How about applying for a Visa in advance. That wouldn't cost too much. If there's a problem, at least you'll know about it without risking your air fares and insurance costs. The £1,00 sounds excessive and they let you go when you said you had no deposit. Hope you get to the wedding. Slick PS Don't drink too much at the reception;)

Simple...Have they told U what U, or anyone else's TRUE Cost of the Penalty Charges are?? How many times have they Defended, only to concede at the very last minute?? Hunt out the Facts + Figures!!! (...soz am off to work now + don't have a link readily to hand... ) In one of the LloydTSB Court Cases that was LOST during last summer, it was cos the ORIGINAL T & C's were NOT included in the Court Bundle + the District Judge took it upon himself to go searching for them on the internet. The Claimant failed to provide his original T & C's, upon which he was basing his argument that the Debits were Penalty Charges a

Good luck stone, Cant wait to see how you get on. You go show them you mean business!!!!

I promised an update to this thread. It's been a couple of months now and at last we have got some satisfaction from Barclays. After several phone calls I received a letter in early January 2008 that really did not answer any of our concerns at all. There was a generalised apology about the treatment we received at the branch, but no feedback on the particular areas of concern. I called Barclays' Customer Relations to complain again that the family's concerns had not been answered in the letter. I asked for an apology from the branch, but was told that they cannot issue apologies - these are done on their behalf by the Customer rela

They may read the forums but so what? They can't do anything other than bully. And they will receive dozens of SARs and CCA requests every day, so I doubt if they will identify any member of CAG. Don't worry.

You need a lasting power of attorney, not an enduring power of attorney. unfortunatly, they can be quite expensive - although you can fill the form in yourself, it is complicated. There are two types; your daughter needs to give you both types... some more info Managing your affairs and lasting power of attorney : Directgov - Over 50s .

And also write and tell them that proof that an account once existed in no way consitutes proof of a debt, enforcable or otherwise. And let them know that you consider their poo ridden communication to be as worthy of comment as would be the excretions of a ruminant's rectum. Therefore you see no point in continuing any form of dialogue, due to their nonsensical gainsaying of everything you have written to date.

Newbie, you said, "apparently the reason was alignment to wages. Pardon my ignorance but I don't even know what an alignment to wages is." F.Y.I. alignment payments are a stop-gap payment either - to benefit claimants when delays in processing their JSA, IS or IB etc. or - people returning to work whose final benefit payment is insufficient to last until first pay-day, e.g. moving from fortnightly paid welfare to a monthly salary. It will not be helpful going to the bother of obtaining either pay slips or tax records showing that you were working at the time of the alleged Crisis Loan, it doesn't prove that you couldn't have receive

Spot on, once they find the agreement and providing its enforceable they can restart enforcement activities again

Hi Stone everything sorted for tomorrow? All the best - you know we'll all be on here clicking "refresh" every 5 seconds until you appear, don't you

Take this further OP and write to the store in the first instance.

Crap One is quite a complimentary term, I've always thought. Far better and much more printable than some other names we could all think of for them:D And thanks, Steven, for being so complimentary. You are my top scale clicker!

Hi elecyac. Welcome to CAG. You can obtain bank statements from any bank as long as it is within the last six years and also whether the account is open or not. All you need to do is send a SAR (a template for this is in the bank template library - link below) add your details eg sort code, account number, name address etc and enclose £10 cheque or postal order made out to HSBC. link for letter:- http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html Letter needs to be sent to:- HSBC Bank Plc Service Quality Team Arlington Business Centre Millshaw Park Lane Leeds LS11 0

I note that Link are trying to get out of their obligations in another way, too. In their letter they say: A request pursuant to s.77/78 of the CCA 1974 requires the provision of any doument referred to in the agreement - which means the original terms and conditions, not the latest. Link should know this, so they are clearly attempting to be deceitful and misleading, contrary to OFT guidance. I stongly suspect that MBNA can't provide them, and you will get some specious waffle about how the latest T&Cs are provided in order to help you understand the current position.

Weather they have the right person or not is of no concern whatsoever to the DCA's...if they can get some vunerable sod to pay up who is not aware of their rights, then they wont lose a winks sleep over that

Yep send it and make them prove this debt is viable.

Hi The signature in a pre 2005 agreement does unfortunately not have to be on the same page as the prescribed terms nor does the no interspersing rule apply it does however have to be within the same document but this could run over many pages. This was rectified in the 2004/1482 where it states that the signature has to be uninterspercesed and within the same block as the rest of the section 1 etc information. This does not mean that a signature document and a set of T and cs will do as these would not be part of the same document nor is refering to another document containg the information allowed. THe application/agreement d

Please IGNORE THE TROLL. Do not respond to his posts. He will doubtless be back later when his shift finishes in Leeds.

I would also add my concerns here about there having been a deal done in advance. The consultation between the OFT and the banks is a concern. Moreover, I have always been suspect that the £20 plus billion ripped-off by the banks these last ten years is ever going to be allowed to be repaid. Government (let alone the banks) can't allow it. Let's also not bow the the psychologically emotive impact of the word "conspiracy" - which has been modified over the years to imply "crazy" on the part of those who advance alternative viewpoints - as if conspiracies never happen. Well, they do happen Everyday and in every strata of society and b

Personally, I take great offence at your comment about people on DLA. Have you any idea how hard it is to qualify for this particular benefit? No, I thought not. I'd rather have my health back and not be disabled and long term ill thank you very much. The only reason I can attend university is because I qualify for DSA (Disabled Students Allowance) and have a full time support worker and other arrangements to accomadate my disabilities. I'm studying for a degree to better myself so I won't have to rely on meager, almost impossible to qualify for benefits. When the DCAs mentioned in my previous post were abusing me, I had to resort t

First thing I would do is check with your bank, make sure the standing order was set up with the correct payment details, sort code, account number and reference number. Get your statements so you can show that the payments were being made. The reference number to use on the standing order is your account numbr, the sort code and account details would be shown on your Crap One statement. You need to find out where this money has gone, so the bank is the best place to start. If you have online banking you could probably check the details on there. You never know, it could be a banking error, so the bank may put it right. If everythi

I think you should make further research in to this subject, as you clearly only understand a little of what the UTCCR are and how they apply here - have you read the standard Court bundle, as this is covered in detail? For exampe, the UTCCR say that any term unilaterally inserted in to a contract, such as the pre- and mass-produced contracts the banks use, can be unfair. Regardless if you agree to the term or not, that has nothing to do with its perceived fairness - it's also part of the "contract" of the account, but this blows your argument (and the ones used by the bank) wide apart. Have you tried to negotiate a term in your cu

Well since my last post all that has been on is a platinum account cat and a non avatar classic account post non of which have told me anything except how betting works;) I would be happier if that Dennis Taylor lookalike worm was to speak to me then I will know there is no more news .

"ignore moral behaviour"? Very true of most debtors I think! "ignore laws". Ditto

Top QC or not, until the banks can show their charges are fair and justified, it leaves them open to claims based on the common law of penalties and the UTCCR. Where they cloak their charges as services, they are still subject to the law of penaties until they are open and honest with their customers about how they deal with unauthorised or unplanned payments that take you in to unauthorised or unplanned overdraft. Whether a charge is a penalty or not is a question of fact - not law - so your argument is circular until you get in front of a Judge who decides the facts, then applies the law to them. Doing it the other way around is

Hiya, send them the telephone harassment letter here. Best of luck!

Interesting internal telephone transcripts.

I’m not an expert but we are aware of the Rankone case. (Substitute “i” for “o”). That’s one where his and his missus’ other posts on other sites went as far as alleging forgery had taken place. As we all know it’s been very difficult to get details of that case as it went to the Court of Appeal and although a civil case as it seems as if there are reporting restrictions. Reporting restrictions in a civil case are not unusual – but in a Consumer Credit Case they are unheard of. Now this is pure speculation (but I bet I’m not far from the mark) that as the civil case may have involved allegations of criminal activity by the creditor, then

Yes we have seen it before, but they are wrong. They'd have to show that the original terms and conditions allowed for the variation at a future point in time, which they can only legitimately do by providing the originals, then showing the latest variations, to rely on them. This is definately a misunderstanding of the regulations.

The OFT has clearly stated that the remit and scope of their case is based solely upon whether or not the terms are unfair as defined under the UTCCR99, and are thus in breach of them. As the definition of "consumer" is actually clearly defined within the UTCCR99, and excludes those acting within the course of their business, then this should itself be adequate indication that the UTCCR99, and thus vis a vis the case itself should have no bearing upon "Business" account claims. The UTCCR clearly states its own scope: "A consumer is an individual not acting for the purposes of his or her business or profession". They c

lats....just look at all your green spots!! boy i'm so proud of you sis xx

Oh yes well spotted! Now that would change things.

The vast majority of resources on this matter are regarding notice given in periodic tenancies. This is because there is usually no reason to give notice during the fixed term tenancy, as you are not entitled to leave prior to the end of the tenancy anyway, and you can leave at the end of the fixed term without giving notice. Therefore, the question of notice does not come into it, but the question of surrender of the tenancy does(which we are wrongly discussing as notice). The surrender of a tenancy requires the agreement of ALL parties. If you want to confirm, contact PainSmith solicitors EDITED. They should be able to confirm this FOC