Jump to content


  • Tweets

  • Posts

    • Small boat crossing numbers in last 7 days much more than the planned number to be sent to Rwanda. Small boat arrivals – last 7 days - GOV.UK WWW.GOV.UK These migrants obviously believe that being sent to Rwanda is not a consideration when they are aware of other migrants having died making the English channel crossing. If Rwanda was going to receive thousands of migrants, then it probably would be a deterrent to some. But the threat of sending 300 migrants to Rwanda is just not going to make any difference.
    • Last June, 3.4m members received a £100 payment from the building society. Now they will be wondering whether the offer will be replicated this year.View the full article
    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Credit card, current account and loan charges?


antarctica
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1897 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

Please don't jump down my throat as I have read the FAQ's and can't see it anywhere but

 

Is there anyway you can claim back all the £1.50 ATM handling charges for taking your own cash out?

 

Thanks and sorry for all the queries.

 

A

Link to post
Share on other sites

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

No. ATM charges are not penalties.

Link to post
Share on other sites

Yes they are - but so are strawberries at Wimbledon and you can't get those back either.

Link to post
Share on other sites

Yes they are - but so are strawberries at Wimbledon and you can't get those back either.

 

LMAO :lol:

 

£1.50 is good i remember when it was silly charges like £5 for some banks and they had to stop that!

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

Link to post
Share on other sites

Yes they are - but so are strawberries at Wimbledon and you can't get those back either.

 

LMAO :lol:

 

£1.50 is good i remember when it was silly charges like £5 for some banks and they had to stop that!

 

at least you're getting something for your cash when you buy the strawberries. :wink:

Link to post
Share on other sites

Hello again

 

I have been looking at the Letter before action in the library. Just one bit I am not sure about "I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX "

 

I know how much they have taken but I have no idea what they have charged me in interest on top of it. I thought I was only claiming for the amount taken plus 8%apr?

 

A

Link to post
Share on other sites

The 8% is only if and when you start court proceedings, not when you first ask for refund from the bank.

 

The first part is a tricky one, as some people feel they should reclaim both the charges and the interest they were charged on those charges, or/and the higher rate of unauthorised borrowing.

Some feel that as long as they get the charges back, it's quite sufficient, and is the end amount really worth trying to work it out? As usual, it's really a judgement call.

Link to post
Share on other sites

Good stuff.

 

Let us know how you get on.

 

certainly will. :twisted:

 

ready to take the b*ggers to court if they don't cough up after the 14 days.

 

total shame i was stupid enough to pay £5 a month for a stupid overdraft service all those years ago - the bank statements make depressing reading. oh well, you live and learn.

Link to post
Share on other sites

But if you go to court - remember that this is a serious step and you will need to be prepared to prove your case on the balance of probabilities.

Link to post
Share on other sites

Standard response

 

"Date: Thu, 9 Mar 2006 16:02:46 -0000

 

Dear XXXXXXXXXX

 

Thank you for your e-mail dated 7 March 2006. I am sorry to hear that you have not been happy with my response to date.

 

Unfortunately there is little I am able to add to my letter dated 9 February 2006 and I am only able to refer you back to the terms and conditions of your account, although I do respect your opinion about our charges.

 

In the circumstances I must advise that this letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. You can contact them at The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800. Website: http://www.financial-ombudsman.org.uk

 

Yours sincerely

 

 

 

David Just

 

Assistant Manager "

 

Action will follow!

Link to post
Share on other sites

I think that it is time for a letter before action - 14 days

Then the Good News.

Link to post
Share on other sites

hang on their email was in response to this letter from the library, did i send the wrong one?

 

"[your address]

 

 

 

[their address]

 

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by he taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

 

 

 

 

Yours faithfully,

 

 

 

 

 

[name]"

Link to post
Share on other sites

OK

you sent the LBA

 

Now send the Good News - if you are satisfied that you are prepared to go to court

Link to post
Share on other sites

OK

you sent the LBA

 

Now send the Good News - if you are satisfied that you are prepared to go to court

 

Thanks, was worried I had sent the wrong one for a minute!

 

When you say "the good news" do you mean start proceedings on money claim after 14 days.

 

Sorry to ask but the Library section confuses me a bit as there are so many letters in it.

 

A

Link to post
Share on other sites

Yes, the court claim form

Link to post
Share on other sites

  • 7 months later...
  • 4 months later...

Last year I didn't follow up on this so i started it all over again this year. They didn't even respond to my letter asking for my charges back and I started moneyclaim proceedings against Lloyds Credit Card and Lloyds Current account on 13th March.

 

They have til 1st April to respond online.

 

Will keep this thread updated.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1897 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...