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Drivewasher

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Everything posted by Drivewasher

  1. This topic was closed on 09 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 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 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 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 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
  5. 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
  6. Thanks for the replies. it turns out from my IP's solicitor that under special circumstances they can extend the period to when my aset (equity) has to be seen to be delt with, and my wife's condition is a special case, so they are going to court to extend they are extending the date under some order sec? par? So now I need to know how to reduce my equity further (ie increase my wifes share). or send them packing completley or reduce further due to my wifes condition
  7. Just been to CAB I know more than they do, at least they do try though.
  8. Can anyone offer any good quality help re bankrupcy. An insolvency practitioner is trying to get possesion of our house by 31 march 07 due to new rules. I was b/rupted on 2002 discharged in 2005 (under new rules) now insolvency person wants my mentally ill wife to sign a notice of declartion as to buy me out or they will go for a posession order b4 31 march as that's the law as it stands on timescales. They are even contemplating going straight for a p/o due to the fact she is mentally ill, thuis so they tell me is to show they have delt with it b4 31 march PS all this only started in Sept 06 when they have had since 2002 to do somthing about it, It's obviously because property has shot up beyond what was anticipated
  9. If you took them to court, and won, then you should get the full amount you claimed. If the deductions of £234.36 is thier fees, are these fees the actuall cost to them of your breech of contract? If so then then are addmiting that they charge double there actuall costs. as far as I am aware the banks have never disclosed how much a returned item etc; costs them, even so if say a charge of £30 then £15 is still way over the actuall cost's
  10. 2 accounts mine and Mrs, £50 mine £650 Mrs. Started 1 April with LBA standard reply t&c fees transparent usuall rubish. Then I saw a post frome a user who emailed Chales Bacon and got a result, so on 2nd April sent lba to him, no responce by 7 April so was getting determined. I emailed same email again, but added on that I WAS going to issue small claims costs would be £30 on mine £80 on Mrs + interest as of date of issue approx £78 Totals about £188 EXTRA, and that surely he has a duty to sharehoplders not to waste the proffits, and just pay up now saving them £188 minimum. I got a shock when I looked in our accounts on 20 April as £50 and £650 had been put back in the respective accounts, on 16 April listed as "interest refund" But the same day 16 April £80 more charges where taken, so I am doing it all over, same way by email. I am going to write something like, I accept that you have to recouperate your loss due to my breach of your T&C so in order for us to get on a clear footing for the future, and to avoid me having to email you at every breach, which also cost you money from your proffits for shareholders, can we establish a mutually acceptable charge of your actuall cost to yourselves, of the work to inform me of this. This agreed ACTUALL cost I would have no problem in paying from my account without any intervention on my part. Yours Blahh blahh What do you think , come on then
  11. Why don't your insurers, or thier legal dept; write the letter?
  12. What do you mean???? Those that have been refunded won't be refunded again, and as they won their cases they got their fees back, so they are not out of pocket. It's would be a credit (pardon the pun) to those who have fought and won, when the banks finally cave in and refund all
  13. Sorry guys look at my post I've just done in "General" BBC Watchdog. You will see I entirely agree with you about which See what you think about my idea Maybe a good idea to move the post to here?
  14. Hi all, Just been watching a recording of watchdog. Apparently it only took 500 emails to them to get the programme on estate agents-whisleblower. So I was just wondering we could get a feature /publicity on the prog maybe if as many members as poss emailed in, re their respective banks and them refusing to give back illegal charges despite them being illegall Etc; Etc; A basic template could be laid out and posted in the library, then members who wanted could insert their particular plight and email it in, of course inserting a link to this site so we can get some proper factual info on tv instead of the half hearted which report trying to say only some of the charges are illegal. Just my mind exercising itself, what do you think 11,500 members = a lot of emails
  15. I have been thinking over last week or so, you know the advert for nationwide bloke saying all the fees go to share holders meeting for bubbly etc; Bur seriously if the banks are paying out on the last minuite or when bailifs go in,then do they not have a duty to the shareholders not to waste money? If they are going to pay up anyway, then say a claim for £600 would esculate to +£80 court cost, £100 if plaintife has to fill questionare in (can't remember what it's called) when bank say they will defend +£100 aprox for baliff.That's £860 in payment for a £600 debt. Not good eye candy in a proffit sheet eh! Just think shareholders, how much bubbly would £280 get you
  16. I must confess I am now getting confuesd with all these letters before, and DPA requests, surley if you have got all your statements then you have all the info you need. I assumed the DPA request with which youi need to send a £10 fee to bank, was to get statements and therefore a list of thefts from your account IE penalyt charges!! as some banks where trying to charge £5 a sheet for copy statements, the DPA request was just to get around having to pay bank say £100 for 20 statements. As for manual intervention, if they were manually intervened then this would justify a more expensive charge than an automated computer spew out, which must cost almost nothing, pence even
  17. If you get your statements tomorrow, then you will be able to calculate what they owe you from them, sothere would be no need for DPA request. If this is so then I would send letter before action with your figures inserted into it giving them 14 days, then issue cc if no refund received. You need to send LBA regardless of meeting as you should be seen to have tried all reasonable attemps to solve issues before you go to claims court
  18. Thats what all this is about, the banks are stealing our money. Basically they have got you by the ******** well you know!!! But I bet they didn't bank on us fighting back
  19. Well Done!! I'm well chuffed for you! One point that concerns me though I am not a legal person, is the comment the Judge made re being confused as to why bank where paying you when you owed them, If a Judge can't grasp the situation re legalities in contract law, after all it's been explained to him in your submissions to court, then when a case does actually have to be Judged by a Judge what chance have we got. Especially if we get that Judge
  20. I read somwhere on this forum, I thinh, that the OFT are at the moment looking only into credit card charges, and that they were looking at capping thier charges at £15
  21. Has anyone noticed the head of debt recovery firm, I think this was the baliffs instructed te execute the warrant? When he stuck is pasty feet in actually refered to the money taken from our account's as "penalty charges" Quote from article: Karl Williams, the head of debt recovery at Pannone, a Manchester law firm, said he felt that the bank would try to get the judgment set aside. “I think if the bailiffs get as far as going to the bank then there will be some hasty calls to their solicitors,” he said. “They won’t want this to set a precedent. You would assume a major bank would have watertight terms and conditions allowing them to make penalty charges on their account-holders which may not reflect the level of business through the account
  22. Just found this while trying to find Steve Wright show It's Lioyds TSB, Mr Mullen Redish branch near Stockport Almost £2000 Here' the link http://news.bbc.co.uk/1/hi/england/manchester/4810490.stm I will copy this into LioydsTSB section And finally I'll say it (sorry BankFodder) BUMP!
  23. Bankfodder Wrote: "Also, we would like very much to know which bank and which branch you are dealing with here. You might like to let them know that their behaviour and their repsonses will be posted and discussed on this forum" This post refers to my wife's account Nationwide internet based so letter went to Swindon, got reply refuseing from Dannielle Block, Team Manager, Branch service centre Our joint account I'm deling with personally is Nationwide Wigan, letter sent 1st march, no reply as of today Do you think I should try another letter quoting reference to behaviour/responces being posted here or not, if so how many more days would you give them. Thanks
  24. Just my opinion, Post was dated 18 Feb it's only 10 march today,giving bank 14 clear days after letter before action sent means only starting court around 2nd or 3rd March. Thats why I asked should It go in on start of process IE when bank first approached. This site's getting so big and as more post are put up it's much harder to find post's Iv'e read previously, It's taken me two hours or more just to see if there is a post on my subject before I started a new one, to help the good people of this site out as much as I can. If everyone took so much care that's the reason why as they won't have a case number yet Sorry
  25. Am filing a claim at the moment on 2 Nationwide accounts but one is my wife's sole account, but as she is mentally & physically dissabled won't be able to go to court if req, but we dont't want to let them get away. Can I do it on her behalf if so how or do I just sigh everything PP. She is able to sighn herself but only at home
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