Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Bank Charges reclaim


moritesc
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3565 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there

 

I wonder if anyone can help. I have got a list of my bank charges from HSBC and in total this amounts to just over £2000 over an 8 year period mostly for unauthorised overdraft fees and a few unpaid direct debits. Some of the charges for the overdraft fees amount to £150 a time. I was not aware at the time that I could reclaim these and I am currently in a DMP and have been out of work and working on a contract basis on a lot less money than I was on - I wrote to HSBC and asked for the fees to be repaid, they said they would not repay these and sent me information about managing debt. They referred me to the recent court case in 2007 about the legality of the charges and the subsequent outcome in the banks favour. They state that their charges are fair and within their Fair Fees Policy. They state "we do not charge if the increase in borrowing is £10.00 or less. We never charge customers more than the level of the highest excess overdraft during the relevant charging period, rounded down to the nearest £1.00. Only one fee will be applied per day up to a maximum of £150.00 in any one monthly charging period".

 

However, if they are putting charges of up to £150 each month, how is anyone supposed to get out of the mess they are in, these fees, in my case snowballed and added to my financial difficulties.

 

I sent a complaint form to the FSO and have stated I am willing to file a claim in the court to retrieve this. I stated my financial hardship and that the fees were the catalyst of the problem as they kept racking up each month, making the situation worse. I have heard back from the FOS this weekend to say they are siding with HSBC as the fees were "fair". Should I go down the court route and what is the success route - and also, how much will it cost going via the court? I usually wouldn't bother but the total amounts to over £2,000 I feel that this is excessive.

 

Any help, advice, direction on this subject would be greatly appreciated

 

Thanks in advance.

Link to post
Share on other sites

Ok stop.

 

1. Overdraft charges can be reclaimed but not on the old method.

 

2. Read up on BCOBs

 

3. You need to claim unfair treatment whilst in financial difficulty. The charges themselves cannot be claimed on the basis that they are unfair. The court ruled in their favour. Instead u need to prove unfair treatment

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

Thanks, assuming this works for unpaid DD fees also?

 

Can the unfair treatment whilst in financial difficulty be after the event occurred, as some of these charges are 10 years ago?

 

At the time, I was struggling as I was the only one working to support my family but was not aware that the charges could be reclaimed and just accepted that this was what the bank charged.

 

How do I go via the court for unfair treatment. I have looked up on BCOBS and would excessive snowballing fees be seen as unfair treatment?

Link to post
Share on other sites

Unless someone corrects me i believe 2009 in when BCOB came into force.

 

Not sure on the returned DD fees.

 

I believe that after 2009 you can claim for charges where the bank knew or should of known you were in financial hardship

Ive not myself looked into overdraft and bank charges yet. (im focused on credit card reclaims atm :p )

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

  • 2 weeks later...

Bump for u

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...