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    • Very good, UB.   I'm not clear on the status of Kent now. People are talking about it being part of France, etc, but how is tht when the 'border' only applies to lorries?
    • Campaign starts ? Independence for Kent, so it becomes a separate customs area and can charge a tariff on goods transported through its territory.  With the money raised, citizens of Kent might then have little or no income taxes to pay.   I could see this campaign being started and it could grow in popularity.   Would be funny if Brexit led to break up of UK and break away by some English counties. 
    • SERCO seem to be a default company that Government use to perform contact centre type tasks. So any department faced with a problem, say a sudden increase in incoming phone calls, which they cannot handle, because they are dealing with more immediate issues such as making payments to the public, may in the short term involve SERCO.   SERCO seem to employ a lot of security cleared, DBS checked, financial checked etc employees, so they seem to be equipped and ready to manage tasks on behalf of Government departments.   No idea just how much work SERCO does on behalf of Government, but I should imagine it makes up a sizeable chunk of their business.   Public Health departments may want to perform the work themselves, but given the number of employees required, the recruitment process involved, the hours of work 24/7 and just how quick they need to be set up to perform the work, I question whether they are better placed to do so.   I would always prefer public sector employees over outsourced contracts, but I can understand why Government uses companies such as SERCO. 
    • Well, we’ve found something we agree on.   you’ve described the unfairness, but haven’t said what (realistically!) you feel your options are.
    • There's a campaign against Serco and in favour of local public health people. Apologies for one bit of language but it's a memorable slogan.   https://twitter.com/i/status/1309910583790252037  
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 6 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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I have a basic Nationwide Flex Account from when I was a very young and the address is still at my parents.

 

It only has a basic cash card and no overdraft. A year ago I set up a direct debit to the account as a very temporary measure for TV license. Later I moved this over to my main natwest account and forgot about it.

 

Anyway it seems I didnt originally move the DD quickly enough as the bank charged me as there wasnt the funds for it. Visiting parents a few weeks ago I openned an odd letter that wasnt the usual nationwide statement but was from KPR (which as far as I can tell are Nationwides in house collecters). I owe £330 made up entirely of charges from the one missed DD and months of unathorised overdraft. After calling nationwide they all orginally stemmed from the one missed DD.

 

I cannot afford to pay £330. Is it possible for me to claim these charges back?

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Yes you certainly can.

 

If you type "Reclaiming Bank Charges" in the search bar above this forum this will take you to where you will find all the information you need. Good Luck.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Hi Ub, am I missing something here? How can you reclaim charges when you haven't paid any?

I had exactly the same problem with Natwest a couple of years ago. I wrote them a letter explaining my mistake at forgetting to cancel the dd and told them I wouldn't pay them a penny because it was their charges that made the account go overdrawn in the first place.

Not heard a thing since.

jed

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