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    • Ah I see what you mean. That is unfortunate, but guess there's little I can do then. Thanks very much for your help!
    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
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Somthings not quite right


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On 6th January 2012 I accidentally sent a £1400 payment to my credit card account instead of paying someone on my list of payments from my current account, the credit card one was underneath the person I wanted to pay.

 

When I realised my mistake I called the bank (all accounts with the same bank)

They said they would send the payment back to my current account, however ever since then I have been hit with balance transfer interest, and the BT balance has been constantly growing ever since, as has the interest on the "transfer balance"

 

Something else which doesn't make sense is the BT interest is stated as 1.873% yet even with my card balance consistently dropping every month sometimes the interest has been higher than the previous month, I rejected a proposed interest rate rise and was offered the chance to close the account pay the balance off at the previous rate which I accepted, so my interest rate should never change now, I don't see how the interest can change so much on a solid rate, it doesn't appear to follow my balance. With the balance transfer interest the rate has never changed from 1.873 however there seems to be no sense to the amounts compared to the balance, sometimes its higher than previous month and sometimes lower

 

The "balance transfer" has risen every single month the amount was originally £1400 and now the transfer balance is £2017.22 with over £550 already paid in balance transfer interest and the transfer outstanding balance has risen to £2017.22 that's over £1000 more than the amount that they put back to my account.

 

I was never at any point told that this would happen, I was told that they would transfer the amount I had occidentally sent to my card back to my current account, both accounts are with Santy.

 

Can someone please help as I cant get my head around this, is does not make any sense.

:madgrin:

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Basics are I accidentally paid it in, they paid it back out again to my current account, and now I have an outstanding balance transfer balance for something they havent actually paid out for all they did is return my money. I simply asked them to recall the payment I had made in error.

 

I vaguely remember being told there would be a fee to move this money back and this is reinforced by the Feb 12 statement where it says balance transfer fee £42 then there was a credit for balance transfer fee and it looks like the £42 was then added onto balance transfer balance if that makes sense.

Edited by ICY
:madgrin:

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Human error in my opinion. I note this happened two years ago. Is this correct..

 

It did foolishly when I received statements I file them, I check online often but that only shows a total interest which looking at the statements is actually normal interest and balance transfer interest added together, it is not split down seperatly on online banking

:madgrin:

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So I am not the only one that thinks this is very wrong then?

 

Think it may be letter writing time again :/

:madgrin:

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Will do. I am just waiting for copies of 2 statements which I cant find before I can act.

 

I feel like I have been done over for a very simple mistake, which I notified them about immediately :(

Edited by ICY
:madgrin:

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It gets better, I have added all transaction and payments on my statements (at least up until march 13 as I have a couple missing then so haven't gone further just yet) and they have been compounding interest by the look of it, as they have been charging interest on total balance which includes the "balance transfer" interest

 

Once the other statements arrive that I have ordered then I will get a full picture, but I can say so far in 8 months up until 8th march I have been charged 231.57 in balance transfer interest alone, I have no idea how to work out how much regular interest I have paid on this amount on top.

 

the balance transfer interest amount rises month on month

:madgrin:

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ok, I have managed to find the 2 missing statements and the letter they sent me about the rise in APR which I rejected and closed account, amazing what you can find when your determined enough.

 

Looking through the spreadsheet I have removed the amount for the balance transfer and just used payments in and out, and tbh it makes no sense, I have found the monthly interest on my statements, and the monthly rate does not change at any point during the account from 1.873 the letter informing of interest rate rise states going from 24.9% to 29.9% as of 1/4/13 however the interest charged seem to fluctuate quite a bit and does not seem to correspond with the previous months balance.

 

I really cant get my head around this at all, the regular interest charged doesnt seem to correlate to any amount, it is as if the interest amounts have been made up.

 

I desperately need someone to look at this spreadsheet who really understand interest rates fully, I feel I am out of my depth here, I know somethings not right but I cant figure out what it is

:madgrin:

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Is anyone who gets interesst rates properly able to spare half an hour or so and look at the spreadsheet I have with all the figures on it, the interest amounts changed but dont seem to correlate to how the balance is going up and down, this despite no interest rate changes

:madgrin:

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  • 2 weeks later...

no wonder the team didn't see this

 

its in the successes forum.

 

moved to satans bank forum

 

post up the spreadsheet please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh ffs, I shouldn't be allowed out on my own.

 

I sent a complaint letter to bank,

 

they replied with an email stating that the complaint had been resolved

and a letter was on its way to me and to expect it within the next 5-7 days :|

 

I keep trying to upload the spreadsheet but for some reason I cant save it as an xls

:madgrin:

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I havnt received the letter yet, however I have just logged into my account online and my available to spend (which is irrelevant as the account is closed) was £524.33 last month, it is now £1,127.10 a difference of £602.77

Edited by ICY
got figures wrong way round
:madgrin:

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Lets see what happens when you get an explanation.

The figures don't add up to me as the original amount was 1400 however wait and see

 

To go back to your question on interest rates, it could be to do with the time you pay the bill. Remember that interest is charged daily , so if you pay one month on the day that you receive it and the next month on te due date which maybe 20 days later there will be more interest.

As for compound interest , yes they do charge that .

Any opinion I give is from personal experience .

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I have got the balance and available the wrong way round, they have refunded £602.77 by the looks of it, yet there have been no recent transactions or and pending transactions.

 

The £1400 was never borrowed so shouldn't be showing now, its the interest that is in question

:madgrin:

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So rather than refunding they've done a cash BT to your current account. I'd agree with fletch and say wait for the letter before spending more time trying to work it out.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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.

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Letter has arrived,

 

"Blah blah - backgroud from what I told them then -

 

 

Your current balance is £2375.67 which includes the £1400 which was transferred to your current account and £575.22 which you have received in balance transfer interest. (Wish I had received it, it went on my statement and I paid it odd terminology)

 

Due to the way in which payments are allocated, your payments have been applied to your outstanding purchases balance and not the balance transfer meaning that your balance transfer interest has not been reducing and your purchase interest has been (no mention of why some months the BT interest rises and some it falls when the rate is fixed and amount does nothing but rise, makes no sense)

 

When your payment of £1400 was transferred to you, this should have not been processed as a balance transfer as you rightly stated, it was a refund of your own money and in turn you should not have received balance transfer interest. However had the mistake not have occurred, you would have still had the £1400 balance as purchases as apposed to a balance transfer and would therefore still have received interest however your payments would have been reduced each month rather that only paying off one part of your balance. (Absolute rubbish I made it clear that I paid into this account by mistake when I had intended to pay somebody else, Santander would have never had this money so I would have never spent it with them, they know this from the letter I sent, this is an attempt to get out of paying back compounded interest)

 

I apologise that when you requested the refund of £1400, this was processed as a balance transfer rather than an adjustment on your account. In light of this, I have refunded interest charges totaling £575.22 to your credit card account. Therefore your remaining balance is now £1800.45 I have also set your account to 0% interest for the balance transfer until 1st August 2015 If there is still a remaining balance after this date, interest will be applied again. I hope this is sufficient time for you to pay the remaining balance.

 

I can confirm that the correct procedures were followed when you requested to opt out of the interest rate increase and the interest rate is correct on your account.

 

Please note you will still receive purchase interest until your purchase balance is cleared. Your balance of £1800.45 is correct had the balance transfer not occurred (really??? Compounded interest??? Will look into that, I am sure that's not right)

I apologise for the inconvenience this has caused and I have arranged to credit your account with a further £5 as a gesture of goodwill. This will credit your account in the next 5-10 working days.

 

Alternatively if you are not happy with my response you can refer your complaint to the Financial Ombudsman Service.

:madgrin:

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Could it be they calculate the interest from the payment due date the previous month?

 

Lets take my statement on 13/10/11 as a random, the start balance is £2637.12, the end balance is £2548.87 interest is £51.75, on the previous statement it states payment to be received by 9/10/11 the balance on this date is £2497.12 the monthly interest rate is 1.87%

 

When are they basing the interest amount from, if I can figure that out I can work out exactly how much the account should be at if the £1400 never happened, they may be right but I have a feeling they aren't.

:madgrin:

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If you do not make the full payment they charge you daily interest from the date of purchase or balance transfer until the statement date then at next statement it is from statement date until statement date etc.

 

As for the order that payments are allocated tou your account I thought the rules had changed and that they should be applied to the sum bearing the highest interest rate first,. Maybe someone could clarify that

Any opinion I give is from personal experience .

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If you do not make the full payment they charge you daily interest from the date of purchase or balance transfer until the statement date then at next statement it is from statement date until statement date etc.

 

As for the order that payments are allocated tou your account I thought the rules had changed and that they should be applied to the sum bearing the highest interest rate first,. Maybe someone could clarify that

 

This makes it virtually impossible to work out what should have been charged when they mess up like this.

 

As you say interest is charged on your total balance from the last time the interest was charged or from when the transaction took place until a certain date, my point is what is this date they take the balance that they base the interest figures on, because in the example above the statement date is the 13th and on that date the balance was £2637.12, the interest rate is 1.87%, this isn't £51.75 that I have been charged, there seems no logic to it.

:madgrin:

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Managed to save the spreadsheet as a PDF so can upload it, I have entered every transaction from my statements and ignored anything to do with the £1400 as they have already stated that shouldn't have happened.

 

Their letter today claimed they have put it all right and my balance is now £1800.45, this clearly shows otherwise, if the have completely rectified the mistake which they have admitted my account should be put back completely as it was without the balance transfer.

 

I have used the purchase interest amounts on each months statements to get to the interest figures, I have no idea if these are correct as I have no idea what balances they are taking these figures off.

:madgrin:

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On my statements, purchase interest 1.87% MONTHLY thats not the annual rate

 

On the spreadsheet I have simply copied their purchase interest amounts from the statements

:madgrin:

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