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    • My Ebay account was permanently suspended for "buying activity" allegation. I literally have no idea what they are talking about.   It's literally impossible to contact them by email or phone if your account has been suspended. They owe me: 1. £400 for items sold which have been delievered to the buyer 2. £350 for a faulty computer screen I purchased , which I now can't return. It's unacceptable they should hold my monies under these circumstances.I have video evidence the computer screen is faulty. But its completely frustrating, because you cannot under ANY circumstances contact  them by email or phone if your account has been suspended. So I cannot find out what guidelines I'm supposed to have broken. I'm not prepared to accpet this. I have Ebay's physical address. I am going to go to the small claims court, and appoint bailiffs `if I win and they don't pay up. Do you think Trading Standards would be interested? Or is there an Ombudsman to go to? With literally millions of accounts, this must be happening all the time. Ebay must be retaining millions of pounds under false pretences. Is it not the law you can retrun a faulty item bought over the internet, whether from ebay, or anywhere else?
    • Although this situation is mildly disturbing like a fly trapped behind the curtain on a warm day, your creative responses are always a joy to read, Dave. Cheers. Will send across. 
    • Hi I stupidly left my handbrake off,  and my car rolled down a hill and into a fence owned by a company. I am a part owner of the company that owns the fence. My car insurance (Prima) states they won't cover the damage to the fence, just the car as they state  "you own the land', although I don't and I did make that clear to them when reporting the accident.. I understood a company is a separate legal entity, so should be considered third party damage and car insurance should cover? The property has a £400 excess and I'm already going to be paying out the £500 excess on car insurance, so want to avoid paying both if I can.. Thanks for any advice you can give...
    • Lowell , Cabot etc, I'm not sure how I can politely put this, but F taking money from your kids mouths to pay them!
    • Yes, they are digging themselves into a ditch, with regard to people like you who fight back. Remember that, sadly, the vast majority of motorists who get these tickets think they are fines, that companies like ECP have some sort of official status, and give in and pay. They are just putting barriers in your way and encouraging you to fold. How about this as a reply - Dear ECP, Re: Subject Access Request PCN no.XXXXX I refer to my Subject Access Request dated XXXXX and received by yourselves on XXXXX. Thank you for your bizarre letter of 23 April.  Your letter requests Photo ID - which I have already sent to you.  The letter also requests proof of ownership of the vehicle - this is impossible to produce as the vehicle in question was on hire. In any case requests for proof of ownership are silly given your PCNs invite registered keepers to nominate drivers who do not own vehicles. I note all this concern for correct identity was absent when you decided to send letters threatening me with all & sundry if I didn't pay you money! The SAR was received on XXXXX.  I have already sent Photo ID.  The clock is ticking.  I am well aware that I would have the right to complain to the ICO and to sue you for not respecting your statutory duty should you not respect the 30-day deadline. Tick, tock. Yours, XXXXX
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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.
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interest


kezzer
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first of all - hi guys - I love this site, power to the people! I'm looking to claim back around £500 in fees from First Direct over the last 2 years in overdraft charges. I've got all my statements - cos I'm slightly anal - so I'm ready to go EXCEPT I don't know how to work out what I should charge in interest.

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I'm so bad at maths I can only count to 20 if I'm wearing sandals, and yet, I managed the Excel sheet!

 

the whole point is you don't have to do any maths:

 

"In respect of" : enter "refused cheque, bounced d/d", or whatever caused the charge.

"Amount" : just write the amount, no £ sign, like this, 20.00, or 38.00, you get the idea.

"Date Incurred": written like this, 02/04/06

"Days since Offence": don't write anything, Excel will work it out.

"Interest 8% APR": don't write anything, Excel will work it out.

 

Delete as many columns as you need to between your sums and the total column, make sure you save a copy named after the bank you're pursuing (especially if you're going after more than 1). Voila.

 

Next time you open the doc, it will automatically update the accrued interest, and there you have it. No maths at all, it's all been done for you.

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Hi kezzer - email me the charge amounts and dates they were incurred - I will send back the spreadsheet readu for you to put your own details in (name and acc number etc etc)

 

Have sent you a PM too

..

.

 

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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I might be wrong, but isn't the spreadsheet only for use when the case gets to court and you need to claim the 8% extra that the court allows? This is different to the interest that you have already been charged on the fees and are surely due back.

 

There are different lines of thought about claiming back this interest - I'm sure I've seen elsewhere on this forum the thought that in court the bank might say 'but surely we're entitled to something?' - and a good response would be 'yes - that's why we haven't claimed the interest'.

 

I have put together a spreadsheet to calculate this - it's neither pretty, clever or easy to use - but if you'd like a copy send me a PM.

 

Regards....

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You are quite right - interest on those charges is ONLY added if you have to issue court proceedings.

 

I had presumed, possibly wrongly(?), that kezzer understood this.

..

.

 

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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thanks guys...I'd assumed the spreadsheet was for working out interest to charge to the bank for the original charges, not the interest from the date of claiming it back. Obviously, I was mistaken there. Thanks for your help anyways. I've got my preliminary letter in the post today, claiming back £589. Will post new thread and keep you updated.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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