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    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
    • @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.
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      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.

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Skyline v NatWest


r33skyline
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Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?

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Afternoon all

 

I am trying to list my unfair bank charges

 

Can i claim Debit Interest ?

 

I also have a

 

CASH OUT - BRANCH £4906 @ £0.57p per £100 = £27.96,

 

PAYMENT OUT - MANUAL 18 @ £0.67 EACH =£12.06

 

ARE THESE DEEMED FAIR OR UNFAIR ?

 

please can you explain

debit interest?

 

cash out and payment out no sorry.:D

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L Lad

 

The debit interest

 

I have no explanation and its only £1.00 i shall ignore for the moment

 

thankyou for the help .

 

 

hi you cant claim it. only charges eg unpaid DD/SO CHEQUE referal Overlimit and missed payment. trhe FAQs help to guide you through the process:D

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Yes its a penalty for being overdrawn at £3.50 per day

 

from natweststaffmember

 

Originally Posted by natweststaffmember

Have amended the thread so that Uarranged borrowing fee formerly called excess borrowing is now there so YES you can claim them back

 

Hope that helps

 

 

NWSM

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I have completed my spreadsheet with five years of charges

 

I have been looking for a suitable letter template to use to send with my spreadsheet asking for these unfair charges to be refunded to me

 

Does such a template exist ?

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This is the correct letter.

 

Not sure i like this letter if its the right one

 

If you don't like it then write your own, but our letters are tried and tested and have been used successfully thousands of times.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 3 weeks later...

I sent the spread sheet and prelim letter to NatWest and thet have written back to say their charges are fair ,reasonable and transparent

 

I claimed on the spread sheet

 

Excess Borrowing

Paid Referal Fee

Unpaid Items

Referal Charge

 

Copy of letter received fron Nat West

 

Dear Mr xxxxx

 

Thankyou for your letterof 16th September 2006 recieived at my office on the 3rd October 2006 about the charges you incurred over the last six years .I am sorry youwere unhappy with the service you received but grateful that you took time to write to explain why.

 

we believe that our charges are fair , reasonable and transparent.We considerthat the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff,which we are satisfied,complies with all applicable laws and regulations.We are also committed to ensuring the transparency of the information that we give to our customers about the operation and products.

 

In case you wish to take this matter further i have enclosed a leafletexplaining the options available to you.I hope you will not find it nesessary,and if there is still anything that you consider unresolved do call me on 02380273428 and i will be happy to help.

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Hi,

Just a little advice I found helpful.

Have a read of other people's threads (especially those who are quite a bit further down the track) as you will find that a lot of letters others have recieved from the bank are very similar and you can compare those you receive to them.

It gives you a lot more confidence when you know others are getting the same standard letters as yourself and winning their money back.

Good luck!

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  • 2 weeks later...

A copy of my claim through Money Claim as of today ...£ 120 court fee was a little expensive i thought .Trust i will be refunded if i win .

 

 

. The Claimant has an account 157XXXXX with the Defendant, opened 1990 2. Since 30/11/2000 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1455.50; (b) Interest per S.69 County Courts Act 1984 of 8% - £301.96 continuing at 8% until judgment or settlement at a daily rate of £0.32; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

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  • 1 month later...

jane641

 

I have recieved this from Moneyclaim,where does this leave me ?

 

Nat West Bank

spacer.gif********

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

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