Jump to content
  • Tweets

  • Posts

    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
    • well anyway. as its the same email then and not directed at them to pay no its not correct they have done it under gdpr etc etc.   so regarding the debt. what readings prior to this have you been sending? to prove this billing is correct or not  have regularly sent them before  and is the estimated readings higher than your actual usage. when does the debt First date back too aswell        
    • More than 364,000 cases of fraud were recorded to the National Fraud Database in 2019 - the highest ever recorded View the full article
    • If its a domestic address and a normal account, thought they could only bill who is on the Tenancy agreement or Mortgage, as isn't a Tenancy in Common. if Joint tenancy and other party gone, didn't think children who have gained majority can be held liable, as not on any paperwork, apart from Electoral roll.  Is a Lodger liable?
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
        • Like
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
        • Thanks
      • 16 replies
bdsman

overdraft 4k problem

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3613 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there

 

i currently have an overdraft of 4K with Natwest and i struggle every month because of it. I cannot get a loan to consolidate this debt as the bank wont grant me any credit, and the interest rates are ridiculously high as a result.

 

I wonder if anybody has any advice on what i can do? What will happen if worst came to worst and i opened another account with a different bank and forget about this overdraft? i dont have any assets as it is so what could they do if i just cant afford it.

 

Or who can i write to about reducing the interest rates or sorting out a payment plan to pay this back instead of always living in my overdraft.

 

Any help or advice will be appreciated.

 

regards

Share this post


Link to post
Share on other sites

Hello and Welcome,

 

You could try writing to Natwest regarding the Interest and setting up a payment plan, there are letters in this link....................

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Hi and welcome to CAG.

This is what I would do. Get another account but not with any bank that has a relationship with Natwest. That puts you in charge of your money.

 

Write to Natwest using the template letters here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

 

All this guff about Natwest aiming to be the best! All well and good while you're in credit but once you owe them, you become a leech.

 

What could they do to you?

 

1 Get their in-house threat monkeys to pester you on a daily basis (if they do, we can help)

2 Sell the debt to an oh so friendly (NOT)Debt Collector :evil:

3 They or the DCA take you to court.

 

In the first instance, write to them outlining your problem. Whilst you are in hardship, they are supposed to treat you fairly. Offer an amount you can afford-Maintain that payment.

Have a chat with National Debtline. See if they can help

http://www.nationaldebtline.co.uk/


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Share this post


Link to post
Share on other sites

Thank you so much for you fast replies and advice. Do you know which address I can send this letter to? There seems to be so many different addresses. Which one would my situation apply to?

 

Thanks in advance for your help.

Share this post


Link to post
Share on other sites

Hi,

 

I'd get in touch with your Local Branch, they'll be able to sort you out.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Defenitely open a "Parachute" account with someone else (Not RBS...as they are Natwest).

 

Transfer all payments in & priority payments out to the new account.

 

Then, go into your branch, ask that the account be frozen & offer a repayment plan to reduce the overdraft. At this stage, until they agree,in writing, do not sign or admit any liability.

 

What you should understand is, the worst that they can do is get a CCJ. Any excessive charges & interest applied to this account can still be challenged. You can still demand a copy of your overdraft agreement, to ensure that the account is being managed in accordance with the agreed terms. Once/if they have judgment, interest cannot be applied to an overdraft. And the courts(Aslong as you defend & respond accordingly), not the bank, determine how much you pay each month.

 

Debs

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...