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    • It was because the last day fell on a weekend so they had until the end of yesterday to reply. No reply and I have Requested Judgement this morning, I have requested full payment by the 3rd November. I think a week to for the to resolve is reasonable. I don't hold much hope of them even responding to that so feel it will need to be taken further.   What is my next step if I don't receive the full refund by 3rd November?
    • I did see that but I haven't seen any announcement.
    • Dodo is just a scapegoat - and well rewarded at that.   So here we are about 8 weeks and approaching 2 months from: (during which failing to even collect 250 spit samples a day  @£500M)   BBC Breakfast - Matt Hancock on coronavirus testing (03Sept20).mp4
    • Good morning,   Thanks for the reply.  This gym involves Legacy Leisure, the gym I use is Rutland Sports Park, though my account is linked to Friesland Sports Centre as that’s where I initially signed up (they have 5 different sites all working as one in this area).  It was a council owned and run gym before they brought in this third party to do it for them (and reduced the quality, but that’s a story for another day).   As suggested I have cancelled the direct debit.  I received another email last night telling me that they would freeze my account for a further 6 months for an ‘admin fee’ of £5 per month.  I will be telling them that’s not good enough.   Apparently I owe them £25 for an admin error on their behalf from about a year or so ago (they mentioned this at the time but said they would look in to it, and never mentioned it again).  I’m happy to pay what I owe outside of this £26 28-days notice fee.   So: what should I do next?   Thanks again,   Sam
    • New head is likely sunaks old goldman sachs boss isnt it?
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Carer incurring excessive fees @ NatWest


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They have been told but they have never commented on it.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Told -= verbally or in writing?

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Verbally - but it's going in writing. I actually hadn't thought of this point. I'll let my new bank know!

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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My experience with the bank when I challenged them regarding them being told my Daughters mental health issues was that under the Banks discrimination policy they were not allowed to make any note on file about such conditions as ‘everyone has to be treated in the same manner’ otherwise it is classed as discrimination!!!

 

BTW they were told verbally three times and it was not until I saw the manager I was told the above policy. I by that time had applied to be my daughters’ third party representative so that they would ‘talk’ to me under the DPA. We then signed a mandate to that effect.

 

Jo

Have you ever known a bank to admit they are in the wrong??

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  • 2 weeks later...

You really need to contact the benefits agency as i am sure there is a rule that states that the bank CANNOT take your money for any debt that is from a benefit. There is a particular wording to use which the benefits agency will tell you. Rightfully the bank should refund all the money they have taken off your benefits as well as the charges if you start the ball rolling where they are concerned.

Lloyds TSB -Settled in full 30/08/06 :)

Now whoes next :)

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i think the bank were incorrect about the disability rights act too. they have to provide everyone with equal levels of access to the service, not taking into account someone's condition and accomodating it within reason hardly makes service access equal. it sounds to me more like a breach. i will ask a friend who knows an awful lot about this being an enforcement officer for it.

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  • 2 weeks later...

Just an update - there is no more news since the last letter.

 

Sent off my DPA request and awainting the preverbial to hit the fan! :?

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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I can HARDLY BELIEVE WHAT I HAVE JUST READ! (This whole thread).

This is such a horror story. I actually have an account with these faceless computers, too.

 

Not for much longer.............

.

.

.

.

.

.

Taming the Halifax!

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Any news yet Vamprya?

 

Did you manage to contact Benefits Agency for their interpretation of the rules?

 

I think the legislation relating to deductions from benefits may be

 

Social Security Administration Act 1992

Miscellaneous

Section 187: Certain benefits to be inalienable.................................

...................and every agreement to assign or charge such benefit shall be void.........

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I have had no news at all.

 

I feel they are not taking me seriously. And in fact, I had a basic account with them and before I got a new current account I was going to get my BT bill paid out of there. However, I forgot and BT tried pulling the bill twice and now NatWest have put £76 worth of charges on an account which has never been used and never had any money go out of it.

 

I know I should have remembered but £76????

 

Not a stitch of paperwork from NatWest though - it's nearly 2 months since I asked for the investigation to be started and I have now also asked for all my statements - before the letter was changed on here to list of charges, so will no doubt incur a £10 charge there and another 30 odd days of waiting.

 

I think it's appaulling that I am actually showing I'm deadly serious this time and nothing, nada, zilch! Wonder if they'll be so slow when I open the court case?

 

I'd wager £76 they wont be! :wink:

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Since you can't do much in the way of IC complaint until 40 days are up, I would suggest a quick letter to remind them the clock is ticking on your DPA request... Juuust a gentle nudge, you know :wink:

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Got a stock standard letter today

 

http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=971

 

my posting shows a slight difference in the letter I got to the other persons one.

 

Apparently my Data Protection request has to be filled in on a form and the 40 days do no start til I have paid the £10 and been identified as being me. This is what their form says.

 

They appear to be trying to play the delaying game somewhat. :roll:

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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This seems to be a pathetic delaying tactic.

If you made a DPA Subject Access Request by letter and enclosed the correct fee, the 40 days limit commences on their receipt of your request

 

I suggest you telephone the Information Commissioner's helpline now

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Got a stock standard letter today

 

http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=971

 

my posting shows a slight difference in the letter I got to the other persons one.

 

Apparently my Data Protection request has to be filled in on a form and the 40 days do no start til I have paid the £10 and been identified as being me. This is what their form says.

 

They appear to be trying to play the delaying game somewhat. :roll:

Read the DPA rules which are linked in the library. The you can decide for yourself who is right.

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OK well I didn't send off £10 - don't shout - but would it be more effective if I took this form with a covering letter explaining exactly what I want to the branch so I can pay my £10 and be identified immediately?

 

And if so should I also send a copy of the letter to Stuart Higley and to

 

Mr Alex Lyons

Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

GOGARBUREN

P.O.Box 1000

EDINBURGH EH12 1HQ

 

????

 

I dont want to give them any room for more stalling so your thoughts are greatfully recieved.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Hold on a chuffing moment - £10 is all they can charge for DPA isn't it? :evil:

 

Hmmm....£10 with form and covering letter to all three places I think. Can't hurt can it? :twisted:

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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  • 4 months later...

Just read this thread, and its stopped as per the one above? Does any1 have any idea whether this guy and his mother won there money back? know it was march but only been member short while and lots of threads to get through. Hopefully he got verything he and his mam were entitled to....

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Just read this thread, and its stopped as per the one above? Does any1 have any idea whether this guy and his mother won there money back? know it was march but only been member short while and lots of threads to get through. Hopefully he got verything he and his mam were entitled to....

 

i hope so too - however the banks stalling tactics do have a detrimental effect on peoples confidence and also some banks confidentially clauses etc have been quite intimidating. The OP and her mother were in a vunerable position and I have no doubt that the bank exploited it, I just hope that they were not penalised too much for their vulnerability.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Guest NATTIE

I have quickly skimmed through the thread and I do think that I may know a few reasons as to the initial problem-NW changed computer system in Oct 2002 from the old NWPLC to RGS Group system. There were a number of problems when the new system went live and some people did disappear briefly from the new system, the transfer of data caused problems, possibly the overdraft. The second point I would make is that I have to concede that I think NW acted harsh in relation to the benefits and it is a pity someone did not at least try to be more helpful. It is the case that any persons disability cannot be noted on computer records because of the Disability Discrimination Act.

I don't think the bank exploited them,a banks computer system does not allow for gender age etc ect when the automated system of returning DD/SO and CHQs. I do hope saying this, that she won her case.

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I don't think the bank exploited them,a banks computer system does not allow for gender age etc ect when the automated system of returning DD/SO and CHQs. I do hope saying this, that she won her case.

 

But she was held on waiting for a supervisor - surely some form of manual intervention could have taken place even if it was only a temporary increase in overdraft limit?

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 12 years later...

This topic was closed on 03/05/19.

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 their.

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

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Please note that this topic has not had any new posts for the last 5206 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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