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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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frankp57

Want to reclaim Barclays Business a/c charges

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Hi Begarion,

 

If there is a bank loan or overdraft involved, The Lending Code may offer you some hope -

Otherwise have you looked at the possibility of help from the BCOB Regulations. Click on the link for more info.

 

 

:-)

 

Hello,

 

My first post on here so just finding my way round. I have tried to click the link above but I am being blocked from doing so. The message is saying that I do not have permission to access this page. Hopefully the access issue will be sorted soon. That being the case, are there template letters available for the various stages that may be required to negotiate, or is the link to the letter above the only letter required?

 

I am actually looking into the possibility of reclaiming some Barclays business account charges for a colleague of mine who does not have internet access. He has had charges on charges for several years and has had a Business Loan and an overdraft facility over the years (although no overdraft facility in place now). The charges have caused hardship.

 

Other than the link to the letter above (and/or any other available letter templates), is there a link to an interest calculator by any chance?

 

Hope this post makes sense.

 

Regards

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Hi Frank and welcome to CAG

 

I'll move you post into your own new thread.

 

Try these links about The Lending Code, and BCOBs respectively :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387431-Letter-before-Action-Removal-of-Charges-under-Hardship-criteria-BCOBs

 

I'll come back with a spreadsheet that calcs 8% interest.

 

:-)


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We could do with some help from you

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Thanks !:-)

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See if you can access this ^^^^^^

 

:-)

 

Hi Slick132,

 

Thanks for the link to the spreadsheet and yes I can open it.

 

Regards

 

Frank

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Hello,

 

A few questions regarding the hardship "Letter For Consideration" if I may. Firstly, is it best to preclude this edited letter template with a Subject Access Request (ie, request all transaction data under the Data Protection Act?). The reason being, as far as I am aware, not all hard copy bank statements are available and as the account is still active, how far back can the claim go?

 

Also, in the "Letter For Consideration," reference is made to providing an income and expenditure statement. I take it this refers to the business I&E. Is it also worth providing a schedule of private expenditure to support this letter? My colleague only has a Barclays business account, he has no private account.

 

Thanks in advance for any feedback.

 

Regards

 

Frank

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Hi Frank,

 

A claim for hardship (Financial Difficulty) will normally refer to the current Lending Code that came into force in March 2011. I assume you have bank statements going back at least 6 years as you need these for (business) income tax purposes. So I doubt you need to precede a reclaim letter with a SAR.

 

As YF has only one bank a/c (the business a/c), the I&E summary should show YF's total income and expenditure. This should be used to show YF and/or the business is in Financial Difficulty thereby requiring the bank to offer help under the Lending Code.

 

You should tell YF that refunds of charges, whether for business or private a/c's, are pretty rare these days and there's no certainty about getting anything back.

 

:-)


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Thanks slick132. Yes there will be statements available for the last six years. Is that as far back as the claim can go though?

 

Ideally it would have been handy if he had electronic downloads instead of hard copies, but as mentioned he does not have (or know how to get) internet access and is also a bit of a dinosaur when it comes to computers generally (hence my involvement and offer of help).

 

He is aware that there are no guarantees, but as I said to him, nothing ventured, nothing gained.

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Hi Frank,

 

As I suggested above, I would probably limit any claim under the Financial Difficulty section of The Lending Code to the date the current code was introduced.

 

I think a claim going back any further will be rejected out-of-hand.

 

:-)


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