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    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
    • Welcome to the Forum I have moved your topic to the appropriate forum  Residential and Commercial lettings/Freehold issues Please continue to post here.   Andy
    • Please provide advice on the following situation: I rented out my property to four students for 16 months until March 2024. Initially, the property was in very good condition, but now it needs extensive renovation. This includes redoing the bathroom, replacing the kitchen, removing wallpaper, and redecorating due to significant mold growth. The tenants also left their furniture on the grass, which is owned by the local authority. As a landlord, I've met all legal requirements. It seems the damage was caused by poor ventilation—windows were always closed, and heating wasn't used. There was also a bathroom leak fixed by reapplying silicone. I tried to claim insurance, but it was denied, citing tenant behavior as the cause by looking at the photos, which isn't covered. The deposit barely covers the repair costs, or else I'll have to pursue money claims, which I've never done before and am unsure about its legal complications or costs. Any thoughts on this?
    • The part in question was bought direct from Hotpoint (to replace a burnt door interlock and melted wiring). I'm unsure of the original retailer the machine was bought from, we're talking 5 years+ ago, but I can find out if absolutely necessary. It's one of the models that was listed on the recall list, but Hotpoint have stated for many years it wasn't an affected unit when given the serial number - I expect this is why they offered a FoC engineer visit because I sent them pictures of the (new ) burned door interlock.
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Packaged account complaint time barred


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Hi everyone.

First time for me posting so be gentle.

 

 

I have read this thread with interest as I've just been time barred for my packaged account complaint by the bank and FOS as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010 so I should have complained within 3 years from then.

 

 

My complaint is that they upgraded my account without my knowledge in 2003 and at a time when I was in financial difficulty and would not knowingly pay more in bank charges.

 

I'm keen to know what is a CCL letter that is mentioned earlier in this thread?

 

Thanks

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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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Hi everyone. First time for me posting so be gentle.

 

I've just been time barred for my packaged account complaint by the RBS and FOS

as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010

so I should have complained within 3 years from then.

 

I'm struggling to understand how anyone's complaint can possibly succeed if the Bank sent out these 'packs' over three years ago.

 

My original complaint is that they upgraded my account without my knowledge in 2003,

at a time when I was in financial difficulty and would not knowingly pay more to the bank in charges.

 

They actually upgraded both of my current accounts at the same time

and have upheld the complaint on one of them on the basis they shouldn't have upgraded both,

although they did reverse one of the accounts back to a fee free account a short time later

but they've now reimbursed the fees for the time period they were charged.

 

This fact alone seems to me that they accept the fact they miss sold me,

but are now rejecting the complaint on the other account by using the time bar rules.

 

I've only now made my complaint due to seeing all about these in the media

and doing some digging and realizing that I actually got sold tow of them in 2003.

 

I've also read on previous threads about CCL letters and am keen to know if these are to do with the banks using the time bar issue to reject complaints.

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http://www.fca.org.uk/static/pubs/guidance/gc12-04.pdf.

 

Link for CCL letter/FCA.

 

Andy

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  • 3 months later...

I am in a similar position having been provisioned with a NatWest AG account back in 2004 but got nowhere with NW or the FOS.

 

NatWest essentially told me my complaint was outside time limits and referred me to the FOS who are also siding with NW's position.

 

It is interesting to note that NW have settled some claims but are immediately rejecting other similar claims?

 

Unsure of the selective approach but considering writing again to NW senior team to ask them to reconsider their final decision on my case.

 

Paul

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I am in a similar position having been provisioned with a NatWest AG account back in 2004 but got nowhere with NW or the FOS.

 

NatWest essentially told me my complaint was outside time limits and referred me to the FOS who are also siding with NW's position.

 

It is interesting to note that NW have settled some claims but are immediately rejecting other similar claims?

 

Unsure of the selective approach but considering writing again to NW senior team to ask them to reconsider their final decision on my case.

 

Paul

 

Optional Current Account package charges ikilledbambi or PPI ?

 

PS you need to start your own thread.

 

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

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  • 4 months later...

I claimed these charges back with ease for some of my employee , yet personally I have met a brick wall .

 

 

They are stating outside FCA time scale , as they alledgey sent out a pack in 2009 , nine years after they simply switched it and it is from that date I should have reasonsably been aware , according to them .

 

 

I did raise it but was told by the actual manager at the time it was the only account available .

The uphold rate with the ombudsmen is apparently low.

 

 

I'm thinking letter before action

- breach of fiduciary duty all over again ,

they will not provide details of their legal department .

 

 

I think this is almost criminal

- they take money without permission ,

then say oh well we sent a pack out and throw the FCA into it to blindside

- they don't even quote the section of the handbook it relates too.

 

 

If anyone else took money without asking they would be a thief .

I became aware of this latest scandal in March.

 

 

 

 

Are there any of the old Cag team still on board .

 

 

Here were I really miss Martin ,

can't help thinking what he would have made of it all .

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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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