Jump to content


  • Tweets

  • Posts

    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
    • Received a call and follow on confirmation email from the police about my cabinets! They wanted to confirm that I was prepared to support police action for the matter and that I would be happy to provide a statement and attend court at a later date!!! I think that something might actually get done - it won't get my cabinets back I know that but hopefully it will put a stop to this so called courier doing this to people!
    • Around a month ago I had to send a sympathy card to a friend in GB. Logistically it made sense to buy a personalised one on eBay and get it sent straight to my mate, rather than faffing around getting it sent to me.  This mighty purchase set me back all of £3.05 (including postage costs). I was taken aback that, when it was sent, I got a tracking number.  For a flippin' three-quid card!  I had no idea that technology had moved on so much and that tracking was so easy.  The shop has feedback for 16,300 purchases so tracking must be easy & automatic. It's unlikely your case will get to court, but in cases that do this got me thinking that we need to aggressively challenge the PPCs where they have lied about the timescales of sending their rubbish and have no proof at all of posting - when it would be so easy to provide it.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

OH's Santander Loan Charges


The Debt Star
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4892 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

OH has a car loan. 60 month term and we are now 24 months in.

 

In the past 12 months theyhave applied the following charges:

 

17.12.09 unpaid fee £15+ late payment £30.00 (so £45 total for one late payment)

19.4.10 £15 + £30 (£45) for simulataneous late and unpaid payment

20.7.10 £25.00 late payment fee

4.10.10 £25 late payment fee

25.10.10 £25 late payment

 

Total charges this year alone come to £165.00

 

Are late payment charges permissible? Are they allowed to "top up" late payment charges with unpaid charges as well?

 

They get paid each month without fail, just often not on the date they are meant to receive it (sometime like a week later due to cash flow problems).

 

Any thoughts?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

sorry this wasn't seen as it the wrong forum

 

yes you can reclaim then ALL + int at their rate too.

 

i'll move this thread and alert you via PM to where it is later tonight

 

basically its the same process as any loan/credit card unlawful charges claim.

 

have a read around

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Just a thought, but you're obviously making the payments, but often making them late. Can you not get the payment day moved to fit in better with when your income comes in? It may mean paying a bit more one month, but could potentially stop a lot of hassle for yourself.

Link to post
Share on other sites

Hi dx and Tingy.

 

Thanks guys for your replies.

 

Great news we can try and reclaim the charges! Will get onto it. And of course post up what happens as we progress that.

 

Tingy, yeah, we have changed the payment date now and much better but Satander charged us £25 for the priviliege!!!!

 

DS

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

thats a fee too!

 

reclaim it!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I was watching Rip Off Britain this morning and they were on about these ridiculous charges, changing DD date, changing name on car insurance if you get married etc.... Mind you, as long as the new date suits it will be much better for you.

 

Take care,

 

Tingy

Link to post
Share on other sites

Where do I find the bank charges precedent letters on here?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

What I was after was an initial letter claiming the charges?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

pers i'd do some reading up first

 

all the docs are in the library section tab top left.

 

you ideally need to do a spreadsheet first so 's you know what you can get out of them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Although not from this site (I couldn't find it in the library) will this one do:

 

 

 

Your address]

[Your phone number]

[Date]

[Name and address of bank]

Dear Sir or Madam,

Ref: Account number: [your account number].

I would like to request a refund of all the default charges that have been applied to my account. Under the Unfair Terms in Consumer Contracts Regulations 1999 charges must reflect administration costs and cannot be punitive. I believe that the following [enter details of charges] are unlawful as they do not reflect the true cost of going into an unauthorised overdraft.

 

You have taken [enter charges amount here] from me, plus [enter overdraft interest amount here] overdraft interest and I would like to request repayment of this [enter total sum] sum. I also ask you to ensure any default notices entered against my credit record are removed entirely.

Please repay this money in full and remove any default notices within 14 days. If this is not done, I will begin a claim against you for the full amount, plus interest and my costs.

Yours faithfully,

 

[Your signature]

 

 

Link to post
Share on other sites

Cheers Tingy. Have repped you up already.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

Cheers Tingy. Have repped you up already.

 

Thanks. Not being ungrateful, but don't actually care about rep on here due to the past. You know what I'm on about. Quite happy giving advice and people can choose whether or not they take it.

 

By the way, just concluded final case from "other" site, been going on via e-mail. VERY positive result today! Happy times!

Link to post
Share on other sites

Accept the rep, man. My gratitude must needs be expressed, to you and others that help out.

Sorry to hear you've permanently quit the Other Side but can understand why you feel that way.

DS

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

we've now put in a claim for the charges, which over a 2 year period amount to £360 inclusive of 8% stat interest.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

you should not be charging 8% stat

 

you can only do that at the court or FOS stage.

 

you should be charging the int rate they charged you.

 

which will prob be the loan rate.

 

this is why people should always post up what they are sending first.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

well they can always say no I guess, and then I will resubmit a revised spready. The loan rate was 7%, with an APR of 14.6%. Which rate applies?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

apr

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Santander, they say no. They say NO to ANY refund of charges, in full or part.

In their words the charges of £30 + £15 for the same missed payment on the loan are fair and fully approved by the FOS.

No to a refund of the DD change of date fee as well.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

well they would say that to put you off

 

the fos are nowt to do with this

 

its the fsa that published the guidelines saying that £12 was the max they would expect, but that no charges were valid until true admin costs were provided.

 

do some reading and go get 'em

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

and should I mention their charges have caused hardship? is this loan covered by the lending code?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

matters not really

 

pers i'd write back again, demanding a refund of their unlawful fees or you will put in a complaint to the fos

 

can you post up your spreadsheet please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • dx100uk changed the title to OH's Santander Loan Charges
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...