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Everything posted by Sem

  1. not sure i want to name them right now they might stumble upon this thread and know every move i make they are know to register on forums and make posts like has anyone ordered from this site before then reply with a new account saying yes they are great etc when this is over will happily name and shame them
  2. i need to make a claim against a online store they sent me the wrong item and i sent it back over 2 weeks ago and they have received it but they still will not give me a refund and they are now ignoring my calls i think the only way im getting my money back is to file a claim can anyone help me fill out the particulars of claim or find a template for it? thanks
  3. Hello i am about to try and reclaim my miss-sold ppi from beneficial finance and i just need help calculating how much interest i can claim im going to reclaim via the courts i already know i can add the statuary 8% interest but can i also add the interest they charged me for the loan which i think is 19.9% im finding it difficult to calculate because my was a monthly paid premium and the PPI calculator only seems to work for single paid premiums ive already used the spreadsheet from the bank charges section for the monthly payments and i want to add another column for the the loan interests next to the statutory 8% can anyone help? thanks
  4. Hello I need help reclaiming my PPI from Beneficial Finance I took out a loan in 2000 and I believe the PPI was mis-sold to me and I have a good chance of reclaiming because 1) The sales staff did not once mention I was getting PPI as part of the loan package 2) You can’t claim if you work part time (which I do) 3) The option to take out the PPI is electronically ticked on the credit agreement Now I have written to Beneficial twice about this each time asking for them to cancel the PPI and to give me a full refund each time they respond with the same letter saying they are looking into it and will get back to more shortly its now been 7 months since and still no response and I’ve even tried ringing them and sending more letters but had no luck there. I tried the ombudsman route but they keep saying I need to give them more time to respond but it’s been 7+ months so I guess they are no help either my only option is court action now can anyone help me draft a final letter to beneficial to let them know I am planning court action? Thanks
  5. thanks for all the help but its kind of resolved now the manufacturer has agreed to replace the item I'm still annoyed tho and don't want the store to get away with it
  6. it is an intel chip the store provided me with some pictures and the box is in absolute tatters it wasnt like that when i sent it off what are my chances of getting a refund ive tried arguing with them but they wont budge will i need to take some kind of legal action
  7. i bought a CPU from a well know online store and the item was fautly so i got an RMA number and sent it back (it was collected by the stores couriers) now my item went missing for 2 weeks and they first claimed it got delivered to the wrong address after they finally received the items they rejected the returns on the grounds that the CPU had physical damage (they said the heat spreader isn't attached) i tried to explain that it didn't show any physical damage when i sent it back and that the damage could have occurred while the parcel was missing for 2 weeks they then backtracked and said the parcel wasn't missing and it was at the depot during the 2 weeks i don't believe them because as soon after the item was collected i tracked it and it was showing and delivered and signed for and why would that be if its been at the depot the whole time what are my rights in this case
  8. Hello I am about to make a claim vs. Clydesdale Financial Services (£350 worth of letter charges) and I need a little help as its not straight forward. Originally the debt was with Cetelem UK but it was sold on to Clydesdale. As it was originally with cetelem I didn’t sign any credit agreement with Clydesdale Financial Services So this section on the prelim letter will not apply Should I still include that paragraph in the letter or should I replace it with something If I should what would be the best thing to say Also I have calculated that if I reclaim the charges I would have overpaid on my account by around £160 or so Should I include this on the prelim as well or stick it on the schedule of charges Thanks
  9. sorry my mate ended up selling his car and using the money to pay the fine instead of letting the bailiffs sell it i told him best to see what you guys say about the situation but he never bothered
  10. my mate paid £1.50 into his bank account and the clerk must have accidentally put £1500 in cause his bank balance is now showing £1500 extra in credit what are the chances of the bank spotting this mistake should he start spending
  11. i think he has an account here ill get him to post more details
  12. my mate got a parking ticket which has now gone up to £570 and the bailiffs have taken the car and want to money in 7 days or the car will be sold to cover the cost the bailiffs wont take part payment they will only accept the whole amount at once what are his rights if any
  13. i bought some computer equipment from an online store and it appears some accessories are missing. i bought the items on Tuesday and then received them on Wednesday i opened to check if they where the correct items and all seemed ok. Since what i ordered would take a long time to install and i work during the week i waited till Saturday before i attempted to assemble the system that's when i realized that a small but important bracket was missing i checked the packaging and its 100% not there. I then contacted them and they said since 48 hours have passed since i received the item there is nothing they can do I'm sure what there doing is not right what can i do? thanks
  14. Hi filed a claim against Beneficial for the admin fees and it was served on the 18th of Oct and the 14 days for them to respond is up tomorrow and i haven't heard a single thing from them in all the other threads Ive read normaly people would have received a letter from Clare Plummer or someone i served the claim against the registered Beneficial office that appears on my statements Beneficial Finance North Street Winkfield Windsor Berkshire SL4 4TD was that the corret address? thanks
  15. Sem

    Maestro vs Solo

    my mate says maestro is the natwest equivalent to a visa electron and i always thought the next card up from a solo is a switch
  16. Hi i have a natwest student account with a solo card my solo card got damaged so i ordered a new card but instead of receiving another solo i got a maestro service card 100 is this better or worse than my solo I'm currently in the process of reclaiming charges from natwest could this be some sort of retaliation? thanks
  17. id say depends on how much your claiming but according to some of the threads I've read if its under £1000 then NW might settle around the AQ stage (6-7 weeks on average) if its over £2000 it will probably take longer I'm claiming for £2150 and i submitted my claim 7 weeks ago I'm past the AQ stage got an offer for half the amount on the 7th week I'm guessing mine will take 9-10 weeks to complete (i hope )
  18. Sem

    Sem vs Natwest

    received cobbetts copy of the AQ today guessing there's nothing left for me to do anyone know what i should expect now how long (on average) will i need to wait
  19. Sem

    Sem vs Natwest

    i sent them the letter about the CPR18 request located here http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html with a list of charges I'm going to send them another letter today accepting the offer as part payment only
  20. Sem

    Sem vs Natwest

    got a letter from cobbetts today (AQ deadline is tomorrow) and they are offering £1300 out of a £2150 claim
  21. 6 years ago i took out a "revolving account" with HFC/Beneficial Bank i also seem to have signed up for credit protection insurance (i have no memory of this but its on my credit agreement ) anyway this summer i lost my job and i tried to claim on the insurance but they said because i work part time i wont be able to claim now this thing I'm a student and I've ALWAYS worked part time i remember when i first signed up for the loan the guy asked for my payslip and employment details and i would have said its only part time etc but yet he still signed me up for the insurance knowing i wont be able to claim on it anyway what are my chances of getting this PPI refunded I've calculated around £1000 has been taken over the last 6 years should i threaten them with court action like with the charges? are the financial ombudsman likely to help me thanks (ps please help this money will clear 80% of my debt to them so if i can get it back ill pay the rest and finally be rid of them forever)
  22. Sem

    Sem vs Natwest

    i tried to get a judgement but cobbetts filed the defence 2 days after the deadline anyway today i received a copy of cobbetts defence and i'm not sure if i messed up firstly i used the N1 form and the template for that on this forum i filled everything out right and i attached a list of charges with the form but in cobbetts defence they are asking for the claim to be stuck out saying my particulars do not disclose any reasonable grounds for bringing a claim against them and various other things indication i dont have a leg to stand on it also says i haven't give a schedule of charges when i did staple it together with the N1 form have i done something wrong or is this just more scare/delaying tactics i used the template here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-particulars-claim-hard-copy.html thanks
  23. Sem

    Sem vs Natwest

    the 28 days since my claim was issued is up today so far I've only received a letter from the courts and cobbetts saying they have acknowledged my claim intend to defend and nothing since then no AQ or anything what should i do now thanks
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