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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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serena88

Bank charges out of child tax credits?

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Hello, apologies if I'm posting in the wrong place

This morning my bank took 88.00 out of my 102.00 child tax credits.

Can they do this?

I know at least 2 of these 8.00 charges are for my loan payment to them which was arranged over the phone to go out on a Saturday as that's when money goes in. They agreed this on the phone and then we noticed it was attempting to go out on Fridays. I rang them again and they said they "didn't do Saturdays" so had made it Friday instead. Which was useless as I had explained on the phone, Saturday is the only day i have guaranteed money. So we arranged for it to go out on Mondays, as by Friday the account is usually empty.

I now have 20.00 for food/electric over xmas, never mind the fact they will attempt to take their 25.00 loan payment on Monday...

Thanks for any help!

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have they taken it out of the benefit before it hit the bank or when the funds hit your bank account ?

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I only have mobile banking app to go on, but it is showing as the tax credits went in and then the 88.00 went out afterwards.

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I think the best thing would be if you open another bank account with another bank and have your benefit paid into it so you have total control over this situation and it wont leave you short again and then you pay into the existing account what you can afford , this solving the issue.

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Hi,

 

I'd give them a phone and ask them to refund the charges, was the remainder of the amount they debited due to go out on the day it did.


 
 

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BCOBS!!

 

dx


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