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stevep

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About stevep

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  1. 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
  2. In the late 1990s (1997ish) we moved house as part of a relocation deal and the timing happened to be that our mortgage application was handled by a broker whilst we were on holiday. We had signed for a 95% mortgage and went on our way. Whilst away we received a message that there was a problem with our application and so we called in. We were told that the valuer from the mortgage company had considered the property over-valued and so declined the mortgage. As a result, the broker had arranged a 'work around' and had gotten us a cashback mortgage which would incur a sligh
  3. The basis of most mis-selling complaints is that we were told what they wanted us to hear verbally, got us to sign agreements and we were not made fully aware of the details at the point of sale. By buying into an account online you are not being mid-sold something unless you can prove some advertising/person at the bank mis-led you into thinking travel insurance was included.
  4. Thanks The refund of fees is obviously different to the spreadsheet due to them refunding the difference between gold and classic rather than full Gold as I have used some benefits (and therefore demonstrated awareness of the benefits). The other refund is way out (25% of what I calculated), but they haven't put in the letter how they arrived at this figure. The only clue I had was in the telephone conversation where she said they went back and refunded OD usage and unauthorised borrowing where these events were directly attributable to the fees being taken. I've had more of a
  5. You mean the link to the thread you didn't get round to posting (see above) ? I'm not having a go, most/all of your previous replies have been helpful. Tbh I just couldn't find a specific post in the haystack of useful information on this site and was discussing another matter with the bank when the topic came up. I opened my account pre-1997. I only have evidence going back to 2000 and the bank only to 2001. We AGREED to the refund of the difference in the absence of any hard evidence either way regarding 'mis-selling 'and my subsequent use of a num
  6. So far, so good. I phoned Lloyds and enquired about my packaged account. They didn't agree on all points, but to be fair, they were helpful and whilst they didn't refund all packaged account charges, they did compromise in the absence of any proof either way and refund the difference between what I had paid and what I would have paid for the lowest package for the 'benefits' I had used since I became aware of them in 2009 and originally asked for my account to be downgraded (request declined). I then asked for that lower amount to be applied to my account at the ti
  7. Thanks. I'll kick the process off and see where it leads.
  8. I was asking to change to the cheapest account I believed they had available at the time - they declined my request due to poor history.
  9. Really from day 1? Wouldn't the 6 year limit be in play? Had a read through that post and Salthouse the process looks quite lengthy, it's definitely helpful. Thank you.
  10. It's bothered me for some time that I pay for a packaged account with Lloyds. I've had more than my fair share of financial problems and one of the few plus points on my credit score is that I've had my bank account for a long time. I was investigating "free" accounts and came across a number of sites claiming that packaged accounts may have been mis-sold, hence my visit here. I originally signed up to a Gold account in the late 90s because I had asked for an overdraft increase (£2,000) and was told this was the way to get it. I hadn't realised the full "benefits" o
  11. After a month or so living with family, we got to visit our new house to measure for carpets a week before getting the keys. Having duely taken all available measurements we walked into our local scs store to sort us out. After having a brief 'we normally send an estimator round, but as you've got the measurements, if you're happy to go ahead, so are we...' chat, the guy set to work arranging the jigsaw in his head so that we could keep waste (and cost) to a minimum. So far, so good. We paid - still going well. Then phone calls start. 'we won't be able to fit on the day we agr
  12. Good work! didn't want to dial in case it was a [problem] and a whole redirect thing ended up costing lots more. As it happens, I just went back to the scene of the 'crime' and took a photo of the sign in the area which states that the fine for non-display of a ticket is £50 - so this thing is unenforceable any way. Looking forward to receiving any follow up from the LA
  13. lol, it doesn't say. What I typed into the original message was the entirety of the notice. I do know that the car park is a Local Authority car park, but they do outsource the pay and display and enforcement. I would assume it's the private company, but no way of proving either way
  14. My wife parked in a LA car park and as the 2 machines weren't working and she just needed to "pop into the shop" she did just that and came back to a ticket. Nothing weird about that but... This was more of a home made ticket! Nice bright yellow box with "Penalty Charge Notice" and "Do not ignore" on the front and on the back, all handwritten... Reg £130 fine for further details or to make any other complaints or inquiries Please contact 0800731732 ticket issues under traffic section 69 WARDENID: PC10D75 I know there is nothing illegal about handwriting (or p
  15. Case closed - account brought back within council administration and all additional fees for the last 2 years removed. For future reference, if anyone has any dealings which involve a "Levy", check it carefully against Schedule 7 of the Distress for Rent legislation, and feel free to dispute it through the court (doesn;t cost anything except the time writing a letter) http://www.legislation.gov.uk/uksi/1988/2050/schedule/2/crossheading/7/made Mine was found to be lacking the names of directors/partners, the name of the bailiff, an accurate breakdown of the LO and fees, and desp
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