Jump to content


  • Tweets

  • Posts

    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • JK: Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have. Thanks DX, I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

snow_white vs natwest


snow_white
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6424 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i have started trying to claim my charges back from Natwest and now am ready to claim charges back from capital one. I still have nearly all my statements so don't need to get copies. Have totalled up my charges and it amounts to £480. I'm eager to claim it all back especially as am still bitter about how some of the charges came about. Capital one was my first credit card and i got it before i was due to go abroad for four months. I wasn't supposed to pay a yearly fee but they charged me a fee of £18. I was away so didn't know about the charge and they charged me a late fee of £20 for every month i was away. They then wrote saying they shouldn't have charged me the yearly fee and refunding me £18 but still leaving me £60 of charges to pay off. I payed the additional charges even though i'd never even used my card because i didn't have the nerve to challenge the charges.

anyway four years on i'm claiming it back. I wondered if the prelim letter was the same for banks and credit cards? do i just make slight adjustments? Also should i mention the mistakes they made in charging me when it was their mistake in the first place. It only accounts for a small amount of my charges but it might make them more inclined to refund my charges early.

Link to post
Share on other sites

hi snowy

Yes your right adapt prielim letter to suit cc ie overlimit fee/late charges

send them a shedule of charges (template libary)with your letter but only fill in the notes section and charges section DO NOT fill in the 8% section you only need this if you have to file a claim at court.

send letter recorded delivery or if you can afford it (£4.10):eek: Special delivery if you send it before lunchtime it will get there by lunch next day.And you can track both by going to royalmail website. Isent mine to.......

 

 

Katherine Blunt

Legal Dept

Capital One Europe plc

Loxley House

Station Street

Nottingham

NG2 3HX

 

hopes this helps

Alan

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

Link to post
Share on other sites

  • 3 weeks later...

recieved an offer of £220 today, its £260 less than i'm after. I really need the money but don't want to let my desperation lead me to losing out on what i'm owed. If i can stand the stress of the wait and get the full amount then i can nearly clear my balance and start fresh. I wrote back accepting the money as a partial payment and telling them i'd put in a claim if they didn't pay me the rest.

Link to post
Share on other sites

  • 2 weeks later...
  • 2 weeks later...

Got a partial refund from Barclaycard so had just enough money to file my claim against Capital one online. I was claiming £480 but with additional charges, interest and the court fee they will have to pay me £660. I would have thought they'd want to save themselves the money and the hassle.

Link to post
Share on other sites

received their acknowledgment of my claim today so they have a month now to file a defence.

 

I was told by the court person that the 28 days includes the initial 14 days they get to reply, so they only have another 14 days not 28.

 

By the way I am in the same position but with barclays.

Link to post
Share on other sites

 

 

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

don't know how my natwest thread ended up in the capital one forum. have a capital one thread also. maybe i came into this forum intending to start my cap1 thread but got distracted and started the natwest one by mistake.

Link to post
Share on other sites

You can't, but a mod can - drop one of the 'green' members a PM and they'll do it for you :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

  • 3 weeks later...

recieved a letter from capital one this morning. They are willing to settle in full to avoid court. They will credit my account with the £668 i am claiming and send me a check for the amount above the balance owed. Is such a relief that its over as this was my main claim. Just one more to go now.

Link to post
Share on other sites

Well done snowy I filed a court claim against them friday so you have done really well. Enjoy it.

 

You should put a message in the successes forum (cap 1 Not nat west;) )

 

Again well done.

 

Al.

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...