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    • Not prosecuting in the public interest seems to be bandied about on forums frequented by students. I don't think I've ever seen a prosecution not go ahead because of that. You would have to define why it isn't in the public interest to prosecute someone who isn't paying their way and is costing other travellers more. I can't think of a reason. HB
    • we have known for a very very long time that 9/10 the OC never knows IRRWW are chasing debtors nor  in some cases even taking money from them that the OC never ever see!! IDRWW pockets it -  free money - lets all go on a staff holiday. there was an article some years back whereby that quoted some +£4M debtors had paid to IDRWW on UAE debts that when contacted the originating banks knew nothing about....😎  
    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
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    • We have finally managed to obtain the transcript of this case.

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      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.

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Scrofula vs RBS ***FULL SETTLEMENT OFFERED ***


Scrofula
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Hi,

Welcome, It's your money and you WILL get it back.

 

Best wishes.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...

Update time! I sent my SAR for two RBS accounts and got a nice letter back from Joyce E Tudor at RBS retail regulatory risk, first account no problem but the second account I closed 3 years ago and they can't provide statements without a sort code too. So I'll dig out the sort code and branch details and ask again, but I can't remember exactly when I closed it.

 

Anyhoo back to account one, I got the uber package of statements today and have highlighted all the relevant charges. At least I think I have... I know I can't claim for the service charge as it was a royalties account, but what's a referral charge...I'm assuming I can claim these back? Some months they've charged me a £60 referral charge and I have no clue what for?!

 

I've entered all the charges into the splendid Vampiress spreadsheet and will send off my prelim request for payment asap. It totals £608 which isn't as much as some successful claims I've seen here, so fingers crossed they'll roll over and accept the inevitable sooner rather than later :)

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  • 2 weeks later...

Ta daaaaaaaaaaaaaaaa

Just had a letter from a nice Mr Nicholas Lieberman at customer relations offering me full settlement of £608 !

 

" This is offered as a gesture of goodwill and without admission of liability or error. We are satisfied that our charges are fair, reasonable and transparent"

 

He goes on to say

 

"Kindly note that should you be unwilling to accept administration charges that may accrue in the future in relation to unarranged borrowing and that would be in line with our published tariff, then we may need to consider if we are prepared to continue offering you the flexibility you enjoy with your current banking facilities"

 

I have a parachute account in place already, but I don't plan on allowing the shysters to charge me illegally in future, so fingers crossed I won't need it.

 

I'll send my acceptance today and fingers crossed will have the money ready for the new year.

Without this site it wouldn't have been possible. I'm off to make my donation now and encourage everyone else to do the same.

 

Thanks Consumer Action Group :D

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congratulations !!!

Please take a moment to fill out the survey for us which is at the top of the page.

Will leave your thread here for a day or so because others may want to look over your progress.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Wow! That's got to be a record - 15 days from prelim to full settlement.

Congrats to you, Scrofula!

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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WELL DONE!!!

 

I sent my Prelim Letter the same day as you and have heard nothing so the LBA goes off today!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Hey Scrof, I think i've got the same letter from same guy - mine for £607 including contractual interest!!! Help needed pls if anyone can.

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/36087-sweetrevenge-rbos.html

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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