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    • I think that's a step in the right direction, surrey.   HB
    • I'm pleased that you got through to at least one correct email address.   Hopefully if the branch have been in touch it's good news and fingers crossed that the complaints team get in touch early next week. You're right to keep a note of your expenses, I would claim all those too.   HB
    • It was from debbie.crosbie@tsb.co.uk, so thx to you for the idea HB, a reply within 24hrs from that address. It'll be Tuesday at the earliest now I think, also the Branch called Yesterday to request proof of ownership for a further 4 transactions made since the disputed transaction. I have the info to prove, but it's a massive headache trawling back through trading history to locate, print out, & notate these so they can make sense of them.    All the time & materials I'm spending doing this are being noted, & form a compensation claim for loss of earnings, as part of the complaint, & I will make the exec complaints team fully aware that I expect to be recompensed for this. 
    • The company did finally respond and the subby fixed the hot water system, which turned out to be a fault with my immersion heater that was only six months old. The installer of the immersion claims he has lost his license, so I am screwed again. Consumer protecting in the UK is a joke. The website that supported this rogue trader is investigating. We still expect the Solar Panel company to deliberately go bust to invalidate warranties,, unless the FIT grant is restarted in some form.
  • Our picks

    • 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.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
manolo

I am going to court on thur (6th July), help!

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thanks, I know that I may not get to the court stage but if I end up anywhere close like Manolo I will sleep better if I have the evidence ready.

 

caz

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Manolos case was a little different,in general 99% of the cases are sorted no probs.

Not 1 bank have yet been to court and won.

 

If you do get to the stage where you need help,then its on here.

 

I am glad you want to have an understanding of the principles of fighting for the charges together with the legalities.

Well I am sure you will find everything you need to know on the site.


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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Manolo... where are you? What's the latest? Did Robert get back to you?


Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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hi manolo,just started reading your thread,I too am from Aberdeen and have had a small claim before - had Mc Lennan - what a pompous prat - the secret is to appear grateful for their time which feeds their oversized ego's.I will be issuing small claims action against halifax in next couple of days too.

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Hi Manolo,

 

I am at the exact stage as you. I appeared at Perth sheriff court on the 28th of July against Nationwide Building society claiming for £1,250 + interest and fees.

 

I thought I was the only one who was unluckly enough to have to appear in court and defend themselves!

 

The judge gave us 3 weeks to settle, failing that we are to appear again on the 18th August. I like you am getting a tad nervous!

 

When is it you are to appear for the 2nd hearing?

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Have we heard the last of this case. Are you still with us, Manolo?

 

How are things now? I'm very interested to find out as I had been following your progress.


Bank of Scotland

Letter asking for Statements - 24 Apr 06

Recieve Some Statements - 29 June 06 (rest recd. on 18th Jul)

Planning claim - 30 June 06

Preliminery Letter Sent 3rd July 06 - claiming £4143 (recorded delivery)

Standard letter recieved - no offer - 13 July 06

LBA sent 18 July 06 (signed for on 19th)

Recd. phone call 21st July 06, offered £210 then £600. Refused.

Moneyclaim Online submitted for £4398 (11th Aug 06)

Letter rec.d informing of full reimbursement within 5 days (23 Aug 06)

 

MBNA Credit Card

Planning claim - 2 Jul 06

Letter asking for statements sent 3 July 06 (recorded delivery)Preliminery letter sent recorded 8th Aug 06

Sent LBA 22 Aug 06

 

Applied for RBS parachute account - 3 July 06

More details needed, posted current statemets - 12 July 06

Account open - 14 july 06

 

 

 

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Hi

 

Me too- and all other Scottish claimants

 

M

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Bump

 

to see if there is any news :)


BOS - PAID IN FULL

Barclaycard - NEXT!!!

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bump bump. Any news on this? Is Manolo still around? Looks like I'm being defended against in Aberdeen too. I'll be calling court again on Monday.


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 think Manolo must have left us...


Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Royal Bank of Scotland have sent me a letter stating that they can't trace my accounts with them (closed a few years ago). I have supplied the account numbers, but where do I go from here?

 

Would appreciate any advice

 

Thanks

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where is manolo?? i just spent ages reading this and was really excited to see the outcome..only for it to end here!!


** BOS claim 1 filed 5th Feb - awaiting outcome**

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I've just PM'd her.


Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Hi guys, I am so sorry I have not been around in ages. I have not been well and had to move back to my parents for a while, to be looked after, boo. So had no internet access. I am better now and back online. yay!! My claim has been carrying on too.

The second hearing was supposed to be for the 1st of September, but I was not well enough, to travel up to Aberdeen (my parents live in Edinburgh) so they continued it and made the hearing date the 28th September. I then got a letter from Abbeys lawyers saying that I had not handed in proof of these Terms and Conditions I talk of ( complete lie i sent them signe for to Abbeys lawyers and to the court) and they were dissapointed but understood why I could not make the hearing on the 1st September, and to get it all over and done with they are now willing to offer me a settlement of £200.

Then I got a letter from the in court advisior I had been in contact with saying that the Abbey lawyers had still turned up and were willing to pay back the charges. So I sent them a very nice letter in reply to there £200 offer and said, that I was going to keep going for the full amount. I then wrote to the court to say that were were in settlement negtiations and that the court date of 28th september would need to be continued again, as I was awaiting a reply from Abbeys lawyers.

Two weeks later I got a letter saying that DLA Piper were not handling this case anymore and that it was now Ashurst (strange) dealing withi it. I again could not manage the hearing date as I was not well enough. (grrr) and the court date passed and I still had not heard anything back off them. Then last week I got a letter from the Abbey itself, saying that they had decided in this instance to pay the claim in full including the court fee, and that a cheque would be going into my account. Yippeee!!!!!!!!!!! However they have forgotten to pay the intrest, so it means another letter.

So my battle with Abbey is over, for now. I have a second claim to make. But this one will be a lot quicker I hope. I really wish I had been well enough to go to the court dates. I had everything prepared. Maybe next time.

Thank you to everyone wo has been following this link, even though I have not been able to make it on here. Good luck everyone.

 

Kerry x


ABBEY Total £1277 First Claim £687 hearing date 6/7/06

BOS Total £1069

RBS 3/7/06 Statments arrived

NW Waiting on Statements Data Protection Act UP!!

SENT NON-COMP 28/6/06 sent letter to Data

Protection Act manager

 

Total £2286

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Well done! Glad you got there in the end! :D


Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Thanks for keeping us posted and I hope you are feeling better now. Well done! :)


Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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The cheque was finally put into my account today!!! Yay. Apparently they have a big work load on at the moment! lol. Good luck everyone else. And thank you to everyone who has been so kind and helpfull to me. Onto claim 2! Kerry x


ABBEY Total £1277 First Claim £687 hearing date 6/7/06

BOS Total £1069

RBS 3/7/06 Statments arrived

NW Waiting on Statements Data Protection Act UP!!

SENT NON-COMP 28/6/06 sent letter to Data

Protection Act manager

 

Total £2286

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This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


ABBEY Total £1277 First Claim £687 hearing date 6/7/06

BOS Total £1069

RBS 3/7/06 Statments arrived

NW Waiting on Statements Data Protection Act UP!!

SENT NON-COMP 28/6/06 sent letter to Data

Protection Act manager

 

Total £2286

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