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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
mountainofdebt

Have I opened a can of worms?????

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After reading about the possibility of getting all bank charges refunded hubby wrote (well I wrote, hubby signed!) to Natwest asking for all bank charges to be refunded etc....the total being about £2800 - not a small sum and that's without interest.

 

However as he's got a business account with them also, his personal account (as well as mine and our joint account) is looked after by his business manager.

 

Following receipt of the letter we sent, a copy was faxed to her and she rang him today to discuss it but he told her to ring me - thanks hun!

 

Anyway what line is she likely to take and will the letter ultimately cause problems with his business account???

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Guest stephen

open another account with a different bank for your business and yourself to be on the safe side, plus that way your get free business banking.

 

i dont think most banks are closing people accounts plus they have to give you 14 days notice,

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Hi,

 

I am about to do exactly the same thing with Natwest. I have a joint account and also a business account. The personal account last year was frozen due to spiraling debt probs. I had an agreed o/draft limit of £5500 and was within that but have a debt management company handling my debt. Unfortunately they sent a letter to my bank stating that i would only be bale to pay them £20 a month to reduce that overdraft.

My business manager informed me that they MAY use funds from my business to pay my personal debt and other variuos threats. Eventually i agreed a refgular payment and eventually they converted the o/draft to a loan.

I now want to get my money back - i paid a lot of fees for cancelled dd's and unpaid cheques over a period of several months but dont want to cause issues with my business account.

 

Would be very interested in the outcome from your letter.

 

Have now separated our accounts so that my p[rtner has an account with Barclays (going to start on them soon an thats another story)

 

:?


Bank Claim Result

NatWest £2051 UnGagged myself. They paid up in full:D

Barclays £641.81 Settled in full.:D

MBNA AOL £390 account credited

MBNA Card £880 account credited

MBNA Loan £115 LBA 03/07

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Well the only thing I've heard so far is a letter we've received from the business manager apologising for the delay but hope to get back to us in the next fortnight.

 

Oh well the clock is ticking as they say!!!

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Best of luck with Natwest.

 

I think my situation is pretty similar - i have so far calculated fees of around £1200 and am waiting on a missing couple of statements.

 

I dont think they will close my business account (would probably go bust and have to sue!!)

 

Will hopefully get my first letter away this week then sit and wait for the flak.

 

Have then got around £800 to claim from Barclays on behalf of my partner - situation there is ridiculous - cant get an overdraft until the account is clear for three months cant get clear cos of referral fees every month.

 

Guy :?


Bank Claim Result

NatWest £2051 UnGagged myself. They paid up in full:D

Barclays £641.81 Settled in full.:D

MBNA AOL £390 account credited

MBNA Card £880 account credited

MBNA Loan £115 LBA 03/07

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My initial letter to Natwest was received on 4th February and on the 8th my hubby's business manager wrote to him saying that she hoped to respond in full or if she couldn't do this, provide him with an update within a fortnight (so up on the 22nd).

 

Personally I doubt this will happen so where do he (or should that be me?) go from here, bearing in mind that the 40 days time limit to receive the info requested is not yet up?

 

Also if and when the time comes I presume we send the claim papers to the registered address in - can someone please confirm?

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My initial letter to Natwest was received on 4th February and on the 8th my hubby's business manager wrote to him saying that she hoped to respond in full or if she couldn't do this, provide him with an update within a fortnight (so up on the 22nd).

 

Personally I doubt this will happen so where do he (or should that be me?) go from here, bearing in mind that the 40 days time limit to receive the info requested is not yet up?

 

Also if and when the time comes I presume we send the claim papers to the registered address in - can someone please confirm?

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You could write to him and express disappointment that he hasn't managed to reply as promised and is he intending to do so or are you to take his failure as a refusal.

 

When you send the Good News, address it to the Branch


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You could write to him and express disappointment that he hasn't managed to reply as promised and is he intending to do so or are you to take his failure as a refusal.

 

When you send the Good News, address it to the Branch


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I sent Natwest a letter asking for details of charges as per the library letter a few weeks ago which was replied to stating that the charges were fair and reasonable but they were waiting for all the copies of the statements to give me the info.

 

Anyway I waited two weeks and then wrote another letter stating that I was still waiting for the info but I had calculated that the unfair charges amounted to £2300 and that if I didn't receive payment within 14 days I would proceed with legal proceedings.

 

I have now received a letter from them again saying that they again consider the charges are fair and reasonable but that to provide the information requested I need to pay them £10 - which I understand is allowable.

 

Given that I have stated a figure in my 2nd letter, would it would be acceptable to reply stating that I no longer require details of the charges levied against the account since I have the statements to hand (even though they were told this in the 2nd letter) and will start legal proceedings should I note receive payment within 7 days (as a week has now passed)

 

thanks in advance.

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If you have a deailed list of charges, then I suggest that you take it a bit cooly.

Send the prelim letter first 14 days

then letter before action 14 days

then the claim


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I think Nat West do play for time. I have a small potential claim against them for an account where charges stopped just over 6 years ago. I no longer have any account details except for a solicitors letter. To cut a long story short Nat West are deliberately being unhelpful in sorting out the account details in the hope of running out the clock. I think this is one instance where I will take the Stephen approach and sue for an estimated amount.

 

In short, I think you have to be quite aggressive to get Nat West to respond, particularly if they can save money by delaying things.

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You just follow the steps 1,2,3.

Don't be diverted or interrupted.

Set the pace. They can catch up if they like. It's up to them


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Natwest wrote to me asking for the £10 to provide details of the charges; sent the £10 last week with the cheque clearing on Monday of this week.

 

Came home last night to a letter from a department called the Retail Regulatory Risk stating that the requested information is ready and could I send £10 for the release of the information....argggggggggggggggg!

 

So today I spoke to the business manager who deals with our account and she has denied ever seeing the cheque/letter......so how the hell did it get cashed then - especially as she said she was specifically looking out for it!!!!!

 

So where do I go from here - do I sue on the basis of my figures (and if so can I claim my £10 back or should I wait until Natwest pull their finger out????

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I'd get a copy of the statement showing where you check has cleared, send it to the business manager, and tell her to send info asap.

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Spoke to the business manager today and apparently she has spoken to the retail regulatory risk department and they are sending the details in the post today - so in the space of 48hrs we have gone from give us £10 and then we'll give you the info, to we haven't seen your cheque to the info is on its way.

 

The business manager also mentioned that the matter is now out of her hands and that all communicaton should be sent to the above department ......has anyone else had communication from this department so is it just me?

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That is the only dept I have dealt with. I sent the DPA Request there as it is the dept mentioned on the address for the DPA Manager in this forum. Let us know how you get on!


Ex CAG helper ^_^

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I know I can sue for the charges that were levied for returned, unpaid, direct debits but what about these:

 

1. referral charges (what ever they are)

 

2. Unauthorised borrowing monthly fees

 

 

I'm guessing that (1) is ok to claim for but not sure about (2).

 

Oh and of course interest on the charges!

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I think 2 is OK as well. They're a penalty for going overdrawn/ over your limit.

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what about the interest

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I've had a really cr@p day at work - even hubby was gobsmacked at my day, so its not female hormones running wild! - and as I can't kick the cat..........

 

Having looked in the library section, it gives the sort of wording that I need to put on the claim form but - and I finally arrive at the question I need answering ! - do I need to know the date hubby signed the agreement opening the account can I just say that he has a contract with the bank that is operated on their normal terms and conditions?

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Was busy filling in the particulars of the claim and after I had done that the form asks do I wish to reserve the right to claim interest...which I do.

 

Anyway it then throws up a box telling me that I need to quote something in the claim box but this speil mentions a daily rate. Do I need to quote a daily rate and if so how do I calculate it?

 

Looking at a claim for £2130 plus interest.

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2130x8% divided by 365 days = xx pence per day


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Thank you very much for the quick response.

 

I can (finally) finalise the claim this weekend and get that clock ticking!

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do bank holidays count in terms of the 14 days that the Natwest has to respond/issue a defence??

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