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peterfoyle

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About peterfoyle

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. I don't think it does - they can't enforce an agreement which breaks the law, as they are finding out when the courts chuck out the 'but it's in our terms and conditions' arguement. As I said, he'll probably be closing the account soon anyway, but I'd be happy to argue the toss with them in court. The way things are moving, they will surely, along with other banks, reduce these charges dramatically, and find another way of getting money out of their customers.
  5. I helped my son pursue the Halifax for two returned direct debits @ £39, and an unauthorised overdraft fee £28. After sending an initial letter pointing out the illegality of the charges and the number of people currently pursuing them through the courts, he recieved: Within the 10 day limit he set, a letter giving a complaint reference, and a phone number to chase things up (which turned out to be wrong!!) Two weeks later a letter (which I've seen on here before) explaining at length how justified they were in making the charges, but they were prepared to refund them in this c
  6. Posting that I hadn't had a reply did the trick - a letter arrived today 'thank you; we are investigating your complaint. We will send you a full reply shortly.' So that's all right then! I'll give them seven days I think before step 2.
  7. Yes, I know the charges, some of which hadn't yet happened, but had been notified. I asked them to refund charges made & not take the new ones, giving them ten days to reply. I also quoted the case they had just lost, as reported here. In my next letter, I'll include the other three they've lost since then. I sent it to Leeds, where the charging letters had come from (apparently Gary Kettle now works there!). I think I should send future ones to the main office.
  8. Thanks - yes, I know how much. It strikes me as the safer way of proceeding - it just means the 40 day delay. It's only £100, so I might ask also if they seriously think it's worth their while being obstructive (while making it clear they'll be in court if necessary)
  9. I've sent a letter asking for charges to be refunded, which has been met with a stony silence. I know that if they'd replied saying 'this is how much it costs' I could have asked for evidence of manual intervention. Should I ask for this now, before taking action, so that when it goes to court I can show their lack of evidence. It occured to me that if I go straight to court, their defence could be 'this is how much it costs' and I wouldn't have any way of refuting it. Brilliant website - particularly useful to be able to quote at them all the cases they've lost in the last few
  10. I told the nice people at the Halifax about the site in my initial letter, on the basis that: 1) It showed I knew how to pursue the case, to court if neccessary 2) If they realised how many informed people were starting action against them, they might decide the cheapest option was to pay up.
  11. I can't believe how good it feels threatening them with court action. I wrote a letter for my son's account, where they've taken the best part of a weeks wages off him in the last three months, with more planned. I've pointed out they have settled two cases at least (reported here). If they continue to make charges which they know to be unlawful, can I also claim for distress/aggro of having to pursue a claim with them? One interesting development - if you google 'illegal bank charges' a solicitor's web site comes up who are looking for your business in claiming back unlawful bank ch
  12. Supposing I tell my bank that I will not be requiring their 'bouncing' service???
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