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    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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stacey777 -v- ulster bank


stacey777
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Glad to hear it stacey, if you like my advice then please click the scales at the bottom left hand corner as this is how we build a rep.

Stuart

If I have helped then please click on my scales.

 

Ulster bank

---------------------------------------------------

05/10/06 DPR letter sent

06/11/06 Request of repayment sent £1186.06

20/11/06 Repayment deadline

21/11/06 LBA sent

25/11/06 £90 goodwill gesture letter received

06/12/06 LBA deadline

09/12/06 Received final response to claim

I will register smallclaim in new year once Jan paycheque is in.

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  • 3 weeks later...
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Stacey,

Why have you had so many different account numbers?

Ulster bank have a practice that follow:

If a customer wants to upgrade their account say to A UFirst (crap account), they will open up an entirely new account alongside your old (this gets the branch points).

They also do this with sole accounts becoming joint acconts (make you open a new one) for the same reasons set out above.

Just wondered if this applied to you as these accounts do not have to be closed as all they have to do is change the account type.

Ulster Bank has some eally dodgy employment practices as well!!!!

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Bally35 are you a whistleblower if so we could really use the help feel free to PM me rather than answer on forum

 

Stuart

If I have helped then please click on my scales.

 

Ulster bank

---------------------------------------------------

05/10/06 DPR letter sent

06/11/06 Request of repayment sent £1186.06

20/11/06 Repayment deadline

21/11/06 LBA sent

25/11/06 £90 goodwill gesture letter received

06/12/06 LBA deadline

09/12/06 Received final response to claim

I will register smallclaim in new year once Jan paycheque is in.

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hi bally 35, yes please pm us if you have in any info that would help this site and our knowledge of how the banks work.

 

The reason i have had so many different accounts is for exactally the reasons you have listed. Joint account then becoming single account then changing to ufirst etc etc. i know someone who worked there she didnt even know the bank charges were unfair but that was a while ago. Im so cross when i think of a fella in my local branch who i thought was decent and he said unfortunatley:mad: that my charges were necessary i actually was left feeling like a criminal for going over in the first place :o

 

How times have changed!!!!

Practical and exciting. The Consumer Action Group, it wont let you down.

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hello all just to let you know im busy at the mo and thats why havent been on here will persue my charges in new year and keep you posted as to what s happening.

 

Have a lovely christmas and a happy new year all.:D

Practical and exciting. The Consumer Action Group, it wont let you down.

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Same to you and yours:)

If I have helped then please click on my scales.

 

Ulster bank

---------------------------------------------------

05/10/06 DPR letter sent

06/11/06 Request of repayment sent £1186.06

20/11/06 Repayment deadline

21/11/06 LBA sent

25/11/06 £90 goodwill gesture letter received

06/12/06 LBA deadline

09/12/06 Received final response to claim

I will register smallclaim in new year once Jan paycheque is in.

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  • 4 weeks later...

I sent off my list of charges letter and they totaled £627. I have now recieved a letter back from the ulster, they say there charges are fair bla bla bla:mad: they have given me a £90 into my account as 'goodwill' .

 

Im not sure what letter to send now could anyone help????

 

Im gonna have a look on the letters library. Will keep yous posted

Practical and exciting. The Consumer Action Group, it wont let you down.

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Stacey just send them a letter thanking them for their goodwill gesture and tell them you asked them to refund all your charges and will accept it as interim payment and shall be pursuing them through the county court for the return of the remainder !

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if my advice has been of any help to you then please click the scales ! Thank you :D

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Paddy,

Ok thanks for that;) i have just wrote this letter and will post it tomorrow.:p

 

What is my next move or do I wait for a response? :D

Practical and exciting. The Consumer Action Group, it wont let you down.

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Stacey i take it from your threads you have just sent the one letter asking for your money back if so this is your prelim letter which you allow them 14 days to respond after the 14 days you send them your LBA letter which is letter before action giving them an oppertunity to refund you after the 14 days you then issue your court proceedinga stick to you timescales not theirs you dictate the pace of things remember your suing them not the other way about all the letters you need are in the letter templates section you just adjust them to your requirments ok any probs just give us a shout good luck ! paddy

if my advice has been of any help to you then please click the scales ! Thank you :D

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Thanks for advice i have just sent off the letter saying i will except the £90 as an interim payment but will be pursuing them for the remainder. Will i go ahead and sent the LBA letter or should i wait on a reply to that letter??:D

 

Thanks again so much for advice??

Practical and exciting. The Consumer Action Group, it wont let you down.

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  • 3 weeks later...

thats the job stacey ! as far as i have been lead to believe the ulster wont settle until you file court papers but once they receive them they will settle with a confidentiality clause thats why we dont seem to have any word back from the people claiming against the ulster bank !

if my advice has been of any help to you then please click the scales ! Thank you :D

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  • 2 weeks later...

i have just rec. a letter from the ulster saying charges fair and so forth and ready to put in court claim so im away too templates for further info.

 

Any info would be much appreciated ;)

Practical and exciting. The Consumer Action Group, it wont let you down.

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time to go file your claim Stacey,then sit back and wait for the cheque.

 

Why oh why do they insist on this charade-oh wait,I know.....it's so they can milk the money they are going to pay you back on the financial markets of the world to make them a nice return before letting go....

 

I think this should actually be pointed out to these guys so that they know that we know what they're up to.

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  • 3 weeks later...

Hi STACY777

How long has this all taken as I have just sent first letter requesting statements. Hope things move quickly as they have already taken close to £600 in 3 months mostly referral fees £90 EACH MONTH. I am totally disgusted as its this that is putting me over my overdraft limit. I hope you get your response soon and a huge cheque!!!

hephalump

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Hi STACY777

How long has this all taken as I have just sent first letter requesting statements. Hope things move quickly as they have already taken close to £600 in 3 months mostly referral fees £90 EACH MONTH. I am totally disgusted as its this that is putting me over my overdraft limit. I hope you get your response soon and a huge cheque!!!

hephalump

 

 

Hi there hephalump

 

I think has taken about from nov06 to get this far. I am no not sure wether i will go ahead i had just went to the N Ireland court online file cliam and could'nt reg with them. As i was waiting to reg with them i recieved newsletter from Martins money savings and it said that new legislation was coming out in April and the charges were going to be set. The charges were going to be set at around £11 and only the difference wuold be paid i have a lot of £11 charges and i dont think i would end up with enouogh money to make it worth my while.

 

 

Im not sure however if this applies to banks in N Ireland?

 

It sounds like your charges are above that by a great deal:mad: SO ANNOYING... Get your money back it is yours but i think as i have already got £90 back i would only be due about £100 I suppose this is better off in my pocket than there's ummm I will go after all you have talked me into it:lol: im a nutter i know. No i think I will you have caused e to rethink here. Will keep this updated so watch out to see how get on i would love the whole £600 im owed but think the £11 will cancel a great deal of these.

 

 

 

Please start a thread because it is the best way for you to keep track of things plus people will post to you moderators and all and they will keep you right, post away here too, but your best advise will be on your thread its like your name lights all exciting i love people posting here. Defo need to get out more :lol:

 

 

Anyway God bless and get YOUR money back off them brats they wouldnt care if they left you on the cutter over these extortinate charges:eek:

Practical and exciting. The Consumer Action Group, it wont let you down.

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Stacey,

The OFT report is likely to set a limit on it but that does not change the way you can claim in court.

It is highly unlikely that the limit that the Oft will be as high as £11.00.Remeber they do not make the law, this is the point where they automatically become involved.

Anyhow, Under consumer law if the penalty is not a true refelection of costs, then the whole of the fee can be claimed back.

I would imagine that these £11.00 charges are from a while back when charges were lower.Remeber that OFT will be talking about a limit on current charge levels.

I would advise proceeding with court action.

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Hi Stacy, I agree fully with bally35 and you should continue as the claim is retrospective and based on the last 6 years worth of charges not what they may be set at in the future. Not sure if OFT has the power to set the limits you have mentioned for a time period which has already passed, after all £11 six years ago was worth a lot more than it is now and it would be unfair to assume that the costs of processing a similar transaction 6 years ago would cost the same as today. AFTER ALL THE PRICE OF A PIECE OF PAPER MUST HAVE BEEN LESS AND OH MY GOODNESS WHAT ABOUT THE PRICE OF THAT STAMP.

hephalump

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Bally 35

 

thanks so much for the info i will proceed with court action ta so much. You have made me so mad with them again ha.

Practical and exciting. The Consumer Action Group, it wont let you down.

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