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    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
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Money Debits My Account For Standing Order or DD The Day before It's Due


BelstarBomb
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Hi,

 

I bank with cahoot and have noticed over the last few months or so, that the day before a direct debit or standing order is due from my account, my balance is reduced by that amount.

 

It happened yesterday where a s/o was due out of my account today, yet my balance was reduced by the exact amount of the s/o yesterday.

 

Finally got a response back from them and they say it left my account today. Looked and the s/o details are showing for today yet the amount was debited from my account yesterday.

 

Has anyone else had the same issue?

 

Bel

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  • 2 months later...

standard with banks, particularly at weekends. if you have two payments due on a sunday, one a so, the other a dd, the so will be paid on the friday and the dd should only be paid on the monday. however, the bank deduct the dd amount from your balance at the end of the friday, but it doesn't actually get paid til the monday.

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A & L (Santander) did this with us also and of course you are not sure where the funds are and then there is a panic as you think you may not have enough money to pay DDs etc. We cancelled both out Cahoot and A & L accounts.

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  • 1 year later...

Just a quick question,

 

Whilst checking my banks T&C's over various other cock ups that I feel they have done, I read that they would write to me within 2 workings days if they do not honour payments due to insufficient funds etc.

 

My bank has not done this for about three years - all I get is a letter once a month or the other way I find out is by checking my account or the recipient sends me a letter to say that the payment has failed.

 

As they have failed to keep to their own T&C's, is there any recourse for me to go back to them and claim the charges back? We have a legal agreement - the CCA of which their T&C's form part of that agreement.

 

If they haven't kept to it, on that particular point would I have strong argument to ask for those charges to be refunded?

 

I'd be interested to hear your thoughts on that?

 

many thanks,

 

Bel

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Yes, I think that is a very reasonable point of view and that you should claim your charges back.

Which bank?

Be careful because once you try to claim charges, they will turn against you in a most vinictive way.

The banks are without honour.

Which bank?

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Is this an unarranged overdraft they are adding charges to ?

 

Did you ask for an overdraft at all and been declined?

 

(If they can launder drug money for the Columbians and break sanctions by sending money to Iran, they are hardly bothered by some T&C breach).

Edited by Conniff
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All banks become extremely nasty when challenged. They are bullies and they don't like anyone who tries to stand up to them

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Hi Conniff,

 

The charges are because I was OD and payments were bounced. This was on an authorised OD. In some cases they charged £25 for bouncing a £3 Paypal payment.

 

My point is, if they are not keeping to the legal contract that we are both bound by, do I have a legal argument to reclaim the fees where they have not written to me within the timescale that their T&C's set out?

 

BankFodder - again, if they get vindictive, is there action that I can take??

 

Thanks Guys,

 

Bel

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