the process please.

 

Thanks

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

if they charged interest on the fee or PAC fees then use the CI SHEET

else the statint sheet if they didn't

 

as for the letters they are in the library and that other link above

bit busy

 

ask away latter

 

dx

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... 

Link to post
Share on other sites

Thanks.

 

They charged me a fee which states Over Draft Interest charge.

 

Then in 2011 started charging me Over Draft Usage fee.

 

On top of that returned direct debit fee and unplanned over draft fee.

 

So I would need to put all these onto the spreadsheet?

 

As for the letter I cannot access the letter.

 

Can you please attach the letter.

 

Many thanks

Link to post
Share on other sites

then you 'll use the CISHEET and pop their OD int rate in cell D 15

you cant directly reclaim the Over Draft Interest charge

nor I don't think the usage fee

 

but the sheet will calc the interest all the penalties have attracted

 

you might get lucky with the bank charges

 

but you can certainly reclaim credit card stuff inside 6yrs.

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Hello DX

 

I have been looking though the bundle of documents that I received regarding the current account, loan and credit card account.

 

I can only find the documents relating to the loan and credit card,

cannot find any letters sent from the bank to me regarding over draft or any other information regarding the current account.

 

I cannot even find anything with my signature when I took the current account and when they gave me the Premier account.

Also cannot find the interest rates they charged me for the over draft.

 

What Rate do I put on the cell D 15 of the CI spreadsheet please?

 

Is this the interest rate the bank applied?

 

Can this be a standard rate for all banks?

 

[/b]I have paid off the overdraft amount now and I don't think it was registered as a bad debt on the CR file. Still has a current account with them.

 

Do I need to write to the bank asking what interest rate they applied to the overdraft?

Thanks for your help.

Link to post
Share on other sites

summary of account letters

where they detail what each month they charge you [ the £6] usage fee

18.86%

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... 

Link to post
Share on other sites

summary of account letters

where they detail what each month they charge you [ the £6] usage fee

18.86%

 

Hi DX Where did you get the 18.86% from? I don't have any letters. All I have is the statements, and at the bottom of the statements it says the over draft interest, usage fee and unauthorised over draft fee etc.

 

So I will use the 18.8% in the cell D 15. I am doing this now and will send over soon and would appreciate it if you could please have a look.

Thanks again.

Link to post
Share on other sites

Hi DX I tried to put the figures onto the spreadsheet that it comes up with VALUE### etc

 

Claim From: 04.01.2010 Claim To: 01.06.2015 Total #VALUE!

 

Interest Rate (APR): 18.86%

 

 

"Date of

Charge" Description "Amount of

Charge" "Number of

Months Elapsed" "Compound

Interest"

 

04.01.2010 Over Draft Interest fee £7.32 #VALUE! #VALUE!

Unplanned Over Draft fee £27.00

01.02.2010 Over Draft Interest fee £6.70 #VALUE! #VALUE!

Returned Direct Debit £20.00

01.03.2010 Over Draft Interest fee £6.64 #VALUE! #VALUE!

Unplanned Over Draft fee £78.00

01.04.2010 Over Draft Interest fee £16.77 #VALUE! #VALUE!

Unplanned Over Draft fee £51.00

 

Why does this keep appearing?

Have I done something wrong here? I put the interest as you said 18.86% and start putting the numbers.

Can you please help?

Many thanks

Link to post
Share on other sites

tell your PC/MS office you are in the UK not USA

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... 

Link to post
Share on other sites

now go back and read post 17 again..........

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...