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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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DDWales

DDWales vs Natwest ***WON***

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Im going to start my NW reclaim process next week but need a few answers please!

1. I have both a bank account and Mastercard. Do i send the SAR regarding both to this address?

 

Customer Relations Services Unit

1st Floor Drummond House

Redheughs Avenue

South Gyle

Edinburgh

EH11 9JN

 

2. A little confused regarding reclaiming charges from the bank account (not Mastercard side). I am aware the OFT case has no barings on the Mastercard (just been refunded of charges plus interest with Barclaycard:)) so will press on there regardless.

My quiery is regarding the bank account changes. On the other bank forums Caggers have gone through the Prelim then LBA stages and have been successful in getting refunds. On this forum it seems that the general advice is that Natwest will put the claim on hold and thats it-nothing more you can do unless you go to Small Claims?

 

Any advice much appreciated

Edited by DDWales
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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Bump :)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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1) no----see the stickies at the top of the forum re SAR

2) All banks will put a stay on a claim since July 2007.


.

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

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Bank accounts here

 

Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

GOGARBUREN

P.O.Box 1000

EDINBURGH EH12 1HQ

 

As YB states a stay will be imposed but you will be gaining interest from the moment you submit your summons

 

 

Andy


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Cheers both.

Just to update. SAR sent today by recorded delivery. Will keep you all posted


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Using Track and Trace it states that the letter was delivered form the Edinburgh PO Collections office 2 days ago but not signed for as yet by Natwest! :eek: Is this normal!!??


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Update. Sent SAR regarding A/C and Mastercard last week via recorded. Statements arrived this morning..only had statements back regarding the Current A/C though. Hopefully the Mastercard stuff will arrive shortly... Going to send the Prelim off with table of charges but just noticed a default notice fee. Can i reclaim that too?


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Update. Sent SAR regarding A/C and Mastercard last week via recorded. Statements arrived this morning..only had statements back regarding the Current A/C though. Hopefully the Mastercard stuff will arrive shortly... Going to send the Prelim off with table of charges but just noticed a default notice fee. Can i reclaim that too?

Yes you can


.

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

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Yes you can

 

Cheers yourbank. Will send this off today. Just waiting for the post to arrive for those Mastercard charges now.....:)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Prelim sent with table of charges. Still waiting for the Mastercard stuff though....:rolleyes:


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Update. A/C Prelim letter giving the standard bog off approach so LBA off soon.

 

Mastercard info back though :) A few questions...

When i recently reclaimed with Bcard they paid up pretty quickly. I was advised not to reclaim interest however as they would just prolong things and that they would put on interest anyway (which they did:):grin::wink:).

Do the same for Natwest?

Also, how are Natwest in terms of paying out on thier CCds. As good as Bcard or will they try and drag things out to court?

 

Any opinions appreciated :p


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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NatWest/RBS usually pay up after 3 letters on credit card claims ;)


.

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

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NatWest/RBS usually pay up after 3 letters on credit card claims ;)

 

Nice :D Prelim off for that soon. :) Do you reckon i should put interest on as per the above post or just leave it? And will they add on interest anyhow ala BCard?


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Nice :D Prelim off for that soon. :) Do you reckon i should put interest on as per the above post or just leave it? And will they add on interest anyhow ala BCard?

Definitely with interest


.

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

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Tidy. Will get down to it and keep updating. Cheers YB :)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Right. £314 in charges plus interest=£391.90. Prelim letter going off on Monday recorded delivery! :)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Just a quick question regarding the Mastercard.

In the stickies, the address for the Prelim letters is in Edinburgh. This address seems generic for A/C and Ccard's. However, the response i had for the Mastercard charges was from Credit Card Services in Southend on Sea. Just wondering whether the Prelim should be sent there instead of the Edinburgh add? ;)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Just a quick question regarding the Mastercard.

In the stickies, the address for the Prelim letters is in Edinburgh. This address seems generic for A/C and Ccard's. However, the response i had for the Mastercard charges was from Credit Card Services in Southend on Sea. Just wondering whether the Prelim should be sent there instead of the Edinburgh add? ;)

Southend on Sea ;)


.

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

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Southend on Sea ;)

 

Nice one YB :)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Mastercard Prelim sent recorded. Am sitting on the LBA regarding the A/C but will be going off when i have 5.


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Nothing from Natwest after the Prelim was sent. Using Track and Trace,- the letter was signed for on the 21st. LBA time i think....;)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Thanks Yourbank for the PM. LBA sent off recorded today. Lets see what Natwest come up with..


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Interesting... Had a reply to the above this morning (at last). Not bad considering I sent my prelim off in the middle of last month and it was signed for on the 21st of August:rolleyes:

Ive got the standard bog off letter as expected offering me around £50. Too bad as ive already sent the LBA off on the 13th of September and theres no chance i'll take that as they owe me nearly £400!:)

 

What is interesting though is that they've offered to put the £50 odd quid into my account. The account is with Intrum Justitia.... Would I be thinking they want to give it to them? If so thats not going to happen!!

What you guys think thier up to?


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Another update!

Had another letter this morning upping the amount offered to pretty much the full amount which im happy to accept :).

But to reiterate from the last post,- the account is with the lovely people at Intrum Justitia ;) and NW want to credit my account! Now im guessing that they ethier dont know where my account is or with whom or that they are going to give it to I.J-thats not going to happen!!!!!!!!

What next? I obviously dont want to speak to ethier on the phone but would like a cheque sent to my home address. Is it best to write to them and state that i accept the offer but ask for a cheque to be sent to me? Should i even phone NW??

Im a little confused as to the next step. Cheers! :)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Another update!

Had another letter this morning upping the amount offered to pretty much the full amount which im happy to accept :).

But to reiterate from the last post,- the account is with the lovely people at Intrum Justitia ;) and NW want to credit my account! Now im guessing that they ethier dont know where my account is or with whom or that they are going to give it to I.J-thats not going to happen!!!!!!!!

What next? I obviously dont want to speak to ethier on the phone but would like a cheque sent to my home address. Is it best to write to them and state that i accept the offer but ask for a cheque to be sent to me? Should i even phone NW??

Im a little confused as to the next step. Cheers! :)

 

Correct, and i assume you no longer have an account, insist on cheque to you in your acceptance.

 

Regards

 

Andy


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