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    • Thanks for the replies, its so daunting with all the emails etc, have 2 lots going now, MP with council and Dukes. Hopefully will be sorted and if owed then a reasonable payment agreement.   How do you find out exactly how much the original debt was, and how much is charges? I thought it was to ask for a breakdown, but as I showed in my early post, when I asked Dukes it just showed what I have on bailiffs letters, and dates. How do I find out the original amount?
    • It feels like we’re going round in circles a bit here.  Can you confirm:   a) whether you have made a claim to the Hoseasons insurance policy yet (not a complaint to Hoseasons directly); b) whether you have, or can get, a copy of the letter that the school photocopied, that could can send in with your insurance claim?   Everything else is just distraction, at the moment.
    • https://www.greenenergyuk.com/ What is Economy 10 electricity? Economy 10 is a UK electricity plan, officially known as a ‘differential tariff’, that can help you pay less for your electricity. Basically, you pay normal prices most of the time, but cheaper rates during other ‘off peak’ times. These off-peak times are specified by the energy provider and are spread across the day. Altogether they will add up to 10 hours during each 24-hour period - which is why the plan is known as Economy 10.The off-peak unit prices available with an Economy 10 plan are often half the standard amount – so if you use appliances like dishwashers, slow cookers or washing machines during these off-peak times, it could help you cut your energy bills. However, you will need to be careful and disciplined about your energy use, because unit rates for energy you use outside these ten hours can be higher than usual.   Andy
    • There is no categories or lists of vulnerable people in the TCE or regs.   There are lists of where vulnerable people are likely to be found in guidelines, but even these do not say that any category should be regarded as vulnerable.
    • simply phone northants bulk in the morning and ask for a copy of the claimform AND the Judgement by email PDF you'll need the CCJ number from your credit file.   dx  
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
InsertWittyName

SAR on recently closed Smile Account

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Hi, great forum this, hope somebody can advise.

 

I was planning to move my Smile account and wanted copies of the old statements without paying their extortionate printing fees. A CAG SAR template letter seemed just the ticket! Having seen in a forum about accounts being closed by banks following a SAR I thought it best to wait until it I had done the closing as part of an account transfer.

 

So, account transferred, SAR sent soon after, and my copy of the personal data has finally arrived (maybe late, I will have to check), but no statements! Just secure messages and tax transactions. Surely they keep statement data, for a few months at least? And would that not be part of a SAR? Is there anything to justify challenging them on this?

 

Cheers

 

Mike

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Did you specifically request those statements to be included in the SAR?

 

Have they had the full 40 days in which to respond?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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Careful with wording.

 

Askign for statements means they can charge you for each statement!!!!

 

Ask for "Transaction List" instead


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thank you both for your responses.

 

 

They sent their response right on the deadline, so they were on time I suppose.

 

 

I used the CAG Full Subject Access Request and if I remember did not feel the need to modify it. (the PDF that I saved has been corrupted somehow)

 

 

Variation of terminology is always possible so I just left the definition wide open as stated on the template. But if I do chase it then 'Transaction List' may well be the best option.

 

 

Any opinions on whether Smile would have kept the transaction data?

 

 

Mike

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Of course they have it, they havent sent it because then you'd know exactly what theyve been upto all these years.

 

As advised, ask for a transaction list


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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