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Yes, quite a few people. In what way do you keep hitting a brick wall - the process in the step-by-step guide is working for others.

Alan, Derby, UK.

 

 

 

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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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i must be doin something wrong,keep ringing them,but keep getting same reply,terms and condions,so not a penalty,so no refund

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Guest Lueeze

why ring them?

 

Did you read the FAQ's?

 

You have to follow that or they wont think you know what your doing unfortunatly!

 

Its probabally hell of alot more stressful ringing them all the time too!

 

look at the library and print off the appriopriate letter and get the ball rolling that way!

 

Good luck!

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Guest Lueeze

its ok, i would be the same but i have only emailed them and then sent back up letters. i only get angry at banking staff if i call them!

 

Do you know the charges you want refunding? If not send the DPA letter asking for a list.

 

If you do then send prelim letter giving 14 days to pay up...

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Hi Mo,

 

It really does take a few days to get your head around all the arguments and all the information.

 

You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'first steps.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you)

 

Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.

 

Good luck.

 

You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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i must be doin something wrong,keep ringing them,but keep getting same reply,terms and condions,so not a penalty,so no refund

 

Well, they would say that, wouldn't they?

 

They're lying to you. Or rather, they're telling you untruths. Yes, it's in their T&Cs. But it's still a penalty.

 

You are doing something wrong, you're phoning them and asking.

 

What you need to do is WRITE to them and DEMAND. 1st letter, ask nicely but firmly, give them 14 days. 2nd letter, ask even more firmly, give them 7 (or 14, some do, I don't) days or you'll take them to court. On the 8th or 15th day, issue court claim. At one point or another, they'll start taking you seriously.

 

Start taking control. At the moment, you're still letting them run rings round you. Time to set some deadlines. Yours.

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Guest Lueeze

Whats the worst that can happen?

 

Its all empty threats. Just words. They are wrong and they are using threats because they know they are wrong!

 

You will have to fight or lay down and let them walk all over you im afraid!

 

Good luck

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no i dont were will i find that letter

Hi Mo,

 

Wouldn't normally post these links, but will do so now. However, you MUST MUST read ALL the information on these two pages BEFORE sending the letters out. It is vitally important that you FULLY understand what you are doing, as your claim could end up in court, and you may need to answer your case before a judge.

 

DPA Request Template Letter:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=516

 

Preliminary Request For Refund:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=671

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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