Jump to content


  • Tweets

  • Posts

    • Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on   I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Contesting Unpaid Charges?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6011 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

Hi all,

 

My current position with the bank is as follows:

 

I am currently owing on an overdraft, which includes penalties. Last year, when I was also overdrawn at the time, I paid what I owed, including charges.

 

What I need to know is how to go about claiming the charges from last year, together with contesting the current, outstanding charges. Would I be best treating these as separate cases?

 

Any help would be appreciated because the bank looks like they are getting ready to send me a CC letter.

 

Cheers

Link to post
Share on other sites

Hi Muzo and welcome to CAG. What you need to do first is read the following thread:-

 

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=84&a=3

 

this should give you the basics.

 

You can lump last years charges and current charges together as this will be below the six limit.

 

shout if you need any further assistance.

 

which bank are you with?

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

Hi Jo,

 

Had a look, cheers, but couldn't find anything I needed.

 

All I need to know is how to go about contesting charges that I have not yet paid as well as claiming back charges I have paid. Is it possible to sort this out in one letter/claim or would it be best to treat them as two separate court cases.

 

It just seems a bit confusing, suing for money I have paid and not paid in one letter - if you get my drift.

 

Cheers

Link to post
Share on other sites

Not really a problem - if they show your account as owing and then give you the charges, they will simply credit them to your account, ergo wiping off the debt.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

Thanks, Tiglet.

 

So, basically, I'm claiming all the charges back, even if I haven't paid some of them in the first place?

 

By the way, Jo, I am with the bank that likes to give you that little bit 'X' tra. ;)

 

Cheers

Link to post
Share on other sites

If Halifax have not taken the charges, then I don't think that you can put in a claim for something that has not been taken as yet. Have yopu tried asking Halifax to not take the charges?

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

To clarify Muzo - have these charges been taken - perhaps putting you overdrawn etc?

 

If not, you would need to wait until they'd been taken, as jowalshy says.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

I am not up to speed with the Halifax, but here is the link to their forum:-

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

I haven't at the moment, Jo. I can imagine they will probably tell me to go and take a running one and this is the problem, how to deal with this and the claim for the charges I have already paid.

Link to post
Share on other sites

I haven't at the moment, Jo. I can imagine they will probably tell me to go and take a running one and this is the problem, how to deal with this and the claim for the charges I have already paid.

 

They probably will I'm afraid, but I don't see any harm in trying as long as it was a genuine mistake on your behalf.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

Tiglet,

 

If you mean taken, as in paid by myself, then no.

 

I went into the 'unauthorised' overdraft band and they imposed monthly charges on it which are still outstanding.

Link to post
Share on other sites

In which case, you can reclaim them and they will recredit to reduce your debt if you are successful.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

Thanks, everyone, I will keep you posted.

 

I need to calculate what monthly interest rate they used on my account when the previous years, unpaid, charges were still outstanding. Are there any such calculators on this site?

 

Cheers

Link to post
Share on other sites

I think that you may need to ask someone that question in the Halifax forum. Here is the link:-

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

 

I know there are spreadsheet to help you calculate that amount of interest, but not one that tells you the rate that has been applied. I will try and get a MOD to move this thread to the Halifax forum for you. Don't panic it will be easy to find again, all you need to do is click on your username and then "find all threads" button

 

 

Can a MOD pleeeeease do a magic shift to this thread to the Halifax forum?

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

Hi Muzo,

 

Here is link to the site's spreadsheets - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

I'll get thread moved for you asap.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thread moved

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

hi muzo

the first thing you need to do is send of your s.a.r for your

statements so you can see what charges have been applied to your account send this with a 10.00 cheque or postal order recorded delivery so you have proof of postage to this address

Halifax plc

Trinity Road

Halifax

HX1 2RG

Data Protection Act, Subject Access Request letter - List of charges

Link to post
Share on other sites

I was wondering what happened to this thread, lol.

 

Anyway, thanks all.

 

I already have a copy of my statements, sent free of charge! Yep, you read it right! Perhaps they are going soft on us after all.

 

I will check out the spreadsheets.

 

Cheers

Link to post
Share on other sites

Any worries, just shout. There is always some one around this forum ready to help. :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...