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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Financial Ombudsman - a recommendation


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An email to the FO, I wonder if I'll get a reply, what does FO stand for again? Oh yes, I remember now.

 

Dear sir/madam,

 

I am writing to inform you of my intention to take Clydesdale Bank PLc to court to recover more than £2,500 (+interest) of illegal charges made to my account over the past six years, I am also researching how I can go back to 1976 when I opened my account. Communication with the bank can only be described as atrocious with two certain cases of Data Protection violations and one possible but unconfirmed. Their behaviour is aggressive, threatening and obstructive to the point where on application for my personal details under the Data Protection Act I was informed that details further back than 2005 would have to be paid for at £5 PER STATEMENT, I had to contact the Information Commissioners Office to compel the bank to provide me with the details I am legally entitled to. Their claim to have misunderstood the Data Protection Act displays either incompetence by the data controller or a cynical means of having consumers go to as much trouble as possible to dissuade them from pursuing their claim. Personally I think it is the latter as I am in touch with, via the Consumer Action Group, a number of people who received the same letter.

 

Whilst on the subject of the Consumer Action Group, I would like to point out that I have received immense assistance from an organisation set up to assist consumers maintain and defend their rights, a mission the Financial Ombudsman is clearly failing to accomplish. I should not have to be subjected to the humiliation of dealing with a barely literate organisation that on occasion’s fails even to address their letters to me correctly (Clydesdale Bank not the FO).

 

I trust you will add this email to the many you have already received from Consumer Action Group contributors.

 

Yours Faithfully

 

Dread

Been screwed by banks all my life, it's payback time!!!!

 

OK as I seem to be handing out advice here I guess I had better add a disclaimer to my signature, Caro, hope you don't mind but I nicked yours.

 

Advice & opinions given by Dread 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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Guest Battleaxe

Will the FO react to the emails?

Will the FO do something?

Will the FO stop sitting on the fence?

 

All this will be answered in the sands of time.

 

Writing to your MP might help. Even if you get the same response which I received, you will know what side of the fence your MP lives on. Mine, has interest in several Banking organisations and he is all for punitive charges to dissuade us from going overdrawn. Of course go OD and help swell my pension fund..

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Will the FO react to the emails?

Will the FO do something?

Will the FO stop sitting on the fence?

 

All this will be answered in the sands of time.

 

Writing to your MP might help. Even if you get the same response which I received, you will know what side of the fence your MP lives on. Mine, has interest in several Banking organisations and he is all for punitive charges to dissuade us from going overdrawn. Of course go OD and help swell my pension fund..

 

No way? did he say that?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest Battleaxe

He didn't tell me to boost his pension fund but yes he said the charges were good idea in these days of rising debt.

 

See my thread 'I know what my MP thinks'.

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Not sure if I was dreaming, but last night, on TV, our nations leader, Mr TB, invited anyone and everyone to let the Government know about any issue that concerns you:

 

All you need do is text - Talk - Unlawful Bank Charges and send it to 62233

Lloyds TSB - £3,300.00 + £250.00 from FOS.

***FULL SETTLEMENT RECEIVED***

 

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Bill UK

 

All they can do is investigate, they do nothing else and have no powers to award damages or anything. I re-iterated that this why the financial institutions sneer at us and recommend that we take our complaint up with them knowing this.

Phillipa

 

 

Considering the following from the article on the This Is Money website -

 

...he threatened to make a legal ruling that will force banks to pay back all charges....

 

Mr Merricks warns that if banks failed to pay back consumers, or if the OFT investigation was lengthy, then he would be forced to weigh in with a ruling that could force banks to reimburse customers.

 

and even better

 

Instead, he wants banks to accept that their charges are unfair and refund them when customers complain, rather than resorting to delaying tactics and bargaining over how much they should refund....

 

...Chief ombudsman Walter Merricks believes that if banks reimburse those customers who are prepared to complain several times, then they should have to pay back money to everyone who makes a claim.

 

 

I am thinking about trying to get hold of a more direct and useable quote to this effect that could possibly be added on to the prelim letters. Plus we then continuously hound him/them asking why he hasn't carried through with his threat even the banks are still holding out till the last minute on every single claim. Not to mention the abuse of the court system.

 

I know it's an empty threat but our complaints would have more of a solid backing if the banks are directly conflicting with what the FO says and if it got a little publicity on this angle it would do no harm.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Hi I just sent email to FO as well.

I will now fill in small claim against Halifax, regarding approx. £900.00

If I helped you click on my scales (on the bottom on right hand site). Thanks

 

July 2006 - DPA sent - never got reply

September 2006 - First letter sent, got offer for half of charges, Thanks but no thanks reply with LBA sent in October 2006

January 2007 - filed Small Claim on-line

after some mix-ups on 14 February 2007 Small Claim pack served to Halifax

they have 6 weeks (Claim from NI take longer) until 28 March 2007 to respond

 

See my thread:

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/71700-kecimot-against-halifax-learn.html

 

Direct contact for Halifax

 

Matthew Ingham

Team Leader - Regulated Sales

Customer Relations - Halifax

HBOS Plc

CB/2/CR/26527

Direct Dial: 01422 326 527

[email protected]

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Email sent - synopsis - ombudsman is toothless and government cow tows to the banks. To think I could have been interviewed by Sky News this week too!!

Barclays -

- initial letter sent

- LBA sent 30/10/06

- settlement "good will" offer 10/11/06

- rejection letter sent 11/11/06

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mine done

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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A reply from the FO, and my reply follows.

Dear Mr King

Thank you for your email.

I am afraid that there are some limitations to our powers. One of these is that we do not have a general "policing" function with regard to banks. We do not, for example, have power to order or recommend that a bank should limit its charges to a particular level or should exercise its discretion in levying charges in particular circumstances.

I note from your email that you are unhappy with the business practice of the bank and therefore you should refer to the industry regulators; Financial Services Authority (FSA.) They can be contacted on;

Financial Services Authority

25 The North Colonnade

Canary Wharf

London

E14 5HS

Tel: 0207 0661000

Fax: 0207 6761099

Web Site: http://www.fsa.gov.uk/

Yours sincerely

Kerry Scannell

Consumer Consultant

Financial Ombudsman Service

Tel- 0207 093 7034

My Reply:

Dear Ms. Scannell,

Many thanks for your reply. I will forward details to the Financial Services Authority.

I would, however, expect that some or all of the following areas are within your power:

Applying pressure to banks to follow legal procedures for administering charges.

Notifying banks operating under your sanction that their policies are unfair on the consumer.

Acting on complaints brought to you by consumers.

Nevertheless, I am grateful for the response, and will continue my course of action through Her Majesty's Court Service.

Yours Sincerely,

So it looks like a forwarded mail to the FSA is next!

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Guest Alison82

Hi folks, here is the response to from my email

 

Dear xxxxxxx

 

Thank you for your email.

 

I am afraid that there are some limitations to our powers. One of these is that

we do not have a general "policing" function with regard to banks. We do not,

for example, have power to order or recommend that a bank should limit its

charges to a particular level or should exercise its discretion in levying

charges in particular circumstances.

 

I note from your email that you are unhappy with the business practice of the

bank and therefore you should refer to the industry regulators; Financial

Services Authority (FSA.) They can be contacted on;

 

Financial Services Authority

25 The North Colonnade

Canary Wharf

London

E14 5HS

Tel: 0207 0661000

Fax: 0207 6761099

 

Web Site: FSA

 

Yours sincerely

 

Leigh Williams

Consumer Consultant

Financial Ombudsman Service

Tel- 0207 093 7016

Fax- 0207 093 7017

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Just sent off my email, hopefully they will start getting the point....

eventually....

 

I dunno, mate, you'd hope, eh?

 

I've written a letter to my MP about all this and he's sent it to the state secretary for the department of trade and industry. If we all lobby our MP's they might start getting the picture!!

 

I have a thread with it all in, if you want to have the link, let me know!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Seems to me that the FO and OFT are both a waste of time. Whilst continuing to attack the banks directly, I would suggest as many letters to MPs as possible. AND, someone on this site must be able to get some media exposure. Get 'consumer action group' on the news or Watchdog and I think we will start to see some results.

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Seems to me that the FO and OFT are both a waste of time. Whilst continuing to attack the banks directly, I would suggest as many letters to MPs as possible. AND, someone on this site must be able to get some media exposure. Get 'consumer action group' on the news or Watchdog and I think we will start to see some results.

 

Well, I've emailed Watchdog today - if more people do then the researchers will have to take notice:

 

Try this:

BBC - Consumer - TV and radio - TV and radio

 

and I've written to my MP who has referred my letter on to the state secretary for the department of tradee and industry, so it will be interesting to see what their reply is.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Thanks for the link - I've just emailed them too.

 

No probs! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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