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    • and further referring to wasted money It would appear that the PPE bill for contracts awarded to Tory populist mates without either competition, basic requirements suitability vetting, or proper reporting to parliament ..  despite Johnson 'the Liar' repeatedly lying about it to parliament is actually around 18 billion pounds rather than 12 billion pounds .. for about 2-4 billion pounds worth (still at inflated prices) at best of usable PPE   Including it seems things like: Paying a Tory populist pal middleman with no experience 27 million pounds (20%+) 'finders fee' to get some mostly unusable PPE at 4 times the normal price or more - about 127 million pounds for about 25 million pounds worth of PPE .. if it had all been usable   https://www.independent.co.uk/news/uk/politics/boris-johnson-covid-contracts-court-b1813003.html
    • Not sure if the above issue is covered in this group but if so I am after some advice.   My Dad is in his late 90's and on his death leaves everything to my Mum, also in her 90's but housebound. It is our intention and the request of Mum that when Dad has passed that the property she is currently living in is sold, we sell our property as well and we purchase a property with an annexe and self contained toilet / shower facilities where Mum could live out her days with us. There is no way on this Earth that she would go into an old folks home and it's certainly not on our agenda. Our daughter is their registered carer who currently looks after them.   Mum's Will as it stands at present states that I inherit her estate on her death.  She is talking about transferring the property she  currently resides in to me so that I can handle the sale of both properties. As her Will currently stands, the property she is living in will have already been sold so the Will won't be applicable. Could she change her Will now to state that on Dad's passing her property passes to me or can she gift the property?   The simple thing would be for Dad to change his to state that the property transfers to me but he is currently suffering with dimentia. He hardly knows what day of the week it is and gets very confused and agitated.   Any advice would be grateful. Thanks
    • One very useful admission to obtain from them in a recorded call would be to get them to admit that they hadn't informed you in advance as to the cost of the car rental. So for instance – "I'm just calling to find out what the cost of the car rental is because when you first approached me, it wasn't explained. I'm just want to find out so I can start arranging to pay how much I owe you." Something like that. The point is somehow or other to get them to acknowledge that they hadn't told you the rate at the time. It's an implied term of any contract the services that where no price has been agreed – then a reasonable price will be implied. Clearly you are not being asked to pay a reasonable price
    • Just to add, if you can start recording your calls then telephone conversations might be very useful because you may well be able to steer the conversation into some useful admissions. For instance, you might be able to get them to refer to the earlier conversations and what was said in them. This kind of thing would be gold dust. I think you can see that you have been tricked by aggressive salespeople – and it's up to you to start becoming a bit aggressive and assertive – and tricky – yourself.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies
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Hi Guys

 

Between 2007 and 2012 I was a Lloyds TSB customer, I earned less that £14000 a year during that period and was getting hefty bank charges.

 

These would swallow up nearly a third of my salary every month.

It almost totalled to £2500...

 

How would i reclaim this?

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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there was that recent thread/case, in the newsletter, where certain charges were held illegal/unfair under unfair terms. but dont know whether that wld be applicable?

IMO

:-):rant:

 

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Historically it was them, they would mess up one of my DDs, they would authorise payment even though the account may have no funds and the DD would STILL go through...

Or they would still try to process payment even though i had cancelled the DD, my monetary outgoings at the time were very close to the wire with minimal expendable funds as I was renting a property at the time.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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This may not be the news you wanted to hear, but hopefully it's helpful.

 

In principle, you can't reclaim bank charges. You can put your case to Lloyds about being in financial hardship and they can consider your situation and if they agree they will offer a solution (which can include a refund of recent charges but is not the only option open to them). However, they only need to consider current financial hardship, so you would be relying HEAVILY on their goodwill for any kind of refund.

 

Of course the legal route is available to you if you wanted to argue about the charge being unfair. I don't know how successful that would be though... maybe somebody else could advise further on that aspect?

 

Historically it was them, they would mess up one of my DDs, they would authorise payment even though the account may have no funds and the DD would STILL go through...

 

In that case, it wasn't Lloyds that put you overdrawn.

Not having the funds available is irrelevant - the banks aren't responsible for managing your finances like that, they were your direct debits, so it was your own payment(s) that took you overdrawn.

 

Or they would still try to process payment even though i had cancelled the DD, my monetary outgoings at the time were very close to the wire with minimal expendable funds as I was renting a property at the time.

 

Quite simply, you didn't cancel the direct debit within the agreed and necessary timescale.

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Yes, I saw that case. It was a very good win.

I did think about that and I'm going to wait th response from their complaints team.

 

As for the points above with BCOBS and it being my fault going over drawn... Not all of it Is my fault. They permitted the charges to continue even after I have budgeted to their charges it became a downward spiral...

 

BCOBS is a useful tool and I'm learning more about it every day

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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This may not be the news you wanted to hear, but hopefully it's helpful.

 

In principle, you can't reclaim bank charges. You can put your case to Lloyds about being in financial hardship and they can consider your situation and if they agree they will offer a solution (which can include a refund of recent charges but is not the only option open to them). However, they only need to consider current financial hardship, so you would be relying HEAVILY on their goodwill for any kind of refund.

 

Of course the legal route is available to you if you wanted to argue about the charge being unfair. I don't know how successful that would be though... maybe somebody else could advise further on that aspect?

 

 

 

In that case, it wasn't Lloyds that put you overdrawn.

Not having the funds available is irrelevant - the banks aren't responsible for managing your finances like that, they were your direct debits, so it was your own payment(s) that took you overdrawn.

 

 

 

Quite simply, you didn't cancel the direct debit within the agreed and necessary timescale.

 

You say it was the account holders fault. Now following your logic on my account, Lloyds honoured a DD for a loan, to them selves, then refused, on the same day others. Had they honoured all the others and not the one, to themselves, the account wod not have become overdrawn AND I would not have incurred all their charges which, as I could get out of the spiral then. Ended up totalling around £1500.00!

 

Yes it was my fault I had more DDs due than I had money but had they applied one rule or the other, i.e honour or don't then I wouldn't have received the charges that meant I couldn't find getting the account back out of the Red. So, in common with other banks, their practices and lending policies were weighted very much in their own favour.

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As for the points above with BCOBS and it being my fault going over drawn... Not all of it Is my fault. They permitted the charges to continue even after I have budgeted to their charges it became a downward spiral...

 

You say it was the account holders fault.

 

I didn't say it was your/the account holders fault.

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  • 2 weeks later...

Well an update, 3 weeks ago i hand delivered the letter to branch to be sent to the Execs office.

Rang yesterday for an update and strangely enough their IVR found my account details and transferred me through to phone banking.

 

I explained everything, she said she couldnt ID&V me and id need to go into branch and show my ID. I told her I Wasnt doing this as Ive done it 3 times before and it makes no difference.

She eventually gave up trying to palm me off an dtransferred me to her Customer Services Complaints team (An oxymoron in my view)

 

I asked why I hadnt received any acknowledgement and she had no idea, she had a quick look into it and spoke to the branch, came back and told me "Quote" one of the most angering things ever,

 

The letter never left the branch, they have just found it sat in a cupboard from 3 weeks ago.

I do want to apologise for this, they should have sent this to the address as requested.

 

I nearly blew steam. I sent this to their Head Office addressed to Antonio whats-his-face. No response yet.

 

Anyway, she then continued on and went through the process of raising a complaint about the charges etc.

She asked me about whether I had ever received a refund, etc - No

She also asked me how much in charges i had received etc - £320 Returned DD Fees & £2100 Unauthorised OD Fees

 

She then said she would come back to me next week. I wont hold my breath but i suspect they wont help.

 

Anyway, Lets see what happens :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Well they have said no... Why doesnt that surprise me?

 

Anyway i did get a £40 GWG for losing my letter and the phone call I had to make.

They said their decision is that they did 2 I+E back in 2009 and this constitutes them supporting me as best they could (With 2 x £115 Charges Refunds).

 

What about all the rest of my money? Anyhow... This isnt a success but worth a go.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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