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    • https://www.bindmans.com/news/neale-v-dpp-the-right-to-silence-citizens-duties-and-coronavirus-regulations   Perhaps the OP should have said nothing - and risked arrest!   "Firstly, the case calls into question the logic behind aspects of the criminal justice response to the public health crisis created by the Coronavirus pandemic...   "Secondly, it is clear that some police officers have misunderstood and misstated their powers, and citizens’ obligations, under the Regulations and at common law...   "Thirdly, the case confirms reasonable excuses for being outside are not limited to those explicitly set out in the Regulations. Police officers considering whether there are reasonable grounds for believing that an offence has been committed under the Regulations so that an FPN may be issued, or the reasonable grounds for suspicion that are necessary for an arrest, should give proper consideration to any explanation given by members of the public (and what a court might think of them) rather than only recognising those exceptions explicitly listed in the Regulations and/or government guidance...   Fourthly, the case is an example of a failure of the CPS review into prosecutions brought under Coronavirus Regulations, which has found that alarming numbers of cases were wrongly charged..."   Above quotes from the Bindman's article, not the decision.  Case arose from the first lockdown and was in Wales.  Same now?  Also was about not being at home - not mask wearing.    
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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

Do you need a parachute account?


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Below is a list of basic bank accounts available for people who need a parachute account, but who may struggle to open a 'regular' current account.

 

The details are in alphabetical order so one bank is not recommended over another.

For ease of reference, the only two which offer debit cards are Co-op (Electron Card) and NatWest (Solo Card). However, I have also included a list of their charges which may sway people who aren't too fussed about a debit card. [Please note charges can change so please check with the bank]

 

 

Abbey

Basic Account

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £35

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

Alliance & Leicester

Basic Cash Account

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Direct debits only

Charge for unpaid direct debit: £34

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, some bad debts depending on individual circumstances.

 

 

Bank of Ireland

Basic Cash Account

(Only available in Northern Ireland and Eire)

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £38

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud, record of bad debts.

 

 

Bank of Scotland

Easycash

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £39

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

Barclays

Cash Card Account

 

Minimum age to open an account: 18

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Direct debits only

Charge for unpaid direct debit: £39

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Record of fraud.

 

 

Clydesdale

Cashmaster

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £35

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud, some bad debts.

 

Co-operative Bank

Cashminder

Minimum age to open an account: 18

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £19.50

Debit card (Solo or Electron): Yes

If any of the following apply to you, your application may be declined: Record of fraud.

 

 

First Trust Bank

Basic Bank Account

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: £10

Direct debits and standing orders: Direct debits only

Charge for unpaid direct debit: Under £35: £22.50; Over £35: £37.50

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud, record of bad debts.

 

 

Halifax

Easycash

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £39

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

HSBC

Basic Bank Account

 

Minimum age to open an account: 18

Minimum amount to open an account: None

Free buffer zone: £10

Direct debits and standing orders: Yes

Charge for unpaid direct debit: No

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

 

Lloyds TSB

Basic Bank Account

Minimum age to open an account: 18 (16-year-olds can open a similar account)

Minimum amount to open an account: None

Free buffer zone: £10

Direct debits and standing orders: Yes

Charge for unpaid direct debit: No

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

 

Nationwide Building Society

Flex Cash Card

 

Minimum age to open an account: 16

Minimum amount to open an account: £1

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £30

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: History of fraud.

 

 

Natwest

Step Account

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £38

Debit card (Solo or Electron): Yes

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

Northern Bank

Cashmaster - Basic

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £37.50

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarge bankrupt, record of fraud, record of bad debts.

 

 

The Royal Bank of Scotland

Key Account

 

Minimum age to open an account: 18

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £38

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarge bankrupt, record of fraud.

 

 

Ulster Bank

Basic Bank Account

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: Under £20: £35.00; Over £20: £37.50

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

 

Yorkshire Bank

Readycash

 

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £35

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischargedbankrupt, record of fraud, record of bad debts.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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LLoyds TSB 'When we are not able to pay cheques, direct debits or standing orders because there is not enough money in your account, we normally charge £35 for each item of £10 or more we have not paid."

BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest

1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest

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I was told by Natwest that one of their criteria for giving a business account is at least 6 months bank statements showing good management ie no overdrawns/bounced cheques and of course a lot of activity.

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I am looking at it as I need one myself again.

The government is investigating offshore accounts which I was looking into.

so looking again.

We can deffo rule out the high street big boys.

 

If there is a deafult at your address then thats also a hiccup as they will look at that too

 

not easy at all..............especially as these days you will no doubt need a point of sale card reader.........and thats a really big hurdle as they really do some big checks :o

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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whats a point of sale card reader?

 

oops sorry its retailers jargon speak.

 

its the machine/trminal that reads your credit/debit card.

 

In the old days they had a manual one where you rolled the top part over the lower part........these were great for fraudsters and dodgy traders.

There were a few Indian restaurants who used to do 2 sets for boozy customers and keep one for use if they didnt pay next time.........reason I know this is cause the owner of the 1 I use told me !!

 

Most business still have these for back up.........a word of warning....if ever you are asked for payment by anyone using one of these keep your eyes open at all times.Double swiping as it is known.......was a favourite trick for the less honest traders !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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oops sorry its retailers jargon speak.

 

its the machine/trminal that reads your credit/debit card.

 

In the old days they had a manual one where you rolled the top part over the lower part........these were great for fraudsters and dodgy traders.

There were a few Indian restaurants who used to do 2 sets for boozy customers and keep one for use if they didnt pay next time.........reason I know this is cause the owner of the 1 I use told me !!

 

Most business still have these for back up.........a word of warning....if ever you are asked for payment by anyone using one of these keep your eyes open at all times.Double swiping as it is known.......was a favourite trick for the less honest traders !!

 

Also NEVER EVER let lose sight of your card. When presented with your bill take it yourself to the cash point for card payment. Never do what many people do & let the waiter take your card to the cash point whilst you remain in deep conversation with your friends.

 

I even had one retailer attempt to take my card into the rear of their shop "cos that's where the reader is sir". I stopped them & demanded the return of my card. Left the shop empty handed but secure in the knowledge that I wasn't going to be ripped off by them

 

Forgot to mention if they drop down behind the counter, even for a moment, (they usually pretend to have dropped something) they are probaly putting your card through their own reader which will allow them to clone your card.

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remind me again what i was asking for i only needed an account for hubbys wages with debit card. youve totally baffled me with your comments

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I have no idea why this has turned into a random discussion about POS equipment either, but if you are looking for a parachute account for your hubby please see the first post in this thread.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks for the list of banks, I need now to get down to the nitty gritty !

I'm bad ( no I'm not singing )

My credit's bad

My address is bad

I'm fighting off bailifs

 

has anyone managed to open an account, when all the odds are against you ?

If so where please.

I need to go on Monday to get my income support and carers allowance sorted, before the b......s take even more off me !

cheers Freebird x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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if anyone's perusing the forums today, you advice would be appreciated, as I have to go open an account tomorrow so I can then instruct the DHSS to pay in my income support and carer's allowance/ plus my daughter's DLA in to new account.

Cheers, Freebird x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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if anyone's perusing the forums today, you advice would be appreciated, as I have to go open an account tomorrow so I can then instruct the DHSS to pay in my income support and carer's allowance/ plus my daughter's DLA in to new account.

Cheers, Freebird x

 

Have you not thought about a basic card account with the Post office?

Theirs was probably the first one that is specifically for benefit payments and people who unable to get a high street one.

You get a card you can use for withdrawing money.

maybe worth looking as its very quick to sort out.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Nationwide - when I was having problems they were quite helpful and the account was ok and could be used online if I remember. It was their FlexAccount. I had more than a few defaults on my "normal" account at the time.

 

Hope that helps.

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In answer to your first question this would obviously depend on your current credit score and whether you chose a card issuer that was in any way connected to the bank etc that your claim is with.

 

As far as the second question goes.......If you have been at your present address for 5 years or more thats usually ok.

Basic accounts are less demanding for criteria but the ID and proof of address criteria is the same for all banks.

This was toughened up by the government in their fight against anti-terror and money laundering groups/individuals.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Guest NATTIE

Martin3030- you're right. For NW a step account, you need proof of you(passport, Driving Licence) plus proof of address(utility bill) to open account

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Bank of Scotland

Easycash

Minimum age to open an account: 16

Minimum amount to open an account: None

Free buffer zone: No

Direct debits and standing orders: Yes

Charge for unpaid direct debit: £39

Debit card (Solo or Electron): No

If any of the following apply to you, your application may be declined: Undischarged bankrupt, record of fraud.

I have a Bank of Scotland Easycash account, and the card that came with it started off as a Solo card and then when they were phased out I was issued with an Electron Card...I did open the account some years ago, so maybe things have changed

Story so far...

 

BOS - Student account - preliminary request letter sent

 

Cahoot - Current account - list of charges totalling £420 recieved

Cahoot - Credit card - list of charges totalling £200

 

Mint - Request for list of charges made by telephone and letter.

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Opened a Nat West step account..applied for the form. Arrived last wednesday, off thursday....letter through the door today with new account details...Debit card to follow....I have a poor track record, but this was easy

GeordieBaz:cool:

 

Halifax DP Letter sent June06

Statements Rec'd 8/7/06

£3330 Charges ...Letter Sent 10/7/06

Reply on 20/7/06 offering £235.00 ermmmm no

LBA Going off 22/7/06...Offered £735...NO !!!!

MCOL Issued 8/8/06

Paid in full £3330 plus interest

Capital One DP Letter off 21/3/07 (Me)

Capital One DP Letter off 21/3/07 (Wife)

 

Monument DP Letter off 21/3/07 (Me)

Monument DP Letter off 21/3/07 (Wife)

 

Capital One ---- Paid in full

Capital One (2) --- paid in full

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ive opened a nat west account only one with an electron card so just awaiting cards coming now so ta for that.Should we close abbey account now or wait to see what theyll do.Mind you we have probably got more charges going out this month so not sure

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ive opened a nat west account only one with an electron card so just awaiting cards coming now so ta for that.Should we close abbey account now or wait to see what theyll do.Mind you we have probably got more charges going out this month so not sure

 

NO do not close the account if anyone is going to close it let it be the Bank shown to be doing it out of spite.

 

You may then have further grounds for complaint against the bank. Also it will be further evidence should you decide to sue for defamation.

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Have you not thought about a basic card account with the Post office?

Theirs was probably the first one that is specifically for benefit payments and people who unable to get a high street one.

You get a card you can use for withdrawing money.

maybe worth looking as its very quick to sort out.

 

 

A word of caution. If anyone is considering opening a Post Office basic card account for benefit payments, I would treat it as a short term measure only. It would appear that the DWP are going to be withdrawing from this soon.

 

EDMDetails

 

Sproggi

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