Jump to content


  • Tweets

  • Posts

    • Agree it is not a modification that needs to be disclosed to Insurers as changing the seats has not changed the risk.  
    • Frpm David Frost and Robert Jenrick: 'Conservatives must show we respect the votes in 2016 and 2019 and not give the Opposition the chance to undo the benefits of leaving the EU'   Sweep away the Brexit gloom – or Labour will unravel a huge gain ARCHIVE.PH archived 22 Apr 2024 05:47:50 UTC  
    • Please please help we were miss sold full fibre by EE July 22  Install couldn’t go ahead no equipment sent and no. Survey it was hell  foind out no full fibre in road so we had to go back to cooper no choice we involved. Ceo and they put in a man from customer resolution s  he was vile he told me I had to go to engineers  something very odd about the ex resolution s in bt basically they took my drive up said they Would put ducting in ready for full fibre we have got £ 40 for a hours upon hours phones stress and more told to go to ombudsman  then bill was £35 we called twice told it was that price as they had treated us appalling two weeks later all sky package gets pulled we call again our bill goes to 165 the next two weeks was hell trying to get yo bottom why it’s off our package it was all on in the end I spent a day on the phone  341 mins was the call anyway I got to the bottom it was this resolution man coveting up the other issue another deadlock  to cover it all up  they hide data  ee did so couldn’t get the miss sell in writing I have now only from sept  Basically now we tried getting full fibre and they have found my drive had to be taken up again which has sunk .  The engineer has placed the wrong ducting again under my drive and need s to be taken to again apparently and the pipe sticks up middle of the drive near gate not behind look so odd it’s a big as a drain pipe open to water and it’s below touching the electrical cables to hot tub . I was sent a letter from the ex resolution to say I had stopped the work  I haven’t  it’s so sadistic she covering up for her mate in that team as the orginal install he didn’t check it had been done correctly  I took to Twitter and posted on open reach they ignored me then after 3 calls of two weeks they sent a engineer bt ignored me ceo emails blocked tag on Twitter unanswered then we get someone from twitter send a engineer he written report to say it’s dangerous since we have  had a  letter to say our problem can not be resolved  then a email to say sorry we are leaving and we can’t get into our account Bt will not talk to us ofcom tells us nothing they can do Citzens advice said go to the police  we can’t go back to virgin due so mass issue with them only option is sky  but point is they make out we have canceled we haven’t we have this mess on our drive dangeous work we are in hell  it’s like she covering up for this collegue it’s all very odd I am disabled and they like played mentaly with me open reach say bt resolved the issue no they have not  I recon they have terminated us making our we have  to hide it from mgt  Help it’s hell I don’t sleep we have 29 may we have tried  calling they just ignore me  at first they are so lovely as they say I am then they go to nnamager and say we can’t say anything to you end call  Scared police are rubbish I need help even typing is so painfull  Thankyou  anyone hello be so grateful     
    • There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.
    • The US competition watchdog has taken legal action to stop Tapestry's $8.5bn takeover of rival Capri.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

help with bank charges needed please


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

Thread Locked

because no one has posted on it for the last 5406 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

What bank is it with? How long do the charges go back and what sort of account is it?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi,

 

Which Bank is it.

 

(oops, sorry, emma, getting slow in my old age) :oops:

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Do you think you would qualify under the hardship criteria, so could ask the bank to look at this before the stay is lifted- on benefits, disables, behind with mortgage/utility bills/other debts?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi Lloyds and its 6 years have gone back, its a classic account

Furthermore you can go back further under the FSA Waiver which is to 27th July 2001 so you might have missed a few charges ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

All this is just confuing me more. I just want to know if i can now ask the bank for just under £5000 so i can then take it to small claims, or can't i change my original amount.

Also what letter do i send next, dont fancy taking the hardship way, my husband is self employed and working but not much compared to what he had had in past.

I have phoned bank to ask to waiver the charges being incurred cos of us not earning as much but they said to cancel my direct debits so i dont get charged for the charges.

Well i still have to pay the bills even so, what should i do?

Link to post
Share on other sites

All this is just confuing me more. I just want to know if i can now ask the bank for just under £5000 so i can then take it to small claims, or can't i change my original amount.

Also what letter do i send next, dont fancy taking the hardship way, my husband is self employed and working but not much compared to what he had had in past.

I have phoned bank to ask to waiver the charges being incurred cos of us not earning as much but they said to cancel my direct debits so i dont get charged for the charges.

Well i still have to pay the bills even so, what should i do?

Small claims court maximum is more than £5000.00 but the reason it is sometimes advised to claim up to that value at court is about costs being awarded against you. In all likelihood your case will be stayed pending the conclusion of the OFT test case issues.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Thank you for the information, what do you think i should do next step, what should i put in my next letter? Sorry to keep asking but i'm totally new to this and its quite frightening for me:confused:

Link to post
Share on other sites

I have wrote and asked for info on the 2nd letter i should send. Also it is more than the £5000 over the last 6 years, which means i could end up paying lloyds court charges if i lose. Could i reduce the amount i asked for to bring it below £5000.

Can anyone tell me what to do next, just had letter form lloyds saying that they will do nothing as until the test case is heard and they are not at fault anyway. Because my charges are so high i reckon they will go all the way with taking me to court and already i wish i had never started this. Shall i just give in cos i feel terrified by it all. Aint got a clue of my rights.

Link to post
Share on other sites

Hi, senferlaka.

 

Don't give up, thats exactly what they want you to do, why not claim the earlier charges and keep the amount just under the £5,000. Then once you've got, that claim again for the remainder.

 

The next letter you should send is your Letter Before Action.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/112-letter-before-action-bank-charges.html

 

Just remember it's your money, and they will give you it back.

 

I'll move this thread to the Lloyds Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

thank you maroon for yr info, but just read on another helpful site that once i get letter from bank to say they received my complaint and its on standby because waiting for the ruling, i should leave it and do nohing until the decision is made, is that right?

Plus about the LBA letter which you say i need to send next, (when i click on it, it says i have to buy the kit for £10.99, is that right?Can't find a template)

Link to post
Share on other sites

  • 4 weeks later...

i've now gone into financial hardship, and sent letter to lloyds to ask them to look at my case now rather than later, but to be honest i'm not expecting it to be easy, will let you know outcome when i get one

Link to post
Share on other sites

i've now gone into financial hardship, and sent letter to lloyds to ask them to look at my case now rather than later, but to be honest i'm not expecting it to be easy, will let you know outcome when i get one

Keep us updated and shout if you need a hand.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Received letter back saying 'they are sorry if i have cause for complaint and will look at my case to see if there is anyway they can help me.' I know its probably a way to prolong them helping and i am expecting nothing back. I have heard LLoyds are the worst to help, so i am moving my direct debits to another bank.

Why don't they just own up and payout, sorted!

Link to post
Share on other sites

Received letter back saying 'they are sorry if i have cause for complaint and will look at my case to see if there is anyway they can help me.' I know its probably a way to prolong them helping and i am expecting nothing back. I have heard LLoyds are the worst to help, so i am moving my direct debits to another bank.

Why don't they just own up and payout, sorted!

 

Hi Senferlaka,

 

Re: your quote above - probably because they are the biggest bunch of ****holes going!

 

We asked them to consider our case for refund of charges on the grounds of hardship and they chose not to, instead trying to get us to pay a reduced amount each month to reduce our overdraft (which is about half the size of the charges claim).

 

They refused to admit we were in financial difficulties, yet they have now sent me a letter stating their intention to move both our joint account and my loan account to Consumer Debt Recovery - which they say has been specifically set up to help customers with long term financial difficulties. If that's not an admission of our problem by them, I don't know what is:eek:

 

Good luck with your case - with Lloyds you're definitely going to need it!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

hi landy

Yes, they v already started to reduce overdraft by decreasing it £50 a month. They think they are doing me a favour. So i guess the next stage is what they v done with you, true, they are the greatest ****holes on this earth

Link to post
Share on other sites

Well still waiting to hear from lloyds. It seems they close yr account and then send overdraft owing to debt recovery, so how can that be helping out under the hardship rule? I watched on gmtv last wk that an advisor said carry on claiming because under the hardship rule they can't put you in the queue until the high court ruling in july. Dont understand how its any different to just waiting in the 'queue'

Link to post
Share on other sites

  • 2 weeks later...

received 2nd letter, they are gettin stroppy now. They say they are not in the wrong and i have to wait until the ruling, and they will still charge me the usual charges as i agreed this when i took out the account. I thought if i was in financial hardship they should take a different approach? If anything, they have got worse! What step should i take now? Getting really worried and stressed out again

Link to post
Share on other sites

I have wrote and asked for info on the 2nd letter i should send. Also it is more than the £5000 over the last 6 years, which means i could end up paying lloyds court charges if i lose. Could i reduce the amount i asked for to bring it below £5000.

Can anyone tell me what to do next, just had letter form lloyds saying that they will do nothing as until the test case is heard and they are not at fault anyway. Because my charges are so high i reckon they will go all the way with taking me to court and already i wish i had never started this. Shall i just give in cos i feel terrified by it all. Aint got a clue of my rights.

 

 

Hi there...

Just some advice...don't give up on these muppets !!

I have two accounts one in credit the other £600 O/D all charges..phoned them a couple of times , sent two letters requesting all charges back,sent a LBA letter end of April and still got the standard blah blah..will take us up to 8 weeks letter..been like this for two months now

Filed a claim online today and will get the documents sent to them a.s.a.p.

Keep all your documentation,even if it does go to court I plan to show the judge all there paperwork refusing to help.

Judging by peoples comments on here I think Lloyds would crumble first rather than face court action..

Take the fight to them , don't let them decide the actions..

Link to post
Share on other sites

I sent a letter back stating that i plan to take them to the Ombudsman if no reply within 7 days, reason being that i do not think they have looked at my case under the hardship rules. Well the 7 days are up today and had nothing back. Whats my next step?

Link to post
Share on other sites

Hi,

 

If you consider yourself to have a good case, then you can take your claim to the Financial Ombudsman Service.

 

They are currently finding in favour of claimants to the region of 84% of claims.

 

You will need to send them copies of all letters, evidence, and responses from the bank.

 

 

They do have a bit of a backlog but you should have a resolution within 90 days maximum.

 

Here's their site........

 

our complaints procedure and how to complain

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...