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    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf (Privity) as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
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Barclays error caused my bank account to be overdrawn. can i claim?


Ben23
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Hi Guys,

 

i am looking for a bit of advice regarding an issue i have recently had with barclaycard.

 

Last month i decided to set up a direct debit to pay my credit card bill. I spoke to the Barclaycard member of staff and he set up the direct debit, he also informed me that i had to make a manual payment for the month as the direct debit would not come out of my account until the following month. A few days after making my manual payment i noticed that they took a further payment out via the direct debit (that i was told would not work until the following month). Due to a lack of funds in my account at the time this caused my account to become overdrawn and the direct debit reversed. I have now incurred a £12 charge from Barclaycard and a £50 charge from my bank. I would like to know if i have the right to ask Barclaycard to reimburse me for the charges as i feel that i did nothing wrong and was misinformed by their staff.

 

Any advice would be great

 

Ben

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Hi Ben and welcome to CAG.

 

If you suffered any loss (ie bank charges, overdraft interest) as a result of BC's error, you have the right to be reimbursed so you are not left out of pocket.

 

Write to BC giving brief details of what happened, dates and what was said in your tel cons with them.

 

Tell them you require a refund of the charges to your BC a/c (I don't see why they charged you this, but never mind).

 

You also require a refund of the Barclays Bank charge, which arose as a direct result of their error. This can be a credit to your BC a/c or a refund by the bank of the bank charge.

 

Tell them you also require compensation for the time and trouble this has caused you, as they have fallen short of the standards you expect from BC.

 

Tell them you require this to be sorted within 14 days, or you will escalate your complaint.

 

Keep copies of your letters and get proof of posting. Keep your letters brief and polite.

 

Let us know how you get on.

 

Have you had penalty charges on the BC a/c or your bank a/c before - you can get these refunded, but as a separate matter.

 

:)

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Hi Ben and welcome to CAG.

 

If you suffered any loss (ie bank charges, overdraft interest) as a result of BC's error, you have the right to be reimbursed so you are not left out of pocket.

 

Write to BC giving brief details of what happened, dates and what was said in your tel cons with them.

 

Tell them you require a refund of the charges to your BC a/c (I don't see why they charged you this, but never mind).

 

You also require a refund of the Barclays Bank charge, which arose as a direct result of their error. This can be a credit to your BC a/c or a refund by the bank of the bank charge.

 

Tell them you also require compensation for the time and trouble this has caused you, as they have fallen short of the standards you expect from BC.

 

Tell them you require this to be sorted within 14 days, or you will escalate your complaint.

 

Keep copies of your letters and get proof of posting. Keep your letters brief and polite.

 

Let us know how you get on.

 

Have you had penalty charges on the BC a/c or your bank a/c before - you can get these refunded, but as a separate matter.

 

:)

 

Good Morning Slick,

 

Thank you for the welcome and for the your time in giving me advice.

 

I have sent a polite email to their customer service explaining what has happened and asking them if they can reimburse me, however i'm not going to hold my breath.

Would i send my letter to one of the addresses in the sticky? as i can't find an address on Barclaycards website. Also should i contact my bank (HSBC) and explain to them what has happened as well or will that not hold any real advantage?

 

With regards to the other charges i have had 2 charges on my bank account (HSBC) however one of those was my fault and the other was the company i worked for fault for not paying us in time, they reimbursed me for the charges.

 

I think i may be incurring another charge on my BC as again i was misinformed by their staff in the fact that they told me the direct debit would be taking the money out when infact it didn't, i sometimes wonder if they know what they are doing. I'm almost leaning towards making manual payments each month as i seems alot easier than trying to set up a DD with them.

 

Many thanks again.

 

Ben

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Hi Ben,

 

Use the address on your BC statement to write a letter. Don't rely on ANY phone conversations.

 

You could write to HSBC to explain that the error by BC has caused the bank a/c problem and that you expect BC to reimburse you for it asap.

 

As regards bank chgs in general, get the BC issue sorted first. Then you can seek a refund of other charges on the a/c. Whether you've gone o/drawn because of your fault or someone else, the bank should not make these charges to your a/c and you should be able to get them back.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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