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GSMGuy

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About GSMGuy

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  1. This topic was closed on 11 March 2019. 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 10 March 2019. 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 10 March 2019. 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
  4. THIS is why I always take a photo of receipts with my phone. As it's set to backup photos to Google Photos, all I need to do is type the word "documents" and hit search - Brings up every receipt I've ever stored. Plus, no problems with losing/changing phones as it's all still there.. Mike
  5. Thanks for that, what I was trying to find out was if they can only charge a "reasonable" fee that reflects the actual work they do, a bit like when we all started our charges claims years back, I recall some wording from the initial letter along the lines of "please provide details of all interactions carried out in relation to returning/authorising payments, and the associated costs" or something like that.. Mike
  6. Hi all, not posted for a while, but got a "bee in my bonnet" with Barclays of late.. It concerns their £30 "referral fee" on our business account.. Basically, money gets paid into our account every day, apart from Sun & Mon, from credit card receipts. Now, strangely, the "debits" got applied before the "credits" meaning the account would momentarily show as overdrawn occasionally, by a few £. I must add that no payments from the account have ever been "returned unpaid" and that we don't use cheques. Doing all of my banking "online" and "paperless" it wasn't until I received the first "end of year summary" last year, that I realised I had been charged not only the £6.50 per month "account fee" but also in the region of £1200 in "referral fees" of £30 each time. I made a complaint to Barclays, and they refunded the fees without protest. They also "admitted" that there was a problem with the mobile app and the way credits were applied after debits, telling me they "are working on it, but do not know when it will be resolved" They also offered me a "fee free £25 buffer" to prevent this from happening. Anyway, long story short, and I've been charged 3 times this month, so my question is - Can they charge more than their actual incurred costs for this "referral fee" I think that £30 is excessive, but do they have to tell me the actual cost? Regards Mike
  7. Ok, so still wrangling with the council on this, they have now, almost 2 years later, sent it to Rossendales.. it's on hold and I've yet again sent them solicitor certified copies of the original tenancy agreement which clearly states that tenants were responsible for council tax.. . Notwithstanding this, I've been reading a couple of similar threads on here, namely THIS ONE and THIS ALSO with interest, now I've noticed member tomtubby has mentioned in both of them, a "VTE Case" which apparently makes short work of these things. I've pm'd said member, but noticed he/she has not been online since Feb, so was wondering if anyone could shed a little light on this? Thanks Mike
  8. Well, They have just revisited, and were extremely threatening to my Wife, who was in the shop today whilst I took the kids to the school Xmas fare.. They said, "If you don't open the door, we'll use a sledgehammer on it!" She rightly, called the Police.. So what did they want? Their fees, namely ; £90 compliance stage fee (letter never received) £275 Attendance fee £121 Sale fee (no goods were seized or sold) Police attended, and even though my own Solicitor spoke to them, they told the Police that they had only received part payment on the last visit, which is a blatant lie, as they have received nothing from me, as I paid the Landlord directly. Long story short, when I got there, I had 2 bailiffs, 4 police officers and a very busy shop, police advice was they thought it was enforceable, and they would only step in if there was a breach of the peace... So I paid by debit card on the spot... My question is, how can they charge a sale fee when nothing was taken/seized or sold? Also, my understanding of CRAR is that it can only be used to recover the rent arrears, and nothing else? This is backed up by this from the HCEO/Sherrif's website.. Mike
  9. Cheers for that - I presume they will be well aware of this themselves? Do I need to worry that they'll just go for a default judgement? Mike
  10. Ok, Reply to CCA received yesterday, from Cabot - They state "We acknowledge your request, but unfortunately do not hold the documentation you require" before going on "We will now request the documents from the original creditor, and respond within 40 days" I thought they had 10 days to respond, plus a little for post? Mike
  11. No letter or "Notice of Enforcement" was received, if it had of been, then I certainly would have been on the phone to the LL when it was. Mike
  12. Oh, didn't explain the "Celebrity" bit lol.. It was this, erm... "Couple" that attended...... And whilst "Mr Stupid Sunglasses" was waiting for me to arrive, he was outside asking the kids and customers coming into the shop "have you seen me on Can't Pay, Won't Pay?" I actually heard him whilst reviewing the CCTV.. Sorry, but how sad a person do you have to be?? Mike
  13. Yup, CRAR came into force this year, so whilst on one hand, I've been "lucky" that the LL accepted payment, I do think that his doing so was partially due to the outstanding maintenance issues... Mike
  14. Cheeky beggar.. The bailiff himself has just called me to ask if the money, including his fees has been paid... I answered that I have dealt directly with the Landlord and do not need or wish to speak to him, before ending the call.... Mike
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