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

    • OK, I found the letter I was looking for:     Dear Sir/Madam,   Reference: [order number]   On [date], I placed an order for a [item] and it was delivered by you on [date].   I have discovered that the [item] has the following problem: [give details].   The Consumer Rights Act 2015 makes it an implied term of the contract that goods be as described, of satisfactory quality and fit for purpose.    Any returns policy that says I have to cover the cost of returning items must only relate to the situation where I change my mind about the item ordered and not where there is a problem with the item.    I should not lose out financially as a result of your breach of contract and accordingly all costs of returning the item should be met by you.    I also require you to confirm you will arrange for [the item] to be collected.   I look forward to hearing from you.   Yours faithfully, [Your name]
    • Pleased to hear that.   A general comment, for future readers of this thread, from my experiences of being an Executor.   Most large companies have a centralised 'Bereavement' department and I've found it's best to notify the death to them rather than the general customer service call centres. Search the company's website for 'bereavement'.   The bereavement departments are in my experience staffed by people who understand the processes when someone dies both for the relatives/executors and within their own companies and they get things sorted efficiently. (I've never had to use Vodafone's though).
    • Hi All, A simple question really. I received a NTK ticket on a lease vehicle last year from Parking Eye. As expected, they were adamant i was at fault and no payment was made. I highlighted to them that their signage no longer had planning permission and this was ignored however since ignoring this, they have gone quiet and have been for roughly 6 months now. I know they can claim for up to 6 years(??) after. As it was a lease vehicle, the RK was the lease company. PE were provided my personal address and had been communicating with me via letter there. I have now moved house and what i would like to avoid is them issuing court papers, something which i know PE like to do, me not being aware and eventually ending up with a default CCJ against my name. I appreciate i could write to them and update my address with them however i worry this may "Wake them up" a bit regarding my case. What is the best approach here?
    • Forget the warranty that means nothing and a warranty does not replace or over rule your rights under CRA amongst other consumer legislation. which state that outside of 30days but within 6mts its the sellers that is responsibility to confirm the item faulty, which has been done.   contact amazon with that proof and demand a replacement, refund or repair as they feel fit.        
    • Thanks BN   I take it this is a good sign then like you say. I certainly won’t be making any payments to them.
  • Our picks

    • 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/
      • 8 replies
    • 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 
        • Like
      • 12 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
bsj

Bank charges from benefits

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3999 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

I want to help a very dear friend claim her charges back from her bank,the total at the moment stands at £89 in charges.

I have printed off the hardship letter template and the income and expenditure spreadsheet.

Having not done this before i could do with a little advice before i embark on this mission.I don't want to get anything wrong.

The charges have been taken from her child benefit,but she is also on JSA,after her and her husband lost their jobs earlier this year.

It's alot of money for them to lose under the circumstances.

Edited by bsj

Share this post


Link to post
Share on other sites

I've moved you to the hardship forum, you should get some more help here.


Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Share this post


Link to post
Share on other sites
I want to help a very dear friend claim her charges back from her bank,the total at the moment stands at £89 in charges.

I have printed off the hardship letter template and the income and expenditure spreadsheet.

Having not done this before i could do with a little advice before i embark on this mission.I don't want to get anything wrong.

The charges have been taken from her child benefit,but she is also on JSA,after her and her husband lost their jobs earlier this year.

It's alot of money for them to lose under the circumstances.

 

If you come back I can advise. Please come back and tell us which bank

  • Haha 1

.

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
I've moved you to the hardship forum, you should get some more help here.

 

 

Thank you,i did'nt realise i posted in the wrong forum:-?

Share this post


Link to post
Share on other sites
Thank you,i did'nt realise i posted in the wrong forum:-?

 

NP - the hardship forum is well hidden ;)


Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Share this post


Link to post
Share on other sites
If you come back I can advise. Please come back and tell us which bank

 

 

Hi yourbank,it's the abby national,they have an awful attitude in the bank.

 

I went in with my friend to speak to them,i took a copy of the right of appropriation with us,they just did'nt care that were actually taking money that would feed her child.

 

We did go to the CAB and they informed the bank should not be taking these charges.

 

I would be very grateful for any help.

 

I have given her the spreadsheet for income and expenditure to fill in,while i waited for some advice here,she also has the template letter so it's ready to go.

 

I just don't want to make a mistake any get anything wrong on her behalf.

Share this post


Link to post
Share on other sites
NP - the hardship forum is well hidden ;)

 

I'll look harder next time,love your avitar,i feel like that most day's:)

Share this post


Link to post
Share on other sites
Hi yourbank,it's the abby national,they have an awful attitude in the bank.

 

I went in with my friend to speak to them,i took a copy of the right of appropriation with us,they just did'nt care that were actually taking money that would feed her child.

 

We did go to the CAB and they informed the bank should not be taking these charges.

 

I would be very grateful for any help.

 

I have given her the spreadsheet for income and expenditure to fill in,while i waited for some advice here,she also has the template letter so it's ready to go.

 

I just don't want to make a mistake any get anything wrong on her behalf.

 

Ok firstly we need to take a step back first but you are very prepared, which is good.

Has the account been opened since 2001?

Are these the first charges you have incurred on the account?

The problem I have is that if the charges are merely £89 then it isn't a financial hardship claim to be honest.

However the bank should refuse to allow you to take some of the benefit from the amount even if the account was overdrawn because of the "treating customers fairly" which the FSA has instilled into the banks. In fact, I have it on good authority that the FOS would not look too kindly at the fact that they effectively said, you cannot have even 1p of the money.


.

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
Ok firstly we need to take a step back first but you are very prepared, which is good.

Has the account been opened since 2001?

Are these the first charges you have incurred on the account?

The problem I have is that if the charges are merely £89 then it isn't a financial hardship claim to be honest.

However the bank should refuse to allow you to take some of the benefit from the amount even if the account was overdrawn because of the "treating customers fairly" which the FSA has instilled into the banks. In fact, I have it on good authority that the FOS would not look too kindly at the fact that they effectively said, you cannot have even 1p of the money.

 

Thank you,it's the reason i came to ask for help,i don't want to run before i can walk.

 

The account was opened pre 2001.

Charges were incurred on the account for an returned DD in January.

The bank did send a letter telling her they would waive the charge as it was her first.

The second charge was the same circumstance but because they waived the charge in Jan they were not prepared to do waive this one.

She has stopped using the account and has opened a post office account to have her benefits paid.

There is no authorised overdraft on the account.

Doe's it have to be above a certain amount to be able to claim the monies back?.

Share this post


Link to post
Share on other sites
Thank you,it's the reason i came to ask for help,i don't want to run before i can walk.

 

The account was opened pre 2001.

Charges were incurred on the account for an returned DD in January.

The bank did send a letter telling her they would waive the charge as it was her first.

The second charge was the same circumstance but because they waived the charge in Jan they were not prepared to do waive this one.

She has stopped using the account and has opened a post office account to have her benefits paid.

There is no authorised overdraft on the account.

Doe's it have to be above a certain amount to be able to claim the monies back?.

She can claim bank charges at any time but the case is not a financial hardship case since even by a definition within the FSA Waiver Annex 2 it states that £500.00 over a 12 month period could be indicative of financial hardship. From post 1 it isn't but if she gets the first letter in then her claim is acknowledged and will be settled on the conclusion of the OFT test case.


.

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
She can claim bank charges at any time but the case is not a financial hardship case since even by a definition within the FSA Waiver Annex 2 it states that £500.00 over a 12 month period could be indicative of financial hardship. From post 1 it isn't but if she gets the first letter in then her claim is acknowledged and will be settled on the conclusion of the OFT test case.

 

Thank you,Well i guess we'll put in the claim for the charges and at least she'll be in the queue so to speak.

The outcome of the bank charge case won't be known untill october,is that correct?

The above info is very interesting i'm grateful to you for providing it.

Something else i learnt today,and we all know what they say about a little knowledge;).

Share this post


Link to post
Share on other sites
Thank you,Well i guess we'll put in the claim for the charges and at least she'll be in the queue so to speak.

The outcome of the bank charge case won't be known untill october,is that correct?

The above info is very interesting i'm grateful to you for providing it.

Something else i learnt today,and we all know what they say about a little knowledge;).

The current part of the law case is about whether the charges can be assessed for fairness and not if the charges terms themselves are fair so we are nearly 50% through.


.

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

Fingers crossed the final ruling is in favour of the consumer and not the banks.

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...