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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • 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
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New Banking Code!!!


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Well isn't life strange. You never see any blue cars and then along come three all at the same time.

 

You never see any official action on penalty charges and then three come along all at the same time.

 

First there was the Which? campaign. Then the OFT announced they were going to make an announcement.

Then a new Banking Code which apparently will contain revisions to do with customer fairness.

What on earth is going to come along next. An OFT announcement maybe?

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haha, here's hoping...!

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The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

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Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Has the new banking code been publically published yet? I used a large chunk of it in my second LBA, and I feel that I may need to appraise myself of the changes in the relevant parts.

 

However, it is unlikely to be backwards compatible, so my issues stand as far as the bank is concerned.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Don't you see the stitch up which is being worked here. OFT statement - tomorrow, apparently. Banks respond almost immediately with new Banking Code next week.

Which? magazine points to its campaign and says we welcome this, their campaign has anticitpated the changes which will be announced. however the OFT announcement will be based upon proportionality in that if you bounce a big DD then you pay a big charge - a little one - you paty a small charge

Customers who consistently run their account poorly will be more deserving of charges than ocassional offenders and a cap will be announced by the OFT

 

And what do you know, it all fits in nicely with the WHich? campaign.

 

new emphasis on responsibilty and culpability etc

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I smell a number or Rats.

 

All this new stuff is now, so it cannot be back dated am I correct?

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Of course the whole crux of the issue will be in the wording:

 

If the OFT/Which statement is purely 'guidelines,' then nothing will have really changed, and it can therefore still be challenged in court.

 

Regarding the Banking Code - I would imagine that this will remain 'voluntary,' and therefore will still be worth less than the paper it is printed on...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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The issue of back-dating doesn't arise. None of it is law.

 

It is only when you notice something called The Penalty Charges Abolition Bill going through Parliament that you can start to be concerned - and even then it wouldn't be backdated

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I love this forum. It is addictive. Especially the twisted, dry, comments. I expect the banks love this site too.

 

I want to change from IT to law.

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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OFT announcement is due tomorrow.

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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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I expect the banks love this site too.

I expect they hate this site...suddenly they are swamped with thousands of queries, meaning that they actually have to do some work for a change...and the real kicker is that they can't rip us off when doing this work. £5/£10 is all they are able to charge us...ooooh I love that!

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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..and of course - it ultimately ends up with them having to pay back money that they had no entitlement to as well ;-)

 

Nice. Justice for a change.

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I have never been happier than the day I went through by bank statements and highlighted everytime I had been charged. How strange...

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I have never been happier

There is a certain righteous satisfaction...but I am sure you could think of a happier moment if you tried hard enough...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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I expect they hate this site

 

I'm not too keen on them either ;-)

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Aaaahhh...hate is such a toxic emotion to bear. I don't hate the bank...but I do have utter loathing and contempt for them...these can easily be quenched by them getting down on their knees and licking off the mess they have left on the bottom of my boots!!!

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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  • 1 year later...

And it is here...and tomorrow I have a meeting with NatWest...for an "account review" When they booked this meeting I asked what the review was for, to which they replied "your £1000 overdraft facility..."

 

"Would that be the £1000 overdraft facility that I specifically stated that I didn't want, and confirmed this in writing, but you still applied it to my account regardless?"

 

"Yes, that's the one..."

 

So, today is the new banking code, and I have found the section that I wanted, in advance of the meeting:

Upgrading your account

 

7.2 We will not upgrade your current account from a free account to a fee-paying account without your permission, unless we plan to upgrade all free accounts of that type.

So, I guess that means we will all be getting 60-day notices that they plan to upgrade all free accounts to fee paying ones...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Upgrading your account

7.2 We will not upgrade your current account from a free account to a fee-paying account without your

permission, unless we plan to upgrade all free accounts of that type.

 

Additional notes from Subcribers (Banks) Guidance:

Subscribers may offer customers the opportunity to upgrade their current account from a free account to a fee-paying account. An upgrade should not take place unless the customer has given their express consent for the subscriber to do so.

 

Express consent is not required where it is the subscriber’s intention to move all customers on the previously free account to a fee-paying service. In these circumstances all customers will be:

• given at least 30 days notice of the subscriber’s intention;

• given the opportunity of 60 days from the date of notice to, without penalty, close their account or switch to

another account; and

• informed of any alternative free current account with equivalent facilities currently marketed by the subscriber.

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Well, what a surprise...or not...my "review" consisted of two options: take on a managed loan, or "upgrade" to a fee paying account. I pointed out that "upgrade" implied a positive benefit to me, and that I didn't consider me paying the bank £10 a month either positive or beneficial...

 

"Well, Mr Spice, those are the only two options available to you..."

 

"Is that so...well let me discuss the new banking code, and specifically section 7.7.2..."

 

It is no surprise that "...we haven't seen this yet, and are expecting delivery of copies some time soon...but I see your point about this not being an enforceable option."

 

The only obvious option, one not even considered by the bank, was to continue the account as is, and that is the option we finally agreed on. Two years on, and they still act the ignorant bullies that they are...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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...of course, the third option would be to walk away and ignore them. Not very much will come of it, apart from the added bonus to you of not being able to borrow any more money from legalised loan sharks by way of buggering up your "credit score" with a few privately run limited companies.

 

It's the option I personally favour to be honest.

 

...and as for the Banking Joke - sorry Code; it's voluntary and there are no penalties for breaching it.

 

Hmmmmm...plus the banks haven't even got a copy, or keep their staff trained up with regards to it's contents.

 

I think that maybe, just maybe, the Banking Code is simply a PR excercise....maybe?

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is this thread 2 years old?

 

cos 'spiceskull' posted 4 April 2006 and then next 1st April 2008 ....

 

when did the 'new' banking code come into force?

 

 

We might be trapped in a time warp! I hope we can go back in time cos I would put my claim in well before the OFT case stayed everything :(

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I hope we can go back in time cos I would put my claim in well before the OFT case stayed everything.

 

I'd put mine a year before that in 2006 when they were paying out quickly!

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is this thread 2 years old?

 

cos 'spiceskull' posted 4 April 2006 and then next 1st April 2008 ....

 

when did the 'new' banking code come into force?

LOL - I was excited two years ago about the new banking code of 2006...and as if by magic, two years later, it seems the banks have ignored pretty much everything in it, and hence the new "improved" banking code of 2008...roll on banking code 2010...when things will be just as they are today...and as they were two years ago...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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...of course, the third option would be to walk away and ignore them. It's the option I personally favour to be honest.
Yup...although to continue as the account is was my preferred option...I don't mind paying a couple of quid a month in interest, even if it is above the "lower" loan rate...one account, one set of interest, one set of figures, one thing to worry about...keeps it nice and simple.

 

Besides, I am sure you will remember what happened when HSBC closed my account, and I spent about three months as a non-person, completely unable to prove my existence...that was frustrating, and I have no wish to repeat the experience...

Hmmmmm...plus the banks haven't even got a copy, or keep their staff trained up with regards to it's contents.

 

I think that maybe, just maybe, the Banking Code is simply a PR excercise....maybe?

Yup again - isn't that just the biggest joke - "we subscribe to the banking code, but like all other subscriptions, throw it in the bin as soon as it comes through the letter box..." A PR exercise and nothing more...the biggest shame is that they print millions of copies, thick glossy paper, and spare no thought for all the poor trees that died for the cause, and all the wildlife that lose their habitats...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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