Jump to content
  • Tweets

  • Posts

    • Hi all,   It's been a while since I last posted.   We were due to fly LHR - Mex - Lap (return) with AeroMexico on May 2nd.   The flights were booked with Netflights (owned by dnata).   We have requested a refund from Netflights who have stated they will only issue our refund when (and if) they receive a refund from AeroMexico. 😡   Can anybody tell me who my contract of sale is with, Netflights or the airline?   Is this even relevant?    Who should be refunding me?   Thank you for any help.   Regards.
    • All Talk Talk Direct debits/standing orders, etc were all cancelled correctly and set up for BT. Talk Talk took the money from my debit card details which they had retained. I have now blocked this too. I just want my money back!
    • On the basis it was a direct debit from the bank. Why did you not use the DD guarantee and insist the bank refunds the money.     
    • Basically i can claim for my excess and loss of earnings as i was self employed and cost for hire of van, solicitors have asked for uninsured losses, if lossess are not included in claim i cant recover them at later date the letter states.  
    • Hi All,   On 26th May this year I called my broadband/phone service provider, Talk Talk, to inform them that I would be leaving them and moving to BT at the end of the month.  My contract with Talk Talk had officially ended back in October 2019 and I was just paying them on a monthly basis for continued service. I was advised that I did not need to do anything, as arrangements would be made on my behalf to keep my existing number etc between Talk Talk and BT.  I began my contract with BT on 1st June.  I cancelled my bank payment arrangements to Talk Talk and set up new ones for BT. I then received a bill from Talk Talk for June's monthly charges, which I ignored as I was no longer a customer, I owed them nothing, and they were not providing me with any kind of service. I then received a second bill from Talk Talk for July's monthly charges. I called Talk Talk to explain their error but they insisted that I was still a customer using their services.  This was despite me proving that I have been a BT customer for the past two months and paying BT for services that Talk Talk are claiming to be theirs. Talk Talk then took £60.39 from my bank account on 2nd August, despite having no authority or consent from me to do so.  I complained to my bank and they explained that utility companies hold on to customers payment details (despite GDPR) and this practice is common.  I have now instructed my bank to refuse any further payments to Talk Talk, by any means!. I phoned Talk Talk to complain and insist they repaid my money immediately as it had been obtained fraudulently and they are not providing any service to me anymore.  The adviser couldn't help much, but promised me a call from a manager later in the week.  The call never materialised. I called Talk Talk myself today, and after nearly four hours of phone calls, being put on hold, transferred, being made promises and making more calls, I have got nowhere. One manager did offer a token £30 payment which I obviously turned down.  I eventually hung up after being put on hold for over 20 minutes during a call lasting over an hour. These people are ignorant at best and impossible to deal with. Please could someone advise me on how to get my £60.39 back from these people?  
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 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 
      • 16 replies
toasted

Toasted v A & L

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3896 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

New to the site. Thanks for the info on this site, very useful. I was not made aware of the oft test case by the financial ombudsman last week when i complained. A and L have placed a default on my credit file for non payment of fees made up entirely of bank charges imposed on a dormant account . I have given them until monday to remove it or face court proceedings. Will keep you posted.

Share this post


Link to post
Share on other sites

Hello and Welcome, Toasted.

 

I'll move your post and mine to start a new thread for you in the A&L Forum.

 

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

spoke to A&L this morning. They will not lift the default notice on my credit file despite the 'debt' being made up entirely of back charges. I have requested my data from them on the phone. Should i make this request by letter so i can prove it. They conveniently dont have an email.... My question is, i am ready to make an application to the court but will the courts make them remove the default until the test case is resolved? The banks have achieved a stay on claims, will the courts confer the same benefit to account holders who want a stay on defaults?

Otherwise there doesnt seem much point in applying.

Share this post


Link to post
Share on other sites

Forgot to say, they account has been closed by A&L and the 'Debts" written off. They wont even give me the opportunity to pay the disputed charges to clear the default (obviously on a without prejudice basis) Experian have registered a 'disputed 'note to the entry, should i still write and put them on notice.?

Share this post


Link to post
Share on other sites

I thought i would update you all. I am in communication with experian regarding their dissemination of wrong information on my credit file. it seems that section 13(6) of the banking code does not apply to non default marks. My file is marked with 3+ late payment mark. However, as my late payments were in excess of 6 months, according to the information commisioners guidance, it must be marked as a default rather than a non default. its back with Experian for their further consideration..... I am cautiously optimistic...

Share this post


Link to post
Share on other sites

Keep us posted, good luck.


 
 

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

It seems that some lenders are marking credit files with late payment markers rather than as a default, as this would prevent borrowers from getting protection under section 13(6) of the banking code ie. that the matter is in dispute and should not be referred. If anyone is having this problem, get in touch, i may be able to help you.

Share this post


Link to post
Share on other sites
It seems that some lenders are marking credit files with late payment markers rather than as a default, as this would prevent borrowers from getting protection under section 13(6) of the banking code ie. that the matter is in dispute and should not be referred. If anyone is having this problem, get in touch, i may be able to help you.

 

How?


.

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

Share this post


Link to post
Share on other sites

hi, do you have a non default mark against your credit file? how many months missed payments do you have?

Share this post


Link to post
Share on other sites
hi, do you have a non default mark against your credit file? how many months missed payments do you have?

 

0 and 0, but it was a strange comment to make that is why I asked the question how.


.

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

Share this post


Link to post
Share on other sites

because i have done a lot of research on non default marks against credit files which i can pass on to others in this situation. Not so strange perhaps.

Share this post


Link to post
Share on other sites
because i have done a lot of research on non default marks against credit files which i can pass on to others in this situation. Not so strange perhaps.

OK, cool, can you post it up?


.

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

Share this post


Link to post
Share on other sites

yes, but to just identify sources does not really help much when circumstances vary so much. Mainly from the Banking code - guidance for subscribers and cross referencing to the Information Commisioner's guidance, particularly with reference to what constitutes a 'default'.

 

Happy to help anyone who might need specific info for their case.

Share this post


Link to post
Share on other sites

SUCCESS! A and L have backed down and removed the three late payment markers following the service of my amended particulars of claim. They did this the day before their defence was due. My credit rating is now restored to its former glory.

 

I obtained a lot of help and advice from this site and will be making a donation.

 

Thanks to everyone.

 

Toasty

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...