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    • I don't have any doubts but that if they have breach the contract then they must leave you in the position that you would have been if the breach hadn't occurred. This means that the very least that you shouldn't be out of pocket at all – and in fact if you incurred extra losses having to remedy their breach – by making other arrangements then I think you should be entitled to this as well.
    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
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honeybee13

Credit Unions - an alternative to payday loans / accurate at 22.09.2015

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'Three UK credit unions have won a five star rating for personal loan products from the Fairbanking Foundation. This is the first time the Fairbanking Mark has been awarded to credit unions that serve employees of a specific sector. The Fairbanking Foundation, a not-for-profit research-based charity founded in 2008, operates the certification scheme to encourage banking organisations to improve the financial wellbeing delivered by their products. The mark is granted in three, four or five star versions in five possible categories, based on the level of the financial wellbeing a product delivers....The Hoot Credit Union, the 1st Class Credit Union and the NHS Credit Union have all achieved the highest accolade for their personal loans because they have a “tangible positive impact on customers’ financial wellbeing”.......'

http://www.thenews.coop/105379/news/banking-and-insurance/employee-focused-credit-unions-receive-fairbanking-mark/

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IMO

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'The Department for Work and Pensions (DWP), one of central government’s largest departments, has launched a credit union for staff – the first credit union scheme for civil servants. Around 85,000 DWP employees will now be able to start automatically saving part of their salary into a credit union savings scheme. DWP has set up a payroll scheme with three of the UK’s leading credit unions – Commsave, Hull & East Yorkshire and Voyager Alliance – which will offer a range of ethical financial services to all DWP employees, including budget support and responsible lending. The move was announced in a speech to the credit union sector in parliament by welfare reform minister, Lord David Freud, who pledged his support for credit unions and encouraged people to join their local credit union to help the industry grow...'

http://www.thenews.coop/107015/news/co-operatives/credit-union-launches-civil-servants/


IMO

:-):rant:

 

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World Credit Union Conference underway in Belfast...

 

http://www.thenews.coop/107319/news/business/world-credit-union-conference-opens/


 
 

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some recent news :)

 

'The Scottish government has given credit unions nearly £200,000 to set up saving schemes in schools to teach children to manage money.

Ten credit unions will share the cash from Junior Savers Schemes to develop existing and new activities with schools in their areas...'

 

http://www.thenews.coop/109782/news/banking-and-insurance/scottish-children-learn-money-saving-habits-200000-credit-union-funding/

 

 

'The Credit Union Awareness Week has been launched by Manchester Credit Union to show workers there is another ethical way to borrow and save....'

https://southmanchesternews.co.uk/south-manchester/manchester-credit-union-launches-debt-campaign/


IMO

:-):rant:

 

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That sounds like a good initiative, Ford. Thank you for the link. :)


Illegitimi non carborundum

 

 

 

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:thumb:

IMO

:-):rant:

 

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