Jump to content


Banks and the Postal Strike


Conniff
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5093 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have just heard on the radio that the banks have said that late delivery of cc statements will not be accepted as an excuse for late payment.

They say that late delivery is not their fault and that any late payer will be 'fined' £12 and may incure interest.

 

They are so caring and money grabbing.

Link to post
Share on other sites

yep, it surely is, but I have to say that this isnt a problem of their making and everyone has the capability of viewing their statement online and also making payment, anyone with a pc can do this, so they really dont have an excuse do they, and for people without a pc, they can ring up and get the balance and the min amount payable and also pay it over the phone

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

I personally would go into my local branch and ask to use their 'phone for free. :rolleyes:

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

Link to post
Share on other sites

What might be the situation if you have LBA'd someone to pay up in 14 days and you can't be sure if they might have a payment in the post. Do you go ahead with mcol on day 14, or would that appear to be unreasonable?

 

I'm balancing that against sending the wrong signals if you don't stick to your own timetable for action and begin to look an easy target.

Link to post
Share on other sites

Well "analyst"...... not your problem that there is a postal strike on!

 

If they want to hide behind the comment that Conniff said in the first post then it's the same the other way round. Stick to your timetables!! :D

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

Link to post
Share on other sites

Well I know this goes against usual advice but what about ringing them? you should be able to tell from that if there has been any movement.

 

Also if it is a claim against a bank then they can pay the money into your account usually (unless its closed of course!

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

Link to post
Share on other sites

An offer can cross in the post at any time. Besides if they are making you an offer and do not know that you have filed at court they logically won't know about the 8% on top as well. So a part-payment letter could be adapted at some future time. I have decided myself to allow 21 days for any replies and have handed a prelim letter into my local branch this week. If you decide to do this don't forget to ask for a receipt - can't have them denying receiving any communication can we.

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

Link to post
Share on other sites

I don't think that people should use the postal strikes as an excuse for late payments. You can at least call them, go through their automated systems or look online to see when you're payment is due. It comes around the same time each month so there's really no excuse.

 

Having worked for a credit card company before, you hear all manner of Jackanory excuses to try and get out of charges, not receiving your statement isn't one that'll get you a no questions asked refund.

 

I know the charges lawfullness is in question, but there's times when the consumer is to blame a lot of the time and should pay the fee.

Link to post
Share on other sites

I think you are contradicting yourself there.. If the fees are unlawful why should they not be claimed back? There must be many reasons why people don't pay on time but saying they should pay because of a lame excuse is not the point IMHO.

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

Link to post
Share on other sites

I think you are contradicting yourself there.. If the fees are unlawful why should they not be claimed back? There must be many reasons why people don't pay on time but saying they should pay because of a lame excuse is not the point IMHO.

 

We are discussing credit card fees which have already been investigated and reduced by the OFT, so the lawfullness of them should no longer bear any factor over them, do you not agree?

Link to post
Share on other sites

so the lawfullness of them should no longer bear any factor over them, do you not agree?

The OFT did not state that £12 is a lawful charge, nor did they state that consumers can not challenge the charge, neither do the OFT make legal rulings on the lawfulness of £12 as a charge. That is why people have successfully claimed £12 charges back (you may have missed that fact). So in answer to your question, no I do not agree with you.
  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...