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    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
  • Our picks

    • 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
      • 31 replies

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Hello!

 

I've been a member for a month or so and found it superbly helpful and informative.

Here's what has happened to me so far:

 

*I sent the initial letter requesting statements - I received a letter back saying "they are on their way" and we would not need to charge £10 - funnily enough, the £10 wasn't refunded in my account!

 

*The statements arrived - 6 years worth - TWICE!! The postman was sweating like mad...!

 

*After wading through them, i've amassed a whopping £2,412.50 in charges plus £216.61 debit interest in a 6 year period. I've totalled up monthly charges levied (which in the first 2 yrs was at least £27.50 a month aside from the individual charges...) and have included Unpaid item charges, Recall SO-DD charges, Card misuse charges and Unpaid bill payment charges.

 

*I completed the spreadsheet and templated letter and sent it off.

 

*This morning, a letter came back from David Johnson in Customer Services, not agreeing with the request for repayment, pointing me to clauses 7.11-7.18 of HSBC's standard T & C's in respect of unauthorised overdrafts. It goes on to say that the fees payable are set out in the published list price and the bank has to consider whether or not to pay the item. The letter then says, if my claim for a refund proceeded to court, they "therefore believe they would successfully resist any legal challenge in relation to the fees."

Underneath that, they say they are prepared to review any charges that I believe were incorrectly applied under their T & C's if I specified them.

 

My question to the forum is:

 

Would it be reasonable to ask for all the charges to be refunded OR just any amount over £10 - ie...what would be considered reasonable following the OFT report? If that is the case, it would be £870 in charges they would refund, if I was to pay £10 for every item listed.

 

Any help would be appreciated.

 

THANKS!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Hiya - good luck with your claim - I don't think (but I am no expert) you need to deduct 10. 00 frpm each charge. I haven't and ive not been corrected by anybody yet - claom for the full amount - thats what I have done - good luck.

 

Sarah

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Hi Sarah,

 

Thanks a lot for that - if nobody suggests different, then that's what I shall do!

cheers,

 

Les.

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Just to add...the bank must be in a tizz...their letter to me is dated 27th May 2006!! The LBA will be sent recorded delivery tomorrow!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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The OFT didn't suggest that £10 would be a fair or reasonable charge.

 

And as the banks won't tell us what their actual costs are, we can't claim the difference, so go for the full amount.

 

Good luck!

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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the oft report said that, anything over £12 will be investigated further, however they made no admission that the £12 charge was fair or indeed reasonable

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Thanks for that - it all makes the banks argument as clear as mud eh?!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Just had a thought after reading a couple of other profiles.

 

I'm aware that the Bank (if they agree to pay up...!) may close my current account - no probs as i'm with someone else now. I've already closed my Savings Account (that was a joke lol) but still have a Mastercard.

 

Has anyone had HSBC pull their credit card account on them too?

 

:confused:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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no i dont think so, just current accounts have been closed, afaik

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 2 weeks later...

I received a letter this morning from Colin Langdale offering me £1,950, along with the lineage of "...fees are clearly set in our published price list and personal banking terms blah blah...If your claim proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees." The it goes on to say....

 

..."HSBC is, however, mindful of the management time and irrecoverable legal costs that it may incur in relation to such a claim. For this commercial reason alone, and without any admission of liability whatsoever, HSBC is prepared to make a payment to you for the sum of £1,950.00, representing the charges applied in full and final settlement of this matter."

 

It then asks me to sign and return one of 2 copies accepting the payment within 10 working days etc.

 

Firstly, i'm not accepting it and I intend to take them to court, but a couple of questions:

 

1. Can I input my MCOL now, bearing in mind, I posted the letter to them on the 7th and they received it on the 10th (just thinking about the 14 days...)?

 

2. Any thoughts on the correct wording to reply - ie..."I will accept this as part payment of the full amount blah blah...?

 

cheers!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Hello,

 

Can anyone help with my question above about the 14 day time frame forbefore submitting the MCOL?

 

ALSO...looking in FAQs, there's only limited info as to what to put in the wording on the MCOL - can anybody guide me please?

 

Ta :wink:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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14 days from the 7th is the 21st which was Friday, so yes you can submit the claim!

 

There is a guide to completing Moneyclaim in the templates section but it is a guide, not a template so use that and adapt it to suit your needs.

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 that! MCOL done now - wish me luck!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Hi people!

 

Quick update...got a letter today that was pp'd from Colin Langdale, following my request for the full amount of 2629.11 rather than the 1950.00 they were offering.

 

The letter says the usual bank waffle about "the bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable..." then more waffle about T'c and C's I agreed to.

 

The final bit says "...whilst I accept that this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank's position.." (terrible grammar!!) NOPE!!

 

"If you are not satisfield, refer to the Financial Ombudsman Service...blah blah...this represents our final response on this matter."

 

MCOL sorted already and let's see them in Court - i'm more than ready for the fight!

 

Grrrrrr - they make me so angry with their arrogance!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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they are hoping most will say ok the bank must be right and back off

THEY ARE SO VERY WRONG

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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I've also just seen the Working Lunch programme on BBC 2 on bank charges - WHAT A CRACKER!! Hooray for justice...! That lawyer from Which deserves a medal!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites
Hi people!

 

Quick update...got a letter today that was pp'd from Colin Langdale, following my request for the full amount of 2629.11 rather than the 1950.00 they were offering.

 

The letter says the usual bank waffle about "the bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable..." then more waffle about T'c and C's I agreed to.

 

The final bit says "...whilst I accept that this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank's position.." (terrible grammar!!) NOPE!!

 

"If you are not satisfield, refer to the Financial Ombudsman Service...blah blah...this represents our final response on this matter."

 

MCOL sorted already and let's see them in Court - i'm more than ready for the fight!

 

Grrrrrr - they make me so angry with their arrogance!

 

 

HI Les,

 

I'm in the same situation as yorself. Same sort of figures !!!

 

Just counting the days for court action. Quite annoying really, as they'd already made me an offer.

 

So i guess the 8% is now added at this stage as the courts are involved?

 

Not sure about yourself but, i ain't looking forward to this:???: :???:

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when was it on les

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Hi Angela,

 

Click on the link and go and see todays programme - you can skip to about a third of the way through - the piece is after all the Shares rundown.

 

BBC - BBC TWO - Working Lunch

 

:)

 

MEMORYMAN - stay strong!! We're British and people think we're pussycats because we're liberal and hate the confontational aspect of life. Perhaps that's why we're bloody pushovers!! No more eh!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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omg thats amazing might be worth putting in its own thread i think alot of people would like to see that as this fight can be v downhartening just to show them they r right to fight

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Share on other sites

There is a subject thread dedicated to press coverage Angela

 

http://www.consumeractiongroup.co.uk/forum/bank-charges-print/19146-bbc-working-lunch.html

 

Hopefully it will get looked at - gives you bags of confidence to move forward.

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Evening!

 

Just checked MCOL and defence is going in - is this a normal thing then?

 

If not, i'll just buy a new suit and brush up on the facts lol! ;)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

dont worry you will prob receive a letter from the court on monday saying the bank have filed a defence, followed by another on tuesday from the solicitors offering full settlement, nearly there

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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A letter arrived today asking me to provide a breakdown of the charges.

Done and sent recorded delivery (to make sure!) ;-)

 

See what happens now eh?

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

from what ive read you will get an full refund next well done nearly there

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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