Hello I successfully reclaimed all my charges before the waiver came into force, however, I have since racked up a shed load of charges which I would like back. This means that I have to start with a preliminary letter and LBA again. I have amended my original preliminary letter, as below: Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxx SORT CODE: xxxxxxxxxxx My request I am writing to ask you to refund to me the charges which you have levied from my account since April 2007. I wish to bring your attention to two points in law. Regulation 5 (Section 1) of the UTCCR states: 5. – (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer. Section 140a of the Consumer Credit Act (CCA) states: S.140a The court may make an order in connection with a credit agreement if it determines that the relationship between the creditor and the debtor is unfair to the debtor. At the time of opening my account with Royal Bank of Scotland, I was presented with a standard set of Terms and Conditions, with no option to negotiate individual terms within those Terms and Conditions, to my detriment. Your responsibilities By drawing your attention to the two points in law detailed above, I require a details of the price of the charges I incurred, and, more specifically, how that price was derived. It is my belief that the price of the charge greatly exceed the actual cost incurred due to my indiscretion, and as such is subject to the above points in law. By providing me with details of how the price was derived, I also require the actual cost to yourselves. What I require I calculate that you have taken £xxxx. I enclose a schedule of the charges which I am claiming with this letter My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, Can anybody see any issues with this?

Not normally one to go to an extreme, but why not do this. If everybody converts as many Direct Debits back to paper bills as you can, and each month, after your salary has been paid, withdraw all the money out of your account bar any DD or SO that can't go back to paper bills. That way we deprive the banks of a source of money to provide loans, as I can't see then using the discredited money markets that caused the credit crunch in the first place.

Hello The other day I got a letter from an LLC company called Arrow Global LLC. The matter was with respect to an account number that was outstanding by £1636.76 with MBNA. I have NEVER had an account with MBNA. Ever. I phoned this Arrow Global group up, and was, to put it mildly, spoke to in a very rude manner and was told that court action and baliffs would be involved if i didn't suggest a repayment plan. This was even after I had suggested to them that it must have been mistaken identity etc.... I was told that anybody could plead mistaken identity, and that I should seek legal advice, like I have the time in my life to sort that out being in full time employment, and being a parent of multiple children. I then decided to tackle MBNA. After phoning them up and going through the motions of entering the card number and my date of birth, it became rapidly clear that I was indeed innocent of all charges. The ACD then put me through to an MBNA assistant, who asked for my DOB and asked a security question and asked my address. This certainly proved it was mistaken ID, but how the hell did this Arrow Global group get hold of my name and address!!!!!!!!!! I can only assume that, and this is an assumption, the actual owner of the debt had moved, and that Arrow had located someone with the same name in the same area, and I must've come up. Feeling better that I didn't owe any money, and that it was mistaken ID, I phoned Arrow up again, and told them everything i had found out from MBNA. They told me to put it in writing to them. I haven't done this yet, as it was Yesterday that all this happened, and today I've been in a customer meeting for my company with a client in Glasgow (I live in Rotherham). However, my wife called to tell me a letter had arrived from Arrow, basically threatening me again with court/baliffs and that I had 7 days to prove the debt wasn't mine. Surly a simple phone call to MBNA by Arrow would've sorted it I would have thought? Has anybody had any run ins with these cowboys, and also what are my rights, if this does go much further, towards suing Arrow for harrasment.

I got Freesat via Sky, just rang up and cancelled my subscription, but still use the old Sky box and card. However, your case is different. If you still have the old Sky box and card, reconnect to the existing cable to the minidish. Then phone Sky, giving them the serial number of your card and you should then get freesat activated. I don't believe you can get HD via Freesat from Sky. If, however, you need a new box, then there are a plethora of freesat boxes. The Humix box appears to be one of the best one on the market, and you can get them with a built in hard drive for recording too. If you need a new box, then you will also need a new card, which you should be able to buy from the same retailer as the freesat box. Both the freesat from Sky and BBC Freesat use the same Astra satellite, so you probably don't need to do anything with the exsiting minidish location

They have said the same to me. Some years ago, I manually moved all my DD to IF from crappy RBS. I did it manually so I could control when payments were moved to IF (there was a reason at the time). I phoned RBS up and asked them to move the DD for a loan with them to IF, and the plebe who dealt with me said that the deed had been done, and the DD would be transferred to IF. It wasn't. A few months down the line, I find out that I had missed loan payments, and had been charged for missed loan payments. I sorted the mess out, and successfully reclaimed my charges before the stay, so we ended up being OK on that front. However, the DD remained on my RBS account, and they wouldn't move it. Due to timings of salaries, BACS clearance times and DD dates (which for some unkown reason, they refuse to move), I have to manually transfer money each month over the counter, which is a major ball ache, especially where holidays are concerned. Anyway, after reading this thread, I have E-Mailed this specific request to BACS, to see if they are allowed to do this. Will let you know what happens when i receive a reply.

Hello Just a suggestion, but after wading through all the off topic stuff, it occurred to me that rather than splitting the thread, (or even if the thread is split) why don't we have stickys that only the moderators can change that provide up to date information. An example is the list of dates that Bookworm provided earlier in the thread. Really, stuff like that should be stand alone, and not part of a complex thread like this. Only a suggestion, so don't shoot me down.........please

It would appear from the BBC website that the banks are likely to appeal. It was highly likely I suppose, but we won't now for sure till tomorrow. BBC NEWS | Business | Banks may challenge charges case

The line rate is not the only thing that you need to take into account. You may get a line rate nearly up to the full 8 Mbps, but in actual fact only get 2 Mbps on the Internet. This is because of contention in the network behind the local exchange (this is called a DSLAM). So, if the line can handle nearly 8 Mbps, the 'up to 8 mbps' also accounts for speeds behind the exchange which can be pretty poor. The variation in speed behind the DSLAM is also dependent on time of day, so in the evening, there may be a lot of contention, whereas during the daytime, there may be very little. Try a broadband speed checker, and do it a different times of the day.

Also, I would like to add that I tried the new wireless router and old wired router at by sister in laws house, with my old and newly supplied patch cables and old/new splitters, and everything worked. So this proves the fault to exist somewhere between the phone point and exchange. Tiscali Help desk were also informed of this.

Sounds good on the adverts doesn't it. I've never had an issue with Tiscali in my 2 years of service with them, until now. Just after christmas, I signed up for 2 new options to my package of Broadband and Tiscali Talk. These were free line rental, and a free wireless router if I signed up for another years contract. The wireless router came through the post OK, and worked fine. I got notification of the cutover of my line rental from BT to Tiscali, which was to be 10th January, according to a letter from BT. Come the 11th January, and my phone line, although still working, developed an audible crackle whenever I used it. Needless to say, my broadband was also down. I reported the fault to Tiscali, to some Indian call centre. They said the fault would be escalated to a 2nd line support team, and an engineer would be dispatched within the next 24/48 hours. 48 hours later, no engineer. Called Tiscali, they said the fault was with 2nd line support and an engineer would be dispatched within the next 24/48 hours. Again, 48 hours later, no engineer, phoned Tiscali, and.......you guessed it, an engineer will be dispatched within the next 24/48 hours. I called their cancellation department, in desparation to talk to an english call centre, not that I've got anything against Indian Call centres, but when they use the term 'escalation' it appears to be a rather loose word. The cancellation department supervisor said the issue would be escalated to head office, and I would hear by this Monday. This Monday came and went, with nothing. So I called their cancallation department again. I was curtly informed that if I cancelled the service, I would be billed for the entire years contract. I have now phoned BT to move my line rental back to BT, this will be done on the 6th February. I've not informed Tiscali, or called their pathetic help(less) desk, and I do not intend calling them again. Steps are underway to move the broadband supplier, and I have cancelled my Tiscali direct Debit. I suspect I'm going to have a battle on my hands here, and I am anticipating a 3 month downtime on my broadband, as I think i won't be able to move my service unless Tiscali confirm the cancellation of our contract. I also suspect that the fault on the line will be resolved once BT move back the line from Tiscali. The wireless router has been packed up, and is ready to be shipped back to Tiscali.

I have done it before. Claimed £4000 and then a few months later claimed £250 ish in charges subsequently incurred. Just folllow the procedures as before

Snooze (I hate the alarm clock)

bed

his face turned

Which tasted like