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Rebel UK

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About Rebel UK

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  1. 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
  2. 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
  3. Hi Guys, I think I need some help here. I purchased on eBay a computer for £106.00 including delivery charge (note this) The item arrived faulty, it did not work, it was delivered on the 7th May but I was not around to inspect it until the 16th, it was signed for 'unchecked' I told the seller this and they did not complain about the delay. Immediately I knew the item did not work I emailed (thru eBay respond mail) the seller informing them the item was faulty and requested to return it saying I did not want to open the box and default my warranty. they asked to contact me by phone and on
  4. Welshman Just because the court allows 8% it doesn't mean you cannot claim more, some here have used the fact that banks charge FROM 16.9% on loans etc, and have argued that the banks unlawful charges are similar to an unauthorised loan and have quoted their own interest on the charges and got it. Rebel
  5. Jackie Another point to use, I used in my AQ return, at no point did I give the bank authority to pay in any form or even 'as a gesture of goodwill' ANY DD, standing order, for me, when there were insufficient funds available, and this so called gesture of goodwill was merely another tool by which the bank was able to force my account further into arrears, charging me by way of default charges for this gesture which was not agreed upon nor was any part of their Terms & Conditions. Not much goodwill in that gesture at all. Rebel
  6. Hi Mate, Go to Citizens advice bureau, they will compose a letter for you, get copies, send it to the department you are dealing with AND Argos legal department, you'll need to ask customer services for their address. See how quick the Sh!t hits the fan then Rebel
  7. *****SETTLED IN FULL****** Prior to bank filing defence, received a letter stating BoS will refund me the FULL amount, including costs AND the 8% I listed PRIOR to filing my court claim. I stated that if I had MY money they unlawfully took, I could have invested it myself earning interest and therefore demanded they pay me 8% as I would get if I won in court, which was also half the 16.9% they charged on a loan of a similar amount. They paid up without a fuss, also, they miscalculated by 3pence and both phoned me and wrote to me apologising for the deficit, ensuring my 3p would be refunde
  8. Errrr Isn't Elliot vs Lloyds settled ? Lloyds settled in full I believe ! Rebel
  9. Yup, Referral, overdraft, excess overdraft, overdraft interest (assuming the charges equate to forcing you into excess overdraft or overdraft, hard to calculate but assume them anyway) fees for letters overdraft fees are ALL reclaimable. Only things like the charge for using a certain type of account ie Additions, are not claimable. Rebel
  10. willow, the spreadsheet is pretty straightforward, simply overtype in the cells with your own data, ie, charge type, then amount, then date incurred using the date format already shown the days of offence and interest are worked out for you by the formula already imbedded. If you need more cells than are formatted, simply copy/paste the cells already formatted, below the last used cells and the formula will auto adjust to represent those cells.... if that makes sense lol best Rebel
  11. True, I'd suggest, if you live in England, use the Leeds address. I read in the FAQ section that you couldn't use a PO Box number address when filing a claim at MCOL, so I thought I had to find a full address but the Leeds PO Box address was fine, my claim is in and am awaiting it being deemed served, acknowledged and defended. Then I'll return the AQ and await the outcome Rebel
  12. Others might advise you differently, but I've put in the 8% from the beginning. My reasoning is that the bank has unlawfully removed my money from my account and used it for their own benefit. Had I had my money I might have invested it elsewhere and earnt interest on it, as such, although it isn't a loan on my part, the bank charges 16.9% on a loan of £2500 (quoted to me by their loans department on request) Therefore I am asking for only 8% on money I would normally and legally still be in possession of, had the bank not unlawfully removed it from my account. Also, they have had n
  13. Send them this, then after 7 days (given they have had the two 14 day periods already) file your Claim at MCOL Rebel ********** [Your Address] [bank Address] My Ref: Request for repayment of charges ACCOUNT NUMBER: Sort Code: Date: Your Ref: Dear Sir Thank you for your letter of [date]. I draw your attention to my letter to you, [Ref/Date] As you seem to have disregarded my request for FULL repayment of the unlawful charges you have placed on my account. You continue to quote your Terms & Conditions relating to
  14. Rebel UK

    Giselle

    Thanks Giselle, but I cannot take credit for some of the contents in that letter, I plagiarised it from someone else but cannot find it now to credit him, however, good luck. Rebel
  15. that would be for you to decide, the main concern would be available funds when filing moneyclaim form, anything over £1500 is going to cost you. I staggered my first two claims, am now pursuing the second, when done I will go after the credit card companies knowing I have enough funds available should my claim require it and not have to dent my income/expenditure. Good Luck m'am Rebel
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