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    • You cant get defaults removed dont get scammed.   they would have been registered by the original companies before or upon sale.
    • I'm disappointed it didn't go to court, a hearing would have been interesting if Priti Useless had been compelled to testify. But I understand that Sir Philip might not have wanted the stress and uncertainty of a hearing.
    • Well stuff and all they can do with only a restriction k  £13k thats one hell of a card debt..   wonder why rbs decided to sell it on ....should they have allowed you to have such a large balance? Were you well solvent at the time? Looks like you were not if you had to pay your mortgage with it for god knows how long to run up £13k..   smacks of possible irresponsible lending to me esp if your credit file was shot with all manner of default s and lots other debt/ lending .
    • Hi guys    First post so apologies if I've made any mistakes on posting location or if this information if held in a general file location.   I have been declined a Mortgage recently based on defaults on my credit file that I genuinely didn't know anything about (details below)    British Gas - Defaulted in July 2019 owing £1,871 and £992 (settled Oct 2019)  Cabot – Defaulted Sept 2017 owing £330 (settled July 2017) Lowell – Defaulted May 2018 owing £79 -  Bt Consumer – Defaulted Feb 2016 owing £34 - This one isn't even in my name!    I was looking to see if anyone has a process or maybe letter templates for challenging Defaults and ultimately getting them removed from credit file?   I have spoken to a credit repair company who are looking to charge me £250 per Default to have them removed, however I would prefer to try and challenge these myself however have no idea where to start.    Any help appreciated. Happy to make a donation to the running of the site too if anyone can assist.   Many Thanks   
    • Priti Patel reaches £340,000 settlement with ex-Home Office chief Philip Rutnam "Priti Patel has reached a six-figure settlement with a senior civil servant following claims that he was forced out of his job for intervening in her alleged bullying of fellow staff, it has emerged."   https://www.theguardian.com/politics/2021/mar/04/priti-patel-reaches-six-figure-settlement-with-ex-home-office-chief-philip-rutnam   Now Johnson needs to explain how and why he over turned the assessment on her breach of ministerial code https://news.sky.com/story/boris-johnson-rules-priti-patel-did-not-breach-ministerial-code-over-bullying-allegations-12136986
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

30 day notice to close current account


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Earlier this year I received a refund from the Co-op Bank in the sum of £1331.50 for bank charges over the last 6 years. I have had several charges refunded again this year, each time I write they refund without question. Now they have given me 30 days notice to close the account.

 

Of course I realise this is a typical bully boys response, but was wondering if anyone here had received the same threat.

 

Any advice on how to get the Co-op to back down on this?

 

Thanks guys and gals!

Banks, give them an inch and they will take a mile.

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I've had charges refunded on my smile account but then the account was closed without any intimation and passed on to debt collectors as there was an overdraft on it.

 

i've just received a letter from co-op regarding my current account and they have offered to refund the charges but i suspect that they will close my account again.

Co-Operative bank default removal - succesfull december 2007.

 

Capital One Bank default removal - succesfull february 2008.

 

Co-Operative bank Visa default removal- Claim filed March 2008

 

Smile default removal - ongoing

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Are they actually allowed to close accounts based on claiming cahrges back?!

 

I guess all the banks are going to do this now, eh?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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They're not supposed to, you can get an injunction in small claims court to stop them!:)

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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They're not supposed to, you can get an injunction in small claims court to stop them!:)

 

Do you have more details/info, not sure that a small claims court will issue an injunction against a bank.

 

All help gladly received!

Banks, give them an inch and they will take a mile.

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Yes, please tell us if you have any other information!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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