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    • UncleBulgaria - Yes we agree there is a debt but we disagree with the amount.   dx100uk - This is not a Lowells its Bristol Waters own legal dept   thanks everyone      
    • Thanks for your help, when am I likely  to receive the questionnaire?
    • Okay. By and large they are saying that the computer was a prohibited item and therefore it was carried at your own risk. Despite this they agree that they sold you insurance on it. They also say that it was damaged and could not be delivered – but they don't say that it was destroyed and they don't produce any evidence to say that it was damaged or why the damage was so much that they couldn't deliver it. Clearly wasn't sufficiently damaged that your address details et cetera were lost because they apparently know exactly which parcel you are talking about and they know exactly which parcel it was that they were meant to be delivering. They are completely aware of which parcel it was which was damaged and they are completely aware of the extent of the damage which allows them (they say) to say that they were unable to deliver it – or to return it to sender. Of course it's all nonsense. They haven't produced any evidence of damage and they haven't explained why they couldn't then deliver it or return it. It's only a laptop for goodness sakes. It's not an elephant. It's not perishable goods that started to decay in their wrapping and losing out or making smells and attracting flies et cetera. It was only a laptop. They also made a stupid mistake because they say that you didn't insure for £245 – but they have mistaken the figure that you are claiming because £25 of that is your claim fee. They now seem to be suggesting that you should also ensure of your claim fee!! These people are really stupid.   They don't say in what way the fact that it may have been a prohibited item somehow affected the risk of it being damaged. They don't explain why they knew it was a period item and yet they agreed to carry it and also they agreed to sell you insurance. At some point you will get an allocation questionnaire. Let us know when you get it. It will ask you which court you want to have it heard in – and she will indicate that it is your local court because you are a consumer and they are a trader. You will have to pay a fee if you are prepared to go on. Hermes will have indicated that they want to go to mediation – and you should agree. Read around the sub- forums about mediation and how it normally goes and how you will come under pressure from the mediator to reduce the value of your claim. Read what we have to say about that and our advice to you about standing up to the mediator. Let us know when you receive the next stage  
    • Congratulations and well done for standing up for yourself!  You did the right thing and I'm sure your dad would be proud of you.  I think the comment that your defendant was "bored of this" is quite telling - he was stringing you along to see if you would give up, and you wouldn't.   Well done.     If you are still keen to get it fixed properly - try asking at a "good" independent jewellers locally.  If they can't do it themselves they may be able to recommend somebody who can.  And if it's rare or valuable, try searching for a website of a trade guild or something.  There's one below.  (Hope you didn't find the other guy there!)   https://bwcmg.org/   And always ask for a quote beforehand and a realistic appraisal as to whether they can actually fix it.  (Try to get a proper repalcement strap like the original too!)    
    • Thanks for reply. AT time loan issued he was in debt for around £1.5k. CRA's around time loan issued show that only 4 credit cards (2 went to default in jun 19) a Paypal Credit account and a ShopDirect - all within 20% of credit limit on each. (and Car Insurance paid mthly) Since loan issued he took out a Everyday loan which has another 20mths to go, but has been paid on time without any missed or negative marker. No defaults were ever recorded on his closed accounts.  
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Deena V Nationwide


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Hi

 

I'm doing this for my son and I'm not sure if I've worked out the charges correctly. I have copies of most of his statements for the last five years and have added up all the unpaid dd, unauthorised overdraft charges etc. I made it £632.50 then I added up all the interest itemised on the statements added it to the charges and came up with a total of £1045.12. I sent a preliminary letter requesting a refund for that amount. What if I've claimed the wrong amount - I didn't use the spreadsheet? I think I may have asked for too much back.

Thanks for any advice you can offer.

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Hi deena - Welcome aboard

 

Sorry we missed your post until now.

 

If you take a really good luck in our FAQ section you should hopefully see most, if not everything, covered in there. It is worth reading several times (square eyes at the ready...)

 

Interest should only be added if it was solely due to charges imposed - i.e. not standard overdraft interest. If the statements do not break this down it can be very difficult to work out and so many people do not bother.

 

If the statements clearly separate the interest, then that would be fine.

 

The spreadsheets we supply work out 8% interest on each charge, from the date incurred. This type of interest should only be claimed if the case reaches the court action stage.

 

You say you have most statements - what periods are missing? Would you not contemplate asking for all the information, so that you have a definitive figure?

 

John

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi,

 

Don't worry about it. You've probably asked for too much. If the amounts were larger I would say it will probably end up almost correct, but it's not.

 

If the bank doesn't pay before you raise your claim in court, you can re-calculate at that point, then add the 8% also.

 

Let me know if you need any help with the spreadsheet.

Vamp. :)

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[

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Thanks for your reply.

That's reassured me, I was worrying that if I've gone over the top in initial request I've messed up future action, and spoilt chances of getting the money back. I've had the standard "Thank you for your letter of 4th June, about charges incurred on your Flexaccount. Feedback from our members is absolutely invaluable, so we appreciate the time you've taken to get in touch with us about this issue, and we're grateful for the opportunity to explain the rationale behind our charging policy. Etc, etc". So I'm nearly ready to send the letter before action do I need to send them a copy of the spreadsheet calculations, or can I simply put the amount I'm claiming again, or should I recalulate at this stage?

 

Thanks again

Deena

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In yout LBA ask for the correct amount, so yes you need to recalculate, send a copy of the spreadsheet to as this will serve 2 purposes ..1 at some point you need to show them how you came to the figure you are claiming so now we say to put it in with all your letters then the bank can't argue that they have never recieved it .2 It will show how your now asking for a different amount to your first request without the need for you to go in to explanations in your letter.

 

If you need help with your spreadsheet just let Vamp know , as she said .

 

EDIT

 

of course people have different experiences and may give you different advice so you must use your own judgement on who's advice you take

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When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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:) sorry mjanets post crossed with mine, follow mjanets advice, she is more expert than me!
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I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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I am not an expert , my answers are my own opinion based on my own experiences and following the claims of other users .Please read my signature.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

Thanks everyone.

I've recalculated and will post LBA tomorrow asking for £403.50 without the 8% interest. Am a bit fearful of issuing court action but will do so if no response. Here we go forward into battle!

Deena

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  • 4 weeks later...

Hi

When completing the online moneyclaim form a window regarding interest pops up. Right at the end it say to enter the daily rate of interest. Can someone please tell me what is the daily rate of interest? I don't know what to enter for this last figure.

Many thanks

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You calculate this by multiplying the total of the charges you are claiming by 0.00022.

 

eg £595 x 0.00022 = £0.13p. It means that a claim of £595 would earn an additional 13p every day between filing at moneyclaim and settlement by the bank.

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Thank you for your reply. Another question is it worked out on the first total of charges or the charges plus 8% accumulated interest?

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Thank you.

Since posting my question I've received another statement with more unauthorised overdraft charges. Should I add this to my total as well or simpl ignore it?

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The moneyclaim form is only for use when you have exhausted all the lines of provedure........ie wtitten to your bank and ask for it back.

I presume you have read the forums and the faqs ?

 

https://www.moneyclaim.gov.uk/csmco/login.jsp

 

 

Here is the link for moneyclaim.

What steps have you taken already ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

I've finally managed to submit my moneyclaim online application tonight. So here's hoping! I just hope they don't defend and make me go to court. They are such b*****ds I've got my new account set up ready and hope that they do close my account with them. In fact before I discovered this site I had borrowed money from my dad to pay off my overdraft and at that time I requested that they close the account. Guess what my payment paying off entire overdraft was a couple of days late so from a 0.00 balance I'm in the red again becuase of their stinking charges.

 

I want to thank everyone involved in this site and if I get my charges refunded I will definately be donating 5%. Fingers crossed please everyone.

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I have merged your threads so it is easier for us all to keep track of your progress to date.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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