Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hello,   I've recently been awarded PIP for a degenerative condition that has worsened & I'm finding it entitles me to more help with things like council tax, but is there anything else i can now apply for or that i could be able to get more support with now I'm on PIP? 
    • Hi all,   I had an Lloyds bank overdraft in 2019 with the overdraft amount being £1350 maxed out by December 2019. I had left the account alone for two/three months as the overdraft fees were basically ruining me(Adding to the £1350 overdraft), i then received a letter from Lloyds asking me to phone them regarding this debt (This was January 2020). I had phoned Lloyds and we went through an expenditure on the phone and the outcome was i was to make payment of £30 towards the debt for 6 months and then after the 6 months is up they would get in touch with me to discuss further options. (There was mention in January that after the 6 months there was a possibility of a loan to pay of the remaining balance and then you make payments against the loan for however many years/months you choose.) It is worth noting that whilst i was making these payments they seized all interest on my account.    I have made every payment since January and have gradually managed to reduce my overdraft down to £1200. My problem is that the bank have phoned as it now at that stage for re-discussion, they have asked me to go through another expenditure and i panicked and over estimated things to make it look like i had less income; not loads but i was in a deficit of -£47. Due to this they said they could not allow me to take out a loan as it would only mean i was borrowing more to pay of debt which they would not allow. It then got passed over to another team and he said that i only had two options. Take a one month break with all interest etc stopped and this will allow me to seek financial advice elsewhere, or they said they would default the payment and i can then pay the minimum i can afford but the default would stay on my credit file for 6 years. He mentioned that they wouldn't take any money of me to help clear the debt as i had a deficit of -£47 and that shows i financially cannot afford to do that option. I have looked at the effects a default can make to your credit file and it impacts it tremendously.   Lloyds asked me how i cover my expenses every month and i mentioned that my Grandparents help me out sometimes with cash flow. So the gentleman at Lloyd's suggested going away and asking my grandparents if they could contribute money to me to help aid in my debt. so that he could go back to the original team(I think collections team) and say she now has this ____ He is due to phone me on Thursday (Tomorrow). I can afford to contribute probably £50-£80 a month but it would mean cutting down on fuel and some other expenses.   Its worth noting that i have a credit card with Nationwide maxed to £1000 too and this will soon be at the stage where they charge interest and i cannot afford to clear this either. Is this worth writing to them about?   Is there anyone that can advise me on what to do to help me pay as little as i can and avoid the default PLEASE, any help is really REALLY appreciated.   Thank you all in advance.
    • In terms of whether or not this is a private sale, clearly it will be for a judge to decide. It seems to me that we have somebody here who bred a litter of puppies and has sold several of them or all of them at probably around £1200 each. I think that is very different from selling your own private second-hand car to get what you can for it in order, for instance, to buy another one. Anyway it's for the judge to decide. In terms of whether or not the seller is aware of the defects – if they are a private seller – all it really means is that they are not subject to sale of goods legislation so that a purchaser in a private sale does not have specific protections. After that you have to fall back onto the common law of contract and once again I think that the liabilities are reasonably strict and I still think that even in a private sale if you bought something with defects which was represented to you as being without defects then you would probably have a good case. In this case, the dog has been accompanied by a health certificate and I think that is as good as any kind of representation dog is without defects. I think we are coming to an altogether more interesting issue. Apparently the dental defect with this puppy is observable and could have been detected by any reasonably careful examination carried out by a reasonable professional. But apparently also there is the possibility that there may be a more complicated problem which could be addressed by work costing up to £2000. What I'd like to know is whether this more complicated problem is as a result of the failure to spot the initial problem. Even if the initial problem had been spotted, with this still be a possibility that this more complicated work would be necessary? I suppose what I'm getting to his that at what point does one decide that a defect is an unacceptable defect or simply a risk that comes with purchasing all animals and therefore could still be considered as "satisfactory" because it would meet the reasonable expectations of any reasonable pet owner. To put it bluntly: are we saying here that if you buy an animal is less than genetically perfect, that you are purchasing defective goods and you are entitled to a refund? Does this mean that all animal traders are obliged to ensure that all the animals they sell are genetically perfect? This is dangerous territory: eugenics.  
    • a dn can be issued even on one default payment.
    • I think I still remain to be convinced that a court would not find the seller's offer to take the puppy back and give the OP a full refund both reasonable and acceptable.   Ignoring that this is the sale of a puppy, isn't this more akin to the private sale of a second-hand car?   I don't really know what the phrase:  "I recently bought a puppy from a home breeder. They have never breed dogs before and aren't a licensed business" means.  Is this a business to consumer sale, or is it simply the opportunistic private sale of puppies from a domestic litter?  I think the OP needs to establish this because it's not clear to me - yet.   AIUI, if I as a private individual privately sold, say,  a car with umpteen non-apparent faults or defects with it, but I was honestly unaware of them and could not be expected to be aware of them, then I'm not liable for any breach of contract when those faults and defects manifest themselves to the buyer a week later.  Isn't that what worried private sellers of cars are told here when aggrieved purchasers threaten to sue them?  It's not immediately obvious to me why this is necessarily any different - unless this is clearly a business to consumer sale.   The OP also says:  "Our puppy was sold as having passed a full health check from Vets4Pets", and so far as I can see this isn't disputed.  Unless that health check revealed the dental problem the OP is now complaining about, but the OP never was shown it (seems unlikely that the seller would mention it but not make the results available), then I think the seller may well be entitled to rely on it.  What more could they do to ascertain the health of the puppy?   I think this is not necessarily a clear-cut claim, and from the way the OP describes the breeder I think the question whether this is a consumer sale or a private sale may not have a black or white answer.     1.  The OP mentions following advice to buy puppies bred from a "home pet" (or similar such wording).  Not clear if this was the case here, but if it was, doesn't this suggest a private rather than consumer or trade sale?   2.  The OP also suggests that the health of the puppy was misrepresented, but is this necessarily correct?  They say the puppy was advertised as having had a "full health check", but that's not the same as saying the puppy was actually healthy.  And if it was a private sale, is the seller required to declare health problems they are aware of if they aren't specifically asked?
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
kalijack

New here and in need of help!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3906 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello

 

I found this forum whilst looking for info on something else, but I see you have a section on Alliance & Leicester.

 

I have a current account with them. Every time they pay a direct debit and it makes my account go over my overdraft limit (even if its only by a few pennies) they charge me £25, which makes me go even further overdrawn. They then charge me £5 for every day my account is overdrawn, until I can pay some money back in. As I am on incapacity benefit, this is making things really tight for me, and sometimes have to live on just toast.

 

Is there any way I can stop them from charging me? I have heard a bit about people claiming back bank charges, but I thought that was stopped now.

 

Please help, I am desperate. I'm also being chased by a debt collection agency, I wrote about that on another thread

Share this post


Link to post
Share on other sites

Hello and Welcome, kalijack.

 

You can still re-claim the charges, have a look at this 'link'..........

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Claims are being 'stayed' by the courts at the moment, but it's best to get your claim started.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Thank you! I will get on to this straight away!

Share this post


Link to post
Share on other sites

If The Money Going Into Your Account Is From The Goverment

Thats Any Sort Of Benefit

 

Banks Are Not Allowed To Touch It, Period

 

I Know There Are Some Threads On This Matter But As Not My Area, Have Not Booke Marked Them

 

If Any Body Can Help Out This Cagger On The Relevent Threads As She Can Use The Letters To Get All Her/his Money Back

Share this post


Link to post
Share on other sites
If The Money Going Into Your Account Is From The Goverment

Thats Any Sort Of Benefit

 

Banks Are Not Allowed To Touch It, Period

 

I Know There Are Some Threads On This Matter But As Not My Area, Have Not Booke Marked Them

 

If Any Body Can Help Out This Cagger On The Relevent Threads As She Can Use The Letters To Get All Her/his Money Back

 

Yes all I have going in is Incapacity Benefit and Disability Living Allowance. I've been told that I shouldn't include DLA when writing to my creditors though. Oh and I'm female BTW :)

 

Sometimes I've had friends and family bail me out so that I don't incur further charges though. Not sure how this is accounted for.

Share this post


Link to post
Share on other sites

Hi Kalijack,

I would advise you to cancel all your direct debits to stop you going overdrawn and pay your bills another way. The Citizens advice bureau are excellent at helping with debt and will write to companies on your behalf. Good luck

Share this post


Link to post
Share on other sites

to begin with i would open up a parachute account

try the co op

 

have all your benefit paid into that to stop a&l getting there mitts on it

Share this post


Link to post
Share on other sites
to begin with i would open up a parachute account

try the co op

 

have all your benefit paid into that to stop a&l getting there mitts on it

Good idea, I will get on to that straight away.

 

How long do banks usually take to reply to the request for info letter?

Share this post


Link to post
Share on other sites

a sar, the creditor has up to 40 days to comply

Share this post


Link to post
Share on other sites

I am really upset. :mad:

 

I got my bank statement today and they are charging me £80 this month for going overdrawn. The reason I went overdrawn in the first place was because they charged me last month. I feel as this is getting out of control.

 

I've already opened a new basic account and getting my benefits paid into it, and they are in the process of transferring all my direct debits.

 

They still haven't replied to my request for info.

Share this post


Link to post
Share on other sites
Hi Kalijack,

I would advise you to cancel all your direct debits to stop you going overdrawn and pay your bills another way. The Citizens advice bureau are excellent at helping with debt and will write to companies on your behalf. Good luck

 

 

kalijack,

 

this is excellent advice, keep your dd's to the bare minimum, and away from your parachute account. Get your benefits paid into the parachute account and then you can manage your money better. It means transferring money across from one a/c to the other regularly, but it puts you back in control of your money


All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

Share this post


Link to post
Share on other sites

Update on my situation. A&L have still not replied, and have, in fact, applied further charges, which has made me even more overdrawn, to the extent that I cannot afford to bring my account back into my credit limit. They are also charging me £5 per day for each day that this situation continues, which means that my debt is going to get bigger and bigger, and even now is practically unmanageble :(

 

I have opened a basic account elsewhere, and cancelled all my DDs with A&L.

 

Is there any way for them to freeze the ongoing daily charges, until this situation gets resolved?

 

Should I come to some agreement about bringing my account back into credit? Or should I go ahead and reclaim my charges, if and when they actually supply me with the info I requested?

 

Thanks to everyone who has helped me so far.

Share this post


Link to post
Share on other sites

Hi kalijack

 

It is best if you keep your posts to the one thread, that way they can't get lost :)

If you don't recieve your statements and data by the 40 days send the non compliance.

 

http://www.consumeractiongroup.co.uk...n-act-non.html


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

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

 

.please remember that any advice i give is purely my own experience or opinion thankyou

Share this post


Link to post
Share on other sites

Two threads merged ;)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Ta :D


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

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

 

.please remember that any advice i give is purely my own experience or opinion thankyou

Share this post


Link to post
Share on other sites

Thanks, sorry bout that.

Share this post


Link to post
Share on other sites

as not to hijack this thread

does anybody know the legality of these so called SERVICE CHARGES

 

can they be reclaimed just like the penalty charges in the past

 

keep it brief please

Share this post


Link to post
Share on other sites

I got the ball rolling, got all the info I needed from A&L and sent them the 14 day letter requesting that they pay back the charges. I've received a lengthy reply from them today saying they are not going to do anything until the test case is resolved, and if I do put in a court claim for the fees, they are going to apply to the court for a stay. What should I do now?

Share this post


Link to post
Share on other sites

hello Kalijack I am so sorry for the position the bank leaves you in every month, pople who have not been in this situation do not understand how it snowballs and you get left in a right mess. As far as I know the banks are not allowed to take charges from benefits. I should contact the CAB if I were you as suggested.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...