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    • I repeat, the seller has the right under the CRA to repair. That is exactly what they have offered.   The OP doesn’t even know what the fault is, you cannot simply reject if a light has appeared. OP is being completely unreasonable.   The CRA is designed to be fair to both parties, it is not one sided.         
    • I only got the car 3 weeks ago, had the car serviced as it was coming up to the service date and was advised by the garage that the Tyres were illegal so I think it’s cut and dry really. The fact is I was allowed to drive a car off the forecourt with 2 bald tyres and I was told by dealer the car had been checked and surely Tyres should have been part of the check.
    • Less than 100 miles not enough miles or time to wear the Tyres enough according to the garage. I’m more angry I could have got up to a £5000 fine and 6 points, what would the dealership responsibilities be then? 
    • If the OP follows king’s advice and then the neighbour’s roof leaks, who do you think the neighbour will blame? a) the dodgy “roofers” (who will be long gone), b) the OP for “damaging a perfectly good repair” (even if they don’t damage it, and it wasn’t a good repair!), or c) someone else   King may be technically correct, but the OP following their advice isn’t likely to end well if the neighbour is already ‘difficult’. 
    • I sent a SAR. which also provided a copy of proof of ID, last month to Northumbrian Water, and received no reply whatsoever.   After the 30 day deadline passed i sent off a complaint form to the ICO and sent a letter of claim to NW for breach of statutory duty. (As up until today they had failed to respond in any way to the request that was made)   Today i received a reply saying the my ID wasn't in the standard format and they could not accept it,   (The exact same copy of ID has not been an issue before and the exact same image was accepted perfectly fine by a previous energy company i SAR'd), and that they required i give them 2 forms of I.D, 1 from list A and from List B Along with questioning the alternative address like i mentioned above.   I wanted the request to be sent to the alternate address, as i work full time and i'm not always at my home address, i'd most likely not be in at a time when it can be delivered and can't get to the delivery office easily enough before it would be returned back undelivered. (Which i wanted to avoid happening again as this happened to the last SAR i made.) The address is my partner's address, where i regularly go and who also works from home and wouldn't have issues receiving/collecting mail.
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
surreyscouse

For the bank workers.......

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If somebody asks for the last six years statements, do you automatically assume that they want them to get charges refunded ? And why do you ask why a customer wants them ? (as if you can say no anyway)

 

Just wondered as I requested statements the other day (which turned up today) and was asked why I wanted them. Erm........ as if he was going to go the extra mile and sort it all out there and then ! I don't think so !

 

Also, have you seen one of these letters come in to your office requesting charges are refunded and what was or is the reaction from staff ?

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If somebody asks for the last six years statements, do you automatically assume that they want them to get charges refunded ? And why do you ask why a customer wants them ? (as if you can say no anyway)

 

I left the bank before people started re-claiming charges, but I did used to ask why people wanted copy statments. The reason I asked was sometimes, the information they wanted was available elsewhere. If so, they may be able to get their answer quicker. Also some customers asked for copy statments to use as proof of previous address when applying, for example, to rent a house. Our copy statments don't show the address, so by asking why the customer wanted them, I could 1) save the customer £5 and 2) save them waiting a few days for somthing that would be useless to them when it arrived.

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Same as Andy999 really,

when i worked at Nationwide, it was before the whole charges thing. i often asked why, just beause they were available online. we didnt charge, but it just meant that it would save a whole lot of time and stop the customer coming back stating they hadnt arrived

 

I know that if a customer at the time was not registered online, the branch form did have a box asking if there was a reason (from what i can remember)

 

Aiden


Printed off all statements off the net 5/4/06

total ILLEGAL charges:

£968.95

Letter posted to Lloyds 6/4

LET THE FUN BEGIN!

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Until I found this site, no I wouldn't have thought anything of it. Nowadays I would suspect that they were probably wanting their charges back (and maybe wish them good luck!). Since DPA came in I've only seen 1 DPA request (and no-one had a clue what to do!)


(Yes I work for a bank but am here to help! Please be nice to me! :))

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I never saw a DPA request. I had a couple of people say they wanted certain information and quote the DPA, but it wasn't necessery for them to actually make a DPA request as the information they wanted was available to them anyway.

 

That's another reason we ask why people want things - why pay £10 and wait 40 days to find somthing that you can find out for free?

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the reason you are asked is because to supply statements takes alot less effort than a subject access request (DPA request)

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Also the (library) DPA request asks for any note for manual intervention, as this is part of the basis for the large charge. No one would charge £35 for a compter clock cycle so obviously theres been manual intervention... hasnt there? You can back that up can't you? No...? aha!

 

etc etc.


RBoS:

Student Current Account: £300

Current Account: £100

Total = £400

 

  • Statements requested 3/4, Received 26/4.
  • Pre-lim letter sent for both accounts 29/5.
  • 'Bugger-off' reply received 7/6.
  • LBA Hand delivered to Branch Manager 9/6
  • Reply received and ensuing email conversation terminated 21/6.
  • Claim Filed with Edinburgh Sheriff court 27/6.

  • Return Date is 01/08, Hearing Date 08/08!
  • Letter REcieved 2/8 offering £280, Declined.
  • Phone call same day offering full amount + fees.


RESULT!!

 

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we used to ask because you might have been looking for a specific puchase and rather than send you loads we can look for it and send just the statement it's on.

 

Now though I just assume it's the charges and send them all. At my bank, you don't need to DPA request this info.

 

And yes I've seen the letters, I reply to them (don't all boo and hiss) I'm only allowed to offer so much at a time, although the powers that be are changing this to offering out right to reduce all the fees to £12, based on the fact the OFT says £12 is legal (and then auto have to put we disagree)

 

but don't think i'm some high up manager, the person who signs the letter is usually isn't the person who writes it.

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And yes I've seen the letters, I reply to them (don't all boo and hiss) I'm only allowed to offer so much at a time, although the powers that be are changing this to offering out right to reduce all the fees to £12, based on the fact the OFT says £12 is legal (and then auto have to put we disagree)

.

 

ummm ... not sure that is what the OFT said. From their April 5 statement:

 

...in order to encourage a swift change in market practice we have decided to include in the statement a simple monetary threshold for

intervention by OFT on default charges. The threshold is £12...

 

...We will regard default charges set below the threshold as either not unfair or insufficiently detrimental to the economic interests of consumers in all the circumstances to warrant regulatory intervention at this time. This does not affect in any way the statutory rights of individual consumers, or groups of such consumers, to challenge the level of default charges, either above or below this

threshold.

 

1.11 The setting of the threshold is a provisional practical measure to move the whole market towards compliance. We are not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold.

 

It quite clearly states that £12 is a figure they've put on for practical reasons, and is not a figure that they claim if fair or lawful. It is an interim measure to bring the market into compliance.


... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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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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