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    • What do u thinki  should do , as I think am due an apology for what they have put me through,   as no of this would of happened if the manager done his job in the beginning and  and looked at the pictures I tried to show him of the faults ,I would not have been arrested any help is greatly appreciated thanks 
    • So now they are offering you a refund. Do you want to accept it?
    • When I took the tent back it was 9 days old and told the manger that with the item being faulty am entitled to a full refund or exchange, with 28 days if item is  faulty but he wouldn't look at the pictures or even offer to get the tent inspected 
    • Old TV bought by Russian 'collector' for record sum of £196,000 Mr Gru said he thought it a bargain and he believed he would get many hours of pleasure from its use.   https://www.theguardian.com/uk-news/2020/sep/22/the-old-telly-that-brought-down-a-welsh-villages-broadband
    • Hi All, wondering if anyone can help with my situation. Had a card left through the letterbox yesterday from resolvecall saying they tried to visit me regarding my account.  called them and asked what the account is referring to, they said a loan with MBNA taken out in 2007 with the last payment being received in October 2009. The loan has since been sold to Arrow global and instructed resolvecall to try and collect. I was silly when I turned 18 credit cards Loans etc and defaulted on a lot of my accounts. Paid some companies back, had a CCJ against me which is also cleared but now I’m finally this last year improving my credit score and looking to get a mortgage in 6 months time.  currently living with mother in law so I’m glad she wasn’t in when they knocked otherwise would be very embarrassing.  On the phone I asked for the original  agreement as I don’t recall the debt and they said they will contact arrow global to get this and send it in the post to me, they will also put the account on hold in the meantime.  is there anything I can do from here? I thought after 6 years they cannot chase payments. I’ve checked credit file and there’s nothing showing on there for this debt.  many help would be greatly appreciated.  thanks  
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Charges i am about to be charged


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i have just recieved mey pre-advice notice from nat west bank and have been charged, as follows:

£28.00 MAINTENANCE CHARGE

£12.95 SUBSCRIPTION TO ADVANTAGE GOLD

£38.00 FOR UNPAID ITEM

£35.00 FOR GUARNTEED CARD PAYMENT

TOTALLING £113.95

 

is this ok for them to do this, or anyone got any ideas to stop these, also i was recently charged over £60 for being 2p overdrawn

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If these are your first charges, then you can call them to see if they will refund any of them. Sometimes as first time charges, they will. And its always worth a try.

 

Also is there any reason you need advantage gold account. They take that payment every month, and most of the time the standard account is just as efficent.

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no, should cancel it but are these charges legal in any way

Advantage gold ones are.

.

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

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what about the other charges that they have just charged me

Reclaimable.

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

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they coming out my bank on 21st july, so was going to ring them, any ideas what to say to them

Have you had any charges on the account before?

Have you received any refunds before as a gesture of goodwill?

.

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

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had a couple of charges no refunds, i only wemt o/d by 2p and got chrged nearly £60, they just palmed me of and i paid charges

They won't refund if you call them by telephone so you need to start the process of reclaiming your charges back.

 

One further question, do you have Advantage Gold account for any reason? Do you use the benefits of the account because if you don't then you are giving the bank over £150 for no obvious return.

.

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

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i have it for holiday insurance and mobile phone insurance

you can get both cheaper than £150 and mobile phone may be insured on house insurance.

.

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

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i know, i will ring them now see what that have to say, any ideas of what to say

Personally I can tell you. There was no bank error no they are declining the refund.

 

I hope they don't but if they do then start the process of reclaiming charges.

.

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

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Let us know how you get on with it. Natwest are not known for being the most understanding bank. :rolleyes:

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Let us know how you get on with it. Natwest are not known for being the most understanding bank. :rolleyes:

I would have declined the refund in their position as there is no bank error. Is the links to the bank reclaiming process on your signature? If it is(cos i have signatures switched off) then start the process.

.

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

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what does that mean, bank reclaiming process to my signature

it should be on seasidelady's signature on one of the links(I have signatures switched off but site team normally have links to important info).

.

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

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