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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Natwest, Sending First letter of Action today


maforduk
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I asked them for the information re: DPA of the account. They or I never mensioned any money so I never even paid them yet I received the information in about 2 weeks. Good result.

 

I'm sending out the FIRST LETTER TODAY which allows them 14 days in which to refund me the full cost of charges.

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Recieved a reply, this is it:

Dear Mrs ****

 

Thank you for your recent letter and I apologise for any dissatisfaction caused by the application of charges to your account.

 

We believe that our charges are fair, reasonable and transparent. We consider that 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 of our products.

 

Against that background, we must differ to the views expressed in your letter. Accordingly, the charges that have been applied to your account must stand.

 

I am disappointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that and proceeding are served on our Registered Office address, which appears on the foot of this letter.

 

However, thank you again for taking the trouble to write.

 

Yours sincerely,

 

 

 

 

 

Stuart ******

Customer Relations

[/Quote]

 

I am waiting until the 14 day's off the first letter I send ends (17th April) before I send the "LETTER BEFORE ACTION".

 

Will keep you informed.

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Please can I ask what you recieved as part of your DPA request as it seems most people aren't getting a full DPA but just statements. Did they send any notes or any details of manual intervention (or say there was no manual intervention)???

Ex CAG helper ^_^

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The point here is that you have asked under a DPA request for the evidence of manual intervention. If they later decide to produce such evidence as a defence in court their defence would be somewhat compromised. It is often a case of not what they say, it is more what they don't say.

 

 

 

 

 

 

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As what AlanfronDerby said:

They only give you notes of manual intervension if there is any.

If there is and they don't give it to you, but use it in court, there defense would be thrown out.

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After receiving no response and me sending them the letter before action, i got a swift response. Here is that response:

 

Dear Mrs Ford

 

Thank you for your further letter. There is nothing that I can add constructively to what I shared with you on 5 April and I note that you now propose to initiate legal action.

 

Can I remind you that the address for papers to be served upon is the Registered Office address, which appears below.

 

Yours sincerely

 

Stuart Higley

Senior Manager

[/Quote]

 

Registered Office address is:

National Westminster Bank Plc,

135 Bishopsgate,

London

EC2M 3UR

 

The problem now is that this account is my wife's and doesn't want to go to court!

Any ideas?

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The problem now is that this account is my wife's and doesn't want to go to court!Any ideas?

Hi,

 

Without wishing to sound harsh, the FAQs, and almost every other piece of advice on this forum, is that you MUST realise that your case could end in court. Whilst it is VERY unlikely that the bank would allow it to go that far, you MUST be prepared for that eventuality.

 

Effectively, if your wife absolutely 100% does not want to run this risk, and therefore you do not raise a claim, then you are left with few options. Any dialogue with the bank will result in them having the upper hand if you appear to back down now.

 

This really is a case whereby you and your wife must make the final decision. Whatever that decision is, we all wish you luck.

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 bank are using scare tactics and it's obviously working.

 

It is highly unlikely the case would go to court and you will know this if you read around the forums. They will give in once you start the court proceedings.

 

Other than that maybe you could support your wife by acting on her behalf? It's discussed here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4879&highlight=behalf

 

p.s please keep to one thread, that way it is easier for people to help you :)

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Guest Lueeze

The problem is that whilest i understand the worries your wife may have, you knew it would probabally get to this stage where you needed to file a claim to get the charges refunded...

 

Its going to be a personal decision, I would not back out but then I am well aware of all the in's and out's of claiming, and the fact that I have to be prepared to follow through with my threats of legal action.

 

Anyway I would persuade your wife to carry on...whats the worst that can happen?

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Thanks for your advise. I created the other thread as I was unable to change my Thread Heading!

 

I personally intend in going all the way with my Barclays claim.

However, for this one, Is there any way that I may Act for and on behalf of my wife? I have looked at the threads where by my wife can write to the banks but was wondering if it is too late for that?

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Guest Lueeze

If you claim in court then without her consent you cannot proceed, but with her consent im sure you can claim on her behalf!

 

Try to persuade her is the best option!

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  • 3 weeks later...

Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks :)

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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  • 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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Thread Locked

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