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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
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    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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losingmycool

Closure of account and ombudsman

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Has anyone had any sense out of the ombudsman regarding closure of accounts? I have just come off the phone to Alliance and Leicser and they say they have "voluntary" closed the account but I cannot reopen it until the outcome of the test case!! I have made a claim against Barclays and I hope they dont do the same thing as I do not have the money to repay the overdraft!

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Has anyone had any sense out of the ombudsman regarding closure of accounts? I have just come off the phone to Alliance and Leicser and they say they have "voluntary" closed the account but I cannot reopen it until the outcome of the test case!! I have made a claim against Barclays and I hope they dont do the same thing as I do not have the money to repay the overdraft!

 

Hang on they have voluntarily closed the account??


.

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

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Exactly! I didnt really get the drift of what the woman was talking about, being very awkard, they said the account was closed, it would not go against my credit rating but basically incase I decided to try and claim any future charges they closed the acccount!

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Exactly! I didnt really get the drift of what the woman was talking about, being very awkard, they said the account was closed, it would not go against my credit rating but basically incase I decided to try and claim any future charges they closed the acccount!

 

Have you claimed bank charges?

Have you got what she said in writing?

Ask for a final response in writing.


.

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 I made a claim and got the charges back about 6 weeks ago but the final response did not say the account would be closed, basically there were £100 in charges pending which I did not think would be added as they were for the period before the claim was settled, but had not been debited. I had £250 o/d which I planned to pay that off, but then the £100 charges got taken out AGAIN so I was then over the limit without knowing, as I had cancelled all d/d's etc I did not bother checking the account and I was back in the same boat without knowing, I dont know if this is the reason behind the4 closure, I have had nothing it writing and when I spoke to the lasy initially she claimed I had spoken to somebody on the 27th July, and I have never spoken to anyone by phone at all!

 

I hope this makes sense! Confused.com

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Fantastic news for a few reasons:

 

"16. Before closing a personal current account of a customer in financial difficulty, the firm might offer the customer a basic bank account, if this is a facility that the bank offers."

 

and:

 

"(18 ) the firm must not close accounts or threaten closure of accounts of customers when it might reasonably appear that this is for the purpose (or with the intent) of penalising customers that have complained about unauthorised overdraft charges for having complained, or deterring future complaints from these customers or others. For the avoidance of doubt, the firm may close accounts or threaten to close accounts where there is good justification for doing so based on the circumstances of the particular case;"

 

Now technically from your post, as your aren't that bothered, then it isn't a major issue since they refunded the charges, haven't as such closed it until the conclusion of the OFT test case and you use another account. However, had it been your only account then that is a different issue.


.

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

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Fantastic news for a few reasons:

 

"16. Before closing a personal current account of a customer in financial difficulty, the firm might offer the customer a basic bank account, if this is a facility that the bank offers."

 

and:

 

"(18 ) the firm must not close accounts or threaten closure of accounts of customers when it might reasonably appear that this is for the purpose (or with the intent) of penalising customers that have complained about unauthorised overdraft charges for having complained, or deterring future complaints from these customers or others. For the avoidance of doubt, the firm may close accounts or threaten to close accounts where there is good justification for doing so based on the circumstances of the particular case;"

 

Now technically from your post, as your aren't that bothered, then it isn't a major issue since they refunded the charges, haven't as such closed it until the conclusion of the OFT test case and you use another account. However, had it been your only account then that is a different issue.

 

:shock: Where is this golden nugget of info from?! This helps me no end!

 

Sorry for butting in losingmycool, best of luck to you :)


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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:shock: Where is this golden nugget of info from?! This helps me no end!

 

Sorry for butting in losingmycool, best of luck to you :)

It's from the FSA Waiver on bank charges. It is on my signature on MSE but not here.


.

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

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Many thanks for that, do you thinks its worth me writing to them to try and get it reopened? I wanted to use their account as it has a good rate for credits

 

Im lost with all this legal stuff!

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