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    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
  • 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
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What should I do?


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Sent out the LBA. Got the following reply by secure message:

 

 

We have received your letter before action. We have been inundated with letters of a similar nature. Many of them involve searching through 6 years worth of bank statements. I apologise if our response is taking much longer than you anticipated. You will receive a response from us in due course.

 

Many thanks

 

Dorothy

My initial rection is to reply to tell that the 14 days will not be extended. Some advice please.

 

Should I reply to them to tell them I am not extending the deadline

 

or

 

Reply and give them one more week

 

or

 

Wait until the 14th day and then start court action.

 

Kind Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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My response would be to stick to your timescale they have the resources, its not your problem they cannot manage, stick to your timescale and comtinue with the next step when 14 days is up

 

Best of Luck

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they seem to be taking a bit longer after the LBA to settle because they are busy, you can send them a secure message saying you are about to file a claim and ask for where they want the claim to be sent to, they will give you an address and maybe it will stir them up a bit, it did with me and saved me doing a claim. look at my thread

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Should I reply to them to tell them I am not extending the deadline

Yes,

 

and,

Wait until the 14th day and then start court action.

Yes!

 

 

Andy

Current projects:

 

First Direct

MCOL Filed 24/9/06

£3116.60 including 8% interest

Offer from DG £1618.30, 3/10/06. Accepted as Partial Payment Only - pursuing remaining ££££

Offer for £3236.60 (full amount, plus court charges) from DG 10/10/06.

Accepted, crossed out confidentiality clause, funds cleared. Thanks to all for help and support.

Barclaycard

MCOL Filed 4/10/06

£1370.22 including 8% interest

Payment of £216 (:lol:) received. Settlement politely declined...

Allocation Questionnaire received 8/11/06

 

Smile

Prelim sent 23/09/06

LBA sent 27/10/06

£2435

Payed in full, just before MCOL, 17/11/06

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look at my thread

 

I have just read your thread and well done. I will be looking at what process you took and I will be following that.

 

Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Just sent the following by secure message:

 

You wrote:

Hello Mr redn1ck

We have received your letter before action. We have been inundated with letters of a similar nature. Many of them involve searching through 6 years worth of bank statements. I apologise if our response is taking much longer than you anticipated. You will receive a response from us in due course.

Many thanks

Dorothy

My Response:

My original letter was received by you on the 7th September (date taken from Royal Mail website). You have 14 days from then in which to settle this claim otherwise I will begin legal action as stated in my letter.

Kind Regards,

redn1ck

 

Boy did that feel good!!!

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Its upto you, they told me the same thing and said it'd be another 8 weeks! They are real funny.

 

They have the resources to deal with these claims if they want, its a delaying tatic probably taken at a higher level so be polite to the groundcrew and make sure they know your serious, etc

 

I'll be sending that address request message before I go ahead I think

______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

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Just receivied the following secure message and sent the following back by secure message:

 

Withouth prejudice

Court action pending

You wrote:

Hello redn1ck

I'd advise you to have a look at our website where you can have a look at our complints procedure, we have up to 4 weeks to send our response to your complaint and then a further 8 weeks to send our final response. I've checked your account and it apeears that our complaints team are still looking into your letter sent on the 24/08.

Regards

Jade

 

However my letter stated 14 days and I will be sticking to this. I therefore need to start the process of making a claim on line this week. Could you let me know the correct address for smile that I should use in this claim.

Kind Regards,redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Use the Balloon Street address in your cheque book.

 

Smile are making me really cross today. They need to employ more staff, they can afford it.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Ok. I knew it would come to this.

 

14 days have passed since my LBA was sent to smile. Therefore I am going to go the next stage.

 

Just going back into the FAQ for a good read before doing so. Any advice?

 

Kind Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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My advice would be to read back through the FAQ's which you are already doing so spot on!

 

Once you've done that, if you have any queries about the claim process please let us know.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi,

 

Been through the FAQs and just started inputting my information on Money Claim then I realised that 14 days from now I will be on holiday. Should I wait until returning before submitting the money claim or should I continue with it now?

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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How long are you going away for?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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How long are you going away for?

 

Just for seven (7) days.

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Wait the seven days and then file. Seems they are just being genuinely slow to reply, you dont have to wait for them though

______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

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  • 2 weeks later...

I initiated the court action online and have receivied the following by secure message from smile:

 

Hello redn1ck

 

I'm sorry you feel you have to resort to court proceedings without following our complaints procedure as laid down by Financial Services Authority.

 

You can send your claims form to us, and we will forward it on to our Legal department.

 

Team 314

smile

PO Box 600

Delf House

Skelmersdale

Lancs

WN8 6GF

 

Regards

 

Jayne Jones

smile Complaints Team

 

For full details of our complaints procedures, go to Redirecting to Smile Production Site, click on 'Talk to us' and then click on 'Complaints' on the right hand side.

 

What annoys me is that I did complain last Christmas but was fobbed off by someone in the customer diserverice centre.

 

Oh well just have to wait until I get my court papers and then forward on the correct stuff to smile.

 

Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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When did you do your mcol ? I've put mine in today so will be watching your progress along with a few others

Co-Op

Prelim - 09/06/06 (£2052)

LBA - 26/06/06

Settled 06/07/06 :D

Smile

S.A.R - (Subject Access Request) - 03/07/06

Prelim - 23/08/06 (£3185.50)

LBA - 08/09/06

mcol - 30/09/06 - £3250.50 + £800.22 + £120

Settled 13/10/06 :D

Capital One CC

S.A.R - (Subject Access Request) - 05/09/06

Prelim - 07/10/06 (1142.90)

LBA - 25/10/06

mcol - 13/11/06 (£735+ £323.29 + £120)

Settled

A & L CC

S.A.R - (Subject Access Request) - 07/10/06

Prelim - 14/11/06 (1065.16)

Wescot

CCA - 07/10/06

Co-Op(2)

S.A.R - (Subject Access Request) - 09/10/06

BOS CC

S.A.R - (Subject Access Request) - 18/10/06

Creation

S.A.R - (Subject Access Request) - 18/10/06

Prelim - 02/11/06 (£94.61)

LBA - 17/11/06

Settled 21/11/06

Studio

S.A.R - (Subject Access Request) - 18/10/06

Prelim - 01/11/06 (£103.80)

LBA - 17/11/06

Settled 18/11/06

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they seem to be taking a bit longer after the LBA to settle because they are busy, you can send them a secure message saying you are about to file a claim and ask for where they want the claim to be sent to, they will give you an address and maybe it will stir them up a bit, it did with me and saved me doing a claim. look at my thread

Hi I got really into trouble with my smile account and they took my check book off me several hundreds of pounds later they agreed to stop adding charges to the account. It still cost between £600-900. Since I have closed the account down as I wasn't using it however can I still claim for what they did charge me as it was serious amount that really spiraled out of control?

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Hi I got really into trouble with my smile account and they took my check book off me several hundreds of pounds later they agreed to stop adding charges to the account. It still cost between £600-900. Since I have closed the account down as I wasn't using it however can I still claim for what they did charge me as it was serious amount that really spiraled out of control?

 

Yes dubai you can claim for up to 6 years even if the account has been closed.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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  • 2 weeks later...

Hi,

 

Just got a refund for £290 (£260 charges and £30 court fee) and a letter saying that although they believe their 'charges to be fair and transparent' they have creditied me my £290 back!!!

 

They also say 'To avoid charges in the future you must ensure that your Smilemore current account never exceeds the agreed overdraft facility'. Does that mean if I just accept the refund and do go overdrawn I will not be able to claim? Should I write to say thank you but I only want to be charged in accordance with the OFT ruling?

 

Also I will be paying more than 5%. I had no idea this site even exsisted until I read someone posting on the redissue football site. I think everyone who used this site heaviliy should seriously think about donating more.

 

Many thanks to all who helped/

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Hi,

 

Just got a refund for £290 (£260 charges and £30 court fee) and a letter saying that although they believe their 'charges to be fair and transparent' they have creditied me my £290 back!!!

 

They also say 'To avoid charges in the future you must ensure that your Smilemore current account never exceeds the agreed overdraft facility'. Does that mean if I just accept the refund and do go overdrawn I will not be able to claim? Should I write to say thank you but I only want to be charged in accordance with the OFT ruling?

 

Also I will be paying more than 5%. I had no idea this site even exsisted until I read someone posting on the redissue football site. I think everyone who used this site heaviliy should seriously think about donating more.

 

 

Many thanks to all who helped/

 

thats great news redn1ck well done.I'd take the money and say nothing further. if for any reason they make charges in the future then simply reclaim them again.:p

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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:grin:congrats!, yes I agree this site is great!

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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