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Tarby25

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Posts posted by Tarby25

  1. 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

  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 03/07/19.

    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

  4. 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

  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 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 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

  7. 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

  8. 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

  9. 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

  10. 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

  11. 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

  12. hello scarlett

    your not really entitled to claim the interest until you have to take the bank to court

    but in the event you do have to take action you need to get this spreadsheet

    http://www.consumeractiongroup.co.uk/forum/showthread.php?t=182

    input your own info into the appropriate coloumns and the formula will work it out for you

    remember in the date section you need to input the date american style

    i.e month/day/year

    hope this helps

    and keep plugging at them

    the final letter i recived stated that even though they dont agree with these actions it will cost them more to defend in court that whats being claimed.:D

  13. it seems ive made a mistake on my particulars of claim form on the money claim form

    heres what i put

    The claimant claims interestunder section 69 of the county courts act 1984at the rate of 8% a year from 29th september 2003 to 30th march 2006 1656 pounds and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 0.36%

     

    it doesnt say on the form that i need to put an total amount of interest claimed which would be 173.67 pounds

    but when i spoke to customer help desk she said that even though i'd put that i want to claim the interest i wont get it because i didnt put the amount

    she saidthe only way would be to amend the claim which would cost an additional 35 pounds(non returnable) and would have to be bounced backwards and forwards between me the court and the defendant by post before starting the claim again.

    what would your advice be

    many thanks

  14. i know its not original but will this do as a claim particular

    and is there anything that needs changing

    cheers

     

    My action is on the grounds that:-

    I have a contract with the defendant bank

    dated 29th september 2003 and which is

    conducted on their standard terms and

    conditions. I am claiming the return of

    money taken by the defendant in the way of

    charges over the last 2 years and 6 months

    years plus the interest they have levied on

    those charges. The bank's charges are a

    disproportionate penalty and therefore

    unenforceable as they are contrary to common

    law. Further, as a disproportionate penalty

    they are invalid under the Unfair

    (Contracts) Terms Act 1977 s.4 and under the

    Unfair Terms in Consumer Contracts

    Regulations 1999. Para.8 and sch.2(1)(e). In

    the event that the charges are not a penalty

    then they are unreasonable within the

    meaning of the Supply of Goods and Services

    Act 1982 s.15.

    In addition the defendant bank (newbury

    branch) was presented with a hand delivered

    letter stating my wish for the charges to be

    refunded which has been subsequently

    ignored therefore i see this as grounds also

    to make my claim against them.

    The claimant claims interest under section

    69 of the County Courts Act 1984 at the rate

    of 8% a year from 29th september 2003 to

    30th march 2006 of £ 1656 and also interest

    at the same rate up to the date of judgment

    or earlier payment at a daily rate of 0.36%

  15. very big pat on the back to all who set up this site

    my account was credited with 360 pounds last friday

    many thanks to all involved

    and to all who are ummming and ahhhhing about whether to do this

    JUST DO IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  16. recieved 2nd letter today from peter dixon customer relations manager

    starts off by saying

    sorry your unhappy blah blah dissagree with your legal analysis blah blah

    customer provided with terms and condition when opening account

    THEN

    putting the above to one side on this occasion as a gesture of good will i can refund 360 pounds please sign blah blah blah

     

     

    now im not sure what to do next andwould like some ideas i dont want to feel like im bailing out but wht they have offered me is my total charges minus interest which only amounts to 42 pounds anyway.

    but am i right in thinking your only entitled to claim the interest if i take it to small claims.

    to be honest i think its quite a fair offer

    so ideas please

    ta

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