Jump to content
  • Tweets

  • Posts

    • As advised statute barred debts are dead...if your alive or dead......so are CCJs that are over  6 years old and have never been executed or secured against property by way of a charging order.......no matter how much your estate is worth.
    • I booked several rooms with FABHOTELS.COM - I have made sure the rooms were cancel able and due to the condition in India regarding Covid becoming very bad I cancelled the rooms and my visit to India and will not be travelling for the foreseeable future, I then checked my account and they have stated there can be no refund back to my card but I have to accept their room credits to the value of £478 valid for 12 months when they will then expire if I do not use them by that date, I have contacted them on several telephone numbers and via email, they have refused to issue a refund : stating it is their policy to issue only rooms credits and these will expire in 12 months, they have advised they have the right to do this under the contract and under Indian law, I have raised a SEC 75 claim, via the credit card company however they have not advised what the above means and stated it will take 11 weeks for a response, I am concerned that a refund has been provided and the cancellation has been approved as such as a refundable cancellation, albeit they have stated no refund to the credit card can be made. I have sent the following to them and their response has been - we are unable to assist further - I have now concern how they can do this when the law does not allow this to be possible? The issue that I have experienced was: Disgraceful behaviour by Fab hotels in holding cancelled bookings in an expiring account when cancelled fully - NO REFUND ISSUED? Please can you refund the full amount to my credit card as due to the Covid restrictions there is no guarantee I will be in India in next twenty four months I await your refund back to my with the Credit card Company as I am not able to use the Credits expiring in 12 Months, I have been in touch with the credit card Company and they have confirmed they will be looking to FabHotels to refund back to the Original card as part of the Sec 75 Laws where a cancellation has been made and the payment has to be refunded back to the Original payment card. I have not been able to confirm I will be using the credits and therefore in order to safeguard my funds these needs to be back into my, If this is not accepted then I reserve the right to take the matter further for a investigation and chargeback as I have not authorised the payment and the reservations have been cancelled. Please can this be escalated to a senior manager and a refund issued back to the Visa card. If this is the Customer experience I have to endure then I will make it quite clear that this i not acceptable that you take money and put it into a expiring account and then ask me to contact you to get the extension, this is not customer service, I am deeply distressed by your action as there are no other Booking agents who are doing this to their customers, especially considering the hotels have been accepted as cancelled and a refund issued but held in expiring account.
    • That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..
    • First of all, apologies for the delay in responding. I went back to work in May completely forgot about this.   Secondly, they paid out.   As you can see in my post dated May 11th, I suggested whether it would be worth trying one more time with them. Well, I did. I mentioned in my claim that, once again, they should contact DHL who would confirm that the parcel was left on the doorstep in full view of anyone passing by. I finished it off by saying that I was happy to go to small claims court over this if I do not hear back from them.   About a week later I received an email stating the claim was successful and they asked for my bank details to transfer the money over to.    I'm surprised they didn't drag their heels over this but perhaps me seeing the picture of the supposed delivery and them knowing that I was doing my own 'investigation' into DHL made them nip this in the bud sooner rather than later.   And a reminder to anyone else reading this: contactless delivery does not mean that couriers can leave the parcel on your doorstep and leave. It means the courier leaves your parcel on your doorstep, waits for you to open the door and confirm receipt of the parcel, (the courier takes a picture, this seems to depend on the courier) and then and only then is delivery of the item concluded.
  • 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/
      • 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 
      • 16 replies
smoore102

Santander messing around

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3371 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 everyone,

 

I had a current account with Alliance and Leicester back in the day. During the time I had the account I incurred a number of bank charges, which sent me into an unauthorised overdraft and subsequently spiralled out of control. This placed the account into default, although I no longer have the DN.

 

During the test case I had a claim on hold, and obviously all that fell through. Since then, I made some payments to reduce the balance, with the account being passed from DCA to DCA. The balance got below £100, and I thought why the hell should I be paying this, so stopped paying.

 

That was about 2 years ago, and all went quiet. Last month, I received a bank statement from Santander showing the balance I was aware of. Today, I received a statement showing that they are going to be taking a £100 Daily Unarranged Overdraft Fee on the 18th October. Considering this account is in default (and showing as such on Experian) can they charge this fee? I was always under the impression that they can't charge any fees once it is in default?

 

Thanks for any help you guys can give.

 

Smoore102

Share this post


Link to post
Share on other sites

Ive had the same with Cahoot (part of the glorious Santander Group)

 

Their admin is complete shambles.:jaw:

Share this post


Link to post
Share on other sites
During the test case I had a claim on hold, and obviously all that fell through. Since then, I made some payments to reduce the balance, with the account being passed from DCA to DCA.

 

Why did it fall through?

The decision stated by the Courts DID NOT remove the need for the banks to act fairly in their bank charges, you simply had to change your argument.

 

Let these fools add £100 their charges, you won't have to pay them as you have never agreed to them, I assume, that when you took out the account with A&L you will have signed 'an' agreement, but when they went to the wall and were bought out by this lot, you did not sign a new agreement? That said, the only charges you can ever be liable for, are the unfair charges that were put on hold by the test case with A&L.

 

Once the account is in dispute ZERO fees or interest can be added, they are clearly deluded all you need do is , if your feeling genorous, is reply to them thanking for applying their unenfocrceable bank charges and state that the account is still in dispute with A&L, maybe they would like to pay back the unfair bank charges you are claiming and answer your dispute as they are the new owners of the lemon they have bought.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Hi Bazooka Boo,

 

Thanks a lot for your advice there, certainly gives me some ideas for my response to Santander. Unfortunately I decided to go with a claim management company for the overdraft charges on this account. I now know how foolish I was, but it means that I could never amend my argument. On the plus side, at least I know that my dispute should still be in place, which adds extra force to my argument not to pay these and any new charges.

 

When it comes to the account sale, I was never notified that this account was being passed to Santander from A+L. The first I heard about this account being taken away from the final DCA was last months statement through the post.

 

Again, thanks for your advice, and if anyone else would like to chip in, please feel free.

 

Smoore102

Share this post


Link to post
Share on other sites

Hi all, just a quick update on this account.

 

I have finally got Santander to admit that I was defaulted in 2008. Now, they have added approximately £500 worth of charges onto this account in the meantime. Any ideas what I can reply with as I feel these charges are unjustified. Can default charges be added onto a defaulted account?

 

Thanks for any help,

 

Smoore102

Share this post


Link to post
Share on other sites

Anyone at all?

Share this post


Link to post
Share on other sites

Whilst the account is "disputed" then no further charges should be added.

 

If they have done so, then reclaim them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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...