Jump to content

thegoodsamaritan

Registered Users

Change your profile picture
  • Content Count

    153
  • Joined

  • Last visited

Everything posted by thegoodsamaritan

  1. This topic was closed on 09 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 09 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 09 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
  4. This topic was closed on 08 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
  5. This topic was closed on 08 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
  6. 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
  7. This topic was closed on 03/07/19. 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
  8. This topic was closed on 03/07/19. 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
  9. This topic was closed on 03/07/19. 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
  10. Says who exactly? Where did you get that information out of curiosity? Thats exactly what the banks want consumers to think so they think twice about jumping on the the whole "abolish penalty charges" brigade. Banks don't make the majority of their profits from "penalty charges" - they make them (at least in retail) by keeping a good customer base relatively happy and selling loans / credit-cards / mortgages / investments / insurance / packaged accounts etc to them. As has been said on this thread in various guises already if any bank started charging it would quickly lose a large porti
  11. The banks all seem to want to scare us with quotes like "well if we don't charge for unpaid direct debits etc then it will mean an end to free banking in this country" Just had an interesting chat with a friend of the family the other day who works for a management consultant company that's heavilly involved in advising the banking industry about how best to maximise their profit. Didn't mention this site - just asked him what his thoughts about bank charges were. His take the on the charging situation was basically "we live in a capitalist world thats just the way it works" but also more
  12. If you have a large amount of charges, then yes the "best" way to get charges back is to follow the process here and go to court... But... If you only have a maximum of one or two charges with each bank then I'd say it would be easier to claim all your charges back without the hassle of having to go to court by being "friendly" with the staff and asking for them back as a goodwill gesture. Yes the banks may be in the wrong but would you rather resolve it quickly with little hassle or have it dragged out for longer? In my experience in the past credit card companies have refunded a single
  13. Been on holiday for a bit but good luck mate hope all goes well!
  14. Yeah it might be scary but its what you need to do (apply for the court order). Look at Candices thread, there's lots of helpful tips there. She has just had all her money and court fees refunded in the last day from RBS as they said it wasn't "financially viable" to contest the ruling. Your claim is for much less so you'll win as well. Go for it!
  15. Well done! I've been following your case since the start and its great to see them back down.
  16. This is probably quite unrelated. Its our job to ask (tell?) customers with overdrafts to come in to have it reviewed, as we can hopefully sign you up to a loan with insurance - generating more profit for the bank and more sales points for us. (yes folks this is how it works!) Assuming the letter was from the branch this is definitely what it would be for. If it was from another department then maybe they are up to something else like you say.
  17. an interesting tale about how debit cards can be authorised http://timesbusiness.typepad.com/money_weblog/2006/04/hidden_danger_o.html
  18. Fair enough, I've just never heard of or seen it done before. Was pretty sure the police would take the line of just claim it back using your issuing banks existing procedures. It would be interesting (and amusing) to see the rozzers turn up at Megbucks PLC and arrest someone.
  19. Yes technically it is theft but as far as I'm aware you can't just go to the police station and report them like you would a person, you would need to go through the courts. They would probably just put it down to error and it would be accepted as a "genuine mistake".
  20. Noising up the bank will indeed work, but we need to process an switch (maestro) chargeback report and then send it to the retailer. The retailer then has a certain timescale (around 28 days?) to show us how and when the transaction was authorised. If they can't do that then we can get the customers money back. I work in a branch, but from speaking to the department concerned the timescale can be up to 6 weeks. I'd assume its a similar system for credit cards. So basically I'd try the retailer first, they are not allowed (well, supposed) to process any transactions without your authorisat
  21. Funniest thing I heard was a friend who worked for Sainsburys on the customer services desk. They had to refund the customer no matter what. Enter one tramp carrying a packet of open, half eaten chocolate biscuits. He said they were like that when he bought them and wanted a refund. Naturally my friend noticed the suspicious amounts of chocolate smudged into his beard and all over his hands, and pointed out that it looked obvious the customer had in fact just eaten the biscuits himself. The tramp denied it and the manager made my friend authorise a full refund!
  22. Hi and welcome! The annual overdraft fee for business accounts is quite standard, I think its normally 1% of the overdraft minimum charge is £100. Pretty shocking they could just apply it without telling you. Assuming your overdraft limit is £20K I'd imagine they're already making a fair whack in interest off you. Check the terms and conditions of any agreement you originally signed, there may be something in the small print saying that you give them authority to do this by signing the original agreement. Also when you go into speak to your business manager (make sure it is your
  23. Sorry I haven't heard of this before, maybe its an army branch thing and unfortunately I don't know of the legality of the army changing soldiers addresses automatically. If the army have wrongly changed your sons address I'd say they are liable for the charges. Obviously though you could just claim them back through the systems as laid out here.
  24. This is the referal charge I was talking about earlier. Read my post above 23:57 on 28th April again. If you're still not sure get them to explain it to you in your local branch - thats what we're here for. Ask for a copy of the leaflet that explains charges as well. Here's my original thread on how they're worked out, maybe this will help: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2794 Yes charges are confusing, at times one wonders if they're set out like that deliberately.
×
×
  • Create New...