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    • Hi BankFodder, thanks for the reply. The firm was T B Plastering & Decorating in Callington, Cornwall.  They have a facebook page which I can't link. We have already sought the advice of a second plasterer. He has seen the work, conrfirmed its way out of any NHBC tolerance and well below the standard of any professional plasterer. We are currently awaiting his quote to remedy the awful quality work, but he has said it will definately involve ripping out and re-boarding two entire window reveals, moving two door frames outwards, possibly new fire-rated cement boards in the fireplace if I cant chip off the non-compliant rubbish which was put on there, and knocking off several blown corners and bodged internal corners. He also confirmed that the whole lot was plastered in one thick coat, rather than two thin skims as normal. This means that as it continues to dry, more cracks will appear as the outer face dries faster than the inner face. Indeed, cracks are still appearing one week on. When I confronted the original plasterer, I gave him several opportunities to get the work sorted, but he just stood there looking shocked saying "What do you want me to do?"  When I replied "I'm not a plasterer, what do you think you can you do?", he just repeated over and over "It's within tolerance, what do you want me to do?" It was clearly going nowhere, so at that point I invited him and his labourer to leave.  
    • negotiate a token payment its already defaulted so will vanish from your file on the DN's 6th b'day. then revise. dx  
    • I owe Nationwide 6K for a credit card that defaulted last year. The debt has just been passed to ARC (Europe) Ltd to collect on nationwide’s behalf. I opened the credit card in 2005 I suspect that Nationwide will not have the credit agreement. I am currently unemployed and likely to stay that way for a while. I have no assets/property/savings. Should I: 1. CCA Nationwide now 2. Stop making payments and wait for letter of claim then CCA nationwide 3. Make token payments for a while in the hope that they sell the debt on and then do 2 4. Something else Thanks in advance for any help. OC: Nationwide DC: ARC (Europe) Ltd Account opened: 2005 Amount owing: 6k Default date: Sept 2023 Date of last payment: Jan 2024
    • That's sounds good to me No news today, I think the returns case times out tomorrow or at midnight tonight. It says I have until today to come to a resolution with the buyer. After that the matter can be escalated. So could be that it's midnight tonight. But no news at the moment
    • Thanks for the advice guys , however I am still at a loss regarding my situation. After a messy divorce some while back , my Sols advised me in writing that although their costs were £XXXX.00 , Legal aid had informed them that my liability was just £XXX.00 and would I like to make a representation to the Court regarding said costs. As I deemed  the figure of  £XXX.00 not excessive I decided not to contend the amount that I owed in Legal aid , which I would have done ( and would have had sound grounds to ask the Court to retrieve the balance of the excessive costs of the divorce from the OP ). I remortgaged my home after the divorce and Legal aid put a second charge on the property , which I assumed was for the £ XXX.00. I cannot quite remember how much , but I offered to pay back an amount each month to pay off the £ XXX.00 , but they refused my offer. I then received annual statements showing the £ XXX.00 owed + interest for 4-5 years , then  statements that I owed £ XXXX.00. I contacted them and after some time they apologised and said they had made a mistake but I still owed them £XXXX.00. Legal aid blamed my Sols for not understanding the principals , however my Sols when told about my liability of just £XXX.00 wrote back to Legal Aid who confirmed for a second time that £XXX.00 was my total liability , before my Sols wrote to me to see if I wanted to make said representations to the Court regarding the costs of the divorce. My questions are - If the initial Legal aid second charge on my home was for £XXX.00 , how can it now be £XXXX.00 ? Also , whilst they are now refusing to remove the second charge on my home unless I pay the £XXXX.00 redemption fee unless they grant me a deed of postponement , what about the fact that their incompetence  prejudiced my decision to not ask the Court to make the other party pay for the excessive costs of the divorce which the other party solely caused ? Thanks , Smolt 
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Overpayment charged on credit card

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Dear Friends,

Please can someone advice and help on this issue.


I went to a Pub with some friends in East London in October 2013.


I ordered some drinks and snacks for myself.


At the end of the night my bill was £25 and I paid by my credit card.


When I returned home and looked at my credit card till receipt

I realised that they had charged me £250 instead of 25

and I had entered my pin without seeing the amount.


called them up the next day and discussed the mistake

and they admitted and agreed to refund if I went down to them.


went back to the Pub in evening but found them to be closed

and there was a notice saying 'Closed for refurbishment'.


called them on the phone a few times but no one was picking up.

I went back again after a week or so and they were still closed.


This cycle of events went on for few days.


I complained to my Credit card company (Tesco),

who said that at the first instance I should try and get the refund back from the retailer as that would be easier.


After trying twice with the Pub which was still closed,

called my Credit Card again and asked for a Reclaim from the merchant.

I also put this in wrting on their specific form.


After about a month they got back saying that Mastercard (the credit card company)

is not allowing the refund of the Disputed transaction.

So they cannot help anymore.


The reason given by Mastercard was that I am not able to produce any paper proof

or bill of only £25 and not 250.

This is true.


The pubs only give you a total amount due to be paid and you pay.


They do not give itemised bill like restaurants.


The payment slip I had is for the £250 that I paid by mistake instead of 25.


The Pub has since closed down and there is another Pub opened at the same place in a different name.


When I went there and spoke to the new people

they say they do not know the previous owners

and have nothing to do with them.


However, i doubt that they are the same people doing business in a different name now.


All the above facts are absolutely true.


It was a genuine mistake on my part not to check the amount before confirming payment on credit card.


I overpaid £225.


Please advise as to what can be done now to get my £225 back.


Whom and how do I approach?


Is there any hope?


Many Thanks and Best Wishes.



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that's not quite right try section 75


give the FOS a call on Monday





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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Hi probe


You need to get statements from your friends to back up your claim that only £25 worth of drinks was consumed that evening.


Then write a Formal Letter of Complaint, mark it as such. Explain what's happened (The Pub took more then they were entitled to, agreed to refund, but failed to do so), how they have let you down (telling you to contact the pub after you asked them to carry out a Chargeback) and what you want them to do (refund the overpayment amount).


Explain that if this matter is not resolved forthwith then you will take the matter to the FOS, then they will have to pay the FOS £500 to look into the matter. Send the statements from your friends with the letter to the CEO.


Send it to :-


Mr Benny Higgins

Chief Executive

Tesco Bank

[email protected]


Let us know what they say.

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