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  1. Hi I put a claim to the Ombudsman for the return of fees for my Advantage Gold account after months of wrangling with the bank over its perceived mis-sale which the bank denied. However I received a letter from the Ombudsman who has advised that whilst they haven't looked at my case or paperwork yet the bank wants to make me an offer which constitutes of the return of my fees plus interest, less any benefit I received for the preferential loan and overdraft rates I received. Thats fine as it stands. However I want a lot more than that if redress is supposed to put
  2. What next I wonder. Do you think the Ocean should be left alone? At first I checked the date of these articles thinking it was just an April Fools article.This spread across the world. World’s first seabed gold, copper, silver mine to begin production in 2019 http://www.mining.com/worlds-first-seabed-mine-to-begin-production-in-2019/ The terrifying robots set to mine the seabed: Machines to search for gold and other precious metals on the ocean floor The deep-sea robots will mine mineral deposits in Papua New Guinea in 2019 Land-based mineral stores are becoming deple
  3. I hope i can get some advise from you people in the know. I have recently gone part time in my job plus house husband (health issues) and my wife has gone back to full time work. My work pay for my gold card and i pay it back weekly out of my wages. The only way we can afford to do this change was sharing my gold card. (last 2 month) Today my wife got caught with my gold card and was read her rights. She said that she picked up the wrong smart card (even though she hasn't got one). They phoned to check and said they would check again at he office. They
  4. My OH's elderly parents received a letter advising that their Gold account is being downgraded. When my OH discussed this with her mum, she was unaware that she had been paying a monthly fee etc so possibly a case of mis-selling. The letter also stated that they were downgrading account due to 80 year old age limit, yet they are 85 & 87 years old and therefore a bit late in advising. Now my OH's dad suffers from dementia and her mum is not very well and when mentioned about submitting a complaint she felt that she couldn't go through with it. Obviously my OH and I a
  5. hi all i took the above accountout about 15 years ago and was told i needed to take this account to get an overdraft how would i get a copy of all my statements thanks
  6. Hi all, Been sorting out a few defaults on my Experian credit report, and there is one that states: GOLD STAR FINANCE default date: xx/10/2011 I have not a clue who this is. Been to their website, never seen it before in my life. Does anyone have any idea who these are? I've also sent off a query to Experian, asking them who it is.
  7. Hi everyone, i have recently just purchased (16/11/2015) a 60 plate BMW 318d from a car supermarket. Unfortunately I was also sold auto protect gold warranty, i was sceptical at first and in hindsight after reading some of the horror stories regarding this company, it is something i shouldn't have purchased. Both the car and the warranty were purchased on finance, through 2 separate lenders. The dealership gave me the hard sale, and mentioned that virtually everything is covered, he also added that as the warranty was being purchased with the vehicle, that w
  8. Hi there guys, I hope someone can advise me on the below: I cancelled my Direct Debit in January 2015 after being with Gold’s Gym [Hanwell]for around 2 years, however I havent sent them written notice or whatever at first. – so after that I received letter from Gold’s Gym on 19th of January chasing me for unpaid January monthly membership that they were trying to take from my account on 15thJan as each month. Right away I called local Hanwell gym and went there as instructed on the same day January 19th 2015. I discussed the situation with present at the reception Golds Gym personnel we d
  9. Hi does anyone have a copy of terms and conditions for travel insurance advantage gold account for the year 2000 I am trying to put in claim to get back monies paid. I had a pre existing medical condition Cancer which the bank knew about. They are saying I can not claim as my insurance was valid. I know it was not. I never went on holiday so the policy was useless.
  10. I recently made a purchase ONLINE, live, gold bullion. I have used the regulated company & site many times before. pressing the CONFIRM button . it requires acceptance etc, that clearly states the order cannot be CANCELLED and payment is immediate by debit card. it is VERY clear that this contract is exempt Regulations 2013 regulation distance and off-premises because of LIVE fluctuating prices. PRICES ARE FIXED upon confirming, which I did, and is a in STOCK items. I receive the confirmation of ORDER , and acceptance of order also confirmation of
  11. I lodged a complaint via telephone this morning to say that I downgraded from Advantage Gold at a review meeting in March 09 after I had recently been made redundant with my then relationship manager. It was established that I had no need for the account. I was advised that it had been open since 1999 and I thought the charge was in relation to my overdraft. For the duration of when I had the AG account I had a company car and company mobile which were covered by the companies insurance and would not have agreed to purchasing this product. To reinforce the fact I was
  12. Hi, I am hoping someone can advise me can I defend or challenge County Court Claim N1CPC issued by Restons Solicitors on behalf of Cabot Finance on 10th November 2014. The claim is for £10k overdraft on a gold current account that was originally held with Lloyds TSB. I am in this mess because I was made redundant from my Job, diagnosed with depression and unable to work for two years. At the time I opened my account in 1995 I had an overdraft facility of a few hundred pounds (£200). The facility was supposed to be reviewed every two/three mont
  13. Hi Does anyone know what Lloyds would have been charging for their packaged accounts back in 1987? I've gone back over my own records and can share the following just in case it is useful to anyone else. Classic account - package referred to either:- account fixed charge account service charge account charge around 1991 account charge was £8.00 per month around 2004 account charge £10.00 per month around 2008 account charge £12.00 per month around 2011 account charge £12.95 per month i assume that the account charges would have been the same for everyone wi
  14. I have now eventually received SAR details from NatWest but they cannot obtain a copy of the original agreement or any statements between November 1998 to October 2001 (due to inactivity on the account) as closed in June 2008. Is this correct or should I be pushing for them to attempt location from their archives ? I do have most of the statements from April 1999 to October 2001, its just that I was hopefully trying to locate any that I did not have. Also when submitting complaint, shall I enclose any copies of statements that they do not have ? Do I also use the compound intere
  15. Could anyone point me in the right direction to try and reclaim package fees. We were sold this account to obtain a preferential rate on a loan but have not used the benefits otherwise. We have had the account since about 2000 - can claims go back that far and should I write to NatWest asking for all fees and charges on this account since the account was openend? Many thanks
  16. My OH was just going through some old paperwork and came across an old closed BHS Gold Account Store Card from about 6 years ago. She has various statements but not all but there is a monthly amount for Account Premium Cover - Is this possibly PPI does anyone know ? If so, does anyone know the contactable address to send an SAR to thanks ?
  17. Hi guys Over the last 6 years I have paid for a Nat west gold account every month. When I took this account I was advised it would give so many benefits including phone insurance holiday cover also access to cheaper loans. I have never used any these. Accept for applying for a loan which I was turned doen. When I tried to cancel this fee I was told if I did I would have to repay my overdraft immediately. Is this correct or can I try and reclaim these fees/charges? As the last few weeks on social media there are companies claiming to do it for you. If I can
  18. Hello I overheard a conversation in the bank a customer was having his royalties gold payments refunded by RBS due to incorrect selling Is this possible? Thanks
  19. Hello All, Bought a used car recently which had 3 months Warranty as above. Had starter motor prob in 2nd month, the garage which have been excellent for customer service replaced motor without quibble. The 3 months warranty is expiring shortly and I am considering taking out the above named RAC Warranty, Gold Parts and Labour Cover at £299 for 12 months cover. I have always had the opinion, rightly or wrongly and reading press reports etc, that these Warrantys are not usually worth the paper they are printed on. The dealer I bought the vehicle at, have been as stated abov
  20. Something a little bit different for the train experts this time - at least not a fare evasion, at any rate. I have an annual Gold Card season ticket that allows me to travel from a station about 80 miles from London into London terminals every day. It costs about four and half grand - and runs from spring 2014 to 2015. Changes in my personal circumstances mean I am unlikely to need this card soon. Though I can "cash it in", the rail company only count the first ten months of validity to work out a pro-rata refund. However, I am permitted apparently to change the "origin" station
  21. Hello, I'm new on this forum so welcome all users . I have some problems with Gold's Gym. Me and my wife was on 12 month contract with Gold's Gym and after finish of contract we cancel membership. I spoke with the gym, but they told me that they need to charge for extra one month for nothing of course just because I call to late in their opinion. I didn't want to pay as I don't even use gym from 6 months as we have a baby and just pay it to not have problem with cancel chargers, but want to cancel it immediately after. I cance
  22. Hello all, Today I received a random text saying ' Banks are refunding customers who have paid a monthly fee on packaged accounts' I had no idea what a packaged account was, so I looked it up on the web a lo and behold my Natwest Advantage Gold Account is one of them. I have read through part of this forum and I just wanted to clarify If I may be entitled to any form of refund of charges. Following are some facts: 1- I have had an advantage gold account since 1989 2- I was told that It would be easier to get an overdraft with this account. 3- For years I paid
  23. Barclays Bank has been fined £26m by UK regulators after one of its traders was discovered attempting to fix the price of gold. The trader, who has been sacked, exploited weaknesses in the system to profit at a customer's expense, the Financial Conduct Authority (FCA) said. The incident occurred in June 2012, the day after the bank was fined a record £290m for attempting to rig Libor. Barclays said it "very much regrets the situation" that led to the fine. http://www.bbc.co.uk/news/business-27536127
  24. Your team's invaluable advice and slicks letter has got me so far now I am stuck and forced to make a thread about my very unique situation. Here the key points: I had been paying monthly to Gold's after initial 12 month fixed period, I moved to USA temporarily last year in Jan 2013. I returned for 1 month to UK and called to cancel (big mistake) in August 2013. I was told my membership was cancelled. I cancelled my DD and a month later i get a £25 admin charge on top of usual bill, I called again (big mistake i know) to tell them I had already called to cancel a month ago so I wa
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