Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • 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

NatWest Bank Overdraft Default Notice


Braveheart12
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5207 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

Can anyone advise me on whether this Default Notice is vaild? and do DN's on overdrafts work the same as they do for Credit Cards?

 

DN1-1.jpg

 

DN2-1.jpg

 

DN3.jpg

 

Does anybody know if this Default Notice has been properly executed?

 

Thanks

 

Just received the from NW.

 

DSC03998.jpg

 

The letter states that they have defaulted me and terminated. Can any help me by clrifying whether or not the default notice is acceptable. Surely its not set out properly, it looks completely different to any I have previuosly received from other creditors.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • 2 weeks later...

Can someone help me with wether or not this default notice is vaild....I started a thread in the Natwest section, but not having much luck over there.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/204608-natwest-bank-overdraft-default.html

 

Thanks.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Thanks, I wasn't sure if the same rules apply to bank accounts as they do with credit cards.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • 3 weeks later...

If you have recently acquired a motor vehicle under a hire purchase or conditional sale agreement, it may be regulated by the Consumer Credit Act 1974 ('the 1974 Act'). The easiest way to find out is to dig-out your agreement and look in the top left hand corner. If it says "regulated by the Consumer Credit Act 1974" then your agreement is 'regulated'. If it does not say so but if you are an individual and your total amount of credit is less than £25,000 then the agreement should be regulated by the 1974 Act. If it doesn't say it is, then take advice as soon as possible!

So, if your agreement is regulated by the 1974 Act what happens if you fall in to arrears? There are three options:

  • the creditor (i.e the person who you make your payments to) can send you a default notice under section 87 of the 1974 Act;
  • you can give written notice at any time before the 'expiry' of a default notice to terminate the agreement, return the motor vehicle and pay the difference between what you have paid and one half of the total amount payable under the agreement; or
  • you can apply for a 'time order' under section 129 of the 1974 Act which, if your financial difficulties are short term, may give you more time to pay the instalments and stop the creditor from ending the agreement and recovering the motor vehicle

Default Notices

Section 87(1) of the 1974 Act allows the creditor to send you a default notice giving you fourteen days from the date you receive it to pay the arrears. The default notice must contain all of the necessary information under the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 ('the 1983 Regulations'), which includes

  • a statement saying the notice is a default notice served under section 87(1) of the 1974 Act
  • a description of the agreement
  • the name and address of both the debtor and the creditor
  • details of the breach (i.e. late payment) and, if the breach can be remedied, the date by which it must be remedied or, if the breach is not capable of remedy, the amount required to be paid after the expiry of the specified date;
  • a statement saying: if the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of that breach
  • a statement saying: if you do not take the action required by this notice before the date shown then the further action set out below may be taken against you
  • a clear and unambiguous statement saying that if the action is not taken by the date specified, what it will do (for example, if will it terminate the agreement and recovery possession of the motor vehicle)
  • if the agreement is one of hire purchase or conditional sale, a statement saying: but if you have paid at least one third of the total amount payable under the agreement set out below (or any installation charge plus one third of the rest of the amount payable). The creditor may not take back the goods against your wishes unless he gets a court order. (In Scotland, he may need to get a court order at any time.) If he does take them back without your consent or a court order, you have the right to get back all of the money you have paid under the agreement set out below
  • if an amount of money is required to be paid, the amount before deducting any rebate on early settlement
  • statements saying:
    if you have difficulty in paying any sum owing under the agreement or taking any other action required by this notice, you can apply to the court which may make an order allowing you more time
    if you are not sure what to do, you should get help as soon as possible. For example you should contact a solicitor, your local trading standards department or your nearest citizens' advice bureau
    important - you should read this carefully

Under Regulations 33 of the Consumer Credit (Information Requirements and Duration of Licenses and Charges) Regulations 2007 the default notice must from 1 October 2008 also include the following statement:

You have the right to end this agreement at any time
before the final payment falls due. Note that this right may be lost if you do not act before the date shown (after which we may take action).
If the date for final payment has not passed and you wish to end this agreement, you should write to the person to whom you make your payments. You will need to pay £ if you wish to end this agreement by the date shown and we will be entitled to the return of the goods. You will also be liable for costs if you have not taken reasonable care of the goods.

If the default notice fails to include all of the necessary information, it is likely to be ineffective and will not allow the creditor to recovery the motor vehicle unless you give your consent to the recovery. So, what can you do if it is recovered against your wishes? The answer depends on how much you have paid to the creditor.

If you have paid more than one third of the total amount payable, section 90 of the 1974 Act states that the motor vehicle is 'protected' from repossession. So, if the motor vehicle is recovered then, under section 91 of the 1974 Act you are entitled to a return of all of the money you have paid to the creditor, regardless of how long you have had the motor vehicle.

If you have paid less than one third of the total amount payable, the motor vehicle is not protected from repossession. Instead, if it is recovered you can say that the creditor has wrongfully interfered with your right to possession of the motor vehicle. The Court cleared-up what this meant in Chartered Trust plc v King (2001) WL 172107 and decided that the debtor (i.e. you) are entitled to a return of all of the money paid to the creditor. Again, it is irrelevant how long you have had the motor vehicle.

Debtor's Termination

Under section 99 of the 1974 Act a debtor under a hire purchase or conditional sale agreement can, at any time before the agreement has ended, give written notice to the creditor to end the agreement. Once the agreement has ended, you have to return to the motor vehicle in a reasonable condition and, if you have paid less than a half of the total amount payable, you must pay the creditor the difference between one half of the agreement and what you have paid. If you have paid more than one half, you only have to return the motor vehicle and pay the arrears at the date of your letter.

It is important to remember that you can exercise your right under section 99 of the 1974 Act even if you have received a default notice as long as the date in that notice has not passed. In First Response Finance Limited v Donnelly [2006] GCCR 5901 the Court considered whether a debtor's termination after the date specified in the default notice would limit the amount payable to the creditor to the difference between one half of the agreement and what had been paid. It decided that it did not and the debtor was liable for the total amount payable under the agreement minus the amount paid by the debtor and the motor vehicle's net sale proceeds.

Time Order

Before you can apply to the Court for a time order, you must be served with a default notice or, when they become required by law, an arrears notice. Normally, the Court only has the power to give you extra time to pay the arrears but if the agreement is one of hire purchase or conditional sale, it can make an order under section 130(2) of the 1974 Act to effectively re-write the agreement.

The Court will consider your financial position. It is therefore vital that you send to the Court and the creditor as much information as possible about your financial position and explain, with evidence, how it will get better. If there is little prospect of it doing so, the Court is unlikely after the decision in First National Bank plc v Syed [1991] 2 All ER 250 to give you extra time to pay.

Summary

If you run into financial difficulties under a regulated hire purchase or conditional sale agreement, the first question to ask is whether you want to keep the motor vehicle. If so, your only real option is to contact the creditor and negotiate a payment plan. If it is unwilling to do so, you can apply for a time order under section 129 of the 1974 Act if you receive a default notice or, in the future, if you receive an arrears letter. However, your application is unlikely to be successful if you cannot show your financial problems are temporary. If you do not want to keep the motor car then you should consider whether it would be cheaper to terminate the agreement under section 99 of the 1974 Act. If so, send your letter by recorded delivery to the creditor's registered office and make sure you keep a copy. Then try to negotiate a way to pay the balance outstanding (if anything).

Link to post
Share on other sites

Hi

 

Need to know the dates of the letters to establish if the allowed time to rectify the breach was served correctly.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

And yet it states in the last letter the account will be terminated on or after the 21st June,so in effect no time allowed to rectify the breach and therefore totally invalid.

 

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks, I'd missed that. 28 days as stated in the first letter would be 1st July! They state "on or after 20th June on the DN.

 

Is the letter dated 21st June a Termination Notice?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Hi

 

76(1) 98 (1) is the Termination Notice but what was the date on that one?

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

All 3 sheets in my 1st post came in the same envelope on the 3rd June.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Ok then the DN/Termination Notice are valid then and have allowed enough time for you to rectify the breach ie 14 days plus service say 3.

You must remember these are in relation to an Overdraft not a loan or CC account hence the different style and layout,Did you not respond in any way on notice?

 

 

Regards

 

Andy

Edited by Andyorch

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I was wondering about the difference in layout. I have not responded to NW. Why do you ask?

 

I still the DN is dodgy as the dates are unclear and cause confusion. They start by saying I have 28 days to remedy but then in the same correspondance state the 20th June which is 17days!

 

On top of this there is also Cerberusalert's arguement of them have to give a specific date rather than an amount of days.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Hi Again

 

Im afraid Cerberusalert's arguement does not apply to a overdraft termination notice,it does not work like a DN in any shape or form.It states the date the account/overdraft will be terminated and is infact a recall notice.Which by the T&C levied to the overdraft they are in their rights to take this action.Look closely after the date you will see the sentence " unless by that date you have made alternative arrangement for repayment which acceptable to the bank"

So they have given you 17 days to respond and agree altenative arrangements.

Changes were made to the CCA 1974 were made in October last year with regard to DN/Termination Notices and your Notices conform to the amendments.

 

So what happens now you may think, well hence my question have you responded in anyway.I dont know your circumstances and why NW took the above action Account in dispute/ unfair charges etc? so you would have to expand on that point.

 

What can you expect next?Well NW may pass the account to a DCA to persue the outstanding debt or pass it straight to a Solicitor to instigate litigation and issue you with a summons.Your response to my points above very much reflects any further advise I can offer you.

 

I trust the above is of help

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks for clearing that up Andy.

 

NW have taken this action as in January I informed them I was in financial difficulties and requested I repayment plan. I did this with all my creditors, then stumbled on CAG. Since then I have stopped paying all of them due to unenforeable CCA's and DN's that were served incorrectly.

 

I have not corresponded with NW since they declined my repayment offer as it was deemed to be too low. My overdraft his currently over its limit due to charges and interest being added since I stopped payments into the account in November last year.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Hi

 

Ok now I see the whole picture.I trust you have retained all the paperwork (especialy NW decline) involved in the lead up to this and sent them recorded delivery.This will add to your papertrail which will become important as and when you need to defend any summons.

I would advocate requesting a S.A.R from NW with regards to the current account so you can verify the total of unfair charges.This will cost you £10.00 send recorded delivery.

There is no point requesting a Sec77 CCA as overdrafts are excluded.

 

Time will tell what there next move will be but in the meantime you can prepare your case should the inevitable land on your doormat.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Yes I have filed all paperwork and used recorded delivery. I have most of my statements for the last year so I'll check those to see if its worth sending them a SAR.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

I would send it anyway you need to go back 6 years (subject to the age of the account.)

 

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I opened the account when I strted uni in 2001, so its quite likely it would be worth while sending a SAR. I'll get one sent.

 

Looks like I'll be getting another DCA to add to my collection! All my other creditors have already done this. If this happens I'll look at making a reduced full & final settlement offer.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • 4 weeks later...

Just had my SAR and Postal Order returned as I did not provide them with my signature and my address is different to their records. They has asked for my sig and a utility bill to confirm my address. They are still sending correspondance to my parents address despite me corressponding with them using my current address.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Just had my SAR and Postal Order returned as I did not provide them with my signature and my address is different to their records. They has asked for my sig and a utility bill to confirm my address. They are still sending correspondance to my parents address despite me corressponding with them using my current address.

Are you saying that the bank responding to you with regards to the SAR is what you class as "corresponding with you"?

If the statement address is different then the bank have the right to ask for either a signature or proof of yourself.

It would be a bit like me asking for your details from my address when the statements are sent to you(does that make sense?)

.

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

Yes thanks...I'll send them proof of my address to meet their sercurity criteria.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Yes thanks...I'll send them proof of my address to meet their sercurity criteria.

Just pop into the branch with ID and get them to take copies and stamp them. Ask them to forward it onto their SAR team in edinburgh.

.

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

Just received this letter from Moorcroft.

 

DSC04485.jpg

 

Any advice would be appreciated.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...