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    • It is the speeding matter which will cause you the most trouble.   If you have been "flashed" a Notice of Intended Prosecution (NIP) and a request for you to provide driver's details will be sent to your old address. If you fail to respond to the request  you will be prosecuted for failure to do so. A conviction for that offence carries a hefty fine, six points and an endorsement code that will see your insurance costs go through the roof for the next five years.   You need to either get access to the post at your old address or contact the police in the area you believe you were flashed. How long ago do you believe you were flashed? 
    • Fair enough. I've got everything here, belt and braces  so I'll send the lot in.   Thanks again.
    • What this could be is someone living in your area, wanted to get an online quote, without giving their true name and address. This is so they get an idea of the premium, without the Insurers holding onto their details.   There are also market research companies and Insurers rating analysts that apply for quotes, based on made up names/addresses. An Insurance company I worked would receive dozens of returned post on a daily basis, where we found that quotes had been obtained using false details. On the envelopes it would be noted, that Mr G Raffe or Mr M Mouse has never lived at the address.
    • Shame but thanks Andyorch and everyone for the advise.. appreciated muchly..   Hadituptohere 
    • thanks dx, yeah it's good to know the hopes and good to prepare for the worst.   I will update here once something comes through. thanks again for all your help:)
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Benefits & Charges

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Hi...I am on benefits (Incapacity Benefit/Long Term Sick) and NatWest have been taking bank charges off me for times I have gone overdrawn or had a direct debit returned.


All this week I have been looking up this subject due to the fact that at the beggining of the week they took £250 in charges from my £398 Incapacity Benefit...leaving me with very little to live on for the rest of the month (I have three weeks to go before my next payment)


I contacted Financial Service Ombudsman who will send the bank a letter on my behalf but this will take up to eight weeks and doesn't help me right now!


I found the information about the Social Security Administration Act 1992 stating banks cannot take charges from benefits but I need to know if this refers to the whole of the UK or just Scotland, also a direct link to this information (full legal jargon) would be appreciated.


Also after speaking to someone at my local CAB they seem to think the banks are in the right to take charges out of benefits as there is no exemption...so I am more confused then ever. I will point out I am in South Wales, UK as sometimes laws are different.


I did go into the bank and speak to a representative, the meeting went well. I put my points across stating I was on benefits & in financial hardship and that the taking of charges can induce a knock on effect of which I would never be able to recover...hence putting me into more debt & then the bank would still not get their money, ie if I don't have it they can't have it (in not so many words). My letter is to be passed up to their head offices in Edinbourough and hopefully I should hear back from them in 4-8 weeks time. The person who helped me also said they will look into trying to get one of the charges refunded (I am personally hoping for the £114 one but I bet it will be the £38 they refund instead).


So at the moment I am twiddling my thumbs wondering what I should do now...I have borrowed money from a relative, which I will have to pay back but even then I don't know if it is enough and am dreading going into the red again and incurring more charges!


Should I get in touch with the DWP and tell them? I don't want to take more money of the state as I feel what I get is enough for someone in my situation (luckily I don't have a massive family to feed, I still have bills/direct debits but I don't smoke, drink or go out so I should be financially secure - it is only when I go overdrawn for a day or so that the trouble starts)


Anyway, I was just wondering if anyone else has been in my situation and what they did about it...also was interested if anyone got their money back from NatWest...


All the best for now,


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Hi Crystal.


Im really sorry to hear about your circumstances.

I have a brother in a similar situation and it breaks my heart that these nobs can ruin so many peoples lives.


I wont claim for one second to know what im talking about here, but i have found this and hope it helps.

If not, please try to be patient as im sure somebody much more knowladgeable than me will be along soon, if not i will go banging on a few doors.



Please keep us informed as to how things are going.

I will watch with interest.

Good Luck.






I Wish you everything you wish yourself.





NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.






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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


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The Social Security Adminstration Act applies also in England and Wales. However, it has no relevance to bank charges. The charges referred to under s.187 relates to a legal charge in the sense of attachment eg in the way how a legal charge is placed on property to secure debts. A bank charge is not a charge in this legal sense. The word charge is simply another name for a fee.



S.187 has greater relevance in Scotland because creditors can apply for a bank arrestment which places a legal charge on the whole contents of the bank account. Therefore s.187 can be used to prevent the arrestment affecting any money which derives from benefits. Bank arrestments do not exist in England and Wales.


You are probably better off going the Ombudsman route rather then through the courts as this will resolve things quicker, although, unfortunately unless your bank is exceptionally sympathetic there is no quick resolution method.


Best wishes


Zoot :)

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Have you sent an SAR to get details of all charges taken? Then you can begin the process of reclaiming the charges if you haven't already done so. If you've already got a record of the charges then you don't necessarily need to do SAR. In the meantime, would it be possible to open another account, have your benefits paid into there, pay your direct debits etc out of it etc. Yes this might leave a debt with Natwest but you could then negotiate an arrangement to pay so much per month to clear any debt. And possibly ask them for an overdraft facility to cover the charges, then at least you won't get charged £28 a month for going overdrawn on top of everything else. If you do this you would have to be strong and not use the o/d facility for anything else (easier said than done I know). Just my own thoughts, its what I've done in the past and it worked for me.

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