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steve5080

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Everything posted by steve5080

  1. Sorry again, our posts crossed over again, obversley your typing is qicker them mine. Thank again
  2. Hello again NWSM Sorry to be a pain here, when I started my previous post I had not seen your last post. Am I right in thinking then, that the standing order would still have been prossed Tuesday morning before the transfer would have shown on the system.
  3. Hi NWSM I have just re read the above post and am a little confused why the payment would have been "returned on the Saturday". The payment out of her current account was not due until the Monday 1 Jan, that being a bank holiday, it did not get prossed until Tuesday 2 Jan. She transfered the funds from her Esaver account into her current account on Saturday 30 Dec
  4. I can't help wondering that if we were a little less nice & polite in asking "please sir can I have my money back, I'll be good from now on", might they get the message that they cannot get away with treating their customers this way. Of couse I realise that it not the fault of the staff on the front line, they have to work within the system, but there must be another way. Prehapes some of us should buy shares, then turn up at the AGM and ask some awkward questions.
  5. Thanks nwsm, As I stated in my draft letter I am awear that debits are made in the morning and that the credit would not have been applied to the account untill the afternoon. It is the prosses that automatically renders a £38.00 charge, were others, as in the case of her house mates(A&L account), would have transfered outside of bank opening times: A&L did it on the 1st
  6. I understand that the word theft should not be used here so I have edited the above posts to read "unlawful" however if they wish to sue me personnelly I will welcome the publicity. If it looks like a dog, smells like a dog and barks like a dog..........
  7. And again how do you justify £38.00 For not paying the standing order
  8. Hi Kimmy What I said was "this could be called Legalised robbery , except that I do not believe that it is legal,, it is unlawfull"
  9. No she didn't phone them, she went in person to the branch. They say they can do nothing in the branch. The E Saver account is an internet only account. She was transfering money from one Nat West account to another Nat West account. I bank with IF and when I transfer funds from one account to another it is instant. If they can do it, then why not Nat West. That said why is anyone here defending Nat West charging £38.00 for this "service" in first place. If you think there is any justification for this, then why are you here
  10. Below is a letter I am about to send to the Chairman Of Nat West. Dear Sir On arriving home from work today, I was told by my daughter that the standing order for the rent on her student accommodation was not paid by you because of “insufficient funds”: this in spite of the fact that she had transferred the funds online from her Nat West E Saver account to her current account on Saturday 30 December 2006. The standing order would normally go through of the first of the month, however, with the bank holiday she was aware that it would go out on Tuesday 2 January 2007. Because debits are carried out in the morning and credits are processed in the afternoon, she was technically without funds at the moment your computer system processed the transfer. The transfer was denied and a charge of £38.00 has appeared on her account. The funds, of course, appeared in the account the same day. Fortunately her current landlords agent has been understanding, and is prepared to wait for the cheque that she has posted today: although she is aware that others have levied a late payment charge of their own in such circumstances’. I am incensed, livid and outraged at such a penalty being applied practically to a student on a tight budget, and when the funds were already in her Nat West accounts. I feel sure that you will tell me in your defence that this is an automated process, however I would like to know how you arrive at a charge of £38.00 for this action. I do not believe that this is a justifiable charge. I now have nothing but contempt for your bank, you clearly have no regard whatsoever for your customers and are driven by greed for yourselves and your shareholders. I do not believe that you are a fit and proper organisation to have charge of peoples money. I am passing the details of this matter to the Ombudsman’s Office, Trading Standards, my MP, BBC’s Watchdog and Radio 4 Money Box and the press in general. This could be called legalised robbery, except that I do not believe that it is legal, it is "unlawfull", and if you think that statement is labile them I invite you to take me to court, I will look forward to the publicity. Any comments or suggestions greatfully received
  11. I have to tell you that not all of the credit card have dropped their charges, at least not the ones i'm dealing with. Creation Finance, still charging £20 late "fee" and £20 overlimit "fee"... inspite of the fact that they set the limit and then send you over the limit with they charges so that you can pay again and again........sorry I'll get off my soap box now......anyone got a ladder.......or prehaps I'll send that e-mail off to the Ombudsman while I'm up here.
  12. My wife bought me a Sat Nav for Chrstmas last year:wink: form Great Universal (Littlewoods), however it didn't work and after 24 phone calls to the manufacture:evil: , was adviced to return it to form whenes it came. She returned together with a dress and on 1 March she queried why she had not recieved a credit, she was asked to send proof of postage, this she did and on the 8 March recieved a credit for the dress. On 17 March she again quired why the Sat Nav had not been credit and was again asked to send proof of postage. In their "sequence of events" sent with statmates in resonce to S.A.R - (Subject Access Request), they have note that on 14 June she was refusing to pay for the Sat Nav. It seems clear that if they received the dress, then they must have recieved the Sat Nav, and that the amount owed is in dipute. Yet they have issured 2 defult letters and transfered the "debit" to Moorcroft. I know that they are not supposed to do that but I need to know exactly what they are in breach of. I know there is a brilliant responce here somewere but I can't find it, Please point me in the direction __________________
  13. Sorry to but in here but I too have 8 statements missing from GE, could they be the same 8. Mine are Sept 02, Sept 03, Nov 03, Jan - Jun 04
  14. My wife bought me a Sat Nav for Chrstmas last year;) form Great Universal (Littlewoods), however it didn't work and after 24 phone calls to the manufacture:mad: , was adviced to return it to form whens it came. She returned together with a dress and on 1 March she queried why she had not recieved a credit, she was asked to send proof of postage, this she did and on the 8 March recieved a credit for the dress. On 17 March she again quired why the Sat Nav had not been credit and was again asked to send proof of postage. In their "sequence of events" sent with statmates in resonce to S.A.R - (Subject Access Request), they have note that on 14 June she was refusing to pay for the Sat Nav. It seems clear that if they received the dress, then they must have recieved the Sat Nav, and that the amount owed is in dispute. Yet they have issured 2 defult letters and transfered the "debit" to Moorcroft. I know that they are not supposed to do that but I need to know exactly what they are in breach of. I know there is a brilliant responce here somewere but I can't find it, Please point me in the right direction
  15. My first responce has been to recalculate the entire history of the account assuming no expenditure dueing these periods, ommiting all charges and just adding the interest month on month. My wife did infact clear the balance at one point during the missing period from a bank loan, and as I have the cheque details, I have included this. The result is that I'am showing that instead of a debit of £711.97 she should be £556.89 in credit. A difference of £1268.86. I'm looking for a good night out follow by a better night in:cool:
  16. It isn't just that they don't have the phycial statements but they have no record of any spending, payments or charges to the account for these periods.
  17. I sent an S.A.R - (Subject Access Request) on my wifes behalf to GE Money asking for her BHS statements. These arrived fairly promptly however there were 8 missing (5 being consecutive) . Wrote to them again and they have replied with an apology saying that they could not find any record coving these periods. In addition I now find that she has a QVC account that is also opperated by GE Money, while I did not mention this account in my S.A.R - (Subject Access Request), it does ask for "a complete list of transactions & charges relating to my account history with your company". What should I do, all ideas greatfully recieved.:idea:
  18. Thanks JonCris, It was more than a bit like blackmail, I was lowering myself to their level for a moment, I put it down to 4 calls in one day. I have amended the letter thus I will now report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. I will also be bringing to their attention your use of recorded messages which can and have been answered by other people within my household, which inform the listener that you have tried to contact me regarding an outstanding account. This is a further breach of the Administration of Justice Act, as is likely to cause embarrassment and, I believe, the Data Protection Act. My complaint to the OFT will include the matter of your continued £20 penalty charges and your non acceptance of their statement of 5 July 2006. Are there any letters or contact details here for my complaints to OFCOM, Trading Standards & OFT. Cheers
  19. I have just spent all day writing a LBA to Creation Finance including a peice insisting that they must comunicate in writing only, only to recieve the fourth phone call today. I read him what I had writen Please also note that as this account is in dispute, you should instruct your collection department accordingly. I have received three telephone calls today pursuing payment. In the first of these calls this morning I was threatened with a default notice, further £20 charges, having the account sold over to a collection agency and legal action. I believe this is harassment under the Administration of Justice Act 1970 (Sec 40), and in contravention of the OFT code of guidance(ignoring disputes about whether money is owed). In view of the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing, I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. I have verbally requested that these stop, but I am still receiving calls. I must insist that all further correspondence from your company to be made in writing only. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Further more my telephone number is registered with the Telephone Preference Service and any more calls from you will be in breach of the original 1999 TPS act and the subsequently updated Privacy and Electronic (EC Directive) Regulations 2003. I wonder if this will have any effect Following the fourth call I have added another letter :- Since writing the attached letter I have received a fourth telephone call today. It is my belief that the frequency of these calls is a direct result of my claim against you and that it is harassment and intimidation by your company. This is in breach of the Communications Act (2003) s.127. Once again if you do not settle my claim in full within 14 days, and I have to start legal proceedings against you I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Is this a bit strong
  20. Thanks for prompt reply. There were no contitions, they just said that the refund would appear on the next statement. I have had two phone calls from them thismorning chasing payment from me. I have just offered to pay in full, on the understanding that I would apply contractual interest to that when I take them to court. He would not accept my offer:(
  21. Having sent a request for repayment of fees and refund of PPI to Creation Finance they replied with the usual "It's your fault, terms & conditions etc." but then offering to refund the difference between their £20 fee and the £12 they state the OTF said was a fair charge in their july 2005 statement. I belive they are misquoting the OFT and I have read a brilliant responce from someone here to the same offer but have no idea just where. As to the PPI they said that as this had not been queried over the 3 years the account has opperated they would only offer to repay half the premiums collected. It took them 3 or 4 weeks to investigate this matter, and it seems strange to me that they have not produced a document requesting this cover.
  22. Have you tried talking to your doctor as Nathe has already sugested twice!
  23. Hi chezt When I said mine was slighty better, I meant that it showed a slighty higher figure. It isn't any easier to use, but I think it demonstrates the way the account should have looked without all the unlawfull charges, and the effects of the compounding interest. Infact it shows the account would have been in credit for much of the time. I could then go on to show the correct level of ppi if I had agreed to them selling it too at time. The result in my case is that the charges ammount to £655 but the effects of the interest means that I am claiming £967
  24. Sorry Chezt, you seem to have misunderstood my post. What I have done is to recalutate all of the statements as I believe they should have been done, without the late payment fees and overlimit fees, so that I can show exactly what interest I should have been charged without the guess work, and demonstrate to the company, and the courts that I am only seeking to be restored the the position I would have been in if they had not impossed these unlawful charges in the first place. Since this has led to me paying more money to them than I needed to, my account should have been in credit for much of the time, therefore I shall be claiming back interest at the rate they have charged me, ie 29%APR. I believe this is known as contractual interest. I started with VAMPIRESS'S spreedsheet but found the calculation of interest a bit arbitrary. Having said that the difference wasn't great, but mine was slightly better and, I think, easier to demonstrate the accuracy to the court.
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