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    • The questionable service from the surgery you mention TJ could do with their methods being passed onto the Care Quality Commission and PALS.    Watching Panorama this week the shared ownership scheme needs a serious review to ensure the system helps people not hinder. There must also be developments in the shared ownership scheme with unsafe cladding compounding the terrible financial situation the developers and landlords have put people in.   From the Grenfell enquiry, to me the cladding was mis sold as being entirely inflammable and wondered if the process of fitting the cladding, the council also had the responsibility of conducting their own fire tests. In addition to those thoughts, I'm sure the fire service and resident associations made in clear over time for Grenfell and other developments in the UK buildings did not comply to stringent fire and safety regulations.
    • Good morning.    I would like some advice please.    I recently (19th nov) bought a Samsung Galaxy S20+ from currys. I did open and set up the phone to try it out but 1) wasn’t keen on it and 2) had trouble with the usb connection when trying to connect with my car stereo.   I decided that I would seek to return it, but only on trying to return it came across the stipulation that if data/software has been installed then a refund would not be issued and after calling was told this was due to GDPR. I did point out to them that phone providers will issue full refunds even if the phone has been set-up and also that in order to be able to test the phone it requires setting up and software/data being installed but was told that it’s their policy.   I acknowledge that I may have handled it more than is reasonable in a shop as you wouldn’t be able to install software in a store, however the phone did need to be set up in order to test it, the phone has been returned back to factory settings and didn’t leave a case or the plastic film for the two days I used it for. Therefore I do not believe it was handled more than necessary.   Having looked at the CCR and CRA I called back to state that their store policy is super erred by the previously mentioned regulations and that their policy contradicts the Consumer Regulations Act.   As you cannot properly test the phone without having to install software on it, their policy creates an unfair term which I told the customer service agent over the phone who spoke to her manager and told me to contact their legal department.   I am still within the 14 day notice of return period so wish to try and preferable use this route.   Any advice at all please?
    • Here is all the details (hopefully) in one post.   The Ford Kuga was purchased from Fast Motor Finance LTD Crawley on 8th September 20 Mileage at purchase was 109520 through HP fiancé via Advance Finance Grimsby   The car was covered by a 6 month warranty that includes engine & gearbox but excludes clutches, flywheels or any wear & tear (Taken from the garages website)    Service History:   08-04-2013 Pre-delivery Inspection 26-11-2013 12809 Service (no paperwork just stamped book) 09-07-2014 25963 Service (no paperwork just stamped book) 09-02-2015 36814 Service (first Invoiced service but no paperwork just stamped book). Gearbox service would of probably been done here but can't verify. 16-02-2016 50385 Service  (Full service, paperwork and stamped book) 31-03-2017 64680 Service (Full Service, paperwork & stamped book) 13-02-2018 76988 Service ( Full service with gearbox service, paperwork & book stamp) 29-03-2019 92592 Service (Full service with paperwork & book stamp) 11-02-2020 106322 Service (Basic Service, no paperwork but book stamp)   As there was no paperwork for last service the garage which serviced the car were able to email over that the service was a basic oil & water change and that the gearbox oil and filters was not changed.   At the beginning of November the gearbox started making some noise and was having trouble selecting gear.   The finance company  asked for the car to be taken to a VAT registered garage to find out what the problem was and not to drive it further.   After the garage looked at the car the estimate was for a full service of the gearbox which would be £370 but because it had gone over Ford recommended mileage for the gearbox there would be no guarantee this would clear the problem and that would mean a replacement gearbox would be needed.   Since picking the car up in September the car has driven 1500 miles.   Spoke to the garage as was informed that the car was over 30 days old and there was nothing they could do and the gearbox would not be covered by the warranty as this would be normal wear and tear!   The warranty company said exactly the same and would not entertain us.   After countless calls and emails to Advantage finance a formal complaint was raised and they finally agreed to send one of their mechanics to inspect the car last week 19th November. The mechanics ahs reported back to Advantage that the noise is down to wear and tear and Advantage have closed the complaint and are sending out a deadlock letter that includes a copy of the mechanics report.   Would their mechanic have to be DEKRA registered to complete the report or Advance Finance own mechanic?   This now means that the car cannot be driven is still at the garage and will need a minimum of £370 to make it driveable on a car that has been driven 1500 miles since collection without a guarantee that this will cure the problem.   We are both key workers that need the car to travel to and from work as well as take our son to nursery, and at the moment having to rely of friends and family to help out with lifts.   I have spoken to Ford and they have told me these car need to have the gearbox serviced at around 35k and at a very maximum of 37.5k and have put this on letterheaded paper, I have also emailed a couple of other Ford and independent dealers to get details of this as well.   Would it be worth getting an AA or RAC inspection done to check the gearbox and to see if there is any other problems with the car.   Thanks again to everyone epically dx & Bank fodder who have helped me with advice.   JJ    
    • nothing they can do anyway so..   dx
    • I've successfully had a Claim discontinued using the exact stages recommended by Andy and DX. They are outstanding individuals in the fight against these dreadful DCA's! Good luck.   'L' will likely pull out at the eleventh hour but mean time try to fob you off with bank giro slip copies as Contract proof lol. Stand your ground!   Also my Letter Before Action actually came AFTER the  Money claim. They can't even get the pre-action protocol right.   Another thing they tried was pretending to send papers that looked like they were from the court for me to sign re: Claims Track.. Boxes had been pre-checked by them to dupe me into signing their preferred action. I printed out my own and sent those to the court instead. 
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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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