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    • Ok that makes sense. I have another query, if the defendant states "we will pay your costs as entitled under the court rules" how does that work? I assume this relates to the interest accrued for the duration of the case. Will the defendant calculate this sum accordingly and include it on top of the full and final settlement of the claim?
    • Even though your IVA has now terminated, it is possible that any PPI payment which you receive will have to be paid in to the IVA. Case law established that a trust is formed when you agree to the IVA, and unless there is a specific clause ending that trust upon termination of the IVA, the trust still exists. Even successful completion of an IVA does not dissolve that trust, it absolves you of the liability for those debts but the debts still exist. It is very likely that your PPI payment will be paid to the insolvency practioner and not you.   Also, if you still owe a debt to the company which you are receiving the PPI payment from, it has a right to offset the PPI award against any debt which you owe. Even if the IVA trust has ended, the creditor can take all of the PPI payment if it is larger than the debt.
    • My standard response to a “flounce”: Don’t let the door hit your backside on the way out.   Delete the thread: won’t happen, should stand as a resource for others. There are a few circumstances where the site team will delete threads but I doubt this one comes close to qualifying.   Delete your account: either there will be an option for you to do so, or you can just chose to ignore and never come back.......   It depends on if you want no more to do with here, which is in your own gift, or you want drama / attention “Delete this thread”, “cancel my account”, “Goodbye cruel website!”, when : nobody cares any longer, due to you just wanting attention. Tatty-bye.
    • I don't think we disagree BankFodder. I understood uncleb to be asking about natural justice in the context of the actions and decisons of UK courts and tribunals (English law). There is, as you say, a much wider philosophical dimension to 'natural law' but it isn't something, AFAIK, something that would be taken into account by an English court or tribunal except to the extent of the Human Rights Act.  But I'm not an expert and happy to see further information or links on this interesting subject.
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      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

Help Needed regarding unfair charges.

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Hi all ,


I'm sorry if this doesn't make sense but i haven't got a clue on which way to move forward with my claim , I'm currently unemployed and in debt by a substantial amount and could do with financial help so a friend informed me she recently managed to get hold of the last 6 years of her statements and highlight every time she'd been charged and send it off using the template she found but the natwest one , and informed me that i sould do the same , i have recently read through the site and called the informed number at the bottom to find out more info and the lady at the other end informed me that they'd send me all the forms i need to claim back any charges but I'd need proof of anything/ everything for the last 6 years to claim.


With me not having such information I'm unsure how to pursuit when the forms come to me , sould i go and ask for the 6 years worth of statements from my branch and post the letter from the above site or can anyone inform me of how to handle this.


Any help would be muchly appreciated

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we carry all the necessary templates on the site. Go to our library and you will find what you need.


You need to send an SAR which requires that they provide you with all the information you want within 40 days. They have a statutory obligation to make this disclosure to you under the data protection act. It will cost youu £10.


You can use the SAR template for any bank or any other institution that you have had dealings with.


One thing of importance -- you have not been correctly informed about claiming six yearss. You can claim as far back as 1995 so if your account history takes you back beyond six years then make sure you get all of your data as far back as it goes and in any form. If your SAR limit itself merely to statements then you may well find that you will get six years worth of statements and a letter saying that they don't hold statements going any further back. This may be true. However they hold your account information in other forms going back a very long way.


Get everything and get claiming

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