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    • Looking for a bit of advice on an possible malicious or fraudulent claim.   I received a letter today from my insurance company regarding an alleged incident three months ago and stating I had five days to respond or my no claims bonus could be affected if they settled the claim. It gave a date and postal code for the incident. I rung the insurance company and said I had not been involved in an incident on the day in question and was not even in the area. I am absolutely clear on this although the area is only about 15 miles from my home, it was Easter Monday and I know exactly where I was that day. I asked about the incident and was told that my vehicle had reversed into another car outside a shop. There are no shops in the area, it is purely rural farmland (so no CCTV obviously).   The insurance company said they would note my response and send to the claimants insurance company but would need to send an assessor out to take photos of my vehicle for any damage. My vehicle has no damage to the rear but does have a dent to the door from a collision with a deer that I have never done anything about.   My questions are ;   How did the claimant obtain my insurance details ? Does my insurer have to provide me with details of who the claimant is ? Could the dented door cause a problem because I didn't report it ? It is very obvious it is not damage from reversing into someone else. If I had been away on holiday and hadn't responded, would this claim just have been paid without me knowing about it resulting in loss of NCB ?  
    • It doesn’t say FINE anywhere on the documentation.    I don’t have the facility to scan the document, is there something in particular that you need to see? I can explain what is on there.    Thsnks 
    • CASE DISMISSED!!!   Thank you so much for all your help guys! Couldn't have done it without you!!! - donation on it's way (just waiting for some money to come in next week!)   That was pretty nerve wracking, I must say, but once I got into the flow of things, everything went well. Didn't help my nerves that the PRA rep was 30mins late!! Was hard to gauge the judge initially, but once I realised that she was well versed in the legislation and seemed to hold it in high esteem, I felt confident and the nerves dissipated a bit (lucked out there from what I hear from other horror stories!). She pretty much agreed with everything that I had said, and even highlighted things that I had thought about mentioning but didn't in the end, although she wasn't interested in my use of PRA v Mr Segal as it wasn't directly relevant; I knew this, but that wasn't why I was using it! I tried just once to explain my reasoning, but realised that the judge was ultimately for my case and so yielded quickly on that, rather than get her back up!   The best part was when the rep knew that case wasn't going his way, he then reverted to desperate tactics and referred to the fact that I was a day late sending the stuff to PRA and that I hadn't signed their copy; judge was not impressed with this argument at all, simply saying "Well the copy I have here was filed on time and signed". Not that that would have made a difference as by that point I had already explained my case, and she had agreed. She also had a go at them for trying to file the "response statement" without permission and disregarded it (as you thought Andy).   I felt sorry for the rep, decent bloke, very polite, asked if I had any questions for him afterwards, and kept highlighting the fact that he didn't work for PRA; think he knew it was a poor case and that he would have a hard job trying to fight it.   Something he said did concern me a lot though, and that was that he "couldn't guarantee that they wouldn't try again, either by appeal or by another claim".......not sure what this means and where it leaves me!! I questioned him about there being another claim as I don't feel that an appeal would be approved (although it could I guess!) and he seemed to think that they could come after me in a claim for arrears/interest? This threw me and ruined the feeling of joy that I momentarily had! I phoned National DebtLine to get some clarity on this and they seemed to think the same thing! Then I found this online:   "However, according to Late Payment Legislation law (see ext. link 10), a creditor is allowed to charge his debtor an interest fee, if the consumer has late payments and bad debts. I.e. a debt buyer can request an additional interest payment from his debtors as a creditor, and not as a DCA. The same late payment legislation allows such interest collection to begin after a 30-days default period." https://ecollect.co.uk/wiki/debt-collection-uk/   Found similar information on other sites and even on other threads on CAG. I know you said they couldn't add anything Andy, so now I'm confused.com!!! How can they claim for arrears or interest if the debt that said arrears/interest is based on is now deemed unenforceable by a court ruling???!!! That just seems ridiculous and means that this thing will never end!!!!!    
    • Thanks Honeybee   For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement - 5/7/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 11/7/19   3 Date received 16/7/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up   7 Who is the parking company? Northern Parking Services   8. Where exactly [carpark name and town] 1 Kings Manor Newcastle NE1 2ST   For either option, does it say which appeals body they operate under. BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE     I do not think there is ANPR at this location but there are photos of the vehicle in a parking space The PCN has a "vehicle observed from"  date..... and time......  "to date..... time.....  
    • Hi,sorry for delay in respnse, just started a new job.   LBA here   Sports Direct 1st June 2019   Dear Sir/Madam, On 26th January 2019 I bought a pair of Phantom VSN in size 11 from Sports Direct Chingford. Please see my details of purchase below. ..... screen grab from bank statement of card payment .... On the 27th June 2019 I was surprised to see that the sole of the right boot had torn open at one of the rear studs, making the boots unusable. Please see picture below. ..... picture of torn sole of boot .... The Consumer Rights Act makes it an implied term of the contract that goods be as described, fit for purpose and of satisfactory quality.  I do not feel that an £85 pair of boots should fail after five months of being used for nothing other than their intended purpose. As you are in breach of contract I am rejecting the boots and request that you refund the sum paid to you of approximately £85 which I trust you will be able confirm from your records. I have bought a replacement pair of the same boots from your website on the 28th June 2019 as my son needed boots almost immediately, for that reason please give me a full refund of the original purchase price. I am today returning the faulty boots along with this letter to the Chingford branch of your store. If I do not receive your satisfactory proposals for settlement of my claim within 7 days of the date of this letter, I intend to issue a claim against you in the county court without further reference to you. Yours faithfully,   They replied by email to say this ............. Thank you for send your football boots for a further inspection.   I would like to advise you that on inspection it is our belief that the issue is due to wear and tear and not an inherent manufacturing fault. I appears that the stud had been caught on something which has caused it to rip apart from the sole.   Sadly, I am afraid for this reason we are on this occasion unable to offer a replacement or refund for your boots.   I have now returned your boots to you.   Apologies for any disappointment caused. Kind regards, ................ The boots arrived back to me today   I assume I now make a small claims claim?   Thanks Micky  
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kalijack

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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

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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.

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

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

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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

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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.

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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

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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

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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?

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

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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.

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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.

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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.

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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

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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

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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

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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

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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?

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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.

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