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About avocados

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  1. Who can I report this text message to? Received this (word for word with the mistakes in the message at the end) We failed to contact you on residential numbers provided. We have no alternative but to call you on work numbers provided to,call 02080451382 to discuss No way do I want them to contact my work number and I think this message is designed to be intimidating :mad2:
  2. They will probably reject your complaint hoping that you will back down. They did this to me after I complained about similar circumstances (they told me I had to have the Gold account to get a loan!) I complained to the ombudsman a few months back and last week I received a letter from the ombudsman asking if I would like to accept NatWest offer of full refund with 8% interest. I have accepted and it will clear an old defaulted overdraft with them plus a little bit of pocket money for me. I should receive within the next 3 or 4 weeks
  3. Ok update. The name change was accepted by the court unchallenged by the defending company I served the amended papers on them and they ignored again. So I have now been able to request Judgement and I have received an email confirmation that it has been awarded. Where to next? Do I have to give the defendant reasonable time to pay the CCJ or am I able to push to enforce the debt straight away?
  4. Anyway. Mini rant over, sorry but his/her post made me angry. I have decided to go to the Ombudsman first as I can't afford to go to court. Letter has been sent Thankyou
  5. I was not going to bite but from posts here and previous ones you have made you appear to be a bank sympathiser I came on here for advice to attempt to increase my chances of success Sorry but they only had ££££££ in mind with the decision they made They have taken decisions to maximise their profits by charging the most charges possible instead of taking decisions which would have hurt me the least It is obvious from my post that my income and outgoings are so tight. Do you honestly think that I am in a position to save? Not everybody has
  6. I have had a reply from co op. "unfortunately I have nothing further to add with regards to the charges applied to your account as my position has not changed. The charges were applied correctly and in line with the terms and conditions of your account, therefore they will not be refunded." They say may next stage of escalation is the FOS. What should I do? FOS or take them to court? I am thinking court as it will be quicker and I don't see how they can defend what they have done if BCOBS are regarded as legislation. With Rule 5.1.2 G In determining the order in which
  7. That did not copy and paste very well but I hope someone can understand it and give me any suggestions or point out any errors. Thanks
  8. LETTER BEFORE ACTION Dear Sir/Madam Account Number: ##### Your Reference: ##### I am in receipt of your letter dated## February 2014 and I am very disappointed to read that you havedecided to ignore the circumstances that I had set out in my letter. You are in breach of your obligationsto Treat Customers Fairly as required under the Banking Conduct Of Business(BCOBS) regulations 2009 which have been introduced by the FSA under theFinancial Service and Markets Act 2000. Your letter states “As there wereinsufficient funds to cover four items due to be paid on ####
  9. I have been reading through the rules and drafting a letter and I found this Rule 5.1.2 G In determining the order in which to process payment instructions in relation to the retail banking service a firm must have regard to its obligation to treat banking customers fairly. The largest standing order due forpayment was for £630. They could have refused to pay this standing order (or oneof the other larger items) and then charge me one £15 charge for one unpaid item.Instead they chose to reject the four smallest standing orders of £5,£10, £10 and £10 and charge me £15 four times
  10. Hi I am wondering if I can take on Co-op using BCOBs for some charges they hit me with. I have wrote to them asking for the money back but I did not really quote any legislation, it was more a plea asking for help due to me struggling with finances. Co-op refused as from my experience bank employees are trained to have no compassion and to solely focus on profits. I bet they have not even read my letter properly and have just sent me a standard rejection letter. There are 6x £15 =£90. Here are what the charges are for... In December I was not paid enough to cover all my
  11. I did receive a response from them saying that they reject my complaint. But I am sure it was weird saying write back to us if you don't agree with the decision? I received this about a month ago but I have not had chance to get back to it, but I think I should reply with a Letter before action and see what they say to that. I'll post up the exact wording shortly when I find it.
  12. On the N244 form there is two questions which I am not 100% about 3. What order are you asking the court to make and why? ...I know to put I would like to amend the defendants name from: xxxx. To: xxxxx Limited. but why? Would " xxxx is not the full name of the defendant. The full name of the defendant is xxxx limited" be ok And.. 10.What information will you be relying on, in support of your application? the attached witness statement the statement of case the evidence set out in the box below ...Should I tick evidence below? Then Is this ok... I was employed by a xxx
  13. Had a little longer to think on it. I am going for the name change. Can't see it be allowed to be thrown out of court for that. Surely any judge with an ounce of common sense would see that I am just an average member of the public with zero legal knowledge and mistakes like this happen. For £40 I would prefer to guarantee to be able to enforce the CCJ. No reason for not paying me. All that I have had is you will be paid next week, then sorry you will be paid the week after then more lies and delaying tactics. There is zero chance that they have any defence with the amount of evidence I
  14. So I should request judgement now? The stage I am at is claim issued. their time to acknowledge service is up and I can request judgement There time has passed to reply. My only concern was that they did not reply because I had not put limited after the company name so they knew I had messes up?
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