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kenturner

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About kenturner

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  1. This topic was closed on 11 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 11 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 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. OK, So i wrote and asked for my money back as I believe they had mis-sold the police to me, received a letter today saying they will look into it but it could take up to 8 weeks. Is this within the guidelines from the FSA and do you think this is a stalling tactic and after the 8 weeks they will say my complaint has not been upheld ? Thanks
  5. Hi, Bought a single premium PPI 2 years ago and the premium was added to our mortgage ( i didn't know i had even bought it until we got the renewal notice from the insurance company !!) The mortage & the PPI was done through a broker and the PPI company is different to the Mortgage lender, do i write to the Broker, the Insurer or the mortgage lender to start the reclaiming process ? Thank you
  6. I know there is another thread on this subject but didn't want to hijack it and this is slightly different so here goes. 1st Credit bought a debt of mine from Lloyds TSB and i'v been paying them ever since at minimal amounts weekly, when i stumbled across this site and succsefully claimed unlawful charges back from my current bank i thought i'd try it with Lloyds TSB (well actually 1st credit as they have bought the debt), so i sent 1st Credit the DPA letter along with £10.00 which they happily cashed, i also requested credit agreement under the CCA which i sent them £1.00 for. After hear
  7. Wonder if anyone can help me with this :- My partner has been given 3 options at work, they are 1) Take Redundancy (amount yet to be decided) 2) Take another job (less pay, less responsibility etc) 3) Apply for a new job (new role) with company which is basically the same as her current job but with a different job title. Option 1 will probably be her choice, option 2 is a non-starter due to less money etc. and option 3 is a possibility but she knows she won't get the job as her boss wants rid of her (she thinks) Now, i know that when somoene is made redundant it is th
  8. Alanfromderby, i beg to differ here, if you do take 3 weeks paid holiday (but have only accrued say 1 week) the employer cannot reclaim the holiday pay from your final wages as this would be seen as an unlawful deduction from wages, the fact that they have paid you for something you are not entitled to is their problem and they have no legal recourse for getting the money back - if they did unlawfully take this from final wages then you would have a case at an industrial tribunal and you would win, but of course ACAS would tell the employer this before it got to a tribunal and advise them to p
  9. Well this is my story, sure there are plenty more, good luck. http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2600&highlight=kenturner
  10. Why they paid me more stumped me too at first, then i looked back at the charges and i had missed one, luckily they didn't !! LOL !!. I have also sent a letter to them today asking them to give me a breakdown of how exactly they can justifiably charge £39.00 for a returned direct debit and if they can't do this i will on their advice write the the financial ombudsman, of course i'm not expecting a reply but they threatened to close my account so i just want to let them know that i won't be walked over. I will let everyone know when (if) i receive a reply from them although i won't ho
  11. If the account was held in England then English law applies !!
  12. Forgot to mention, in their 'offer letter' they have said:- "All future valid charges will stand, and we reserve the right to close your account if you do not manage it correctly.........." etc. I have no doubt that this is perfectly legal but it certainly stinks, however, should any more charges be applied their threats won't stop me from starting the whole process off again. Can anything be done about them closing my account should i sue them again ? Thanks
  13. I went through the procedure as described on the forum, the first letter requesting a refund of charges went to my branch on 3rd March (i didn't request statements as i had them already), with the usual replies of 'very sorry your not happy but tough' i started legal action (see litigation in progress), i was suing for 130.00 inc costs & interest, today i received a letter from them with an offer of a refund of 187.00 in final settlement, which is more than i was claiming so all in all it's been a good day. Good luck everyone in your claims, and whatever they chuck at you stick it out
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