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norvernrob

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Everything posted by norvernrob

  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 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
  3. 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
  4. This topic was closed on 08 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
  5. This topic was closed on 2019-03-08. 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
  6. This topic was closed on 2019-03-08. 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
  7. This topic was closed on 03/08/19. 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
  8. Oh come on now, you conveniently forgot your original post which went something like this: No, I don't mean a redirection. Many customers arrange to have their mail delivered elsewhere, not as a redirection, not payable and without ID. They simply telephone our delivery office. Your post clearly stated a postman leaving mail elsewhere was committing an offence, when in fact there are many situations when it isn't. As for the 'safeplace' product, anyone can ask to have something (anything) left in a safe place without paying for it, they can just phone the office (and do). Off topic or not, you were wrong with your statement so don't try to belittle people when they come up with a reply you don't like. That's the reason I don't bother with these forums any more, self percieved know-it-alls who 'know' only what they can find on Google. If the OP isn't willing to take parcels for his neighbours for free, then just refuse to take them, end of problem. If other people's mail is being delivered to him then speak to the postie or make a complaint and get it resolved.
  9. 1) Rubbish! Anyone can ask Royal Mail to have their mail or parcels etc delivered to another address, left in a bin, a shed, or anywhere they want. I should know, i've been a Postie 11 years. 2) This is correct, just inform your local office that you don;t want any unaddressed items delivering. Anything with an address on still has to be delivered as someone has paid for that service.
  10. I'm not sure what you are talking about here. Recorded no longer exists, it's now called 'signed for', though it's exactly the same service. All recorded mail and all signed for mail needs a signature and always has. I'm a postman btw! Businesses such as Amazon have parcels which don't require a signature but are scanned into the delivery offices, this isn't available over the counter though. FWIW I wouldn't worry when a signed for doesn't show on the track and trace - they often don't as they aren't always scanned into the system to confirm delivery - they're way down on the list of importance. What people could do if they wanted to - is to claim compensation for every signed for that isn't confirmed as being delivered, after all if there's no conformation there's no proof it's been delivered.
  11. Although this exact story is untrue, there are companies that send out cards that look like the ones Royal Mail leave when they try to deliver a parcel. They do say 'there's a parcel waiting for you' and there is a telephone number to ring. Reading the small print the number costs £1.50 per minute and calls last 6 minutes. The 'parcel' is actually something of low value like a cheap MP3 player worth about £3, and you also have to pay a delivery cost to get it, so it does end up costing around £15. This isn't a myth, as i'm a postman and have delivered many of these cards in the last few years. Some of them look so like the cards we leave i'm amazed Royal Mail has let them be delivered. There's a similar one as well which comes in an envelope and tells you you've definitely won a prize from the list....again it's a low value piece of tat you pay around £15 for. I've actually had one of these sent to me (just in case anyone thought I'd been opening the mail!) It's a favourite trick of DCA's as well, sending out a card that says they've tried to deliver something, with a phone number to ring them back. You ring them back, they'll ask you to confirm your name and address, and bingo they've got you.
  12. Thanks for the superb reply, I thought there must be something to stop this kind of thing or everyone would simply do it. I'll get in touch with my parents, i'm sure they'll be pleased to hear he isn't going to get away with it. Thanks again. Rob
  13. Hi all My parents have filed a claim against a relative that owes them money for a car they sold. The problem is this guy moves between his parents house (where the court papers are going) and his girlfriends, which they haven't got an address for. My parents have heard 2nd hand that the father is just going to bin the court papers, and when bailiffs turn up just tell them his son doesn't live there any more. Should this situation arise, is there anything my parents would be able to do? We may be able to get the girlfriends address, but i'm 99% certain she will just say the same - that he isn't living there (he isn't registered as living there as we know she claims single persons benefits) Any advice would be much appreciated, as my parents cannot afford to lose over £800!
  14. You're right of course. My sister telephoned me when the clerk told her the claim would be stayed, I told her to enquire why, as the OFT case has no relevance to credit card claims. The clerk went away to ask and came back with the answer that the judge is staying all claims regardless. The probable answer is that the courts have never seen so many cases since the whole bank charges thing exploded, we've been a major pain in the *rse and a blanket stay is a simple way to avoid it all.
  15. My sister has been to Chesterfield Court today to lodge a Credit card claim, and was told the judge there is putting a blanket stay on all claims. She asked the clerk to check that the stay also applied to CC claims, the clerk went away and came back saying yes.
  16. Sorry to be pedantic, but it's 'lose' not 'loose'. It always bugs me!
  17. After my money still not being returned to the account today, I telephoned customer services again to be told it would be back in the account tomorrow! AND that the bank should have given me some cash on saturday! So I've written a letter to them today, here it is: I am writing in complete disgust at the way in which I have recently been treated by your bank. On the 05/07/2007 I made a card payment for £637.27. This was duplicated (an error on your part) and instead of having nearly £500 in my account I was left nearly £160 overdrawn (I do not have an overdraft facility, this account is used purely to pay bills from). I found out about this when my girlfriend telephoned me from Chesterfield where she was attending a hair appointment, to tell me she was unable to get any cash from the account. I checked the account online, saw the duplicate transaction and telephoned your customer services to enquire about the problem. I was told by them that it was an error that had happened a lot and if I made my way to a branch I would be able to take out some cash as they would be aware of the problem with the duplicate transactions. I travelled the 12 miles to Chesterfield and visited the branch at 5 Market Place, so I could get some cash to my girlfriend and for the weekend. I firstly went to the counter, to be told that I would need to go to the customer services desk. This I did, and after speaking to the manager the customer service advisor told me I would not be able to take out any cash. They were fully aware that the problem was a bank error. I asked to speak to the manager, who came and saw me. She said she was sorry but she could not authorise giving me any cash. Despite my arguments that I wanted some of my money she would not listen and kept refusing. It is now 7pm Monday 09/07/2007 and I am still not able to get any of MY money from my account due to your ‘error’. I had to go to the hair salon on Saturday after I had visited the branch and completely embarrass myself and my girlfriend by explaining to the staff who were waiting to start my girlfriends hair that we did not have any money. We had to cancel a meal we had arranged with my parents Saturday night and a day trip to the coast we had planned for Sunday. Today I have had to borrow money just to get to work. To make matters worse this has all been brought about by the fact that the direct debits for my mortgage and bills were all returned by yourselves on Monday 02/07/2007, despite us making the transfer from my girlfriends account Friday evening 29/07/2007. Upon enquiring about this I was told that a transfer has to be in the account by 3.30pm for direct debits that are due to be taken the next day. This is complete rubbish, as we make transfers at all times and all go instantly from one account to the other. We also transferred 1p from my girlfriends account to my account this Saturday night, 07/07/2007 and it went straight into the account. In fact every transfer we have done has done this, so why did a transfer we made on a Friday not enter the account until Monday, which just happened to be the day all our bills were due? My transactions page clearly shows a transfer of £914 entering the account on Monday 02/07/2007, after which all the direct debits were refused. Is it not the case that when the direct debits are scheduled to be taken from an account, no transfers are put through after the close of business the day before purely to make sure the customer incurs charges on the account? If this is not the case then could you please provide me with an explanation as to how this transfer was delayed when we can make instant transfers any other time, even over a weekend. And to add insult to injury, after not being able to get any money today (yet again), I telephoned customer services (yet again), and was told the bank should have given me some cash on Saturday. In the last week your bank has charged me £114 that I should not have been charged, taken all my money for a whole weekend and not given me access to it, caused me to miss a meal with my parents, a day out, and my girlfriend a hair appointment, for which she now has to wait 2 weeks before she can get another appointment, as well as the inconvenience of attending the salon again and wasting another saturday. Would you like recieve ‘service’ like this from any company? I am absolutely shocked at the way I have been treated. I fully expect you to recompense me for the costs of petrol, telephone calls, missed appointments and activities, and sheer distress this has caused me and my partner. Should the matter not be resolved to my satisfaction, or should I not receive a reply within 7 days I will lodge a complaint with the financial ombudsman. Yours faithfully Me
  18. Will do, i'm convinced we've been literally 'had over' by Natwest. We'll also be sending a letter about the double payment, I worked out yesterday that I had spent over £10 just on petrol and telephone calls to try and get my money. Seems this has been our week for shocking treatment. We've just been to the cinema and went to the food counter to pay for our drinks. When the server lifted my girlfriends cup to take the 2nd cup it was inside, my girlfriend told her she wanted the 2 cups as just one was too cold on her hands. To which the server replied 'sorry, we cant give out extra cups' and took the cup away! They charge you £11.20 for 2 medium cokes and 2 small nachos and they refuse to give you a paper cup, I was that stunned I just stood there laughing! What the hell has happened to customer service?
  19. They are fully aware that it's their fault and it's a 'shadow' transaction caused by their system. On another note, I transferred 1p today from my girlfriends account to the mortgage account and it went straight through instantly. I also can't remember a time when the transfer hasn't been instant, apart from last week. Why did a transfer I made on a friday afternoon not show until the monday, which just happened to be the day I had all my direct debits coming out? Yet today I can make a transfer and it goes straight in. I'm going to experiment with this and keep transferring these small amounts at different times, because i've got a funny feeling Natwest are blatantly not putting certain transactions through in order to profit from the charges incurred. Paranoid? Moi?
  20. Hi all Note: Please don't move this mods as it isn't about a Natwest claim. The first part of this story is a common one! Last friday (29th) around 5pm we transferred the money for all our bills, mortgage etc from my girlfriends Natwest account to the Natwest account we use to pay the bills from. I never thought anything of it, until I checked the account on wednesday. The bank had bounced our mortgage and all our bills, a total of 7 direct debits for over £900, and charged us £114. A telephone call to customer services proved useless, as apparently we had made the tranfer too late on friday and the money needs to be in by 3.30pm. The fact that we do exactly the same on the last day of every month and my girlfriend doesnt even finish work until 4pm was lost on the totally unhelpful muppet I spoke to. We'd also made a transfer the night before at 9pm and that had gone straight in. My transaction page clearly shows the money going into the account BEFORE they refused all the DD's. After the customer services guy telling me I couldn't claim my charges back as i'd agreed to any further charges applied to my account, I laughed, told him a letter would be in the post and hung up. Anyway, onto the 2nd and best part of the week: As my mortgage payment had been refused I called thursday and made a card payment to pay it. My girlfriend went for her hair done today and took the card, then telephoned me to tell me there was no money in the account. (there should have been £500) I checked the account and the card transaction for over £630 had been taken twice. I telephoned the bank and was told that it was THEIR error - apparently it had happened a lot this week, and the money would be returned to the account at the close of business on monday. Obviously that wasn't good enough, so they told me if I could get to a branch I could withdraw some money. So after driving 10 miles to get some money to my girlfriend I then went to the bank. They couldn't give me any money at the counter, so I went to customer services. They then told me they couldn't authorise any withdrawals - even though they knew it was their error! I demanded to speak to the manager who came out and spoke to me, but I might as well have spoken to a brick wall as they wouldnt give me any of MY money. God i'm furious, I asked for the official complaints address and had to laugh when I got the Borehamwood address, I already know it off by heart due to claiming! I told them I had no money for petrol, no money to go out and no money for the weekend and they didn't give a monkeys. It was literally a case of 'computer says no' As it happens I knew I can borrow some money (and have), but thats not the point. So how's that for treatment from a bank? And is there anything I can do with regard to claiming for the error that has left me penniless and potentially unable to get to work?
  21. Hi I've been a postman over 10 years and to be quite honest Royal Mail don't really give a monkeys about confirming delivery of recorded deliveries. It doesn;t mean they don;t get there though, and I can say with 99.9% certainty that yours was cashed by the person you sent it to. If they say they haven't recieved it don't believe them. You've got the receipt to say you sent it and you know it's been cashed - do you think they would let you off if it was the other way around and you said you hadn't received it?
  22. Thats another thing Advantage seem to do, I forgot to mention it in my post - they never told us either how much they got for the car, nor did they reduce the claim at all! Just keep going, keep being stubborn and challenging their ridiculous figures and show them you will not give in. I can't guarantee they wont go to court but I honestly doubt it. Best of luck.
  23. It's a worthless 'dealer MOT' you've got. When collecting a car always take it for an independent MOT the same day, as many dealers have garages they use that will pass anything as they get so much work from the dealers. They'll only do any work needed if the customer complains within the warranty period (lots wont bother) - and obviously most warranties doesn't include consumables such as tyres, clutch, brake pads, exhaust - but all these must have been fine when the dealer sold it anyway as it passed an MOT right... It's impossible for discs to corrode that badly within 3 months, they last several years. UNLESS the pads were down to the metal and ate the discs away, which doesn't sound like whats happened to you as they would be ground and pitted, not corroded. In any case the MOT should have picked up on low pads and warned you they'd soon need changing. I would threaten to report the garage to the Ministry of Transport as they passed a car that was obviously not fit to pass. You have the proof of the corroded discs and the warning from last year. Go to town on them and dont let up till you get your money back - then report them anyway.
  24. Not 100%, but i'm fairly sure they can't enforce this, and the car just has to be in reasonable condition for it's age. Finance companies tend to add their own terms but I doubt they can enforce it. The last finance we had said the same, yet the car didnt even have service history when we bought it!
  25. Hi, my parents were in a similar situation earlier this year. They wanted to voluntary terminate their agreement and return the car, as the early settlement figure Advantage quoted was ridiculously high. However as they were 3 months in arrears with the payments, Advantage refused, then defaulted them and took back the car (with the full consent of my parents - it had been sat on the drive waiting to go back months anyway) Advantage then issued a court claim for the whole amount left payable on the car - nearly £3600. I wrote a defence out for my parents, detailing how Advantage had sent letters with differing amounts for my parents to Voluntary Terminate. One letter said the shortfall insurance had to be paid, the next said it was optional, etc etc. A couple of days before all the paperwork had to be sent to the court Advantage telephoned my parents and offered to settle for just the arrears and their court costs - a total of £600ish, £3000 less than the court claim. They then agreed payments of £2.50 a week. I havent studied all your sums in detail but it appears it's well worth contesting the claim. You were missold the insurances in the first place by them forcing you into taking them out, read some of the Welcome threads for information on this. They rely on people being scared of a court claim and simply paying up, make it as difficult as possible for them, write a defence out and include all your sums. Extortionate PPi terms are increasingly being contested so this definitely helps your case. So does the fact you made Advantage an offer which they refused. It also seems that Advantage included all the insurances when they sent you an amount to pay in order for you to return the car - this is misleading as you do not have to settle any insurances, you can continue paying monthly as it is a seperate agreement. I doubt it will go as far as court, but make sure you make your defence as detailed as possible and include absolutely anything which may help. Hope that helps Rob
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