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polar_b

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Everything posted by polar_b

  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 10 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 2019-03-08. 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. This topic was closed on 03/08/19. 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
  5. This topic was closed on 03/08/19. 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
  6. This topic was closed on 03/06/19. 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
  7. Hello Amelia, you really have nothing to worry about. I too was scared of taking the first step but then after reading all the FAQs it dawned on me that at the very worst I would lose my court fee. I thought maybe I would have to go to court, end up with a huge claim for legal fees etc. - all completely wrong of course. Instead I ended up spending perhaps 10-15 hours on my Natwest claim, which was succesful in the end. The letter writing does take some time but then on the other hand you have got plenty of time to do it. It's not like you have to defend yourself in court with a big bad ju
  8. Well! I did phone up the court and they could not explain what a directions hearing was other than a vague "it's what the judge has ordered to decide how to proceed with the case" (that's all clear as mud then). A few weeks before the directions hearing was to take place the solicitors firm Lloyds uses writes and offers a full settlement. AFAIK no claim has ever come as far as a real directions hearing but I may be wrong...
  9. Well, what can I say - this matter has now come to its conclusion. I have got what I asked for. I must admit it has left me with a bitter taste in my mouth though, because: * It's my money. My lovely money which I have earnt fair and square and paid taxes on. I cannot believe how much has been involved in getting my own money back. * The way the bank has played this. They have tried to make it as difficult as possible and it seems only those who really persevere until the end get a decent result. Their tactics are all above board but trying to scare me by saying that they belie
  10. Do not worry. It is just scare tacticts. They will also say in their next letter that they believe your case will fail in court. Of course they do not really believe that, otherwise they would let all these cases go to court instead of settling in the last minute. I bet the letter you have received is also a standard letter they send out to every claimant. Remember when you filled out that spreadsheet to work out the interest, so you could include this in your claim? Simply print this out and send it back to them with the letter as suggested in this thread (you may have to slightly edit s
  11. It might be a case management hearing, I am not sure. Will call the court tomorrow to try and find out what on earth is going on here.
  12. My partner has a claim in progress and a few weeks ago he received a letter from Barnet CC saying the case had been stayed pending the outcome of the Elliott test case. I wrote a letter back informing them the case had been settled and wished to apply for the stay to be removed. Now he has received a slightly odd letter stating that there will be a directions hearing taking place on 30th August. It also says at the bottom "Please note: This case may be released to another Judge, possibly at a different court". So - what goes on at a directions hearing and why the need for this
  13. "Banking facilities" can mean a lot of things, surely? It may simply mean that they might withdraw your overdraft facility, for example. Having said that, when I was with smile I received similar messages that I found slightly patronising. This is one of the reasons I left Smile (primary being their charges!). It could be an empty threat. On the other hand, if you do complain about charges again they might simply refer to their terms and conditions and close down your account. It's hard to know!
  14. Forgot to enter a dairy here as I went along - but have yesterday received a lovely cheque for £734 from Smile. I went through the usual route - Data Protection Act request then preliminary letter. Received a letter dated 20th June saying they were looking into my complaint and they would get back to me. The 14 days were up, I sent my LBA on Wed 5th July and then the day after the cheque arrives. I have a feeling Smile are taking a risk and are simply refunding without the case going to court. It makes sense, they incur less costs in dealing with my case and I get my money back fast
  15. It's pretty sad isn't it! I cannot see how this is good news. £12 is still far too much. Also interesting to see that the credit card providers are reducing their unlawful charges to the maximum possible. Typical.
  16. You are not the only one to experience rude calls. I have had my fair share and in addition to being rude they were also very patronising. On several occasions, when I would not stand for their behaviour and started fighting back in a calm and collected manner they simply hung up on me. So - I think they need and attitude change in that department and you should definitely complain about their behaviour.
  17. I am of course not satisfied with this so will send them the standard LBA today. I am however happy that they are reducing their charges, interestingly they are not providing any details. I bet they will simply reduce to £12 for any kind of charge.
  18. Received reply dated 26.06.06, from Card Services, Pitreavie Business Park, Dunfermline, KY99 4BS. Dear Mr Hansen Our Ref: XXXXX Thank you for your recent letter regarding various charges, which was applied to the above numbered account. I refer to the terms and conditions of your original agreement, which you signed to confirm you had read, understood and agreed to be bound by. A late payment charge of £25 will be applied to your account on each occasion that the minimum payment is not received by the due date shown on the statement. An overlimit fee will be applied each t
  19. They CAN do this but it's unlikely. I have not heard or seen of any NWB customers being forced to close their accounts so far, and they have had plenty of lawsuits. Before you actually issue a claim against them it is wise to have a "parachute account" ready with another bank, just in case. No, I don't see how that will affect it at all. It's not about how you operate your account or how much money you have or do not have, it's about reclaiming charges (YOUR MONEY!) which are illegal. Have a read of the FAQs and go for it!
  20. Hello there! Welcome to CAG and these forums. I believe a referral charge is a charge NW applies when they have to "refer" a payment because there is not sufficient money in your account to pay this. I normally get it when I have a direct debit that's bounced. You can of course claim this back! It WAS your money in the first place. It's annoying they don't specify anything other than "charges". I find it's simply NW charges you have accumulated over the past month and then deducting these in one lump sum on the same day each month. You normally get a letter first
  21. It's good to know it's not just me! I find numbers so hard and I have had so many traumatic experiences in the past that I now find it very difficult to relate to numbers. Ironically it was a letter from Capital One which made me actually make a spreadsheet detailing my income and expenditures - they required this before they say OK to my repayment plan. Today I recieved a letter from Northampton CC acknowledging my claim. Can't wait to see what happens next!
  22. Added up all my fees and they amounted to £400. Will send prelim letter 19.06.06.
  23. I had a credit card with Intelligent Finance - but this was discontinued last year. The reason was that they could not provide credit cards with a chip, so customers got a choice of either transferring to a Halifax credit card or closing the account but paying it off in regular monthly payment. I chose the latter, and my account has now been transferred to Halifax. Sent DPA letter 09.05.06 and received a letter on HBOS letterhead dated 15.06.2006. This said that they had recieved may request and that the information I require will be sent to me by separate cover no later than 20.06.06.
  24. Sent DPA request on 09.05, received a response with a letter using their letterhead on 14.06.2006. Letter is signed Alastair Thomson, Compliance Manager. The address quoted on their letterhead is: Keith House Redheugs Rigg South Gyle Crescent Edinburg EH12 9DQ I was quite impressed with all the information I received, which was: * Covering letter * Copy of booklet "uses of data and important information" * Explanation of visa transcript abbreviations * Statements * Account history - showing notes on account as well as status per month Everything was nicely st
  25. If you read the IT trade press publications like Computing you will have seen several articles about the banks and their legacy systems. As the systems are old, almost impossible to integrate and hard to change this makes payment clearing very slow. Also, the banks seem to have been reluctant to make proper investments - from a business perspective this makes sense: why change something that already works for your business? They just do not care abou slowing everyone else down. The driver for increased payment clearing speeds seems to be business to business transactions - having to wait 3 day
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