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digitalantichrist

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About digitalantichrist

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  1. OK. So I got a letter in from the bank's solicitors telling me that as the OFT case didn't go according to all our hopes, they're seeking my case be dismissed, and want a reply from me as to my intentions. In their words "your argument that the changes as unfair has now, in our client's view been decided in favour of the banks by the Supreme Court. Furthermore, your contention that the charges are penalties at common law has also been decided in favour of the banks by the High Court in England and Wales, who held that none of the charges were capable of being penalties. These decisions wi
  2. But, and I apologise for seeming dense, surely they only have the authority to debit my account for the correct amount, and if they err then they should pay for the consequences of their mistake? Anyway, thanks for the answer, I'll get in touch with both Vispa and the bank to see if this can be resolved. Is there a specific piece of legislation to look into which deals with the bank's responsibility for refunding, just in case they tell me its not their responsibility?
  3. Hi trinity, My partner's mother has had exactly the same problem with Talk Talk, with exactly the same excuses, first there were line problems (which there weren't as we'd had the BT engineer out to check everything over and it was fine), then it was the equipment shortage. It all started in November when they signed up, and they were still being fobbed off in early January and being told that they'd be connected within a fortnight.. funnily enough, that's what they'd been told a fortnight before that, and again before that. In February she called up Talk Talk and told them where th
  4. Hi there, My isp Titan recently moved from one wholesaler to another, from Entanet to Vispa. We were assured that as long as we cancelled our direct debit with Entanet (to whom we paid the bill), and gave Vispa our details we'd be fine and there's be no double billing. So, in early February Titan moved us to Vispa, we terminated the dd with Entanet, and set up the dd with Vispa, expecting the same deal. However, on Friday we visited the bank to discover that instead of our usual £20 direct debit for the internet connection, Vispa had taken £53. There wasn't enough money in the accoun
  5. excellent reply, many thanks! My friend had tried to come to an agreement with RBS before the account was defaulted. She had offered to pay £5 a week to bring the account back within her overdraft limits, and to pay off the overdraft once that had done at a similar rate, or greater when the ability arose, but the bank weren't interested, they wanted the whole amount that she was 'overdrawn' by, which was £180, and they wanted the overdraft paid off asap. Being a student, she didn't readily have that kind of cash at hand. I think that the majority of the debt incurred which drove her
  6. I'm posting on behalf of a friend who recently defaulted on her RBS student account due to being unable to make regular payments to clear the overdraft. The debt was passed on to Allied International Credit who are "acting on behalf of our client to recover the above outstanding balance". My friend sent out a letter based on template N - "Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974" on the 18th, with the £1 postal order to Allied. Today she received a letter back from them saying that "As we are currently acting on behalf on RBS Bank in r
  7. OK. So I sent off the letters by recorded delivery on the 18th, got my reply from both Roxburghe and Graham White Solicitors today. The letter from GW was in an unsealed envelope, terribly shabby, that. The letter from GW is dated the 23rd Feb and is titled "Final Notice" and states that "Our clients have instructed us to write to you one final time before they decide on what further action to take", then there's blurb about costs, payment plans, court papers, and sending a field investigator to visit my property. The letter from Roxburghe is dated the 24th and they thank me for my r
  8. ^ fffffffuuuuuu..... no, I sent it by standard post, balls, I knew there was something I should have done!
  9. Ok. So today I received a "Notice of intended legal action" letter from Graham White Solicitors (dated the 9th Feb, arrived 16th). In it they advise me that should the matter come to court there would be costs involved which include a small claims summons (£35) at 8% interest annually, along with expenses. Also "In addition to this scale costs are set to £131.61, making the outstanding amount increase by a minimum of £170. Now, I sent Roxburghe the letter suggested above by alfwithhair a week or so ago, so where to go now? thanks, as ever!
  10. Technically, I guess I do owe them money, but morally I'd say I'm within my rights; they failed to provide a service and failed to act to restore an adequate service after months of complaining, so I cancelled the direct debit. I didn't respond to Crapito Credit. Roxburghe phoned last week, I had taken notice of others on the site recommending that you not speak to debt collectors on the phone, so I just hung up on them saying "no thank you". I'll get on to Talk Talk, and ship the letter off to Roxburghe. Thanks Alf, you've been a great help!
  11. alfwithhair, I have a 'notice of suspension' letter dated 16, May 2007, where they state that despite reminders, I've got an outstanding balance. A letter dated 22 May, 2007, confirming my 'recent request' to cancel my account with them. It states that 'As your payments are collected in arrears please don't cancel your direct debits'. A letter dated 19 June 2007 with my final account balance of £56.79 And a letter from Experto Credite dated 20 September 2007 also asking for £56.79 Unfortunately, I don't have any of the correspondence with Tiscali detailing the connection s
  12. Hi, hope you guys can be of some help. I got a "72 hour notice" letter from Roxburghe today with regard to a debt of £80 I apparently owe Talk Talk formerly Tiscali. Prior to Roxburghe getting their mits on the debt, it stood at about £60. The debt relates to an internet contract I had with them about 3 years ago. Briefly: after 3 months of getting below 56kbps on a deal which suggested I'd be getting broadband of 2Mb, or whatever my line could handle (the line can handle 8Mb), I grew tired of trying to sort out the issue with customer services on the phone and their useless forums,
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