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    • Hi there. So I am currently being scammed by a hire company that I have used previously in the past. I had rented a car from them some time ago but it seems they are using my details fraudulently now. It is not really much of a hire company, more like a small family outfit with just a guy and his son with a small office who rent a few cars out. I have received a letter from police regarding a hit and run on a car I have never rented. Spoke to the hire company and it seems they are doing dodgy stuff on the side.   I had no involvement in the incident, nor did I hire the vehicle involved in this incident. The hire company passed my details on to the police when they were requested for information despite the fact that I did not hire that vehicle from them. I believe that they had kept my details from a previous time I had hired a vehicle from them in 2020. I believe they used this to information from a previous hire agreement to fraudulently pass liability on to me.   They have since sent me a pdf of the hire agreement they had with another person on the dates of the incident and have told me that this was the person who actually hired the vehicle. Additionally the pdf they sent me was not signed by either the hirer or the hire company so I am a bit suspicious they plan to pass this along to someone else in the same way they've done to me. I have just filled out a response to the police letter filling in the info section that I was not the driver and putting the information that the hire company gave me of the "correct" details of the person who hired the vehicle. I have also included a hand written letter explaining the situation that this was probably fraud by the company and that I was not involved in the incident nor was I the person renting the vehicle. I just sent the response to the police a few days ago regarding this.   Additionally, and probably even more surprising given the fraudulent activities these guys are undertaking, they have sent me a MCOL claim for +£10k for this accident they are trying to pin on me. They have included cost of premium, insurance, repairs and time off the road. Absurd seeing as I did not hire the vehicle from them. Hopefully the police issue is sorted out with the info I sent them, although I do worry that they won't accept the hire agreement the company sent me as it was not signed by the hirer or the company, but that is a question for later when they respond. Regarding the MCOL claim, I do not know what I should do. The son at the hire company (who is the guy who sent me the copy of the hire other hire agreement) is ignoring me and the dad at the front desk is claiming he does not have information on what his son may or may not be involved in. This is all becoming stressful. I am not sure whether I should counter claim, defend or can just inform MCOL that this is a fraudulent claim that I should never have been dragged into. Any advice is welcomed. Thanks.
    • New Zealand is bringing in a law to force its financial firms to report on climate-related risks. View the full article
    • Hi   I agree with the above post.   Could you clarify is your building a mix of council & leaseholders or leaseholders only?   The Major Works Charges you mention they have added you are entitled to ask them for clarification on exactly what these works are, when they are going to be carried out, by which company and for a breakdown of their costs for these Major Works.   As you mention as an example your windows you need to have a good read of your Leasehold Agreement to see who is responsible for what maintenance. As an example only your leasehold may have a clause that the leaseholder is responsible for the maintenance of the windows again eample only so have a good read of your lease.   If their are other Leaseholders as mentioned in a previous post it may be worth talking to other leaseholders about setting up a Residents Association as this would be another way to challenge the Management Company as long as they recognise your Residents Association.   Couple of links for you:   https://www.lease-advice.org/faq/how-do-i-form-a-residents-association/   https://www.fpra.org.uk/  
    • urm thats interesting there should have been a windscreen ticket  as they've waited more than 28 days to send the NTK...well spotted.     NTK.pdf
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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.
       
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Bilgeman v natwest ** WON **


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Actually, there's more. Maybe I should start a new thread with this. Perhaps someone will let me know. NatWest closed this account at the end of all this and I wonder if they acted unlawfully as I don't remember requesting them to do so. Also, there's the matter of the few hundred quid still outstanding.

 

I intend to proceed something along the lines of:-

 

With reference to the above account which was closed recently I am writing to ask you to clarify the reason for closure and, if I requested this closure, which I do not recall doing, a copy of my signed request.

 

Also, I am lacking statements from April 2006 to the date of closure and would be grateful if you would provide me with copies. If there is a fee would you please advise accordingly (I know there is, of course, but no harm in trying it on). I suspect there are unlawful charges applied to the account during this period which I have not so far recovered and, in the event that I find this to be the case, I will be pursuing you for repayment in full.

 

Any comments, anyone

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Delivered this by hand this morning. As I'm a courier I got them to sign one of my Proof Of Delivery Sheets. Now I'm going to give them 14 days and see what happens

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'Dear Sir

 

Following your recent letter, I enclose your copy atetments as requested' (No mention of the £10 charge - thank you).

'This account was closed by the Bank due to poor conduct' (On whose part, I wonder?)

 

Now to have a read through and a think...

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  • 2 weeks later...

The account was closed last November and is therefore within the six months limit so how's this:-

 

 

Dear NatWest

 

You claim my account was closed due to ‘poor conduct ‘.

 

The problem arose purely as a result of your unlawful charges and therefore I am bound to ask on whose part this alleged poor conduct was and to contend that you closed the account unfairly.

 

You will be aware that Alliance & Leicester have recently been fined for similar behaviour.

 

You have fourteen days from receipt of this letter to reopen my account, to offer me either a satisfactory explanation of your reasons for closing my account or to offer me a new current account with all the services and facilities available on the closed one. If you fail to comply or I do not hear from you within this time I shall, without further notice, report the matter to the Office of the Financial Ombudsman.

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  • 2 weeks later...

...and here it is:-

 

'Dear Bilgeman' (not really...)

 

'Thank you for taking the time to write to the Bank's Customer Relations Unit.

 

I know from the content of your letter that you are unhappy about the bank's decision to close your account and I am sorry to learn of your disappointment with our service to date.

 

To mkae sure that we fully address your concerns, I have requested background information from the area(s) involved. As soon as we have this to hand, one of our Customer Re;ations Advisers will contact you. We will be in touch with you by 20 April at latest to update you on our progress and, if necessary, obtain further details of your complaint.

 

In the meantime I enclose for your infromation a leaflet that explains how we deal with complaints at NatWest

 

Yours etc...'

 

April the twentieth will be well after the 14 days I gave them. This is just stalling, surely? Trying to get beyond the six months, do you think? Wonder whether to wait til the 2oth or make a complaint now...

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  • 2 weeks later...

Now that the cheque's cleared I can clarify the above. I was waiting for a reply from NatWest telling me, go on then - report us, when a letter arrived last week explaining why I was such a bad customer and that my overdraft had reached such-and-such a level and that they only transferred to Credit Management Sevices because my wages were no longer being paid in. Yeah, like I'm going to keep paying my wages in so they can be swallowed up by charges every week. Anyway, in a nutshell, they said it was my fault and the 'poor conduct' was on my part and not theirs, BUT, even though they weren't at fault, they were prepared to offer me £400 to shut up. If I chose to accept they would send me a cheque or if not I could approach the Financial Ombudsman. So there's a choice; collect £400, which is considerably more than the outstanding charges they owe me or start writing letters to the FO and starting all over again... well, no contest really.

 

The £400 is very timely and useful - £120 of it will pay the Court Fee for my ongoing Barclays claim.

 

Donation on its way to CAG in the next few days.

 

Cheers, everyone. Keep at 'em.

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  • 11 years later...

This topic was closed on 03/08/19.

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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