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    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Stevieboys claim.


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Just a thread to track the progress of my claim against Barclays, i've paid 300 quid since xmas, so i hoping there will be a few quid coming back my way from the last six years!

 

The personal banker i dealt with told me i should have posted it, i told her i was afraid of things going missing in the post ;)

 

Day 1, DPA request handed in.

 

Told some guy i walked into on the way out about the matter too, he'll be hunting for this site when he gets home :D

 

Steve

 

Plymouth, Devon.

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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Just a thread to track the progress of my claim against Barclays, i've paid 300 quid since xmas, so i hoping there will be a few quid coming back my way from the last six years!

 

The personal banker i dealt with told me i should have posted it, i told her i was afraid of things going missing in the post ;)

 

Day 1, DPA request handed in.

 

Told some guy i walked into on the way out about the matter too, he'll be hunting for this site when he gets home :D

 

Steve

 

Plymouth, Devon.

 

 

 

Hi

 

Welcome to the forum, the more people we have on board the more strength we have to fight these unlawful charges. Best of luck with your claim and look forward to hearing of your progress.

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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First responce from them ..

 

Dear Mr xxxx

 

COPY STATEMENTS

 

I refer to your letter of 4 April, which was passed to me for comment due to your mention of the DPA.

 

I can confirm that your request for copy statements is underway and those should be supplied to you shortly without charge. In the circumstances your payment is returned herewith.

 

As regards your comment about "manual intervention", could you please explain what you mean by this term and in conseqence which records you believe may be of interest to you. In general terms however i can advise that under the DPA you are entirled to a copy of the material held across the Bank that qualifies for disclosure as your "personal data" - this is known as a data subject access request. To initiate the process Barclays will require payment of a £10 fee per individual which should bbe provided by cheque (preferably), Payable to Barclays, directly to this department. Upon Payment of the fee(s) the relevant information will be supplied as promptly as possible.

 

Yours sincerely

 

Peter Townsend

 

So, they refund my £10 (to my account i assume) and then tell me i need to pay £10 for any DPA work, wtf? Playing for time i'm guessing.

 

As for "manual intervention", that would be when the charges are applied by a member of staff and not automatically by computer (having staff do the job would increase the cost to the bank and thus means it wasn't a profit making exercise), right?

 

But, statements for free? It's a start i guess :D

 

Steve

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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mini update, got home today and the wife told me she found the tenner in the envelope and she's already spent it on nappies, bugger! :p

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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  • 2 weeks later...

Steve, they sent me exactly the same reply, are you going to resend to ask for manual intervention but worded in a way they might understand?

 

maybe the letter we all use needs changing a bit?

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The very fact that they claim not to understand what you are asking can be taken as confirmation that there has not been any.

 

If they really had a problem interpreting the request then they should ask their legal department.

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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Got bored of waiting, rang the customer service lot and was told that they must have got lost in the post. (honest guv) Reordered them, so it's back to waiting i suppose :(

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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Remember not to deviate from your timetable - they have created the delays not you. You delivered your DPA request 4th April right? So 40 days and counting from that point...

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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The very fact that they claim not to understand what you are asking can be taken as confirmation that there has not been any.

 

If they really had a problem interpreting the request then they should ask their legal department.

 

Steve, based on this comment did you re-send the cheque off asking if there was any manual intervention, or did you take it as they didnt know what it was so presumably there wasnt any?

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I didn't resend the cheque. To me it seems obvious that the banks are fully aware what is meant by "manual intervention", they are dealing with a lot of people all asking them the same thing. They have a huge legal team, a huge DPA team, if this gets to court and they claim not to understand what the term means, i'd love to see who they get around the other 50-100 people who have told them.

 

They do know what MI means, the letter is a stalling tactic, nothing else. You could even construe their returning of the DPA payment as another stalling tactic. I asked for information i was entitled to, they tried to bluff out of it by asking a question they already know the answer to. If they try and use it at court the data protection controller might be interested too...

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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Statements arrived this morning, in two envelopes, heh think i'm going to be busy today :D

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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After a quick adding up a total of £1285, a lot less than i was expecting, it seems i was a good boy for a few years :o

 

Look out Barclays, i'm coming for ya! :D

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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Yup, but i did get a reminder of the time they charged me £130 in ONE WEEK, 2 x paid referal, which lead to 1 x unpaid cheque, start of new billing month, then another 2 x paid referal, feck did that hurt.

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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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

Steve, xxxxx, UK

 

Barclays

DPA letter delivered by hand 04/04/06

Statement request confirmed & DPA payment refunded! 06/04/06

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Please note that this topic has not had any new posts for the last 5299 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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