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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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        • Like

CLYDESDALE BANK (Yorkshire Bank) ***WON***


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:) Hi I am in the process of claiming back bank charges from clydesdale bank (Yorkshire Bank) there response after I sent letter prior to action has been refusal to pay up. I will now try filing a claim through the court. Has anyone out there had dealings with this bank? if so how did you get on. Would appreciate any advise or help. Thanks
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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forums for your banks to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hi

Thanks for your help and advice I have started the on line claim but don't want to rush it too much so I am progressing a little slow at the moment. on the section where you give details of your claim is there any particular wording you use and also I understand any claim over 5 grand is not able to go through the small court my particular claim would go over that amount with interest and court fees what do you advise? :confused:

 

Thanks for your help

 

RUDAV

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Have a read in the Clydesdale/Yorkshire forum to see how they've responded to other claims against them. You have two options when the amount of the claim (excluding court fees and s69 interest) comes to more than £5000. You can sever the claim into to parts and just claim the oldest charges first up to just under £5000 worth. Once that claim is settled file again for the rest, but check any terms and conditions on the first settlement when you accept it.

 

The other option is to claim the full amount in one go. This will leave you open to costs of up to £750 if you lose, plus your court fee, but will also allow you to ask for full disclosure of their real costs for the penalty charges. The banks don't want to do this, so they are still likely to pay out without going to court.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 1 month later...

Hi I sent my Data Protection Request to my branch in Falkirk and received an acknowlegement letter from the network support centre in glasgow stating that they will provide me with statements back to 2000, as this is where all charges are detailed, but would take up to 40 days as stated i the DP act.

 

I then got a letter from Janette Martin at the operations centre in Falkirk, saying she had been trying to contact me urgently and could I contact her asap. (with a few spelling mistakes in the letter which made me laugh!)

 

Is it best to reply to the letter or call? has anyone had a similar letter or have they tried to phone you??

 

Andy

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Rudav, markandandrew is only at the first stage not at court yet. Markandandrew you might find it easier to start your own thread and also i cannot see any harm in contacting their DPA section but you might want to look at your banks particular forum to see how the are dealing with things and if getting in touch is worth it!

Ex CAG helper ^_^

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I then got a letter from Janette Martin at the operations centre in Falkirk, saying she had been trying to contact me urgently and could I contact her asap.

 

They may need information from you to confirm your I.D.

Data Controllers have a duty to ensure that information is not divulged to anyone who is not entitled to it.

 

Other than that, don't get involved in dialogue with them. If you keep everything in writing then it could prevent a problem, later, trying to remember what you said.

  • Confused 1

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bit the bullen and called Jeanette this morning to find that she was contacting me to ask if i wanted a loan! so nothing to do with the DSR. all statements received and just adding up the charges now arghhh!

 

HUH! Typical. :D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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hi igot reply from sar and the bank said

We note your request for disclosure of data relating to manual intervention on your account. This is not data which you are entitled to recieve under a data subject access request and accordingly no such disclosure will be made.

Should i request this again as i no there was manual intervention

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  • 4 months later...

Wish You All Good Luck, My Claim Started Back In July And Is Still Not Sorted,i Have A Preliminary Hearing Withthe Judge On 5th March, Not Quite Sure What That Involves But I Am Determined To Get What I Am Owed !

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Wow Rudav, nearly 5 months since we heard from you. Hope it all goes well for you. Just post on here if you aren't sure of anything.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
:) GOOD NEWS !! PRELIMINARY HEARING WAS ON 5TH MARCH GUESS WHAT CLYDESDALE SENT A LETTER A WEEK BEFORE THE HEARING OFFERING ME HALF THE AMOUNT, I IGNORED THE LETTER AND BINGO I RECEIVED A SECOND LETTER WITH A CHEQUE FOR THE FULL AMOUNT:lol: PRIOR TO THE HEARING. ALL YOU GUYS OUT THERE HANG ON YOU WILL GET YOUR MONEY. IT TOOK ME ALMOST 7 MONTHS BUT I REFUSED TO LET THEM SCARE AND BULLY ME INTO GIVING IN. THANKS TO THE FORUM FOR HELP AND ADVISE.
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Brilliant news. Congratulations.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Hi

I have just added all of the charges irregular fees etc, can I claim for charges called cheque card misuse? where they have honoured a cheque where there has been insufficient funds (this normally happened just before pay day and the accound was always brought up to credit and all of the charges paid)

 

totals approaching £4k.......

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It was a penalty so yes. Please start your own thread or your posts could be missed and it's easier to follow your progress.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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