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pumpytums last won the day on May 4 2011

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  1. Interesting one here I have a Tandem 0% credit card that's fee based £5.99 per month. I just received the following from Tandem NOTICE OF VARIATION Tandem Membership Effective on 2nd November 2020 we will be changing your Tandem Membership. Your Tandem Cashback Credit Card is closing, and you will need to repay your balance in full by 3rd February 2021. You will no longer pay your £5.99 monthly fee and your Tandem savings account interest rate is being lowered from 1.25% AER1 to 0.50% AER1. Hi xxxxx, We’re writing to let you know that we have made the difficult decision to close our Tandem Cashback Credit Card and change the Tandem Membership service. As a result, your Tandem Membership will change on 2nd November 2020 as follows: Tandem Cashback Credit Card Your card will be blocked for spending. Once your balance has been repaid in full, your account will be closed. You have until 3rd February 2021 to repay your balance in full. The interest rate on your card will increase from 0% APR2 to Representative 6.9% APR2. If you want to opt out of this rate change, please contact us by 2nd November 2020. We encourage you to repay your balance before these changes take effect on 2nd November 2020 unless this conflicts with a pre-existing payment plan you have with us. In case you need help with repaying your balance, please contact us and we can discuss your options. Tandem Account Your savings interest rate will be lowered from 1.25% AER1 to 0.50% AER1. If you would like to close your account, please contact us and we can process this for you. Your final £5.99 monthly fee will be charged on your October 2020 statement. Please continue reading to understand the details of what’s been outlined above. You can also view the full Notice of Variation here. Your Tandem Cashback Credit Card details This email serves as 60-days' Notice of Variation in accordance with clause 14 of your agreement. You can view your amended agreement here. You can continue to use your card as normal until 1st November 2020. From 2nd November 2020, you will no longer be able to spend or obtain cash advances on your card and your account will be closed once your balance has been repaid in full. This notice will not change any pre-existing payment plan you have with us. We encourage you to continue to follow your existing plan when repaying your outstanding balance. If you would like to close your account before 2nd November 2020, you can do so by repaying you balance in full and then contacting us to request the closure. Please note, the interest rate on your Tandem savings account will remain at 1.25% AER1 until 2nd November 2020 even if you close your account early. The interest rate on your card is changing from 0% APR2 to 6.9% APR2 On 2nd November 2020 we are increasing your interest rate to Representative 6.9% APR2 for all remaining balances. This APR2 will appear on your November 2020 statement. If you would like to opt out of this rate change please contact us through in-app chat or on 020 3370 0970 by 2nd November 2020. We encourage you to repay your balance and close your account before this takes effect. If this is something you are able to do, contact us once your balance has been repaid and we will process the closure. Purchase interest rate 6.9% Representative APR2 6.9% Assumed Credit Limit £1,200 Annual Fee £0.00 If you choose to opt out of this increase, you will keep your 0% APR2 but you must repay your balance by 3rd February 2021. On that day we will reassess your remaining balance and may consider reintroducing an APR2 that could cost you more. If you are concerned about the amount of time you have to repay your balance, please contact us so we can talk through your options. Alternatively, you could consider transferring your Cashback Credit Card account balance to another external lender. Some lenders offer low balance transfer rates, but you’d have to find what fits for your circumstances. In the coming weeks we will share more information with you on these options. Your Tandem Account interest rate is reducing from 1.25% AER1 to 0.50% AER1 You will keep your current 1.25% AER1 interest rate until 1st November 2020. On 2nd November 2020 your interest rate will be lowered to 0.50% AER1, which is our current instant access savings account interest rate. This also applies to customers who were on a promotional rate prior to signing up to Tandem Membership3. Current Rate New Rate as of 2nd Nov 2020 1.25% AER1 / 1.24% gross (variable) 0.5% AER1 / 0.5% gross (variable) If you would like to close your Tandem Account, please give us a call on 020 3370 0970 and we will process this for you. Thank you for your support We would like to thank you for being a valued member of our community by choosing the Cashback Credit Card and joining the Tandem Membership when it launched back in March. One thing about being a start-up is that we can learn quickly, and we aren’t afraid to see when a change needs to be made. We didn’t take this decision lightly, though. We tried hard to make our credit cards work for you and us but we didn't succeed. We will be updating our website next week with more information on this. As a loyal member of our community from the start, we want to thank you for your support and we hope our new savings services will bring you value. Are you in need of some support? If any of the following applies to you, please give us a call on 020 3370 0970 or send them a chat in-app and we will be happy to assist you. You are experiencing financial difficulty or feel you need some support due to the repayment timeline outlined in this Notice of Variation; or You are having trouble understanding this Notice of Variation or require this notice in a different format Tandem HELP AND SUPPORT We're here to help. Our customer support team is available 8am - 6pm, 7 days a week. [email protected] 020 3370 0970 Frequently Asked Questions 1 AER stands for Annual Equivalent Rate and explains what the interest rate would be if interest was paid and compounded once a year. Gross is the interest rate before tax is deducted. 2 APR is the Annual Percentage Rate and is the rate of the total charge for credit, expressed as an annual percentage of the total amount of credit. 3 If you were on the Tandem Account bonus rate of 1.00% AER prior to joining the Tandem Membership, please be advised that this rate expires on 1st October 2020 as set out in the promotion terms. All accounts with that interest rate will be reduced to 0.50% AER on 31st October 2020. Tandem Bank Limited is a company registered in England and Wales (company registration number 00955491) with its registered office address at 40 Bernard Street, London, WC1N 1LE. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204479. © 2020 Tandem Bank Now this goes against their previous promise Hi xxxxx, We’ve got big news! Today we’re proud to introduce the Tandem Membership – an exclusive plan available to existing Tandem Cashback Credit Card customers. This membership unlocks a suite of exciting new benefits. Ready to hear more? Before we get to the exciting bit, it’s important to know that there will be changes to your existing Tandem Cashback Credit Card. Keep reading to understand what this means for you. Tandem Membership 0% Interest Charges: We’ll drop the standard interest rate on your card to 0% for all purchases and cash withdrawals.* This means no interest charges on your balance – ever Market-Leading Savings Rate: Accelerate your savings with a 1.50% AER on a Tandem Account. Apply for one now in-app Free Spending Abroad: You asked; we listened. No more interest on cash withdrawals abroad. Plus, continue to enjoy your holiday spending without fees Worldwide Cashback: Did we mention you'll continue to earn 0.5% cashback on all purchases over £1 worldwide? Keep saving every time you spend Representative Example: The APR takes into account the membership fee as a cost of credit. Your actual purchase and cash interest rates will be 0%. For a monthly fee of £5.99, you’ll gain access to all these benefits. If you choose to become a member, your existing credit agreement will change starting on 9th March 2020. To view the new credit agreement, click here. Become a Member If you choose not to become a member, you can use your card as normal until 9th March 2020. After this date, you will no longer be able to use your card and your credit agreement will end when your balance is repaid in full.** For more information and to review the membership documents, check out our FAQs. Tandem *For cash withdrawals in the UK, a fee of 2.50% (minimum £2.50) applies. **Your agreement will end when you repay all outstanding amounts, any interest and any fees. If you would like to speak to an agent, contact us on 0203 370 0970 and press 2 and we’ll walk you through your options. Alternatively, you can contact us in-app. Tandem Bank Limited is a company registered in England and Wales (company registration number 00955491) with its registered office address at 40 Bernard Street, London, WC1N 1LE. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204479. © 2020 Notice the ever bit.
  2. Hi everyone, well there time is nearly up no letter received from them nothing. I find that quiet insulting. So the MCOL claim will be issued when their 30 days are up. this will be the text on the form short and sweet 1. The Defendant National Car Parks LIMITED breached the Data Protection Act 2018, due to the unlawful/unwarranted processing of the Claimants personal data between the dates A and B. 2. The Defendant's unlawful/unwarranted processing of the Claimants personal data caused the Claimant distress/damages. 3. The Claimant claims compensation for contravention of the GDPR 2018 under GDPR Article 82 and/or Section 168 Compensation for contravention of the GDPR. 4. The Claimant claims For Damages and or distress £500. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from x to y on £500.00 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £1.47. So that's it basically obviously the witness statement will flesh it out. Its all ready to fire off Section 168 https://www.legislation.gov.uk/ukpga/2018/12/part/6/crossheading/remedies-in-the-court/enacted?view=plain Article 82 https://www.gdpr-expert.com/article.html?mid=6&id=82#textesofficiels
  3. Happy New Year everyone, Thanks FTMDave I changed the letter to 28 days As expected no response from my original letter send in December. Letter before Court Claim sent to NCP via a signed for method Happy New Year NCP lets see if the reply, I wont hold my breath though. Not trying to jump the gun Claim form will be fairly straight forward in wording 1. The Defendant NCP LIMITED breached the Data Protection Act 2018, due to the unlawful/unwarranted processing of the Claimants personal data between the dates X and Y. 2. The Defendants unlawful/unwarranted processing of the Claimants personal data caused the Claimant distress/damages. 3. The Claimant claims compensation for contravention of the GDPR 2018 under GDPR Article 82 and/or Section 168 Compensation for contravention of the GDPR 4. The Claimant claims (a) Damages and distress £500 (b) interest, pursuant to s. 69 of the County Courts Act 1984, at such rates and for such periods on the sums found due to the Claimant as the Court may think fit.
  4. Hi everyone, just to complete this thread. The rejected washer was collected last week and today I received the refund the reduced the refund by approximately 2% as they are entitled to do 2% isn't bad for 9 months use though. Bit petty maybe but I got it back so all well that ends well. Only thing I would like to add is sometimes in companies you find that person who was brilliant in this case a nice lady called Gemma so if Curry's ever read this employ more people like her. Thanks for everyone's help too and Merry Christmas
  5. Hi Everyone, just preparing my letter before claim for NCP as there time is almost up. Does this sound okay :- LETTER BEFORE COURT CLAIM Dear Sir/Madam, I refer to my letter dated xx received and signed for by yourselves on the yy. I have received no reply or acknowledgement of the above with regards to National Car Parks Limited breach of the GDPR 2018 with regards to the unwarranted retrieval of my personal data from the DVLA and your subsequent processing and use of my personal data between the dates of dd and dd. On the xx my vehicle reg was parked at LOCATION between approximately 10am to 2pm. A ticket was purchased from the NCP Ticket machine and a fee of ££ was paid. On or about DATE NCP sent a Parking Charge Notice to Keeper requesting an amount of £60 or £100. The notice caused myself distress and was a clear breach of GDPR 2018. On the DATE I telephoned NCP questioning the notice, I also spent time searching for the receipt for the above and time completing NCP’s appeal process again this caused distress and damages. On DATE an email received from NCP confirmed that the appeal of the above notice was successful but offered no explanation or apology. As such I sent NCP a letter requesting (received DATE) recompense for distress and damages for the sum of £500, I allowed NCP 14 days to reply. To date NCP have not replied or acknowledged my letter. If I do not receive recompense (£500) within 14 days after receipt of this letter, I will take legal action against National Carparks Limited for their breach of GDPR 2018. I will also be contacting the ICO and the DVLA. I refer you to the Practice Direction (Pre-Action Protocols) in particular paragraph 15 and the sanctions for non compliance. You can find these on the Ministry of Justice website at: http://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct Any Court proceedings will include a claim for interest from the due date (DATE), Court fees and legal costs. Where appropriate, interest, compensation and further costs under the Late Payment of Commercial Debts (Interest) Act 1998 will be claimed at the courts discretion. I hope any legal action can be avoided and I look forward to your prompt reply. For you records this letter will be sent via a recorded postal method." Thanks in advance
  6. Morning everyone, yes the DVLA should be accountable 100%. Letter sent to NCP. On a side note and this is very interesting my vehicle was parked in the same carpark at the weekend (receipt kept and scanned :P). We were taking to a lady and NCP tried to do her son twice in the same car park via PCN's. So its certainly not an isolated incident at all. I wonder if it would be worth getting in touch with the local paper in the area? Thanks
  7. Thanks Christopher, I really cannot believe Samsung's ineptitude but Trustpilots 87% 1 Star BAD rating really speaks for itself. A important appliance like a Washing machine should be repaired in a reasonable time limit as required that's not 3 weeks. Thanks again for everyone's help
  8. Well it looks like I have a result, someone from Currys called me today and could not be more helpful and they have agreed to collect the washing machine and refund me. I emailed the CEO a few days ago and thought nothing would happen but it has. What a shame they didn't help like this in the first place. The emails I used were [email protected] [email protected] One more thing I would like to add Samsung especially their domestic appliances arm were absolutely useless during the whole process weeks sometimes to get an engineer visit call backs promised and not returned. I would seriously think twice about buying their domestic appliances they are not cheap and as I have said 2 failures on 3 appliances in less than a year. I certainly won't again, you would hope to get better customer care they even use a third party for repairs. So thank you everyone for your help
  9. One more question, If I exercise my final right to reject the goods as 1 repair was attempted and failed should I allow the repairer to return for a 2nd time or just stop them? I have already formally rejected the goods Thanks
  10. Many thanks Lookinforinfo, that certainly settles the matter of the £500, fantastic information Time to go to the post office Special delivery of course Merry Christmas NCP Thanks agian
  11. Thanks Dave, that's very interesting I know what you mean that case was from 2016. I suppose they were trying to get £100 out of me for a potential missed payment of £5. The question I may be asked would be how I came about a figure of £500 a litigant in person could claim £19 per hour so I suppose if it went to small claims I could easily rack up £500 that's only 25 hours with no postage or printing etc. I have defended cases before and won so I know how quickly the hours roll by. I will send the first letter prior to the LBA to show that I have attempted to sort the matter out fairs fair Thanks again for the information
  12. Hi Christopher, thank you very much I will try that this weekend. Thanks again
  13. Just to update this thread, I spoke to the repairing company the initial repair failed and they have said that the machine requires a new main wiring harness and a motor assembly. Best thing is they can't fix it till a week tomorrow. So will have been without a washing machine for nearly 3 weeks. So a 10 month old £550 machine needs a new motherboard, main wiring loom and a motor assembly. I will be phoning Currys at 12 today to confirm I'm rejecting the machine as they have had their chance to fix it and failed. Quite shocking on such an expensive 3x the cost of a normal make. Call did not go well as expected Currys tried to make out the warranty was with Samsung and nothing to do with them seriously. They also stated that Samsung would not write off an item or have it returned without 3 repairs. I actually spoke to the guy at Samsung and Currys had fobbed me off the guy was from their mobile phone section not domestic appliances he thought it was phone. Sadly Samsung could not do anything as usual. I have emailed the CEOS of Currys to see what they can do, does anyone know the email address for the CEOS of Samsung I tried going through their website with no luck. In desperation I took delivery of a washing machine this morning from AO as we cannot cope anymore. Do I have any recourse through small claims? Buyer beware indeed
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