Jump to content


  • Tweets

  • Posts

    • Yes, it has been cleaned now - it had to be, he came out of hospital at the end of December, and Friend has secured the services of a local cleaning company to come in once a week.  
    • Following the issue of a Liability Order the Council must obtain a warrant of control to try to collect the debt. If they fail their only option is to return the matter to court and you will be asked to attend.   At that hearing the court must be satisfied that:   • A liability order was imposed in relation to the debt. • You have failed to pay; and • The council tried to collect the sum using a warrant of control, and failed.   They must then go on to conduct a "means enquiry" into your financial circumstances. The principle aim of that is firstly to establish whether you had demonstrated either a wilful refusal to pay (i.e. you had sufficient funds but simply refused to pay) or "culpable neglect" (i.e. you had the funds but chose to spend them on something else). Only if they find one of those two can commitment to prison (either immediate or postponed) be considered. Also, only if they find one of those two can they order payments to meet the debt. The usual combination is an order to make payments coupled with a postponed commitment. But, the payment rate must be realistic in terms of your financial circumstances and it should normally mean that the debt is paid within three years. If a realistic payment rate will not see the debt paid in that period then the court should consider remitting (i.e. writing off) some or all of the debt. Similarly, if they find neither wilful refusal to pay nor culpable neglect (and by default find that you simply did not have the ability to pay) they should also consider remitting some or all of the debt.   You should note that at these commitment proceedings, as the matters you face could result in custody, you are entitled to have the services of the duty solicitor. In your circumstances I would say the chances of you being committed to prison are slightly less than zero. From your very brief description of your finances you simply have no spare money (though a means enquiry will delve more deeply into your affairs, especially the debts for which the DWP are making deductions from your benefits). There is no point in delaying any of this. The sooner it gets sorted the better as your circumstances seem unlikely to change any time soon. One thing you must bear in mind is that these proceedings will only deal with the debt covered by the Liability Order. If you have any Council Tax arrears that have accrued since then they will have to be dealt with separately. I'm also assuming you live in England. Since April 2019 commitment to prison has not been an option in Wales.    
    • good issued the default after you turned 50 when any payment is not longer required on the loans and they should be written off.   it's fast becoming clear that they solely refused your SLC forms as a mode of deferring to create this whole falsehood.   the case your refer to about the new forms is detailed in this form in many SLC erudio threads.   if you could go get a USB converter lead to make your old HDD drives readable from amazon or somewhere , cheap as chips and <£5.
    • Has the property been cleaned now? Is it the in the same state as before?
    • Please follow the link and read what we have to say about people who pay by bank transfer
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Please note that this topic has not had any new posts for the last 725 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.

Thank you

Recommended Posts

It must mean that they are a very decent, honest, ethical upfront bank.

Why, do you know something else?

Link to post
Share on other sites

my parents seem pleased with them. infact everyone who banks with them who i know who ive mentioned this site to is happy with them!!! the less posts about a bank the better i think on this site... the admins here should tote up the number of cases for each bank each year and award something to the worst and best.

Link to post
Share on other sites

my ex, myself and my daughter have both had RBS accounts and been stung with excess charges. We have since moved elsewhere for this reason. It does seem that there aren't many posts about them on here though.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

Link to post
Share on other sites

Definately NOT!

 

My wife and I have been customers of the RBOS for nearly 25 years. Just before Christmas 2005 I requested a small additional overdraft for a month to cover an anticipated shortfall in my monthly salary. It was refused and they then hit us with £ 271 worth of charges in seven working days.

 

Since July 2003 to the current date RBOS have hit us with charges for unpaid direct debits etc. totalling £ 3763. A letter sent to the Head Office just under two weeks ago hasn't even been acknowledged yet!

Link to post
Share on other sites

looking really good, its whats needed because this forum just has the same questions and answers over and over. i think once enough cases have gone under the bridge the BAG should recommend the most refund friendly bank (im sure there is one out there)

Link to post
Share on other sites

I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

Link to post
Share on other sites

I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

Link to post
Share on other sites
I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

 

You are hijacking someoone else's thread. :evil:

Please start a new thread and also read around the forum if you haven't yet done so

Link to post
Share on other sites
I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

 

You are hijacking someoone else's thread. :evil:

Please start a new thread and also read around the forum if you haven't yet done so

Link to post
Share on other sites
Apologies i'm new to this i will post else where.

 

Thanks

Link to post
Share on other sites
Apologies i'm new to this i will post else where.

 

Thanks

Link to post
Share on other sites
  • 2 weeks later...

I opened an account with RBOS when I was a very young (for a free money box I think!) and I haven't used this account at all since I was about 15, (switching to HBOS with whom I've had no problems) but have never gotten around to closing it as I'm away from home at university and just use my other student account. So it was sitting there with 80pence in it, getting about a penny interest a year, and then last month I received a statement saying that I have gone over my overdraft limit and am now being charged a 'Maintenance Charge' of £28.00 a month. This is without me using my account for seven years!

 

Then I discover that the RBS have upgraded my account without my permission to a 'Royalties' one with a subscription of £6.00, something I never signed up for. Since my account did not have sufficient funds to pay for this subscription they are levying me with these monthly charges. I've been to my bank to complain but they're refusing to give me a refund and are insisting that I pay the penalties.

 

I've just written a letter to the head office, and I really hope it gets resolved. I'd appreciate any feedback on whether you guys think this is a legitimate claim on my part. Thanks!

Link to post
Share on other sites

calliope

 

You have hijacked someone else's thread. Furthermore it is a thread which already contains a request and a warning to another user not to hijack the thread.

 

We work very hard trying to follow people's stories and to support and advise when we can. Hijackers make things very difficult and take alot of time.

I can't understand why it isn't obvious that you should start your own thread especially when the issue has already come up above.

 

DON'T HIJACK THREADS. BEGIN A NEW ONE FOR YOUR STORY :evil:

 

I think that you should contribute to our book fund to make up for it.

Link to post
Share on other sites
Yikes! Sorry! I just thought this was general discussion on RBOS. My mistake.

Yes, but your post is not general. It is a specific claim.

Link to post
Share on other sites
  • 4 months later...

I lost my job 2 months ago and started getting charges,i went into the bank to ask them to return them but no luck . Asked for a phone number for customer relations which they reluctantly gave me. The first few times they returned them(this was before i found this and other sites)but after 2 or 3 they refused,I then asked to speak to the manager of the call centre,(0800 0155035 maria chinino well thats how it sounds)since then i've had over £500 in charges returned to my account with no problems,so the moral is to keep stating that their charges are unlawful and would like them returned or your willing to take legal action if they refuse(be nice though)DON'T let them draw you into a discussion just be repetative and they give in.

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

Link to post
Share on other sites

nae and number is 0800 0155035 Maria Chinino(unsure of the spelling but thats what sounds like and who i ask for)

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

Link to post
Share on other sites
  • 12 years later...

This topic was closed on 03/05/19.

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 their.

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

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 725 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.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...