Jump to content


  • Tweets

  • Posts

    • When were you stopped please? HB
    • Really interesting video on 'growth' from some who used to be a top city trader.  
    • Thanks HB, i will take your advice 
    • Update: I wrote again to WODC and again they have failed to reply. I also wrote to my 2 local councillors and the Leader of the council.....   Only one of them responded, my local councillor who also happens to be "Executive Member for Finance" , and he said that he had asked the relevant officer to look into it and report back, then he would come back to me with the response. I haven't heard back and it's now a week. I'm seriously beginning to think that someone there has been alerted to the fact that they have fuffed up, and they are dragging their feet until they can cover their arse! Do you think it is worth sending a reminder email to the councillor that responded, or should I give them a little longer ?  I have stopped receiving SMS's from B&S so maybe they have been asked to lay off, but I have no sure way of knowing ! I also have the email address of the CEO of the council, maybe I should send him a copy of the above, stating that I am still waiting for a response and that I am completely in the dark about B&S.
    • There's no need to borrow words from another thread here; we don't have a template. Do this in your own words or it won't sound sincere and may not even apply to your particular case. If I were in the investigations department, I wouldn't be impressed by someone who copied and pasted rather than write their own letter. And please don't use AI for this, people can spot the style a mile off. Para 1 - tell them why you did it, no excuses other than trying to save money. Para 4 - tell them you're using the PAYG card. They won't tell your employer but you probably should if you're convicted. Covering up a conviction is worse than having one in the first place. ETA: Check if there's anything in your employment contract. As I said, you don't send anything until you hear from them because they won't be able to find your case without their own reference number. HB  
  • 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

Bank Charges


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6426 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

Hello everyone,

 

Please excuse my ignorance but not having used forums before I contacted a member with a query through pm and was advised to post on the forum proper.

 

My message was as follows with the reply I received. Thank you vampiress :)

 

Hi,

I need your help? I am in the process of claiming my bank charges over the last 6 years. I have had a authorised overdraft limit on my account over this period. I need to know how to calculate the interest charged for going over the authorised overdraft limit when accrued bank charges/paid referral fees? I have had a look at the spreadsheets available but they only calculate at 8% APR, is there a way i can alter the interest rate to co-inside with the APR at the time when i went over my overdraft limit when i accrued paid referral fees? :)

 

many thanks

Hi,

 

Take a look at the Google spreadsheets in the Bank Templates Library. Alter the 8% to the contractual rate used by your bank. Make sure you do not add a further 8% statutory interest rate on top when you raise your court claim. You can find the interest rates on your own bank's website.

 

Please post any further queries on the site in a post, as others will appreciate the answers, I'm sure.

 

Good luck.

 

And now my followup question is.

 

Hi,

 

A little confused with all the info on the website. Can i claim the contractual interest from the beginning of the claim. Or can i only claim this if it goes to court? Is the contractual interest the AER (annual equivalent rate)? Do i then divide this rate by 12 for each month i was charged?

 

I also have a Capital One credit card and have contacted them and they told me the Contractual Rate is 41.8%. Im abit suspect about this as it sounds really high?

 

Thanks again Vampiress.

Link to post
Share on other sites

You cannot claim legal interest as this is legal in your agreement however if in the event the interest being charged is a result of unfair charges on those occasions you can claim this back. If you need any other help just shout.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

People can correct me if im wrong but say you get charged £30 unpaid items charge then that takes you into an unauthorised overdraft and then at the end of that month on your statement it shows £10 interest you can claim that. For as long as you stay overdrawn with them as long as it is a result of a charge being put on the account you can claim that type of overdraft interest.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

People can correct me if im wrong but say you get charged £30 unpaid items charge then that takes you into an unauthorised overdraft and then at the end of that month on your statement it shows £10 interest you can claim that. For as long as you stay overdrawn with them as long as it is a result of a charge being put on the account you can claim that type of overdraft interest.

 

yes that is correct.:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...