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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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killagorrilla2

Barclays Penalty...sorry, Commission Charges.

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Hi Folks,

 

Does anybody know if Barclays are legally allowed to charge £30 for Paid Referral Charges on a business account?

 

I have month on month been hit hard with these charges and every month its getting harder to get out of the hole they are creating for me!

 

My personal account has the occassional Paid Referral Fee but this is charged at £8, although still a lot of money it is much more reasonable than the £30 on the Business Account.

 

How do I stand if I decide to go after them for a refund?

 

B

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Hi Killa,

 

Reclaiming Business penalty chgs was pretty much stopped by the Supreme Court case that was started in 2007.

 

You do, of course, make a good point about the difference between personal a/c fees and business a/c fees - how can it cost any more to bounce a business payment than the personal one ??

 

You could have a look here for anything useful - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?196-Business-Bank-accounts-and-charges

 

If you are in Financial Difficulties, you could also read here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty - and here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387431-Letter-before-Action-Removal-of-Charges-under-Hardship-criteria-BCOBs-(update-21.04.2014)

 

It would be interesting to here if the bank is willing to justify the higher cost of bouncing a business pay't when BCOBs applies to small business too.

 

:-)


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Also, read here about The OFT Test Case and subsequent treatment of Hardship cases - http://www.financial-ombudsman.org.uk/faq/bank-charges.html

 

:-)


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Thanks Slick.

 

Do you know of anybody that has taken a bank to court for recovery of these penalty charges since the OFT ruling?

 

I'm seriously tempted to give it a go.

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Hi Killa,

 

I'm sorry to say I am NOT aware of any successes with business cases myself but DO read through threads in the first link in post #2 above.

 

:-)


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