Jump to content

Leaderboard

  1. srfrench

    srfrench

    Registered Users

    Change your profile picture


    • Points

      1

    • Posts

      987


  2. nona

    nona

    Registered Users

    Change your profile picture


    • Points

      1

    • Posts

      269


  3. zootscoot

    zootscoot

    Registered Users

    Change your profile picture


    • Points

      1,869

    • Posts

      6,827


  4. buzz

    buzz

    Registered Users

    Change your profile picture


    • Points

      3

    • Posts

      62


Popular Content

Showing content with the highest reputation on 30/10/06 in all areas

  1. Okey Dokey......... The Court Order issued on the 12th Oct ordering Abbey to disclose the material breakdown of their Bank Charges expires this Friday after 4pm 3rd November. In the continuing spirit of the Boy Scout movement, I am preparing myself and girding my loins for further process......... (what the hell is girding?) Can peeps comment on my draft letter to my District Judge which will be sent this Saturday morning. Comments greatly appreciated. District Judge Wibble Harrogate County Courts 2 Victoria Avenue Harrogate N. Yorks HG1 1EL 4th November 2006 Claim Number: LaLaLadeeLaa (Stephen French v. Abbey National PLC) Dear District Judge Wibble With reference to the above claim, I thank you for issuing a Court Order on the 12th October 2006 ordering the Defendant [Abbey National PLC] to disclose their calculations and material breakdown of their charges by the 3rd November 2006. To date I have not received any communication nor documentation from the Defendant pertaining to the above. Since this is the key part to their argument and defence, I am very surprised they have still failed to disclose it. As such, it is with respect that I beg the Courts’ indulgence to have their defence struck out as to having no merit and for further directions being issued bearing in mind the Defendants’ continuing abuse of Court process and resource. I believe such an action would bring a rapid end to this litigation. many thanks in advance Guys and Gals!
  2. Hi Carol and good luck with your claim. Have you started your own thread in your relevant bank forum? This will be seen by people who are dealing with the same bank and will be able to help you should you need it. Keep it updated with your progress. Good luck Nona
  3. I don't see why not - they should be able to get all your details from your name/address. They may ask for proof of ID but go for it. HSBC will give you your account number if you go to your local branch, they'll even give you free copy statements (though do stick to the tried and test SAR method, with regards to getting statements)
  4. Hi, and welcome to the club! Print out two copies of the schedule which include the 8% interest and send one to: The Court Manager Money Claim Online Northampton County Court 21-27 St. Katharine's Street Northampton NN1 2LH quoting your Claim Reference number on the schedule. and the other to: Barclays Bank PLC Litigation and Disputes team Level 29 1 Churchill Place London E14 5HP with the reference number on the letters they have been sending to you. With each Schedule,enclose a covering note asking that they attach it to your file and that you've sent a copy to the other party. If this post has helped you, please acknowledge by clicking on my scales above.
  5. Thank you for your surport, I'm now looking forward to getting the first hurdle out of the way. As I see it you have to get it right from the start with all letters to the bank.
  6. YOU ARE NOT IN THE WRONG!!!!! Firstly, you could say you delayed sending your letter before action as you wanted to give them more time to reflect on their decision. Secondly, you didn't need to make a S.A.R. request as you knew what to claim for. I claimed back 4 years from the internet banking site. I was better with money before then! Thirdly, its down to them to prove that charging £30 per returned direct debit is justified. Why won't they disclose this information? If they did it would bring an end to all these claims. Your doing great, GOOD LUCK
  7. Hello and Welcome First of all dont panic - you will soon have your money back in your hands where it belongs!! Yes you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!! Remember the banks have acted unlawful you havent!!! Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!! Before you start, make sure you start your own thread in the bank you are claiming against forum. AS you have already posted this one, I assume you already know how to do that! First you need to send this letter and Remember you can claim as far back as six years!!!! http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html next you need to send http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html I would advise that you opened a parchute account, there are details of this in the FAQ, in addition I would send your bank this letter, to stop them from taking further action whils this account is overdrawn and in dispute http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you. Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!! Sometimes it can be stressful especially if the banks start to mess you around and tell you that they will win in court - remember the banks have never once been to court they always settle first!!!!! So dont be intimedated!!!! Good Luck
  8. mak it payable to the specific bank you are requesting statements from
  9. they have to have a very good reason and I dont think that they have actually closed anyones account yet, but might be worth having a parachute account just in case. By the rules of the Banking charter or some other numpty banking body, they cannot close your account for complaining about bank charges Hope this helps
  10. You need apply to amend your claim using a N244 application form. http://www.hmcourts-service.gov.uk/courtfinder/forms/n244_0400.pdf. This carries a fee of £35. Fill it out something like this: Print out the N1 particulars of claim from the templates library, set the page out like this: Attach your spreadsheet and take 3 copies to the court, along with 3 copies of the completed N244. Tell the court staff what has happened, apologise for their inconveniance, and ask that your current particulars of claim are disregarded and replaced by the new ones. It will have to go before a judge to ok the amendment, and you could possibily get called for an application hearing which is nothing to worry about. I would also strongly suggest that you read the step by step instructions and FAQ's (in my sig)
  11. Going through MCOL, you need an English address for correspondance etc. I will be going through the Sherrif court under summary cause for the first lot (£1500) if they dont settle beforehand. and my claim is with TMcL's office at: Royal Bank Of Scotland Customer Relations Unit Retail Market support Ground Floor The Forthstone 56 South Gyle Crescent Edinburgh EH12 9LE
  12. well, here i am. just signed up to this site and it looks like it is goin to be a god send for advice on claiming back my charges my beef is with barclays so it's encouraging to read how many have succeded... ok, so i'm orf to read the FAQ's section before i start askin any stupid questions (there's likely to be a few of em i'm sure ) so is it customary to get the virtual drinks in on your first post? if so, i'l be havin a cuppa and a bacon butty please, what can i get y'all?
  13. Sam, don't wait for them to reply to you. If you have sent them the first letter on 2nd September then your second letter, the LBA is long overdue. Stick to your timetable and do not be fobbed off by their timewasting tactics. Send your LBA today and file a court claim in two weeks if you have not received a full refund. Look here for more details. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html
  14. I agree - afterall, the Information Commissioners Office which is meant to be there to make sure companies comply with the Data Protection Act and, essentilly protcet us, the consumer, has told the CRAs that they are able to store Deautld accounts for up to 6 years and do not need consent - even though the Data Protection Act states te EXACT opposite!! Hmmm..the Information Commissioners Office is meant to be an expert on the DPA and uphold its requirements...ah well, ho hum!
  15. Dont get too excited, its a bit like one of those catalogues you get with the sunday papers, so if you want incontinence pants youre ok, otherwise forget it. Glenn PS my wife does tell me the pants I got are better than the ones i used to wear but they leak overnight. PPS #. Is this contribution worth a click?
  16. Hi Tombooth First of all just keep reading this site over and over. Take your time and do things correctly, and you will get your charges back. Some are also getting Early Redemption Penalty charges back. I am going through a claim at the moment. There are some links at the bottom of my page to get you started. Good luck Ukaviator
  17. Hi and welcome.there certainly is a lot to do and this involves reading and digesting the info. Start with the faqs and then have a look at some bank threads. Good for starters.You shouldnt need to rely on luck. More impirtant is patience and a good understanding of procedures ......which are all explained on the site !!
  18. bearo

    False Start

    Ok so I would now write a final letter before action outlining your intentions, also including in it that you will accept their offer as partial settlement only and will pursue the rest in court.....the letter you need to send it here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html As you have sent two letters already (be it one was written by barlcays for you) I would be tempted to give them only 7 days as opposed to another 14 however that is your decision, you can follow set procedure and gie them another 14 days if you want to play safe..... Hope that helps Sharon
  19. Look in the library...The fount of all knowledge. Click on this link for Basic Court Bundle. Add to that any infor etc that applies specifically to your case. BARCLAYS BANK FORUM
  20. I used to work for Merloni (makers of Indesit + Ariston) and now (ironically) I work for Siemens! Although I have nothing whatsoever to do with domestic appliances! However, I really do sympathise with you because I remember what it used to be like. Basically, your washing machine stopped working within 28 days of purchasing it. That means that you have purchased an appliance which is not fit for the purpose for which is was intended, breaching the Sales of Goods Act 1982 (as amended). You are now perfectly entitled to a refund or a replacement (indeed, you do not have to settle with the one they prefer, which is a replacement). Your contract is with the retailer (i.e. who you bought it off) and not with the manufacturer (surprisingly) and in legal terms, it is Currys with whom you have the grievance. My advice to you would be to go into a store, keep calm and speak to a manager. Get buffed up on the Sales of Goods Act and remind them that you are entitled to a refund immediately, and that you wish to 'repudiate the contract' with immediate effect, due to the breach. If you want to be particularly fancy, you can go to Her Majesty's Courts Service - Home and navigate your way through to finding the form number "N1". Download it, type it all in there and take a copy down to Currys, and advise them that you will issue proceedings for the small claims court unless this matter is resolved within 7 days. As for what you do not - mark your letters "WITHOUT PREJUDICE", which means you will be able to use them in court (if it ever goes that far) and tell them that should they attempt to cover up their breach, then you will also include claims for damages and report them to Trading Standards (which I think you have done?) To be honest, so many retailers prey on the fact consumer's are generally "unsavvy" with the law, and that due to their size and popularity, what they say is correct - it's not, and no shop offers training on the ins and outs of the law!!
  21. Hi, I'm a community pharmacist so I might be able to add some fresh insights/clear up a few things. My wife also has fibromyalgia and needs to take a huge amount of medication each day to be pain-free. She has to pay for all of this, normally five or six items per month, except that she has a prepayment certificate. Basically, the only conditions that are automatically exempt are: hypothyroidism, diabetes mellitus not treated by diet alone, epilepsy requiring constant anticonvulsant treatment, a permanent disability that makes it impossible for you to go out alone, and an ostomy requiring permanent surgical dressing - there might be more but I'm at home and don't have the info with me. Strictly speaking, you are only exempt if you have one of these conditions AND have a Medical Exemption certificate, which has to be obtained from the Prescription Pricing Division of the NHS Business Services Authority (I'll call it the PPD from now on as that's easier!) - unless you've been issued with the certificate you are strictly speaking committing fraud even if you have the condition. Your GP has to countersign the application to confirm you have the condition you're claiming for. The certificate starts from the 1st of the month the application was received, so if you ask for an NHS receipt from the pharmacy, you might be able to claim the charges back depending on the dates etc. If you don't have the condition then you can be exempt if you're under 16, over 60 or 16-18 and in full-time education, pregnant, on income support*, income-based Jobseeker's*, Pension Credit Guarantee*, or NHS Tax Credit Exemption Certificate*, hold an HC2 certificate (low income but not in receipt of benefits), or have a pre-payment certificate (PPC) (* means you're exempt if you or your partner gets this benefit). There's a few interesting things about PPCs - they are valid for four or twelve months, and are worthwhile if you get more than five prescription items in a four-month period. They cover all medication, so stuff you take regularly and one-offs like antibiotics are included. They can also be backdated by up to one month, and if you ask the pharmacist for an "NHS Receipt" when you collect your prescription, the charge can be refunded once you have purchased the certificate, provided the PPC covers the date the charge was paid. Note about NHS receipts - these have to be on a specific form (FP57) - a till receipt isn't sufficient, but all pharmacies should issue an FP57 on request. HC2 certificates are issued to people on low incomes who aren't in receipt of other benefits that make them exempt but the criteria are quite strict. Most pharmacies keep the application forms. Again, charges can be refunded against an NHS receipt as long as the certificate covers the period the receipt was issued, or you can send off receipts with the application form. This is the only way that students might be exempt (unless medically) but unfairly they count the Student Loan as income, even though it has to be paid back. Also, prescription charges normally increase in April each year. If you buy a 12-month PPC at the end of March, you will pay the current price but be covered for twelve months even though the prescription charge and therefore PPC price increases a few days later. Finally, there was an announcement in this weeks Pharmaceutical Journal regarding some changes that will come into effect next year - the Government are reviewing the charges situation in England (Wales and Scotland are devolved to their National Assemblies) but basically from next July you will be able to pay for a PPC by monthly direct debit of around £7, which I'm sure is going to help a lot of people (particularly as the prescription charge will have increased again to around £6.80 by then). One more thing to remember is Private Prescriptions - the charge you pay for an NHS prescription is set by the Government and bears no relationship to the cost or quantity of the drug you have been prescribed. So, even if the drug only costs pence, or several hundred pounds, you pay the same charge. Private prescriptions are totally different. The NHS is not involved in any way, any pharmacy can dispense them and GPs are allowed to issue them to NHS patients if they request them. However, one thing pharmacies cannot do is dispense NHS prescriptions as private prescriptions, as our contract with the NHS prohibits this. But a lot of drugs are cheaper on private prescription than NHS prescription, e.g. bendroflumethiazide, atenolol, amoxicillin to mention just a few, so it might be worth asking your local pharmacist how much your regular meds would cost from them on a private prescription - bear in mind however that there is no standard pricing scheme for private prescriptions so different pharmacies will charge different prices, and the cost is directly related to the cost and quantity of the drug. Finally, there have been quite a few changes of drugs from prescription-only to pharmacy-only status, so it might be worth asking your pharmacist if your prescribed drugs can be bought over-the-counter (OTC) cheaper. And one last thing - Drontal and Frontline, two of the most used veterinary products for worms and fleas respectively can now be purchased from pharmacies without a vet's prescription, and probably a lot cheaper as well (we've just started doing this in Littlehampton). Hope this has been helpful!
  22. There are 2 instances of interest you can claim: 1.When you go overdrawn the bank will charge you interest, perfectly lawfully. However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure. Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this Some people find this quite complex and so, for simplicity's sake, don't bother This is the interest referred to in the preliminary and LBA letters. 2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim
  23. Hi Have a read through this, http://www.consumeractiongroup.co.uk/forum/legalities/11227-limitation-act-1980-lets.html it does make heavy reading but is essential if you feel the need to claim longer than the normal 6 years, there are links within it too. Best of luck
  24. I would check that his new business is viable then send your lba, i think he's had long enough to respond dont you? he's giving you the runaround big stylee!!
  25. NO problem at all trust. please keep us updated so we can help if you need it. Feel free to PM me if you want to.
  26. I included the following in my Particulars of Claim: c) The Defendant has concealed, and continues to conceal that the charges debited are unlawful. If this is not the case, and the Defendant truly believes that these charges are lawful, then the Claimant contends that the Defendant is mistaken. As the Claimant only became aware during February 2006 that the charges debited were unlawful, then section 32(1)(b), or section 32(1)©, of the Limitation Act 1980 should apply, and the charges debited are therefore within the primary limitation period. I then included the following in my Responce to the Defence, where they dispute the above: Paragraph 4 is noted, however the Claimant disagrees with the Defendant’s viewpoint, and would make the following statement in support of section 5© of the Particulars of Claim: The Claimant, as a lay person with no legal training or expertise, could not be expected to have the legal knowledge to question the validity and lawfulness of the charges that have been applied to the account as shown in the spreadsheet filed with the original claim. The Claimant learned that these charges were unlawful during February 2006, after media publicity was given to a legal claim regarding the legality of bank charges. This led to the Claimant making further investigation and seeking advice through the Consumer Action Group website, and other Internet based legal sources. The Claimant would also cite the statement made by the Office of Fair Trading dated 5th April 2006, which stated that charges levied by Credit Card Companies were disproportionate, and likely to be unlawful. The report also contained the view that, “The broad principles set out in this statement are likely to be relevant to other default charges in standard agreements with consumers, such as those for mortgages, store cards and bank accounts.” The Defendant is a major financial institution within a group of companies that have interests throughout the world. They operate as fiduciary to many thousands of customers in the UK, and employ a large staff which includes experienced corporate lawyers and accountants. At some point, the Defendant must have made a business decision to apply a charge to a customer account where a breach of contract took place, which was disproportionate to the banks actual losses for that breach. In making this decision, it would reasonably be expected that a company operating in such a position of high trust and fiduciary responsibility would have taken legal counsel when making such a decision. The Claimant holds that if the Defendant did take legal counsel on this issue, then it has made a decision in the full knowledge that the said charges were unlawful, and that they have deliberately concealed this fact from their customers, and therefore section 32(1)(b) of the Limitation Act 1980 should apply. The Claimant holds that if the Defendant did not take legal counsel on this issue, then they did not operate with the reasonable diligence that would be expected of an experienced fiduciary, and that their failure to seek such legal counsel at the time should have been declared when the bank did eventually seek such legal counsel, and that by not making such a declaration the Defendant has continued to show deliberate concealment and therefore section 32(1)(b) of the Limitation Act 1980 should apply. The Claimant holds that if the Defendant did not take legal counsel on this issue, and are genuinely unaware that the said charges are unlawful, and that the court does not uphold the Claimant’s view that section 32(1)(b) of the Limitation Act 1980 should apply, then the Claimant holds that section 32(1)© of the said Act should apply.
  27. Yes, you can specify how it is to be paid, but wouldn't it be a good idea to clear your overdraft? Then you wouldn't incur any more charges. It's your money and you deal with it as you deem fit, but give it some thought. Good luck with your claim.
  28. Yup - if you can scan them as a PDF great, jpeg if not. Do remember, the ICO is only there to ensure the rules a kept - they'll not fine the company or assist you in compensation, you've to use the courts yourself for that. The bottom line is it adds on the oificial aggro.... but do remember they're pretty slow in getting things done!
  29. hi, Not to sure if you can file for this on MCOL because it is primarily the Data that you are after. You will need to give a monetary value of the claim otherwise it will cost you more in fees. If you read my thread http://www.consumeractiongroup.co.uk/forum/halifax-bank/10610-morgan054-halifax.html you will see the idea. Use the template http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html to fill in the N1 form I put costs of 2 x Registered letters plus stationery at £10 to the "Value" on the form so it only cost me £30 court fee which of course you get back, the only thing is you will need to take it to your local County Court. Hope that is clearer for you but if in doubt just shout
  30. Hi Jamorgan, here is the defence as promised, the numbers and some of the structure have been distorted a little on copying and pasting it.You can get the basic jist of it. If you pm me your e-mail address I can e-mail it to you as a word document. You might want to go through and check the spelling or see if there is anything you'd like to add or leave off. I'm also going to direct some others here to take a look so you might want to see if any one else has any comments before submitting it. All the best Zoot
  31. But the CCA ALSO requires the same disclosure of any Default Notice...surely that can't have been issued more than six years ago? Are you relying too much on the actual signed contract... the legislation also covers off default Notices being produced and copies available. If a DN was produced more than six years ago, then the CRAs have to remove it off anyway, under their old Mickey-Mouse "industry standards" inhouse rule, and if not more than six years, then get them to prove it was issued. I've got the same issue on another person's case I'm working on, where they are trying to throw the Data Protection Act back because of the presumed six-year records retention rule. The account was opened in 1991 and they claim they can't find and don't need to find the contract. However, the Default Notice was, allegedly, issued in 2003. I am asking them to prove it, or it's inaccurate data held on my friend's file. If they can't produce a default notice then, under the CCA, no default has occurred, in which case the CRA is holding incorrect data on you. Look up sections 87-89 of the CCA for details on DNs. Why don't you issue a StatNote to the CRAs (any that are lodging the default account) and tell them that they must remove the default marker as you consider it inaccurate data. If they wish to challenge your demand, then they must request a copy of the default notice from the lender to prove that THEY have the right to hold such an adverse piece of data. It is not up to you to prove you're right, it's up to THEM to prove you wrong. Make it a condition of any exemption that they must back up any exemption they wish to prove by means of a document to prove their facts. State that you do not want merely a statement from them claiming to be correct - you want to see the goodies. [Hey, that reminds me...we all want to see the Goodies...let's start a campaign against the BBC repeats department!!) Okay, I digress.... What the CRAs are tending to do these days is just writing to everyone saying "no because", but NOT including their proof of evidence. The only part of the First Principle of the Data Protection Act that the CRA could even 'hope' (in a month of blue-moon Sundays) to defend an exemption is to challenge on clause 6(1): "6. - (1) The processing is necessary for the purposes of legitimate interests pursued by the data controller or by the third party or parties to whom the data are disclosed, except where the processing is unwarranted in any particular case by reason of prejudice to the rights and freedoms or legitimate interests of the data subject." Every other clause under the First principle of processing Personal Data cannot be applied, and it they argue clause 1, then simply withdraw your permission by letter. Clause 6 is their last chance saloon, but the HAVE TO PROVE IT in any exemption letter they send you. By Law, they do not have a legitimate interest whatsoever unless they can show it... a reply in a letter stating "yes, we can, because the bank says so" is NOT under any circumstances a defence to this part of the Act. THEY HAVE TO PROVE IT with copies. A bit of De Bono laterals in making them do the work should be applied Everyone needs to understand that the CRAs cannot insist on doing nothing until the banks say so and authorise changes to the credit files - this is another big fallacy that the CRAs have perpetuated to cut down their own work. They are a separate Data Controller, and you have as much right to demand that they correct your data, as you do to tell the banks to do it. If the banks/suppliers want to start playing silly beggars and playing three-thick-monkeys*, (and Vodafone's behaviour on this aspect lately is nothing short of scandalous) then just deal with the CRA - they HAVE to talk to you and action your requests. [*The three thick monkeys: 1. Can't see no contract = I don't know where to get it from, and din't even know we had to keep them 2. Can't speak to you about your contract = because I don't understand it, or contractual Law. 3. Can't hear you....Not listening......Not listening......la la....la la....la la....la la....la la....la la.... speak to the hand, because I'm a dumb call-centre Muppet who wouldn't know the DPA if was included in my box of Frosties...even though about 50% of all my calls are about related issues and my bosses won't let me go on a course - not that I'd understand it anyway - but also won't let me refer cases upwards becuase they don't understand the issues either, so I just around in circles with pi**ed-off consumers like a hypnotic carousel until stress does me in and I relaise that my employer is actually a crook and charlatan and leave] There... that's much better...bit of anger release there... I have people in the Director's offices of the Three Amoebas, writing letters for me to the banks/suppliers - cuts my work right down. BTW, I wasn't insinuating YOU are stupid...but some people are crashing in on my original methods and complicating the matter with all sorts of tangential spin-offs and wacky ideas...and it is simply now starting to confuse some people. My comment about rocket science was a plea to get back to the simple basics, because this is not a difficult concept, if you follow the templates. I can see why BankFodder is posting that he's sick and tired of people complicating the refunds process... by not breaking it down into simple chunks and taking the time to read through the tried and tested method. Some people on this site are starting to go off on all sorts of tactics, like "should we be suing solicitors for defending the banks when they also know penalties are unlawful", etc. This site is about defending rights, and the common man using their rights under the Law to get back what is rightfully theirs, and THEN take it further to start pressure to get Govt. to regulate these companies a bit better. People are coming to this site to fight injustice with the same Law that the banks are entitled to - everyone just wants a level playing field. After all, if there was no such thing as banking in this country, we'd have to go back 700 years to groats and bartering. It is not about trying to bring down the country (as far as I knew)...if people want to go off on their own agenda, then try Anarchy Solutions Homepage and see how far that little project has progressed. As to 'stupid'... If you've got a PhD in that particular subject, then I bow down in reverence...my lowly Doctrine in Informatics and Systems Processing pales into insignificance... my mere waxed scroll only means I can explain how 'puters and processes work...you can probably explain the Big Bang and the creation of the universe... ...the only other person who knows that is God.
  32. hi yes standard letter just wait until 14 days from sending lba to file mcol good luck not long now
  33. Hi Samantha Can you start a thread in the HSBC bank forum and post all your questions in there and keep to one thread so other can see where you are and help you as this is just a welcome forum and for first posts:) In the HSBC forum you will find all the info for them and where to send everything. But if you take it into the branch you can do this with your £10 but make sure you get a receipt for it OR most like to send it to the H/O by recorded delivery. Good luck
  34. happy to be of service-if you think I've been able to help,please click on the scales top right thanks
  35. For those that have looked at their statements and may be wondering, what can i claim for?, and why are the descriptions confusing?, what about the overdraft interest is that claimable aswell? wonder no more. you can claim for anything which is deemed a penalty charge, which includes: returned direct debits, card mis-use, unpaid standing order, unpaid item, exceeding your overdraft, overdraft interest (see below), total charges (see below) notifed fees Unauthorised overdraft arrangement fees (more will be added as and when confirmation is found) you can not claim for: ATM (cash machine) usage (typically £1), an agreed overdraft fee, anything which is deemed a "service" by the bank (more will be added as and when confirmation is found) Overdraft interest This is the single most confusing part of most peoples claim, and one of the most frequently asked questions overdraft interest is applied to your whole overdraft, however if some of your overdraft is made up from (unlawfull) charges, then a proportion of the interest has been wrongly applied and is therefore reclaimable Example you have a £400 overdraft, you purchase something that day for £200 so now you are -£200 on your current account balance, but on the same day £200 of charges are placed on your account, which means that your current account balance is now -£400 and the bank will charge interest on the whole £400, but as we are contesting that these charges are unlawfull, then the interest should not be placed on the whole amount, only on the amount that you have actually spent, therefore in this example you can claim back 50% of the interest, however these calculations have to be done daily to truly reflect the amount which can be reclaimed, Dont worry, Vampiress has made a spreadsheet that will calculate this for you, you can find it here, but please read the instructions that come with it; Overdraft interest calculator thread Total charges (HSBC) Again this is another issue which many people aren't sure about, total charges are reclaimable, they are a seperate issue to the other afore mentioned charges (card mis-use, returned d-d's etc), and are not simply all of these charges added together each month. so they are also claimable on top of the other charges "total charges" also listed as notified fees refers to the charge they put on your account for going over your overdraft limit, this charge is calculated daily, and they can charge up to a maximum of £125 in one month for this, it is then debited from your account on a set date every month Important! For buisness accounts ONLY the "total charges" include a combination of reclaimable and genuine charges, and you will need a breakdown to exactly know what proportion of "total charges" are unlawful.
  36. A lot of companies usually withold their number. I have caller display and witheld number reject. It costs about £3 a quarter. If anyone phones and witholds their number, they get a message asking them to dial 1470 before the number they are calling, to display theirs. If they dont, the call will not get through. This however does not work with calls from outside the UK, but the display reads "call", with no number. You then know it is from abroad and possibly a sales or other unwelcome company, so just ignore it. Buzz.
  37. He's also got a colleague called Gary Parkins.......another DPA Administrator - wonder how long they have been in this job? Perhaps they are brand new posts! LOL
×
×
  • Create New...