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    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option to call them. Why can't they just be straightforward with their Communications. Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? Can I use pro-rata payment letters to get out of this situation without too much impact? I am working on information that @BankFodderhas requested and will be sharing it later today.  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Natwest took my money


woodpecker01
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:mad: I had 2 accounts with NatWest a currant & savings, I used the currant as my main accout & had 3 monthly direct debits set up the 1st was for £1.00, The 2nd for £2.50 & the 3rd for £31.98, All three are paid together on the same date to the same company. On 23rd May 2006 I did`nt have enough funds in my account to cover them and guess what happened next, Yes NatWest charged me 3 times for bank charges total amout £114.00 and no letter informing me of the charges, Then again on 30th May 2006 I was charged another £114.00 again no letter informing me of the charges, Then again on 5th June 2006 another £114.00 and again no letter informing me of the charges, Thats 9 bank charges over 13 days total amount £342.00.

 

I then decided to change over and use the savings account as the main account and not use the currant account as NatWest would proberly close the currant account if I dont pay up, Guess what happened next, I had £335.00 in my savings account on 7th September 2006, I took £30.00 out which left me with £305.00, On 8th September 2006 I needed to take some more money out but the cash point would`nt let me take any money out, It would`nt even let me look at my balance I tried 3 different machines and just got a message telling me to contact my bank.

 

I went home to check my balance on the internet bank and I was shocked with what I saw the savings account was`nt even there and the £305.00 was transfered to the currant account, I got straight on the phone to Natwest and all they had to say was that When a account has been overdrawn for so long They can transfer funds into it and then close accounts.

 

Who gives Natwest the right to control your money this is stealing, They should not be allowed to transfer your money to another account without your permission, They also should`nt be allowed to close a account that is in credit without your permission, I don`t know if there is a law on this but there should be one, If anyone knows if there is a banking law on this please let me know as I would like to take NatWest to court for doing this if they have broke the law.

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I'm sorry but NatWest can do that because the other account was overdrawn. I would think that the account was probably transferred to Credit Management Services. When you have two accounts you are liable for any debt on the either one which means NatWest can and have done this. But you can go after them for the charges which I presume you'll be doing.

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THATS WHAT I WANTED TO HEAR, STICK TO IT , I'VE JUST 1 DAY TO GO, IN FACT LOOKING AT THE CLOCK 00.00 1st OCT, the 28 days is up,!!!! NOW !!!!. So I can get judgement by default providing I do not receive a letter on monday.( their time runs out on a sunday "today" So they get an extra day to reply.) Thats a bit of a bummer !.

Good Luck

Chris

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:mad: Can anyone tell me what address I should use to send the data protection act letter, I sent a letter of complaint to my local natwest bank 3 weeks ago and got a reply last wednesday before I found this site.

 

The letter was from Leicester customer service centre and I was given the name of a person to contact by telephone to discuss the matter further, But the envelope the letter came in had a borehamwood address on the back. Do I send it to Leicester addressed to the name of the person I was given or to Borehamwood.

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Guest NATTIE

Goggarburn in Edinburgh address in contacts thread, they deal with all DPA. I'm sure you would not want to sink down to the banks level.

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  • 2 weeks later...
  • 2 weeks later...

I received my statements today and it seems NatWest are trying to be a bit crafty, My step account was opened December 2001 and closed September 2006.

 

:-o The statements I have received are only from December 2001 - September 2002 during this time I had no direct debits or bank charges, I certainly am not going to pay another £10.00 for the rest of the statements.

 

Can someone help me, Do I send them another data protection act without the payment of £10.00 or a letter demanding the rest of my statements,

 

I believe that I should write a letter but would appreciate any ideas of how to word the letter, I have already sent 2 recorded letters to them as they asked for my bank sort code before they could send my statements.

 

I will now have to send a 3rd recorded letter with a 3rd data protection act label on the envelope, Maybe I should also try a claim the postage for the recorded letters back as well. :-(

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:rolleyes: Does anyone know if my local bank would be able to have access to the rest of my statements even though my account is closed as I am thinking of picking them up as it would be quicker than sending a letter.

 

I would appreciate any advise from Natwest staffmember or anyone else.

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Woodpecker the statements come in two batches, NatWest PLC computer system ended October 2nd 2002 and replaced by present day RBSGroup PLC computer system which is October 5th 2002 onwards. The rest of the statements will be with you shortly. The branches can access only up to 1 year of account history.

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  • 2 weeks later...
  • 1 month later...

Oh I see now, It looks like they transfered all my funds from a savings account to pay the overedraft of my step account which was due to bankcharges, This left it at £8.24 Overdrawn then they charged a BDWO of £8.24 which has left the account £16.48 overdrawn.

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