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

    • What happened BRS, contacted me after the accident and wanted to repair the damage i agreed i told them don't you want to go through the insurance they said no !. I said ok you can repair the damage, they asked me for more details about the damage so they could post the job on mybuilder.com. Anyway i emailed them giving them details of the damage and they never replied and ignored me.   It was only when i done a askmid and got the insurance details of 2 policies running on the vehicle and contacted Allianz the first on the list, BRS contacted me saying sorry for the lack of communication i went on holiday and left it with another staff member who failed to contact you.   BRS offered to say they want to repair the damage i said "NO" you messed me about the first time and now i want the security of going through the insurance.     I did give them one last opportunity under my terms i told them to pay ***** (fair amount)into my account and that would settle the matter and i would sign a agreement that the damages are paid in full. There reply was "that is not how we do things here and to contact their insurance" and conveniently never gave me the insurer responsible.
    • Check this and read about a Notice Of Correction     
    • There can be many reasons for dual insurance, depending on the use of the vehicle, certain hires, contracts etc, - nothing our of the ordinary there, just get the firm to confirm which one, as above don't let them dictate, they are in the wrong.    I would use you own insurers , and always advise this in cases where there is an impact claim for a  wall or similar.    Reason being is the third parties liability is for indemnity only which realistically is to pay for the damaged part of the wall and that only, they don't even have to pay for a builder, just the cost to repair, leaving you to deal and fend for yourself.    Your home  insurance cover will be on a new for old basis, giving further allowance if there any grey areas in regards to block matching, matching items (say for the welding) potential wear and tear contributing etc,    - more chance of getting more of the wall done than just the section that is damaged - plus it gives you a much better right of recourse if anything goes wrong, especially if you get a cash settlement or they use dodgy bob the builder.    Your insurer will want the third party details and will chase the responsible underwriter for their recovery, you may be able to piggy back on that. The reason for their hesitance in confirming about claiming back the XS will be due to the fact they are a home claims team and don't do an awful lot of recovery of losses compared to a motor claims department, and generally don't have as much experience on a day to day basis (or certainly not the front line staff). 
    • Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 
    • considering it expires in Jan 2021 it looks like it has 2 insurances policies running on it at the same time, What a farce! each insurance company could blame one another this shouldn't be legal, but it looks like it is.
  • Our picks

    • 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 
      • 6 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
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
meme23

meme23......Help with unpaid item fees, please.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3987 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

Hi, I am also new to this site and had a trawl through the relevant info I could find. However, I was wondering if someone could answer my advice on some unpaid item fees have received.

 

These all occurred on the same day for 2 direct debits I had set up (both to the same company).

 

As I knew these were due around this period (they are not on the same day every month) I checked my account daily through internet banking.

 

On the day these D/Ds were coming off I transferred money into the account to cover the costs. This happened instantaneously.

 

However, a few days later I received a letter saying that these items were returned as Unpaid Items Fees.

 

 

I checked my balance and, sure enough, the money had not come out of my account.

 

I phoned up the bank about this and they told me that as D/Ds take a few days to ‘go through’ the money had to be in the account a few days in advance. They also informed me that if I’d phoned up the bank on the day they could have prevented these charges.

 

However, there were unwilling to remove these charges. Charges which would amount to 2 x £38, almost 4 times the D/D amount.

 

To me, this makes internet banking pointless. One of the reasons I have it is because I thought that instantaneous transfers between accounts would prevent me from accruing charges.

 

Aside from this issue, I do not see what the charges are actually for. I could understand it if it had taken me overdrawn but the D/Ds were not paid (the service these were to pay for has been temporarily withdrawn due to non-payment, proving that this is the case).

 

As far I can see the bank has provided me with no service for this (apart from sending me a letter). On this basis I do not see what the charges are for...

 

I am hoping that someone could explain the bank’s reasoning behind this (if there is any) and whether this is legally fair? Also, was the response I got a particularly likely one or was I just unlucky? If so would it be worth speaking to them again, perhaps going in person?

 

Any help on this matter would be greatly appreciated.

 

P.S. I normally have sufficient money in this account to cover direct debits in advance, this month was something of an exception. Also, I have never received a charge for this account. I had one revoked for another account but that was a while ago now – not exactly sure when.

Share this post


Link to post
Share on other sites

Hello and Welcome, meme23.

 

I'll move your post and mine to start a new thread for you.

 

I take it the bank is Natwest.

I'd phone them again and ask for the charges to be refunded, worth a shot.

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

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

I think it may be worth explaining the circumstances surrounding the issue of the funds not being available until the day the DD's were due out and the amount of the DD's themselves and ask if they would refund them as a gesture of goodwill.


.

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

Not Natwest, my bank is RBS (for now!)

 

I did phone them but had no success. I think I might go in and see them in person... sometimes that makes it harder for them to be b*****ds.

 

I'm not sure if reclaiming my charges is worth it either as I have had very few during the last 6 years. For all I know I may only have these - which amount to just under £80.

 

Also, several of the threads on this site suggest that unpaid item charges are legal (and therefore less easily refunded) - is this true?

 

Best wishes,

Tom.

Share this post


Link to post
Share on other sites

Thread moved to RBS forum.

  • Haha 1

[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

Help the CAG!!

Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

Forum rules. Please read these before posting

 

PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE

Share this post


Link to post
Share on other sites

Hi, just to let you know I went into the branch and they decided to remove the charges. Guess I'm getting better with the old jedi mind trick!

 

Thanks for the advice anyway.

 

Tom.

Share this post


Link to post
Share on other sites

Good stuff, Tom.

 

Glad you got it sorted :)

 

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

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...