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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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    • 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

Default Due to Bank Charges


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Defaulted 4 years back on two Nationwide accounts when I was made redundant. I managed to get one of the defaults removed by going to court regarding charges but cases were then stayed and was not able to progress with the second account in time.

 

Are there any avenues that I would be advised to investigate to get the default removed as the defaulted amount almost entirely consisted of bank charges?

 

Any advice would be most appreciated.

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although it is clear that all bank charges are in dispute, they have only been formally in dispute since July 2007.

 

Any bank charges related default placed on the credit reference agency register after July 2007 will have been placed there unlawfully -- in breach of the banking code, in breach of the current account contract, in breach of the information Commissioner's guidelines. Such defaults can immediately be challenged and should be removed completely from the register.

 

Additionally any default for bank charges which have been formally disputed by the customer and which were placed upon the credit reference agency register after the bank charges dispute was commenced, is also unlawful -- for the same reasons -- and can be challenged.

 

You say that you are defaulted four years ago. This was before the beginning of the test case and was also before The Consumer Action Group was started and therefore was before the bank charges revolution. You probably had not disputed bank charges at the time. Unfortunately this would mean that although the charges have subsequently come into dispute, the default would have lawfully been placed upon the register and there is probably very little that you can do about it until the final outcome of the test case.

 

You have done very well getting one of the defaults removed at all. This is quite an extraordinary result. The only thing I can suggest that the moment is that you lodged a notice of dispute on your credit file and also point out to the CRA and also to the bank that as soon as the test case is decided you will be requiring a refund of all charges and the removal of any charges related credit file entries including compensation for any damage that these entries may have caused you.

 

I suppose that your nationwide accounts are closed. If they are still open and you are using them then there may be some other action that I can suggest.

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Thanks for the reply. The account that I received the refund of charges is still open and I am currently using it. The account that has the remaining default has been settled and closed.

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Thanks for the reply. The account that I received the refund of charges is still open and I am currently using it. The account that has the remaining default has been settled and closed.

well it's a shame that it is the other way around. We might have been able to suggest a way forward.

 

Are you paying charges on the open account?

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