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    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
    • Hi she did say she was cancelling and returned the equipment. It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up. I know Sky haven't done that to me. She didn't see that email as she's had lots of stressful situations. No.letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract. Like you say there should be recordings. BT mobile contract is separate to broadband and the cancellation fee is for the broadband. They have blocked her mobile so she can't use it and that is a contract. She is phoning CAB in the morning and checking through her paperwork. I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract. Thanks for taking time to reply it is much appreciated. 
    • I've sent an email to a press contact And one to a journalist at the BBC!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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As far as I know, you Can claim for card misuse. I'm certainly intending too, and others on the boards seem to be also.

 

If its a charge for breaching their rules and conditions (card misuse, going over overdraft limit, cheques bouncing etc) then you *can* claim. What you cannot claim for are service fees e.g. monthly £10 charge for having an overdraft facility, or loan protection fees etc.

 

Good luck!

Joe

My original 2006 claim - Victorious!

13/06/2006 - Sent Data Protection Act Request (NatWest), recorded delivery.

19/06/2006 - Sent preliminary letter, requesting £3483

17/07/2006 - Sent LBA for revised figure of £3601 (after finally managing to open a parachute account with Lloyds TSB!)

07/08/2006 - Filed Moneyclaim for £4401

11/09/2006 - Defence received from Cobbetts

25/09/2006 - Sent AQ to court and CPR18 response to Cobbetts

30/09/2006 - AQ due at court

25/10/2006 - *WON* Cheque for full amount received from Cobbetts

 

"Things are made of littler things that jiggle"

- Richard Feynman

 

 

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cheers joe, sent for my statements last week still waiting will stay intouch and keep us posted on how you are getting on. I have worked out that i have paid over 600 in the last six months alone. So fingers crossed

alexthekid

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yes definately, its a charge thats unfair, anyway, I did as thats what they called just about every charge I had..i.e. pay for something using maestro, 'cos you think its there in your bank, bank approves it, then a few days later when it goes out you havent got quite enough in to cover it and they slam you with £35 card misuse. Got every penny back so go for it, good luck.

12th May DPA sent to Natwest

17th May pre-lim sent £1241

26th May Full refund offered

27th May Accepted!!

on with next....

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They just sent my statements following my dpa request, it took them 5 days, however, they sent the same ones to me 3 times..not sure what that was all about?! This was before there was quite as much interest as there is now though. I took it into my bank and asked for a signed receipt.

12th May DPA sent to Natwest

17th May pre-lim sent £1241

26th May Full refund offered

27th May Accepted!!

on with next....

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  • 1 month later...

they're an unlawful charge, claim it back

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'm not 100% sure, as i dont have that on my statements (its a new account) but i do know its an unlawful charge! you could always ring the bank and ask them?

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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Thanx villaburd for clearing that up! now we all know, my hubby had them but i didnt know what they were for! now i do, excellent

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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Received an offer today of £822 they owe me £4022.52. will be sending letter accepting as partial settlement. The deadline for the LBA is up tommorrow do i need to wait untill they have received my reply or can i start my claim straight away?

alexthekid

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its likely that they wont give you the settlement unless you sign their conditions.

 

their conditions being that you accept it as full payment and you are happy to continue getting these charges taken off you, and you dont disclose the matter to any thrid party.

 

so be careful if you are accepting anything but the full amount.

13 July 06 - Data Protection Act request sent to NatWest :-|

7 August - Natwest want to 'discuss my account':???:

9 August - "HISTORIC STMNT FEE- £5.00" showing on online bank

16 August - Statements Arrived, tatty brown sellotaped envelope:rolleyes:

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gary is right, be very careful and carry on with your own time scale for claiming, I refused thier offer because it was an insult and I wouldnt accept thier conditions either

CHRIS WATKINS

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  • 1 month later...

Hi, my son who's 19 rang his branch on thursday 7th Sept and asked for all his bank statements (they charged him £5 for all of them). They arrived on Mon 11th of Sept. We went through them and worked out that they'd charged him £134 in charges. So send a letter (recorded delivery)asking for the money back. Posted the letter 12th Sept, they recieved it on Wed 13 th Sept got a letter on the 15th Friday saying we're very sorry the money has been credited back to your account!

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Check the successes forum to find out about all the wins.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Go to Bank Survey Charges Results on the iste map - there is a table of all the banks and the numbers of claims paid out. If you check each day it is very exciting. Natwest have had approx 6 claims paid out in the past few days. When I started my claim it was approx 90 something now it is 158 and that is only from people who have completed the survey results themselves. Probably alot more. Keep going11

 

Isobel

Hunbun;)

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