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    • Budget Star Limited   Registered Address: 26 Bridge Road, Saltley, Birmingham, England, B8 1TD   Company Number: 12819679   Company Status: Active   Company Type: Private Limited Company   Incorporated: 18th August 2020   Director: Mohammed Waqar   Companies House Link: BUDGET STAR LIMITED overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK BUDGET STAR LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return...     Endole Link: Budget Star Limited - Company Profile - Endole SUITE.ENDOLE.CO.UK Budget Star Limited is an active company located in Birmingham, West Midlands. View Budget Star Limited profile, shareholders, contacts...    
    • Thanks. I did all that but I will try it again. Strange thing is that although the screen says it’s me, the user profile is my daughter. I will try again but reckon I will need to call them. 
    • Hi   It a bit late now as you have sent them a letter before action but I would have waited for their response to those questions especially number 1. and to clarify for you asking these question would not put you in the position of Mears implying that you agree the money is owed as this money for the Roof Repairs is in Dispute with yourself (Landlord).   I would wait and see what response you get from Mears.   Also have a good look at Mears website and see what other bodies they are registered with   In the mean time something else to consider sending Mears is a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase covers all data they hold whatever format they hold it in whether it be recorded calls, written, emails etc.   They then have 30 Calendar Days to respond to your SAR Request, this time limit only starts once they acknowledge your SAR Request.   If they completely ignore your SAR Request then you make a complaint to the Information Commissioners Office (ICO):   Your right of access ICO.ORG.UK     What to do if the organisation does not respond or you are dissatisfied with the outcome ICO.ORG.UK   Make sure and put it in writing and get Free Proof of Posting from Post Office   Note: a SAR is now Free there should be no cost involved due to the DPA 2018 & GDPR 2018   I know I have asked a couple of times now but is there any reason why you can't post up a Redacted copy of that Agreement with Mears (in PDF Format)?    
    • Sorry I can't edit the post now meant to change it so that the Claiment is (lowell portfolio LTD)   I have done everything you have said already.   registered online on the GOV site, I have my date set already to file for defence which is 2nd February, CCA request sent off along with CPR forms recorded with postal order.   I have had a reply back already from Overdales sending me the same CCA information as last time.   All that is left to do now is file my defence online. Overdales no longer wish to respond to me unless I make payments. I will file my defence online Thursday next week. (my DO work)   post #6 has the CCA information overdales sent me as per post #20 if you could cast your eyes on the PDF document again they don't seem to have sent much and it's what they appear to be using in court.   Would you say that is enough info for them to use should it go that far? my defence is that they haven't supplied all the paper work to make and informed decision about the debt and they haven't complied with any S78 request or offered any explanation as to the missing documentation I have asked for it has left me in a position regarding payments to any debts up in the air because there isn't enough information regarding the debts.   Thanks   Again
    • name of claimant is not overdales - a solicitor representing a client cannot be the claimant.   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site Go to HMRC's login page. Click the GREEN sign in button. Click “Create sign in details” Enter your email address where asked. You will now be emailed a confirmation code. ... You will now be issued with a User ID for your government gateway account.  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant ...YOU MUST SEND A CCA REQUEST FOR EACH DEBT IN THEIR POC https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............      
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Paul23870 V Abbey (Scotland - need help please)


paul23870
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Some good news at last!!! Proceeded with court action in small claims court here in Scotland last December as fed up with Shabbeys cocky Indian call centre staff (its your own fault for incurring these charges etc).

 

Claim was for £184 plus £39 court expenses plus interest.

 

Won case last month as THE SHABBEY never replied to the summons or turned up in court despite their threatening letters that they would produce, in court, a breakdown of their costs involved when i went overdrawn (i had asked them for this).

 

Waited 2 weeks for them to pay up. Sent recorded letter demanding my money back (a taste of their own medicine is SSSOOO sweet) otherwise i would go to national media. No reply!

 

Just checked my online bank statement and see a cheque for £228 was paid into my account at their Milton Keynes branch on 14 March. Thats a long way from Scotland!! (Very discreet...like a naughty child thats been forced to apologize).

 

Still no correspondence from them but at last i have my money back.

 

Now going for the full 6 years.

 

Keep fighting, Paul

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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Great - can we have your claim details for our litigation section please.

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  • 2 months later...

abbey have used the microfiche excuse & its now well over 40 days since i requested 6 years of statements (d.p.a.). they sent back 18 months of paper statements together with my cheque for £10 back. i sent it back with letter from templates library. they replied with microfiche argument again & said that my £10 cheque would pay for this (impossible as they have sent it back to me twice!).

my question is.....if i take abbey to court for non compliance of a d.p.a. request will their microfiche argument stand up in court?

any suggestions welcome, thanks

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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The microfiche situation has been discussed a great deal - do a forum search on microfiche. There is also information on DPA Non-Compliance in the Bank Template Library.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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  • 3 months later...

Hi, having problems right now with finances as wife been off work for a year due to horseriding accident. Recently gone onto half pay hence mega bank charges (already have about £3k to claim back over last 6 years). Phoned bank to see if wife received ANY wages for this month.........

"Hi, I'm phoning to see if my wifes wages went in last thursday."

"For security can you tell me of any recent transactions on your account?"

"Yes, last thursday my wages went in for £***'s."

"And anyones elses wages...how much were they for?"

"I don't know, thats why I'm phoning you."

"Let me see....no there was no money paid into this account last thursday."

"Nothing at all?"

"No, nothing paid in at all."

"Yes there was...my wages went in." (I am paid weekly).

"No, in fact no money has gone into this account at all last month."

"Yes it has...my wages..."

"No, nothing has been paid into this account at all last month."

"Yes it has...my wages have been paid in EVERY thursday."

"No, nothing has been paid into this account at all last month."

"YES IT HAS...MY WAGES HAVE BEEN PAID IN EVERY THURSDAY!!!"

"Let me see, ah yes sir, money has gone in on thursday but only one payment, not two wages."

"TTTTHHHAAANNNKKKYYYOOOUUU!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"

 

Anyway, this has nothing to do with refunding charges but it shows the incompetance of the banks (and may brighten up your day...do I laugh or cry???). Their customer service is appalling...they just want to save money wherever they can (as if they don't make enough). The poor customer is treated as if they are an irrelevance.

 

Good luck everyone...they shall be beaten.

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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complete txssers!!

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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I know, I have to deal with them for Abbey and Sky, now lets get this correct for fear of being labelled racist, these are all degree level educated people and are mainly polite, BUT its not what we need for a call centre for a British company, the call centre for a british company needs to be in the UK, when are they going to get the message?????

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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I spent 2 and half hours going round in circles other day with bt internet - basically Nat west have cancelled my visa and i never thought to change payment method - broadband cut off - rang up and was put through to these people who decided it was because my mouse doesn't right click, my line was faulty, i am not a regular customer! every time i offered payment i was passed elewhere in the end after changing my settings about 6 times they eventually took my payment and wished me a nice day - I had stema coming out of my earholes. I am not racist in any shape of#r form but I do xpect ot be able to communicate with my providers.

Consumer Health Forums - where you can discuss any health or relationship matters.

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is right English is a very complicated language to understand, you just cant pick it up in a week. However grabitbanks dont care about customers just shareholders and bonuses!!!

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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hi, yes i agree totally. it is of course not a problem of race but the fact that they are thousands of miles away and do not seem to relate to british banking. they do not seem to be degree educated. is this correct? it seems as if they are just plucked off the street and given a phone to answer. paul.

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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the worst thing is getting a fookin machine!!! press 1 press 2 new choices press 1 press 2 and it always gives you your balance wether you want it or not. Give me stregnth!!!!!:mad: :mad: :mad:

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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hi, yes i agree totally. it is of course not a problem of race but the fact that they are thousands of miles away and do not seem to relate to british banking. they do not seem to be degree educated. is this correct? it seems as if they are just plucked off the street and given a phone to answer. paul.

 

I understand that to work in a call centre is a well paid job - what level of education I dunno - maybe a degree in languaguages certainly ahven't come across one that has a first in English!

 

Was trying to book train tickets through one a while ago - don't even try it cos of mis prounanciation you never knbow where you may end up.

 

Car Ins - my hausband had a 30 month ban come to an end - they wouldn't accept that this was less than three years - their script and understanding was just soul destroying! ooh never did get that car insured - divorce was simpler!

Consumer Health Forums - where you can discuss any health or relationship matters.

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I understand that to work in a call centre is a well paid job

 

Not in Britain, it isn't! :rolleyes:

 

I noticed on a Churchill ad earlier that one of the questions asked was "are your call centres in Britain?". Obviously a serious bone of contention with customers, and quite rightly so too.

 

I remember reading that some call centres in ... India? were trained in British things to help them get a better understanding of the callers, and even were given British names :rolleyes:

I thought it was an exxageration until I spoke a few months back to a gentleman at GE Money who assured me his name was Sean, despite an Asian accent you could have cut with a knife... Now, there is a possibility is name may have been Sean, but somehow I have my doubts.... :rolleyes:

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Not in Britain, it isn't! :rolleyes:

 

I noticed on a Churchill ad earlier that one of the questions asked was "are your call centres in Britain?". Obviously a serious bone of contention with customers, and quite rightly so too.

 

I remember reading that some call centres in ... India? were trained in British things to help them get a better understanding of the callers, and even were given British names :rolleyes:

I thought it was an exxageration until I spoke a few months back to a gentleman at GE Money who assured me his name was Sean, despite an Asian accent you could have cut with a knife... Now, there is a possibility is name may have been Sean, but somehow I have my doubts.... :rolleyes:

 

No i meant foreign call centres are allegedly well paid. Rubbish over here and awful working conditions and expectations of staff.

And yeah I asked one who was called dennis ( and he was a bloody menace) if that was his real name and he said no but it kind of translated to his real name.

 

I have had a lot of cold calling offering me a secured loan or cheaper mortgage since I made an internet enquiry about 6 months ago, and they just do not shut up until they have finished what they have on script - even after you tell them to sod off they carry on with script.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Sorry but I am in total shock.....phoned Abbey to cancel all of my direct debits as I am opening a parachute account prior to reclaiming charges. Got the usual foreign call centre on the other side of the universe (he kept saying, "so you want to set up a direct debit?" "No, I want to cancel them." This went back & forth about 4 times). Got there eventually....then realised that I had forgotten one so I phoned back............

OH MY GOD, THIS TIME THEY HAD AN ENGLISH ACCENT!!!!!!!!!!!!!!!!!!Do you think they were on a bus-mans holiday???

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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Paul, sometimes when you ring Abbey, especially first thing on a Monday morning, you get through to Scotland

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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when i got one of the first bog off letters they made the mistake of giving me another phone number to ring and there all english speaking the number is 08457 654321 and low and behold someone who has a least a grasp onenglish no more helpful though its not just for data stuff either its for general requests probably for the staff so they dont have to phone the call centre as when your in the branch and they phone for you they never speak to a foreign call centre irionic isnt it!!

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yes that number is the glasgow site. it isnt open in the evening like the other number though.

 

lisax

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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Hi, just been doing some research on this Mercantile Court situation and came across a website that has an article stating that County Courts in England are now refusing to hear Bank Charge Refund Cases due to an upcoming test case at a Mercantile Court in London later this year.

Go to Financial News, City News, Mortgages, Loans, Savings, Pensions, Market Reports | This is Money and type "bank refund" into the advanced search box. Story number 2 is titled "Bank refunds put on ice by court...."

What implications does this have for us all?

Does it apply to claims going through the small claims court?

Any suggestions from anyone (MODERATORS PLEASE HELP!!!).

Is this not a big story?

Paul.

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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It was a fairly big story back in July when it was actually published.

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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Oops, sorry folks, I thought this was a new story. My apologies....so are small claims still going through OK? I am starting a claim through Moneyclaim today as I have received no reply from Abbey regarding my request for a refund of charges.

Again, sorry for giving anyone a heart attack. Must be all the stress of dealing with these banks!

Paul.

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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Hi there, sent a recorded delivery letter to shABBEY to claim £720 in charges. Went to Royal Mail website and printed off the signature and date of delivery for this letter (delivered 8th September). I threatened court action if they did not pay up within 7 days.

I have received NO responce from shABBEY at all.

Today I was preparing my small claim forms when I thought I would phone up to check if anything was paid INTO my account since 8th September (apart from wages).

On 8th September £430 "ACCOUNT ADJUSTMENT" has been paid in.

REMEMBER....I HAVE RECEIVED NO LETTER FROM shABBEY

Do I accept this in writing and claim the remaining £290 from them OR proceed with my small claim through the courts for the remaining £290 straight away???

Any help much appreciated,

Paul

P.S. still have about £3000 in charges to claim back...am going for £750 at a time.

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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Sounds sensible,

thanks,

Paul.

Let the battle commence! Victory is imminent!

 

Abbey £228 charges refunded- no defence filed in small claims case

Abbey £720 claim. LBA sent. £430 refunded with no letter sent. Claim for full £720 sent to small claims court.

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