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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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what cheers you up.


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Ok we have the irritating one going strong but to balance it out there must be lots of things that make us happy.

 

here are a few of mine.

 

Winning back nealy £14,000 in Bank Chargers from LTSB.

Holidays to far and distant places

Camping

my family and my home.

Having a car so i don't have to hang around in the cold waiting for public transport

My bed

stoggy cake and custard

christmas

mothers day being only next week

and most of all school holidays.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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To hear of someone carrying out some selfless task to benefit somebody else, rather than themselves.

 

To hear the wonderment in a young child's voice and to see their excitement at Christmas-time.....You know that all the preparation was worth-while.

 

After being put out to grass at the age of sixty, because of ill-health, being given full-time employment by one of the company's main competitors.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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What cheers you up.

 

Oh just the simple things in life.

 

Good food

Great sex

Family life

Nice drink

 

Oh and theres the really good bits, the bits that really matter.

 

Like this.

 

 

 

Tottenham 5-1 Arsenal

 

(Spurs win 6-2 on aggregate)

 

_44374274_spurswin_getty416.jpg

The 6-1 aggregate score books Tottenham's place in the final.

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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What cheers you up.

 

Oh just the simple things in life.

 

Good food

Great sex

Family life

Nice drink

 

Oh and theres the really good bits, the bits that really matter.

 

Like this

 

Tottenham 5-1 Arsenal

 

(Spurs win 6-2 on aggregate)

 

_44374274_spurswin_getty416.jpg

The 6-1 aggregate score books Tottenham's place in the final.

just 1 question .................................

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

whats sex ?

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Its here.

 

(Spurs win 6-2 on aggregate)

 

Sex 2 on aggregate.

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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CAG

 

There are so many friendly people here willing to help you out in all sorts of consumer problems.

 

CAG Bear Garden

 

Its nice to unwind with a little fun here.

[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

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I'm a simple person so in no particular order.

 

Opening a door for somebody, and having them utter the rarest of all words "Thank you"

Spending time with my wife

Spending quality time with family

Spending time with friends

Getting one over on ANY Financial Institution

Photography, and taking photos of far flung places

Visiting far flung places

Eating food from far flung places - Chinese and Thai for instance :D

Listening to good music

Driving in sunshine

Being appreciated

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Getting a hug from my 6" 19year old son

Getting a goofy toothy grin from my Lab (her version of smiling!)

The birdsong I can hear in the garden

The lighter evenings (I get sooo depressed in the winter)

Spotting yet another mistake by the DCAs:D

Husband slowly realising that I do know what I'm talking about when he gets his charges refunded!

The Bear Garden

Just being alive:p

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My lovely wife.

 

A Brandy and ice.

 

Another one . . .

 

. . . and another . . .

 

:D

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Remembering seeing my brother for the first time when he was less than 20 minutes old (and boy did he have a good pair of lungs!).

 

Seeing the look on people's faces when you have helped them out - little else that is more rewarding for me.

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thinking of my holiday in a couple of weeks time thanks to LTSB

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Tonight i am so cheered up that im even going to stop hounding the bailiffs for 24 hours.

 

_44448158_winners_pa416.jpg

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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Thinking about skydiving. Not that I ever get to do it! Belgian chocolates. Indian food. Being lecherous after a few bevvies. :) :) :) Playing football. Cross country running. Haven't done much of that for a while! Happiness cheers me up, am I being an oxymoron? A good kip. Waking up on the days when you don't have much to do. Music that suits my mood. Travelling. Thinking about the nice German Shepherd i'm getting in the next few months. Not having any debt! Not bearing grudges. Being at peace with myself. Having dignity and self-respect. Not caring what others think about me. Not having regrets.

 

This list is by no means exhaustive, but i'll leave it at that. Wait I forgot one! Feeding trolls till they're stuffed and can't go on more. You have to strip off and climb in the pit with them, but they are usually easy pickings. I know I shouldn't!

What sort of world do you want your kids to grow up in?

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Being woken up of a morning with breakfast and a big kiss of my O/H

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Sunshine

Seeing my family smile (very rare grumpy teenagers and even grumpier husband)

Things that actually go my way for a change

Being appreciated (not happened yet but I imagine it would be nice)

Manners

Spring flowers just coming up

:) :) :)

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Mr's Lex coming home from work !!!! :D

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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A very dear friend has just lent us a substantial amount (interest free) to get the VAT man off our backs - a very true friend who I couldn't speak to, because I was in tears of gratitude and had to leave it to OH to deal with. I said that I hope that someday in the future, I could also help someone the way she has.

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Thats great news, but dont tell the Vat Man who it is, he might charge them 17.5%.:p;)

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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A very dear friend has just lent us a substantial amount (interest free)...I said that I hope that someday in the future, I could also help someone the way she has.
Pick ME...Pick ME...Pick ME!!!...:razz:

I asked 1st peeps...the rest of U can gerroff!...:mad:

...:D

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