Jump to content


  • Tweets

  • Posts

    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

pjdudley69 v YB - Round 2!!! ***WON _AGAIN!!!***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6300 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Well, here I go again! It's only £75 this time, but it was all taken within a month and I want to nip this in the bud. Also, I don't plan on going overdrawn again, it just occurred immediately prior to them coughing up from my initial claim - see, it's all their fault. If they hadn't been dragging their arse, and paid up sooner, we wouldn't have to go through all this malarkey again ;) lol

 

Obviously, alot of you are aware that I've done all this before, and know most of the ins and outs - but I do have a question.

 

Because this is the second time I'm going up against them, do I still use the standard prelim letter, or is the rumour I've heard about there being an adapted letter available true? I believe I heard it was Seminole who drafted this letter - if so, where can I find it cos I've done a search and come up with nothing/nowt/nada!

 

Caro, if you see Sem, will you have a whisper in his shell-like and ask where it is [if it exists] please hun? ;)

 

PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Good luck with round 2......and with 1 thread ha ha;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

cheers martin - ur a sweety ;)

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Because this is the second time I'm going up against them, do I still use the standard prelim letter, or is the rumour I've heard about there being an adapted letter available true? I believe I heard it was Seminole who drafted this letter - if so, where can I find it cos I've done a search and come up with nothing/nowt/nada!

 

A gentle little bump here cos i'm holding back in case this letter exists :D

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

It turns out that the letter I'd been made aware of was sent by Spiceskull. Anyway, here's a draft of a letter which I intend to send to YB. Basically, it's a variation of the standard prelim letter, with a bit of spiceys letter mixed in [i would ask him if it's ok, but seeing as he's gone I can't]

 

Dear Sirs

 

ACCOUNT NUMBER xxxxxxxx

 

I am writing to ask that you refund to me charges, to the sum of £75, which you have levied from my account over the past 3 months.

 

As you are no doubt aware, I have, in the past, asked you to demonstrate to me that these punitive charges are fair and just, that they are lawful, and that they are being lawfully applied. I have also asked you to demonstrate that they represent a true cost to the bank of the bank’s actions, or that they represent a fair pre-estimate of cost for those actions. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

 

Furthermore, you will be aware from my account history that, after raising a claim in the courts, the bank refunded penalty charges to the sum of £665.25.

 

I hope that you will enter into a sincere dialogue with me regarding this matter, and I write this letter on the assumption that you will prefer to do this rather than merely responding with standard letters and leaflets.

 

If you do not respond, or do not respond positively within 14 days, I shall send you a letter before action giving a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours, with dedicated staff and departments.

 

After that, there will be no further communication from me, and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully

 

 

I'd appreciate any comments/advice before I send this off please - I'm aiming to send it at the end of the week.

 

Ta, PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Hi Pj

As promised here is my wording as I think

Use or discard at your discretion

 

I am writing to ask that you refund to me charges , to the sum of £75 levied , from my account during the past 3 months.

 

As you are no doubt aware, I have, in the past, asked you to demonstrate to me that these punitive charges are fair , just, lawful and that they are being lawfully applied in accordance with Common Law, Statute and recent consumer regulations. I have also asked you to demonstrate that they represent a true cost to the bank of the bank’s actions, or that they represent a fair pre-estimate of cost for those actions. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

 

Furthermore, you will be aware from my account history that, after recently raising a claim in the courts, the bank refunded penalty charges to the sum of £665.25.

 

I hope that you will enter into a sincere dialogue with me regarding this matter, and I write this letter on the assumption that you would prefer to do this rather than merely responding with standard letters and leaflets as before.

 

If I do not receive a satisfactory response within 14 days, I shall once again be sending you a letter before action giving a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours, with dedicated staff and departments.

 

After that, there will be no further communication from me, and I shall issue a further claim at the expiry of the second deadline.

Link to post
Share on other sites

  • 3 weeks later...

Right, finally got round to sending this letter, well, it's going in tomorrows post! This is what is going [thanks jules hunny, you're a little gem xx]

 

I am writing to ask that you refund to me charges, to the sum of £75, levied from my account over the past 3 months.

 

As you are no doubt aware, I have, in the past, asked you to demonstrate to me that these punitive charges are fair, just, lawful, and that they are being lawfully applied in accordance with Common Law, Statute and recent consumer regulations. I have also asked you to demonstrate that they represent a true cost to the bank of the bank’s actions, or that they represent a fair pre-estimate of cost for those actions. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

 

Furthermore, you will be aware from my account history that, after recently raising a claim in the courts, the bank refunded penalty charges to the sum of £665.25.

 

I hope that you will enter into a sincere dialogue with me regarding this matter, and I write this letter on the assumption that you will prefer to do this rather than merely responding with standard letters and leaflets as before.

 

If I do not receive a satisfactory response within 14 days, I shall once again be sending you a letter before action, giving a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours, with dedicated staff and departments.

 

 

After that, there will be no further communication from me, and I shall issue a further claim at the expiry of the second deadline.

 

If anyone wants to borrow any/all of it, please feel free. PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Hiya PJ, sorry to hijack your thread.

You know when you got to the AQ stage on round 1. Because your claim was less than £1500 did you pay the Court fee of £100?

 

Lee :)

Yorkshire Bank:

LPA sent 21/08/06

LBA sent 05/09/06

Received and rejected offer to settle (half £amount) 18/09/06

MCOL started 21/09/06

Bank acknowledged claim 27/09/06

Defence received 21/10/06

Sent AQ Form 25/10/06

Court Date 16/02/2007

Link to post
Share on other sites

no i didn't Lee - but saying that, i'm on tax credits so i didn't have to pay for any of my claim.

 

PJ

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Received a reply from my lovely [not] Branch Manager today:

 

"It appears from our dealings with you that the relationship between Banker and customer has irretrievably broken down. It is therefore not possible for us to sustain with you the sort of relationship which we would regard as necessary for us to act as your Bankers.

In accordance with the Banking Code we hereby give you notice that we do not wish to continue to act as you Bankers and that in consequence we wish your account to be closed not later than 30 days from the date of this letter.

Please return to the Branch any cheque books and Bank cards in your possession and make arrangements to clear any outstanding balance."

 

There was no £75 cheque enclosed, wunches!

 

Anyway, got to admit this has worried me. I've got a Natwest Step account as a parachute, from my first battle, but at the moment it's only being used for saving, just to keep it open. How do I go about transferring everything [DDs, wages etc] to this account? Secondly, I have a £300 overdraft limit with YB, which I do rely on quite a bit [only into it by bout £100 at the mo]. There is no way I am in any position to pay all this off - so what would they do?

 

I'd realise appreciate any help and advice on this.

 

PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Oh PJ you must be devastated - NOT!!

 

See if Nat West can advise you on transferring DD's, wages etc, or failing that I guess you will need to contact all the people that you pay, or who pay you and advise them of the change in account details to set up new DD's. YB should supply you with a list of them all.

 

Regarding the OD, you can't pay what you haven't got, so you need to agree a repayment plan with them. I suggest that you remind them that the account is in dispute so you will not expect to see any negative information on your CRA reports as a result of this. Especially important given Trunnys warning about this. If there is any chance you could clear all but the 75.00 they owe you it will save you a debt, but otherwise you will need to negotiate a repayment plan with them. They can't refuse.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

Link to post
Share on other sites

  • 4 weeks later...

Right, finally got all my DD's/SO's etc transferred to my parachute a/c. Cleared the remainder of my YB balance across too - sod em! lol

 

Still haven't heard anything re the £75 charges, so I assume they think I'll forget about them because my account's being closed - I don't think so!! Sending this letter 1st thing in the morning:

 

Dear Ms xxxxxxxxx

 

ACCOUNT NUMBERS: XXXXXXXX & XXXXXXXX

 

With regard to your letter of 3 November I enclose my cut up Switch card and any unused cheques, to enable you to close both of the above mentioned accounts with immediate affect (as per my message via internet banking).

 

I will be happy to enter into written correspondence to make arrangements to pay the outstanding overdraft of £xxx, at affordable monthly amounts to myself. However, please bear in mind that there is currently a dispute on this amount, due to £75 of charges which you have failed to refund following my letter of 25 October. Once this issue is resolved, I will be pleased to begin paying the remaining balance of £xxx.

 

Yours sincerely

 

 

Lets see what they try and do now - what's betting my letter will mysteriously go astray and they'll try and make me pay back my O/D all at once lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

You go get em PJ,

 

You drag out paying them back the o/d as long as they made you wait for your first lot of charges to be returned.Play them at their own game and take the maximum amount of time to respond to letters as they do.If they lose your letter then the cat must have pawed their letter to shreads ooops naughty pussy!!

 

Jules

xxxx

Link to post
Share on other sites

  • 3 weeks later...

re the letter I sent on 29th Nov, I received the below today from Account Management Services:

 

Dear PJ

 

We refer to previous correspondence in respect of the overdrawn balance on the above account and are disappointed that we have not received a response from you [what previous correspondence???]

 

We have been left with no alternative but to close your account [doh!!] and transfer the above balance, together with commision of £0/00 and debit interest £0.77 accrued to date, to our Collections Centre. Further costs and charges may be added until the debt is repaid.

 

Collections Centre will be taking furter action as appropriate and specific repayment proposals should be made to them by telephoning 0870 xxx xxxx. If full settlement of the total outstanding balance [including commission and interest accrued] is made within the next 14 days then no further action will be taken against you and no further costs and charges will be added to the balance owing.

 

Yours sincerely

 

Supervisor - Closed Accounts

 

Any thoughts, as they haven't mentioned the amount in dispute, and there is no way i can pay it within the next 14 days.

 

Any help appreciated - thanks in advance :)

 

PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

I take it this letter is from a different person or department than the ones you wrote to before. If so then I would just send another letter stating that the balance on the account is in dispute and once that is resolved you will be able to discuss how to proceed.

 

Have you started your court claim yet? If so tell them the dispute is the subject of a court claim. Don't they ever listen?:mad:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

Link to post
Share on other sites

yep, different department, and no court claim as yet, only sent prelim so far - which is a few week beyond its expiry, but i wanted to wait til account was closed before i continued with LBA [thought it mite make things abit more straightforward for myself, so that i knew where i was lol]. So I think it's about time I sent my LBA off to my [ex] branch now

 

PJ xx

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

good luck with this pj - watching with interest! (And what about the 0870 number they gave you to ring - FLIPPING CHEEK!)

Capital One - SETTLED IN FULL £670.00 - 27.07.06

:D

Halifax Bank - SETTLED IN FULL £307.00 - 04.08.06

:wink:

Medinland

Data Protection Act letter sent 20.06.06

Moneyclaim started 24.07.06 (£735)

Defence submitted 02.08.06

My response submitted 07.08.06

Their response submitted 10.08.06

Hearing date: 19.12.06 watch this space!

I WON!!!

:rolleyes:

Link to post
Share on other sites

PJ,

 

You have sent the prelim letter so you are already disputing the account.Write to them mentioning this and say you are in the process of taking it to court if a satisfactory result is not reached promptly.Let them talk to eachother between departments for a change as the left hand never knows what the right is doing .

 

Jules

Link to post
Share on other sites

  • 4 weeks later...

Right - think this should be my final update :D

 

Received a phone call a few days before Christmas for YBs Collection Dept in Leeds, advising that a balance of £300.26 had been passed to the from my [ex] branch for collection. Lady on the phone seemed quite nice. I explained that upon closing my account the exact balance was £299.99 [£300 overdraft, so I left 1p in it for their 'helpfulness ;) lol] - I also told her that the account was in dispute due and that I had written requesting the return of unfair charges levied to the account. As I said, the lady I spoke to was extremely reasonable [?? surprising for this bunch really!] and that she would make a note on the account and I wouldn't receive any further calls until the dispute was resolved.

 

I still haven't heard anything from YB re the LBA I sent them on 17th December, however today I received another phone call from YB Collections. Another very reasonable/nice/helpful lady [i really am shocking myself actually saying that!!]. Yorkshire Bank have credited £75 to the account [:D so I finally won] so the remainder now needs paying off. I offered to pay in installments, and she advised that it should be paid off over 6 months [making payments of approx £38 a month, which I explained I'd struggle with at the moment]. However, she did say if they reduced the amount owing would I be able to pay it within 14 days - course, I told her it depended how much [i want to make this work in my favour, not theirs, after all the messing about!]. If I pay within 14 days I can make full & final at £170 - a reduction of £56!

 

I think this is very reasonable, considering that none of it is made up of charges now I've claimed them all back, so by juggling my money properly I should be able to get YB out of my life once on for all next Saturday :D

 

Just as a side note, even tho' I've only been using my new account for a couple of months, I've found that I can actually live and have 'fun' money without going overdrawn - its great, can't remember the last time I saw a credit balance on my account every week!!

 

PJ xx

 

PS - Can a MOD please amend my thread title to show it's settled, and btw survey completed :D

 

BTW, Caro - You're PM box is full :D

  • Haha 1

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. 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. Also visit legal seagulls for more friendly help and advice.

Link to post
Share on other sites

Well done PJ. Maybe you have a credit balance because you've given up paying bank charges. Are you the first to have taken on YB and won - TWICE!!!:D

 

At the risk of showing my age, a song just popped into my head by Hot Chocolate.

 

Can you just imagine YB singing this:

 

So you win again, you win again

Here I stand again, the loser

And just for fun you took my love and run,

But love had just begun

I can't refuse her

But now I know that I'm the fool

Who won your love to lose it all

When you come back, you win again

And I'm not proud to say

I let love slip away

Now I'm the one who's crying

I'm a fool there's no denying

When will my heartache end?

Will my whole life depend on fading memories

You took the game this time with ease

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

Link to post
Share on other sites

I was forgetting you had won 2 claims as well Jules. (Don't tell me you haven't actually got any money from them yet!:eek:) Don't forget PJ was here before either of us and was one of the first ever to get paid by YB.

 

She and Trunny held my hand when I was a newby and I don't think I will ever forget her trials and tribulations completing an N1 for the first time. Deserves every penny in my opinion. PJ is a great example of a CAG success story. Well done hun!:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...