Jump to content


  • Tweets

  • Posts

    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
  • 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

Struggling re Santander overdraft charges and repayment of loan.


Vixen7
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2353 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

I'm at the end of my tether.

I'm with Santander bank, have been for many years and had no problems.

I've had several loans with them over the years,

never defaulted,

always paid them off in time.

 

I took out a loan with them in 2015 for £6300.

Monthly repayments of £139.90.

 

Then 14 mths months ago, as many people were, I was called in for a face-to- face 'assessment' with ATOS re my PIP (been on high rate DLA for both Care and Mobility since 2003, changed to PIP in 2013 without any assessment).

 

My payments were downgraded to 'Basic' for both Mobility and Care. I therefore lost £250 per month.

 

Since then I have struggled financially and been having to use my overdraft to LIVE.

 

For over a year now, every month, I am getting to the top of my overdraft limit £1,400), never have enough money going in to pay it all off and am getting charged every month £31 for using it (£1 per day).

 

Charges which have now totalled £434, which I can ill afford.

 

I rang the loan dept at the bank to request that I pay my loan back at a lower rate each month.

 

Spent 45 mins on the phone listing my incomings and outgoings to be told at the end of it that he didn't think there was any point passing me on to the their Debt help dept to lower the loan repayments as it looked (on paper) that I have X amount of 'disposable income' each month !.

 

I pointed out that I have NO disposable income because I have been living on Santander's money-(the overdraft) for over a year, the overdraft which he could clearly see I have been 'stuck in' and cannot pay off and which they are still charging fees for every month. He said there was nothing he could do to help me.

 

the call was a waste of time.

 

Since then, I read on this forum about the fact that Banks shouldn't be taking charges from people's benefit money.

 

I am on PIP, ESA and have a smallish Occupational Pension from my previously employer.

 

My question : would the no charging of fees still be applicable in my case as I'm not soley on benefits with having the Occ Pension too ?. Would it be worth me asking for a suspension of the charges?.

 

Next question :

I am considering making an appointment and going into the bank to discuss these financial problems and ask can they add the overdraft I owe (£1,400) onto my existing loan and allow me to alter the repayments to a lower manageable rate. I would obviously take a list of my Incomings and Outgoings to the appointment. Last question, if the bank agreed to this, would it affect my Credit record which is good ?.

 

Has anyone on here been able to do the above successfully ?.

 

Thanks in advance to anyone who can assist and I'd like to say what an excellent forum this is, I've had some great advice previously and wish I had the funds to make a small donation (which I obviously haven't !).

 

PS. I should add that my bank loan is an unsecured one.

Link to post
Share on other sites

get you income out of their gubby hands

 

open a parachute account.

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

get you income out of their gubby hands

 

open a parachute account.

 

Hi dx100uk. I'd thought of opening a bank account elsewhere but wouldn't the new bank want to check whether I had debts with the old bank before accepting me?.

 

Also,

although with a new bank I could have the loan repayments transferred each month to Santander, it wouldn't solve the problem of the fact that I owe them a £1,400 overdraft, which they would obviously chase me for.

 

I've tried my best to not go down the route of ending up with a bad credit rating, as it's been good for 25 years.

 

It would affect me for things in the future, eg, I pay my car insurance monthly as I've not been able to pay it in a lump sum each year. So dunno what the answer is at the moment !.

 

Cheers anyway.

Link to post
Share on other sites

sadly I don't think you will avoid a screwed credit rating whichever way you go.

 

get your money out of their grubby hands

TAKE CONTROL OF IT..

its YOUR MONEY

 

co-op or the post office do on lime applications.

 

because you've been with them for ..XX yrs and you've let them mug you till now

satans bank wont give a monkey's about your problems.

 

there are letters in the debt collection forum of the library to

TELL THEM , they will only be getting £XX for xxMts

asking to freeze and stop penalty charges

if they don't then you sent the next letter giving them

 

they are duty bound to help you

 

but stay off the phone writing only

you need a papertrial.

 

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

Hi again dx100uk. After reading up on the ramifications of going down the 'Bank please help me and lower my payments' route and the future problems this could cause for me, I've been on Martin Lewis 's debt advice site.

Just spent several hours on there and other sites, reading up on stuff (head's spinning) .

 

On Martin's site there are lists of other banks and organisations which do loans at MUCH better, lower interest rates and lower monthly repayments than my current one. It also gives your percentage chances of getting a loan, plus all of the APR's and terms.

 

I've therefore applied and should have an answer by tomorrow. I've applied for a more favourable loan at a far lower monthly rate I can manage, plus minimal interest (Sainsbury's Bank) and if successful, I'm going to pay off in full my current Santander loan PLUS the overdraft I owe. I'm then going to change to a different bank.

 

This will avoid the problem I didn't want to have in the future by NOT-buggerering (excuse the term) up my credit rating. Will get back to you when I hear about the loan. Cheers.

 

PS. With Sainsbury's you do not have to be in employment to secure a loan as long as your Income is above a certain amount.

Edited by Vixen7
Link to post
Share on other sites

UPDATE. Got the loan, will be in my bank in 4 days. Will then pay off the overdraft and the Santander loan :-). And will have a new loan at a much lower monthly rate and at less than a quarter of the interest Santander charge !. I will then be changing banks.

For anyone's information, First Direct do a standard account with an authorised overdraft of up to £250 with NO CHARGE for using it !.

Thanks again.

Edited by Vixen7
adding a thankyou
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...