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    • So an update on this, seems the CCMCC did issue the claim form but didn't serve it because the address was missing on the form. After reviewing my N1 I didn't understand and it seems that the copy / paste from Companies House made the address a c/o address and CCMCC don't like serving to those. So I wrote an email to them which stated the following:   This was presented to a Judge who granted the request and the forms were served.   I then had correspondence from Loco2 Ltd   I did not initially respond to this as I was away with my partner at the time and as I don't get to see her often I keep all admin / gaming community matters to emergencies only. This possibly turned out to my advantage as I received this further response the following day:     I responded agreeing to settle out of court.
    • ok good let it run then.   I've sent you a PM with a secure email send me the scans of the complete CCA return please see if can get them up...   dx  
    • read it carefully it doesn't say WILL anywhere.???   they must follow PAP letter rules now
    • No not too tough at all, I think I just used a bad way of writing this out. Indeed I'm well versed in CRA 2015 and thought my post would allude to that. But maybe I didn't write it very clearly so my apologies for that there. This was more a documentary style posting than a request for help so I'm sorry for any confusion on that point.   I was also more documenting this issue mainly for my own recollection at a later point but also for those who may be told the same in another Three store. I'm sorry if I didn't make any of this clear. The store is Hutchinson 3G Limited or Three as they are better known: http://three.co.uk/   I did a web chat with 3 while waiting for my train home who also confirmed the policy from the store manager was wrong and that it is 30 days to return a faulty handset for a replacement and not 28. On learning this I made the conversation a complaint that I was being given incorrect information on multiple occasions. I had attempted to get this issue resolved in a different store the previous week where they changed the SIM Card for me. CRA 2015 was not discussed at this point and was told if that didn't work then to call 333 from the handset. Again I knew this was wrong but took the replacement SIM card in good faith as it may very well have resolved the issue. Unfortunately it didn't.   I then contacted Three again and was palmed off to the manufacturer. The manufacturer accepted my case but suggested me going back to Three under CRA 2015. I today went to assert that right and was told both the manufacturer and Three Customer Service were wrong. I remained calm and asked for proof that I had been in the store today. Manager just gave me his name and I made a note of the time I was there and pointed to a CCTV camera in case a SAR would become necessary if Three tried to suggest otherwise.   As it happens I received a phone call after registering my complaint from the lady in the webchat with Three who had spoken with her manager and confirmed the store was wrong, that she could also see I was given incorrect information on a number of occasions and that under no circumstances should the store have given me a document with another customers details on. She went on to confirm that she had arranged a replacement handset was being couriered to my home address next week and that it would be a drop and swap type replacement. I accepted this, Just as I was about to explain the wasted journey costs the agent said she was waiving 1 month bill charges for the inconvenience caused.   So seems a resolution is very well on the way. I'll update this as resolved once I have the new handset and bill credit in my hands.
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
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      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
MARTIN3030

Is the bank taking your Benefits ?

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There have been several reported cases of Banks taking charges from accounts that have benefits paid into them by DWP and Social security.thus leaving them with little or no money.

Here is a template letter to take or send to the bank to address this.

It is important to let the bank have this BEFORE you expect to have funds paid in by DWP or the Inland revenue.

A new letter should be sent for each payment that you expect to be protected,customise as required by adding the benefit/type of payment.

 

 

 

 

RIGHT OF APPROPRIATION

 

Dear Sir/Madam,

ACCOUNT NUMBER: xxxxxxxxx

 

I am writing to inform you that I am due to have a Tax Credit payment of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;

Rent £xx

Utilities bills £xx

Housekeeping money £xx

I will withdraw the money on the day that it is deposited for the above use, and I would be grateful if you would ensure that any other payments out of my account do not interfere with this withdrawal.

 

Yours faithfully,

 

[signature]

 

[print name)

Edited by MARTIN3030

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.

 

 

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Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Likewise a good reference from you.

:)


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.

 

 

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Guest Battleaxe

Does this also apply to my Pension? paid by the Aussie Govt via DWP?

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I would expect this to apply to that too yes.

Its not specifically for benefits.....the nature of the letter is to let the bank know that you need the money for essentials......this would be regardless of where the money is from.


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.

 

 

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Martin

 

Would you read it that it can be any source of income not only benefits ??


Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Whoops, crossed in the post


Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendment to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info

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Guest HUSBANDKHAN

you are champion. had a problem this week with 2 * £30 being deducted because 2 debit card trans for £4.59 and £3.49 debited on diffrent dates and went overdrawn and over the buffer of £5.00.

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Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendment to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info

 

The only words they understand is those with a legal slant to them

There is no reason why it should not work and has indeed worked for many.

The fact that you have brought this to their attention and informed them as such has an effect.Though I suspect there will be an assesment made as to whether allowing you to have access to your money is preventing hardship

if by taking your money this leaves you vulnerable to your ability to function or causes hardship in your household I think there is a case to allow it.


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.

 

 

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I belive that when the banks take bennifits. that the dwp can take back off the back.

as when i had problems and asked the dwp to not make any payments too the bank

I was aske if they had grabed any and if i wanted them to swipe it back.

 

edited......please we cant use these words !!!

 

and what ones are they ?

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Is this true? I am sick of the bank taking money meant for our daughter and child tax credits - we don't see them at all.

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It appears so.

To be honest I was not aware of this until now but my enquires reveal that DWP can indeed have some influence there.


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.

 

 

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Guest Battleaxe

My pension got paid into the bank account we are having problems with, i sent the Letter of Appropriation to the bank,recorded delivery (letter in templates library)they rang me on receipt of the letter to discuss this. Got the pension intact, the bank did not like it, but it worked. I rang DWP and explained what was going on and arranged for my pension to go into my parachute account. DWP said they could help if I wanted the pension still to be paid into the account in dispute, but think having it paid into a different account is better for me.

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Good to hear you have got things sorted....:)


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.

 

 

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A superb post Martin.

DWP can influence a little if you speak to them.

Also, for benefits, set up a post office account immediately so this source of income is protected if your money is constantly being taken.

This account can be opened upon request in any benefits office/jobcentre.

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Guest HUSBANDKHAN

Post office account good idea. i wrote to barclays it is now 9 days and have had no reply to this letter.

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HusbandKhan,

why not make an appointment with the bank to go discuss?

I'm sure they would love that...:D

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Not really a good idea as its likely that there will be 2 of them in the room with you......they tend to do this as intimidation and know that you wont feel comfortable.

Best keeping things to the written letter,that way you avoid the confrontation but still get the result.

Dont forget a letter of appropriation needs to be sent for every payment you want protecting.


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.

 

 

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This happened to me earlier this year. I had gone overdrawn with my bank and they took my JSA to cover that and charges. The way they are acting is a dsigrace, this site has really opened my eyes to the abuses these banks are making.

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Hmmm, does this mean that the two charges the bank intend taking from my account in December and January can be av oided. Most awkward months when the charges are for money I lodged in the wrong account for £2 DDs to charities.

 

If I'd had £35 x 2 to spare. I'd have given it to the charities, wouldn't I?

 

I know £2 per month is mean but I give so to a number of charities and it really is all I can donate: a wee bit more than I think I can afford 'cause I reckon we always think we need more than we actually do.

 

Can I phone DSS or wahtever they're called these days and get them to intervene?

 

It will be coming off DLA and IS payments.


Vital spark v Lloyds Tsb

2nd November 2006: 1st letter, requesting back statements, hand delivered to lloyds TSB: got receipt.

I have received the information on my accounts going back 6 (six) years but not going back to the begining of my hsitory with the bank, as I requested.

Think I'd best send a letter suggesting they send the lot and informing them that I have already paid the £10 for such information.

Mairi's awaiting my details so that she can help me work out the interest due on the charges taken.

 

Personal: growing and changing while ever remaining the same. Get to know me and tell me what I'm like coz I can't figure me out.

 

Quote: If you can't beat them, confuse them.

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Suggest you send the letter with the regulations inserted teeling they can't touch your money & demanding they refund any they have already taken in such circumstances

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Years ago i overdrew on my hsbc accounts. It really got their nerves and i had a meeting with their area manager. What i did not know is that the bank manager and his assistants would turn up. anyway when leaving i told the assistant"hes got a weed on"(area manager) and they closed the door on me and would not let me out of the office until i expalined what a weed on meant As they though it was an insult.


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That is the criminal offence of kidnap. You could have reported them to the police & then sued the butt off them.

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Suggest you send the letter with the regulations inserted teeling they can't touch your money & demanding they refund any they have already taken in such circumstances

 

 

Hi am with the halifax just about to send letter right of appropriation and added social security act clause 187 to it, just wonderin if i can claim all previous bank charges against my account that have been taken from my workin family tax and child benefit what would you say in the letter to try and get them back?

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