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western promise

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About western promise

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  1. This topic was closed on 03/05/19. 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 their. 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 03/05/19. 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 their. 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. I am claiming £2500 from NatWest and have been offered £1500. I now intend to reject the offer and issue a claim online. I really cannot be fagged to work out the interest item by item on 100-odd charges over 6 years, so is it OK to say:- 1/ the average amount of my money NatWest had over the six years was half of the total £2500 I'm claiming; 2/ the average time they had it for was half of those six years (i.e. they had some of it for 6 years and some of it they've only just taken); 3/ the interest rate they charged was 18% most of the time ...and therefore I now claim 3
  4. Seems like a sweeping generalisation. I am a landlord of 2 properties and I myself rent another one in which to live, and I am exceedingly nice to a fault both as a tenant and as a landlord If you were late paying rent and a landlord did start adding charges, I would challenge them immediately by asking for a breakdown of how they were arrived at. If any of the breakdown included things like 'management time' I would further ask to see the basis on which this time has been costed. Your deposit belongs to you and the presumption is that you get it all back unless the landlord can pr
  5. I imagine you would, but the landlord perhaps has a better chance than a bank does of proving that he has incurred a cost. For example, if you paid him late and he incurred bank charges as a result, it would be cut and dried that he had incurred a cost, namely those charges. I doubt if you'd get anywhere in a small claims court arguing that he should sue to get those charges back either....
  6. Yes, I had all the paperwork. They still refused to accept a return at the store (the London one). The link they direct you to is http://depot.info.apple.com
  7. How long ago? I may want to mention this to them in my letter before action.
  8. It is clear that banks do incur some cost when a cheque is bounced or whatever; it's not £35, and maybe it's £3.50 or something, but there's going to be some cost. Is it possible that when the whole practice of dodgy charges dies, as it must, they'll start countersuing people they've given a lot of money back to? Eg: you sue the bank for £3,500, being 100 bounced cheques at £35 a pop. They capitulate and pay your £3,500 back. They then sue you for the actual cost of your breach of terms, i.e. £12 a pop per the OFT. So you sue them for £3,500 and they countersue for £1,200 meaning y
  9. Someone bought me an iPod in November and last month it packed up. I tried to return it to the Apple Store in Regent Street, where it was bought, and they refused to accept it. Instead they directed me to their website. This takes you through a procedure whereby you are sent a replacement via UPS. You are required to give a credit card number, and if you don't return the defective product within 10 days you are billed for the replacement at full price. Fair enough - if they're going to send the replacement out before they've seen the dud, they're exposed to fraud. You have to accep
  10. According to the OP they have already stated they will enter into no further correspondence.
  11. Is this the same First National who are based in Harrow and do the credit for Dolphin Bathrooms?
  12. With what? You seem to be doing fine. Have you had any credit card charges levied in the last 6 years? Any credit agreements, anything like that? If so, sue them too.
  13. Those charges are all unlawful. If you have had a letter refusing to discuss the matter further, sue them right away. Do it online, now, this morning.
  14. Smile have now responded with a delaying message as follows:- I'm afraid it is unlikely that we will be able to reply within 7 days as requested but we will respond about this issue within Finacial Services Authority guidelines (This is up to 8 weeks but usually much quicker). Anyone have any views on this?
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