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Joan Blanch

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Posts posted by Joan Blanch

  1. Hi again also write about the way she spoke asking to speak to your manager. It should be recorded as their phone calls are recorded. I don't know if you can ask for compensation for harassment but put an official complaint to their Head Office. There is no way they should do this to your place of work - it's harassment and could have got you into deep trouble at work.

    Let me know how you get on. Good luck.

    Hi the first thing you should do is write to them explaining you wish them to take your work no of your record - or if you can do this online on their website do that - you can even type in a number which is not your number (Ie a fake no). Write to the Head Office explaining you want your work no removed from your account and that they should never call you again at your work. Ask them in future to put everything in writing and not to phone you at all. If you put this in writing and send it recorded delivery then you have proof and it's legally binding.

    If you are behind with your payments you could write to them and say that you are having financial difficulties at the present time and let them know what payments you can make each month - even if it's half or a third of what you normally pay. Give them a time period when you expect you will catch up. Be realistic with this for example if you owen £100 and you can only pay £10 a month tell them this saying you will pay an extra £10 a month for 10 months until you are up to date with your payments. They would rather you pay something than nothing.

    If you are having real difficulty making any payments you can contact your local citizens advice office or a free debt management scheme to get you onto smaller payments which you can afford. They take into account all your income and they give you a good allowance for having a life. But they stop you getting credit. Make sure if you do this it is a "free" scheme and not one where they take a payment monthly from you. You should be able to find out from your local council if there is one in place. Remember it's a "debt management scheme" - you don't go bankrupt and no-one can take your home from you - you get someone to sort out a plan for you and you make payments through a legitimate company who don't charge you anything. A lot of people don't know these companies exist and go into one of the ones that used to/or maybe still do get advertised on the TV or on the internet by email etc which cost money to you and you never get out of debt. Ignore these ones - go through your council or citizens advice.

    Don't suffer in silence - if you can't pay don't ignore it as that's the worst you can do. I've been there. I was relieved when I got mine all sorted out. I am now no longer stressed and making payments I can afford.

    Good luck and don't let them beat you. If you have any further questions just ask.

    8-)

  2. Hi the first thing you should do is write to them explaining you wish them to take your work no of your record - or if you can do this online on their website do that - you can even type in a number which is not your number (Ie a fake no). Write to the Head Office explaining you want your work no removed from your account and that they should never call you again at your work. Ask them in future to put everything in writing and not to phone you at all. If you put this in writing and send it recorded delivery then you have proof and it's legally binding.

    If you are behind with your payments you could write to them and say that you are having financial difficulties at the present time and let them know what payments you can make each month - even if it's half or a third of what you normally pay. Give them a time period when you expect you will catch up. Be realistic with this for example if you owen £100 and you can only pay £10 a month tell them this saying you will pay an extra £10 a month for 10 months until you are up to date with your payments. They would rather you pay something than nothing.

    If you are having real difficulty making any payments you can contact your local citizens advice office or a free debt management scheme to get you onto smaller payments which you can afford. They take into account all your income and they give you a good allowance for having a life. But they stop you getting credit. Make sure if you do this it is a "free" scheme and not one where they take a payment monthly from you. You should be able to find out from your local council if there is one in place. Remember it's a "debt management scheme" - you don't go bankrupt and no-one can take your home from you - you get someone to sort out a plan for you and you make payments through a legitimate company who don't charge you anything. A lot of people don't know these companies exist and go into one of the ones that used to/or maybe still do get advertised on the TV or on the internet by email etc which cost money to you and you never get out of debt. Ignore these ones - go through your council or citizens advice.

    Don't suffer in silence - if you can't pay don't ignore it as that's the worst you can do. I've been there. I was relieved when I got mine all sorted out. I am now no longer stressed and making payments I can afford.

    Good luck and don't let them beat you. If you have any further questions just ask.

    8-)

    Can you help me, I have been getting calls to work on a daily basis and I only work 3 days a week, when I come in after my days off there is often a pile of messages say " Personal call from Joanne please call her back " and the 0845 number, this is bad enough but yesterday I was away from my desk training and my colleague got a call from HFC Bank and the girl on the phone asked for me, when my colleague said I was away from my desk she quizzed him over my working hours, then she said its funny i am always away from my desk and could he put her through to my direct manager !!! At this my colleague, thinking it was a complaint for me to deal with came and got me, I told the girl who i was and she said I knew you were at your desk, when I asked her why she wanted to speak to my manager- she said to get them to get me to phone them back !! is this legal?? I was hugely embarressed and found this extremely vindictive and I want to know how to complain to HFC Bank - they confirmed to me the call was recorded. I missed last months payment on my loan and the next payment is due - I fully intend to pay the arrears but I would have had some deep explaining to do if my manager had got the call!!
  3. Has anyone noticed on their egg accounts how many clerical errors there are ? I have checked my egg statements for the last year and they all have errors on them - higher interest, etc which when carried forward make clerical errors. I have noticed an error of nearly £100 on my account for the year. I have written to Egg asking them to send me statements so I can get a qualified accountant to check them. They can't count!

     

    It may be that you have this on your account and haven't noticed - check carefully - it may be their incorrect arithmetic has caused you to go over and be charged as a result of.

     

    J:mad:

  4. WELL DONE

     

    I won too - they paid direct into my bank account - no letter ! Really rude and unprofessional but heh that means there are no conditions.

     

    I would have turned up at court if I hadn't checked my bank account. So advice to everyone - check your accounts daily if you are due to go to court.

     

    J:cool:

  5. Hi

     

    If they have actually paid the money into your account I don't think they can take it back. I doubt very much that they will. They know they will have to pay it all back in the end and they are just chancing their luck that you will settle for that amount. So claim for the rest with the 8% on that part only.

     

    If they take the money back - (the won't) then you can write to the court afterwards and tell them.

     

    Or alternatively transfer the money into another bank account. If they try to take it back it won't be there for them to take back ! They have to get your authorisation to take money from your account and you won't give it to them. I think this is correct - take advice from citizens advice if need be but I don't think they will or can take the money back once it is in your account and it shows bad business for them if they do.

    Especially as it is YOUR MONEY and not theirs.

     

    Try not to panic or worry about it - it's new year enjoy yourself and sit back and relax and think about the money that's going to come in in 2007. I know it's not easy as my stomach has been in knots whilst claiming - it's very stressful. I am so relieved it's all over for me now. I just need to make sure I don't go into debt again so that I don't face other charges.

     

    Have a great New Year and keep us all posted. Not long now !

     

    J ;)

  6. Hi

    When I claimed against Capital One they paid part back which I accepted but I did it as such "thank you for your part offer, regretably this is unacceptable and I await full reimbursement". They shouldn't deduct the money back of your account but as the other person says don't spend it just in case. Have they given you a run down of what they are crediting back to your account ? Ie does it tell you exactly which charges they are reimbursing you for?

     

    If not my advice would be to deduct the amount they have given you back and charge them interest on the earliest charges that means you get more interest back. The banks and credit cards do this when charging interest to us. For example when we take cash out of a credit card, pay a bill by a credit card and transfer funds the interest rates for all are different. If you pay back the next month the full amount of cash you took out they don't charge you less - they charge interest for the cash even though you have effectively paid it back. Hope you understand that!

     

    The spreadsheet will calculate the interest for you.

     

    I've won the whole amount back and it was due in court on the 4th January - they just settled on the 28th.

     

    Keep smiling - you will win.

     

    J;)

  7. Hi

     

    It was for £1,275.00 - got the lot and it's gone towards a new car - my last car was on it's last legs had done 170000 miles and was leaking water through the sun roof so had to get a newer one. So all the charges I have claimed back from all the banks amount to about £3.5k which has paid for my car. Plus £50 donation to this site going in sometime in the next couple of days.

     

    Good luck to everyone. If anyone needs any advice/motivation get in touch - I will keep registered to this site and help out in any way I can. I will even register as a buddy if anyone gets to court !

     

    Cheers

    J;)

  8. Hi

     

    I can't remember how long it has taken - must be about 4 months now ! I didn't have the money to pay for the court fee and as I was claiming from about 6 different places I took longer than others to claim. From date of taking to court it may be 2 months. It was due in court on the 4th and the money was credited to my account yesterday.

     

    So for those due in court on the 8th check your bank accounts and hopefully the money will be in before then. They left it to the last minute for me. I need to fax a letter to the court tomorrow so they get it Tuesday when they reopen to cancel before the court date of Thursday. So I would guess if they pay you back then it will be by Wednesday next week. That would give you Thursday to cancel the court case!

     

    That's assuming they will pay you back - I don't know of any case going to court with Lloyds TSB. Check your account daily.

     

    Good luck and keep motivated.

     

    J;)

  9. WON unconditionally.

     

    Was due to go to court on 4th January. Checked my bank account today and they have refunded. I need to check that they have refunded full amount but it looks like it. Keep up the good work everyone.

     

    I have won all my cases - will be donating £50 to this site shortly.

     

    J:D :D:):D

  10. Bonus Pots !!!!!! How many people get bonus pots - it's taking money from those who don't have it - don't be sucked in by that.

     

    Bonus should be for hard work - not for taking money from the vulnerable to line the pockets of the rich !

     

    J

  11. Hi

     

    I dealt with their solicitor in the end and I emailed her to say that "my brother-in-law is an ex bank manager and was somewhat surprised that the RBS were willing to go to court for £20.11. I was writing to her on his advice to see if the matter could be resolved before getting to court and it was only on his advice that I was doing so". I also said that I have a friend who writes for a paper and he would only be too happy to take a story but it wasn't my intention to do so. I also told them thought that I would not sign any agreement saying I would stay quiet. They settled !

     

    Someone told me that their main concern seems to be that we go to the papers. If you promise not to or threaten that you will they seem to pay up. This is just what I was told and it is what I did and it worked - it may work for you. But the main thing is don't panic - they are getting to court for most of their cases but they seem to be paying up.

     

    joan;-)

  12. Hi

     

    I won ! They basically settled the day before however it went to court and the person from the bank spoke on my behalf saying they'd agreed to settle. They were given two weeks to pay which they did and the case is now closed.

     

    Won so far

     

    RBS - paid in full with interest

    Capital One - paid in full with interest

    Halifax - paid in full with interest

    MBNA - paid in full with before going to court

     

    Waiting for

    Monument - taking to court - filed forms this morning

    Lloyds TSB - taking to court - filed forms this morning

    Egg - they offered part back - I declined - going to court - they have until Tue lunch time to pay up full amount or papers will be filed tomorrow.

  13. Just writing back to Egg to ask them to put the money in my account they have offered which includes the court fee but I also said to them that I do not accept this as full and final payment and I will take the matter to court for the rest and they must refund me in full by Tuesday 24th at 12 noon at the latest or it goes to court.

     

    In their offer letter they offered to keep my account open if I agree ! Well I told them I couldn't care one way or the other - I don't need it and have plenty credit elsewhere.

     

    Their stance is that "they won on a case which went to court" well I said that they only won because the claimant didn't turn up and that I have so far won with all my claims so far - true except for Lloyds TSB and Monument which I have just sent the form for Monument to the court - LTSB next.

     

    Egg think they are a cut above the rest. I reiterated to them that the charges are penalty charges which are unenforceable and that they cannot prove it costs that much to get back costs.

     

    Let's all BOIL them in court!

     

    Anyone else getting to court with them ? Has anyone won with them yet?

     

    Joan

  14. Hi

     

    Does anyone have the Peter McNamara recording that I can get a copy of for court please. Would appreciate help as I'm preparing the document for court and need to post it today so would like to put on it I will be in possession of this tape/recording.

     

    Thanks

     

    Joan

  15. Hi

     

    I have a friend who worked for a bank (not as a banker but in computing) - he told me that he believes the banks are intending paying back the money if you claim because they don't want to go to court - they just wait until the latest time possible to give us back "OUR" money so that they can gain as much interest as possible! I wonder are they making more than 8% annually on "OUR" money !

     

    So if they take you to court the chances are at the last minute they will give us "OUR" money back. Or just before going to court before they incur other costs.

     

    It is the same as them keeping "OUR" cheques in the bank for 3 days to clear because they gain the interest! That's part of my argument if they do go to court - how can banks keep cheques for 3 days and then Lloyds TSB decide to change their rulings and clear cheques straight away ! If this WAS possible in the past then the banks are responsible for a lot of cheques not clearing in time for payments to credit card companies. They sit with "OUR" money earning interest and we get charged for LATE payments because of their greed. Then when Lloyds TSB decide to change it if we think we have 3 days grace to ensure we have cash in the bank they bounce a cheque because they are now clearing immediately ! They win all ways in this case. They are a PROFIT making scheme - sheer greed to exploit the less fortunate.

     

    So keep smiling and keep pressing for "OUR" money back.

     

    J:cool:

  16. Of course what I also meant to say that the part offer was also saying they would keep the account open ! So they're obviously threatening to close if I go for the whole lot. To be honest I'm not bothered if they close it as I hardly owe them anything now and have other credit.

     

    J

  17. Hi everyone

     

    Has anyone had a defence filed against Egg then they offer part back ?

     

    Well I have - received notification on line that Egg are defending just on Thursday. Then got home yesterday to letter from them offering part back £4 on every £20 claim ! Well they obviously know they are beaten.

     

    Going to ask them to credit with the amount they offer and that I'm going to court for rest. They are agreeing with OFT but they seem to think the maximum is £16. Well my argument is that is OFT's maximum but they still have to prove that it actually costs that price.

     

    I'm gobsmacked that they actually offered anything back.

     

    Won so far

     

    RBS - got to court - won full amount

    Capital One - paid up before court

    MBNA - paid up before court

    Halifax - paid up before court

     

    Still to win - POSITIVITY is the key

    Monument

    Lloyds TSB - both going to court - just received letters and have to send £100 off for each case.

     

    J

  18. Hi

     

    I claimed back 6 years in Scotland and England.

     

    Does RBS have a branch in England? If so you should be able to claim through that system.

     

    I think realistically you could claim back more than 6 years if you have the statements - it's only that the banks only keep records for that length of time so if you are asking them for the statements that's all they will give you.

     

    Plus there is something about the sale of goods act and it changed in 1986 I think so anything before that wouldn't be successful I think because of the different policies.

     

    J

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