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    • They've actually been behaving themselves for me, recently.  I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks.  However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
    • Hi BankFodder, I will keep an eye out 🙂. . .
    • If you don't understand what you're saying then don't say it.   Yes recorded post is a good idea
    • Hi All   really need some help and advice.   i have a PayPal credit facility with a balance of £400. I owe £270 due this month. I am going to phone them and pay this and clear it as it’s a credit contract and I know they can enforce it.   however alongside that I have a negative PayPal balance of £5000 this is not through the PayPal credit. It shouldn’t have happened and I don’t plan to pay that, at least not now.   if I phone PayPal and pay the credit facility with my debit card will that be ok? Or will they use those details to try and get the money back for the 5k negative balance?   thanks for any help. Whilst I appreciate PayPal credit and the negative balance are separate with them being on 1 page on 1 account I wasn’t sure. 
    • Next says future lockdowns of non-essential stores would cost it millions of pounds before Christmas. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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miffedmamma v lloydstsb


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i'm just loving this forum, had to keep reading all day as was convinced there must be a catch, but i now thoroughly understand it and cant flippin wait to get all my money back!! (approx £1500 just in last 15 months) anyway has anyone actually received their money back off L TSB? been reading for hours, haven't seen a post saying bank has given money back?it looks like Lloyds TSB are tough, but its great as i now know exactly how they will respond, so i'm not gonna be phased...oh i can't wait...still working out all the charges, every month this year i have spoken to my local branch asking if they can help me with charges as its their charges they make me go over my overdraft in the first place, and they've refused to help. i will sleep very very well tonight, thankyou for all your helpful info

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WELCOME , If you look in the litigation section it shows you who has recieved what and from who.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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its ok, have had more time to keep reading back, i see now that folk have had results, anyway, just did a very quick tot up of charges this year and they total (from jan 06) £424.00!! thats just this year, last year was horrendeous too!!

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Hiya

Answer is definately yes.

 

Read all the Frequently Asked Questions ( FAQ's )

Take a week to read through all the various threads , even if you are Halifax as opposed to Abbey Nat. etc ( sometimes threads cross over and all info is useful ) from a legal point of view.

Dont Blink:

Sometimes the letters from the bank are :

 

1. Obnoxious Rude and Dismissive

2. Seem like a final stance

 

The letters from the Solicitors are worse:

1. Legally obscure

2. Arcane

3. ( To be quite frank absolute C**p )

 

The point is; stick to your guns dont blink.

 

My case went through normal procedures DPA, LBA , I issued Court Docs, right at the last minute they acknowledged, two days before auto judgement they entered a defence, the Court Allocation Questionaire arrived, before I sent that off they blinked and paid in full ( no account closure ).

OFT Statement helped a great deal, look specifically at OFT denying that charges are "Core Terms" of your contract. If in doubt personal E Mail me and I will explain in detail, meanwhile issue court docs after due warning and go for it.icon7.gif

all ideas and information exchanged willingly, bounce the ideas around,it helps everyone at the end of the day, good luck to you all and God Bless...LoL Graham & Yvonne

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its ok, have had more time to keep reading back, i see now that folk have had results, anyway, just did a very quick tot up of charges this year and they total (from jan 06) £424.00!! thats just this year, last year was horrendeous too!!

 

Further to my last it was £2915 in my case and they still blinked!

all ideas and information exchanged willingly, bounce the ideas around,it helps everyone at the end of the day, good luck to you all and God Bless...LoL Graham & Yvonne

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wow, thanks for the info, after such a busy day, and reading all this info on this forum i was dizzy! still cant believe that i'm gonna get my money back. where do i find OFT doc that you described?

i'm still shocked about all this, you see a couple o weeks ago it hit the press that some guy got his money back from the bank, i thought it was a one off, but still i tracked down the story online and printed out to show my partner, but it didn't give enough detail to think anyone can do it!

 

and today... ha i'm over my overdraft again (thanks to the bank taking heaps of charges off)...but i'm not gonna lose anymore sleep over it as i'll get it all back.

 

quick question, we've only been with Lloyds TSB for about 2 years and i think most of statements on line so we can work it out ourselves, or should we just get DPA?

 

thanks for your help, believe me, i'll def be in touch! ta

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yes! i've done it, posted my first letter todat to tsb! only found this site on fri afternoon! thankyou to everyone already cos if there wasn't this forum i'd be none the wiser and none the richer! all the posts are very imformative and at least i now know what to expect...a letter telling me tough no doubt! well, i'm in fighting spirit.and the best thing is, i'm so not worried! i'm sick to death of being terrified by letters from the bank, worrying constantly about keeping things in order only for them to make me go over my overdraft with their outragous charges!i live in very small place where everyone knows everyone, i know all the staff at the bank, and cant wait to see their reactions over the next couple of weeks, i'm 99% sure that the branch manager will try and accost me if i nip in, "for a chat" well after reading other posts, i will not enter into any verbal discussions.aaaah, what a great day, i'll keep you posted.good luck everyone

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I endorse Loula's welcome message!

 

The wonderful thing about this site is the sense of relief and empowerment which it gives you!

 

For many years, I used to dread the bad news the Postman would bring each day.

 

Now, I positively look forward to the post, to see what pathetic stalling attempts the banks will try next. Talk about the boot being on the other foot!

 

We all owe an enormous debt of gratitude to Dave, Bankfodder, Stephen and all the Moderators for the amount of work they continue to put in to make this site a force to be reckoned with, in the face of the Banks' continuing apathy towards the Law and the rights of their own customers.

 

Once again, Welcome and Good Luck!

Phil

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had reply today from david just (14th april)letter as expected, so sorry, keep account in order blah blah, we could take your cards chq book etc off you etc etc, so glad for this site as it was so predicted, anyway already printed off my LBA and will be posted asap (half hour). my partner is so impressed he's gonna take action agains halifax, so i'll send him to that section!

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UPDATE 20TH APRIL

 

received letter today from 'david just' again, basically;

unfortunately he is unable to add anything other than info in first letter that he sent to us, blah blah, refer back to terms and conditions, etc etc, goes on to say that this letter is the banks final response and if i want to take it further i'm to complain to the F.O.S.

so, i'm gonna be busy later filling in my claim! will post when i've completed claim.

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  • 3 weeks later...

Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 12 years later...

This topic was closed on 03/08/19.

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 there.

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

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Please note that this topic has not had any new posts for the last 5286 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

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