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    • as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable. so no don't cease payment.   however get an SAR running.
    • HRT process for returning British citizens can be quick, if they show evidence of now being resident in the UK and working or looking for work. So important to take all documents to Job Centre appointment confirming ID, residency at an address, evidence of work or looking for work e.g. Job applications.   if enough evidence is provided a decision can be made in a few days. And once entitlement is confirmed, then your Son can apply for an advance payment.   Under Universal Credit, once the claim is up and running, then first normal payment made after 5 weeks from start date. Work search appointments regularity can depend on Job Centre and how busy they are. Some people have appointments every fortnight and others once a month approx.  The important thing is complying with commitment and not missing appointments to avoid sanction. It is people who fail to attend work search and other mandatory appointments or fail to show sufficient evidence of looking for work, who can end up with a sanction.
    • Thanks dx100uk - response to relevant questions provided below. I will provide photos of signage at entrance and further photos of marked bays at same location in separate response.   For a windscreen ticket (Notice To Driver) please answer the following questions....  I received a Parking Charge Notice (SIP)   1 The date of infringement? 11/05/2019 @ 16:01   2 Have you yet appealed to the parking company yet? No   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide  N/A   has there been a response? N/A please post it up as well, suitably redacted. [as a PDF- follow the upload guide]   If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Not yet as only 12 days since alleged infringement what date is on it Did the NTK provide photographic evidence? N/A yet   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N? ]N/A yet   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? N/A yet [it is well known that parking companies will reject any appeal whatever the circumstances]   5 Who is the parking company? Simple Intelligent Parking (SIP)   6. where exactly [Carpark name and town] did you park? Harding Street, Manchester
    • wasn't always that way changed with the spc rules of 2016. also, staple a copy of the cabot no cca letter to the courts copy. dx
    • sar to MBNA CCA request to arrows   their address means their address not YOURS!!   once they or anyone you are blindly paying fails the CCA request after 12+2 working days your option to cease payment until they comply exists.    
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
LordLee

Charges refunded. But they now want them back.

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Hi,

 

I'm SOOOO glad i've discovered this forum. I wonder if anyone can offer me advice.

 

I Bank with Abbbey and for months... dare I say years, on and off i've been charged over £100 a month in bank charges etc.

 

Now reading posts here and on 'Martin's Money Tips' people are saying this is all 'potentially' reclaimable.

 

But surely it's my fault. I have been careless with my account. And the odd ridiculous charges aside (like being charged £30 for iTunes Music store taking 79p later then expected, hence me going overdrawn) i really only have myself to blame.

 

I can't quite comprehend reclaiming all this cash. I've sorted my finances out now. But am i really in with a chance of reclaiming all this cash? And now quite a few people are doing it... should i be quick before the banks find a legal solution?

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But am i really in with a chance of reclaiming all this cash?

 

The simple answer is yes, you are in with a chance as long as you know that ultimately you might end up in court against the bank(s). The main crux of the argument is that the banks charges are punitive in nature and that no way does it cost what they say it does when they charge you for going overdrawn, bouncing a direct debit etc, regardless of whether it was your fault or not.

 

Read around, look at the FAQ's section and everything you need to know on what to do should be covered in there.

 

Good luck - we're all in it together :)


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Have a read of the FAQ's - you should already have read the rules of course.

 

The reason as to why you incurred penalties is largley irrelevant.


<font face=arial size=1>Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.</font>

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cheers guys. i've had a good read of the FAQ and all sounds clear.

 

just 1 question... it was a bit confused whether the Data Protection Act Request Letter or Preliminary approach for repayment letter should be my first action? should i be giving them a phone call first?

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You can do it either way you want. However, do realise that it is not an automatic cashback system. You may have to go to court and you will have to convince a judge.


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Do you know the full amount of the charges that you want to claim back?

 

If not send the Data Protection letter.

 

If you do (for definite), send the Preliminary Approach one.

 

As for a phone call, it's up to you...I kept mine strictly written, sent by recorded delivery, so I had evidence of everything.


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Do you know the full amount of the charges that you want to claim back?

 

If not send the Data Protection letter.

 

If you do (for definite), send the Preliminary Approach one.

 

As for a phone call, it's up to you...I kept mine strictly written, sent by recorded delivery, so I had evidence of everything.

 

I fully understand that i may have to go to court. But it's worth it as i'll be defo claiming under £5000.

 

I know how much to claim for if i just go for the last 6 months... but, i'll have to go the data protection letter route if i go back any further.

 

hmmmm i have a decision to make. if i go the longer route (data pro letter) any chance the banks will have covered their arse by then?

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Not unless they invent a time machine to go back to 1915 and change the law! :lol:

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The banks consider that they already have their rear-ends quite covered.

It will be up to you in a courtroom to pull the veil aside.


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What address do we right to with Abbey? Head office? Local branch? There are conflicting reports on here...

 

Is there anyone on here who has gone through this and had a decent response? If so what address did you use?

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It really doesn't matter - just like it says in the FAQ's - which I'm assuming you've read.

 

Send it to any of their registered offices.


<font face=arial size=1>Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.</font>

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ok thanks

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I sent my DPA request and the 40 day deadline is 2nd May. However I did not send £10. So... 2 weeks ago i sent a postal order for £10 and a letter reminding them the deadline runs out of the 2nd May.

 

I still have heard nothing. I would follow it up but do not know who to call or email.

 

Anyone reckon they are gonne be slimey b*stards and give themselves 40 days from receipt of the 2nd letter and £10 postal order?

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Anyone reckon they are gonne be slimey b*stards and give themselves 40 days from receipt of the 2nd letter and £10 postal order?

Quite possible, and it is likely that you may have to adjust your timetable accordingly. Technically the 40 days does not start umtil they receive the money. If this happens you will have to grin and bear it, unless they have acknowledged the start of the 40 days elsewhere.

 

However, good luck and chin up.


Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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thanx. but i would like to follow it up with a call. anyone know what dep i need to speak to? or even a number?

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Since you have not received a reply to this specific question, I think you might as well use the following... copied from contact details at the top of Abbey's page

 

Dawn Hoyle is the head of :-

Customer Satisfaction Centre

Abbey

PO Box 5129

Milton Keynes

MK9 2YN

Tel :- 0845 600 6014

Fax :- 0845 600 1378

Minicom :- 0845 600 1344


..

.

 

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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I sent my DPA request and the 40 day deadline is 2nd May. However I did not send £10. So... 2 weeks ago i sent a postal order for £10 and a letter reminding them the deadline runs out of the 2nd May.

 

I still have heard nothing. I would follow it up but do not know who to call or email.

 

Anyone reckon they are gonne be slimey b*stards and give themselves 40 days from receipt of the 2nd letter and £10 postal order?

 

Yes they will. It's what they do.

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Although I sent my DPA request and am still waiting response, I also have obtained the last 14 months of statements via the Abbey website. It took about a month.

 

I have calculated the charges i wish to claim for within the 14 months. But should i wait till Abbey pull their finger out with my DPA request? Or can i claim for this 14 months and the rest later?

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You are best advised to wait for the DPA return, and make one claim.

 

This takes care of the manual intervention issue too.


..

.

 

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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You are best advised to wait for the DPA return, and make one claim.

 

This takes care of the manual intervention issue too.

 

OK... could you just clarify what the whole manual intervention thing means? I'm not so sure what i can gain from knowing this information?

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Guest Lueeze

Have you read the forum?

 

It is clear that the banks charge this amount to you to cover there so called 'costs'

 

To disprove this theory and to proove the computer does it all, you need to request this information so that you have more ammunition if it went to court.

 

Please read everything over and over, without knowing all the in's and out's you will not be confident.

 

Have faith it will be fine...

 

Lou x

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I'm a bit nervous doing this as Abbey finally responded to my DPA request and sent me everything since mid 2000.

 

If i went for every charge I would be claiming for over £5500. But as these boards have advised to keep the claim under £5000 i'm going to claim from a later point and go for £4800.

 

I'm very worried as this seems to be one of the biggest claims i've read about on these boards. (Also embarressed for the way i've run my account... and i'm sure Abbey will bring this up.)

 

Should i go for less? Could'nt they counter claim for an amount that would take it over £5000 so somehow it doesn't stay in the small claims court?

 

Any advice welcome.

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Hiya,

 

You've come to the right place.

 

There can be problems if your claim is above £5K, so shaving a month or two off may well be a good option. However, if you have to reduce your claim by more than six months it may be worth making a claim for the earlier period first, waiting for it to settle and then bringing another claim later.

 

You could also do a search for the word "sever" in the forums, and read up on this. You need to be advised to not run the claims at the same time to avoid the risk of consolidation by the bank. A good thread is this one: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=651

 

As for how you have managed your account - we all have difficult times, and poor account management cannot always be helped. If the banks stuck to the banking code guidelines, and treated us more sympathetically, then a lot of us would not be here to start with.

 

Good luck, and keep us posted.


Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Thank you. I will probably just go for the £4800 and write the rest off. I know you cannot comment on what the Bank will do... but am I in a higher risk category for claiming £4800 than say £900? I'm gonna have to pay more to make the claim i know... but i guess i'm just a bit nervous taking on, what appears to be, a mammoth task.

 

 

Hiya,

 

You've come to the right place.

 

There can be problems if your claim is above £5K, so shaving a month or two off may well be a good option. However, if you have to reduce your claim by more than six months it may be worth making a claim for the earlier period first, waiting for it to settle and then bringing another claim later.

 

You could also do a search for the word "sever" in the forums, and read up on this. You need to be advised to not run the claims at the same time to avoid the risk of consolidation by the bank. A good thread is this one: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=651

 

As for how you have managed your account - we all have difficult times, and poor account management cannot always be helped. If the banks stuck to the banking code guidelines, and treated us more sympathetically, then a lot of us would not be here to start with.

 

Good luck, and keep us posted.

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Thank you. I will probably just go for the £4800 and write the rest off. I know you cannot comment on what the Bank will do... but am I in a higher risk category for claiming £4800 than say £900? I'm gonna have to pay more to make the claim i know... but i guess i'm just a bit nervous taking on, what appears to be, a mammoth task.
The upper limit is £5K - and no amount below this is any riskier than any other amount. If you are happy with £4,800 (including the penalty interest they have charged you) then go with this. Don't forget, the 8% APR is a claim ONLY when the issue has been raised in court, and therfore does NOT count towards your £5K upper limit...

 

Don't be nervous, be FULLY prepared. Make sure you read all the available material in the FAQs and library, as well as in the Abbey forum. If you need support or encouragement then post your woories on this thread - it will be picked up on...


Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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