I have had a similar issue, just received my Christmas points and my points balance was virtually zero, i've since built it up to 420 +24 points for that visit, as of the 27/11/2009

my balance is now only at 94 although i've added 4 points to that visit on the 30/11/2009, so it can't be that its the end of the month or something

i've then since added another 50 points to my balance of 98. (94+4)

so it seems like it's been reset...

but if you check the receipt the first time after they seem lost the receipt says it's converted points up to the 22nd and they will arrive by the 19th... so i guess they are doing 2 lots of vouchers pre-christmas. rather than quarterly.. perhaps this explains other peoples issues?!

bar a few spelling issues, it should do the trick. try and remain calm and take a 'proper' approach, don't be angry or threaten as they will use it against you.

i would file your court claims for them, complain to OFT, TS, FSA, FO and watchdog! being on tv helps! lol.

good luck and fingers crossed.

*subscribed and eagelry awaiting more!*

errm not sure on POC's just have to try and find a similiar case and use theirs, but edited to fit your case.

just state the facts. in breach of so and so etc. criminal default seeking compensation and the removal of data blah blah blah certain acts etc etc.

well natwest have finally removed my defaults after a month after court claim, and experian have confirmed. i am now a free man. how are you getting on?

ruby.. file your court claim for the penalty charges and include the default notices in your particulars of claim. they will then agree to remove them, once you have a full refund plus interest use that to off set the debt.

keep the communication up and they will either get annoyed and sort you out , or slip up by say something you can use to help you.

keep going mate.

i'd go with number 2.

any progress mate?

£2400!!!!!!!! that can't be fair or right!

why over 12 months old? plus some interest? how much?

not very transparent, when you don't mention figures...

indeed it has been a good debate.

If they get their money back (in most cases they get all their charges plus interest) what's the problem with that?

the issue, is the fact you are taking your cut, or charge a fee, no win no fee types. very cleverly worded to confuse joe public into thinking its a free service but it's clearly not.

You will notice that the other day on the Halifax thread that a user got a settlement simply because I posted some feedback, not a big deal but every little helps.

nothing to do with that persons hard work, or people on this site, or the banks giving in, as they do.

all down to your 'feedback' yes. aren't you great!

Also 9/10 statistics are made up on the spot and 87% of those are completely meaningless.

i work as a data analyst using statisitcs, this is fact!! lol.

"lies, lies, lies and government statistics"

what inspires confidence is when they get a big old cheque from their bank. If a company does not offer a good service, customers won't use them.

banks don't offer a good service, nor do the post office, yet they are still used! millions of times a day, because there is nothing else convienient or available. indeed though some company's are useless and they end up losing business because of it. but it doesn't apply in everycase!

slightly off topic, i apologise

Well I have a firm of solicitors that I use to advise us on various issues, but no they are not directly employed by me, hopefully in 6 months time we will be in a position to hire one full time if we felt it necessary. Again, I fail to see why this is relevant. The law is quite clear on penalty charges, its not like there are complex legal issues involved here that are open to interpretation or debate.

touche

lol

he is a qualified pilot actually, although probably not when he started his business, but he did and does employ qualified pilots to do their jobs.

are you hiring qualified solicitors to work for you?

sorry i am not aware of any question you have asked me.

if you were a qualified to degree level and have a LLB in Law then i wouldn't have any problems with what you are doing, but by your response i again assume you don't.

ask what you like.... i have nothing to hide.

i assume therefore you are not part of the administration staff?

what qualifications do you have?

"i make a little money"

surely your business does, how many of you are there? is this a one man show?

lets just see shall we....

let us know how you get on then!

and we'll see.

enougth said on this matter then.

lol ! thank you very much,

brilliant.