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    • Well I’d like to see it, but I respect the decision not to publicly upload something that someone could prepare better by seeing it.  Good luck with the outcome. Perhaps it could be shared securely post judgement?
    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 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

willy v bank of scotland

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Hi sent my subject access request away on the 20th october, they state i owe them 1029.56 though my limit is £1700 they still demand payment of £600 each month. They have deducted the £10 for the sub request on 3rd november, still awaiting statments for the past 6 years.


Checked other forums should i estimate what the charges they have applied over the years and sent the prelim letter. I only have my most recent statements todate


Please help

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Willy your S.A.R. should have given the bank 40 days to send you all the information. That time scale has not passed yet so you must wait and then progress to the next stage.

Good luck.



If anything I've said helps you then please feel free to tip my scales!

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Still not received the statements. Here is the next letter i will send on the 14th dec



Section 7 – Data Protection Act 1998


Dear Sir/Madam


Account: ******************


You have failed to comply with my Data Protection Act Subject Access Request dated 20TH October 2006, I know you received it as you have deducted from my account the sum of £10 for my request on the 3rd of November, You had 40 days in which to comply this has now come and passed on the 12 December 2006, I have attached the copy of the letter I originally sent you.


If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice. This letter has been sent by first class recorded delivery, and therefore should have reached you by 15/12/2006



Yours faithfully,




Anything else i should be doing in the meantime, If they dont respond as i live in scotland i shall pursue in the scottish courts, i know i may need to submit 2 claims as you can only pursue for £750 in scotland. How do i calculate the charges without the actual statments.



Wil be careful with your personal data !

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Received a letter from HBOS dated 27th dec from

10 carlton street




Dear Madam

Data Subject access request


I would confirm that we have received your requesr for information in relation to the transactions and charges.Under the Data Protection Ace, HBOS has 40 days from receipt of your request to provide the required information. I would be therefore advise you that you will receive a response no later than 2nd February 2007


Your Sincerely

Data Subject Acess Request Team


On Same day receved another letter dated 3rd January 2007 from

Trinity road




Dear Madam


Completetion of Request for a list of transactions and charges for your ac no XXXX XXXX XXXX XXXX.


Thank you for letter requesting specifice information on your account with us. I can conconfirm that copies of duplicate statements have been ordered and will be sent under seperate cover.


With regard to your request for information relating to manual intervention on your account, HBOS plc in under no statutory obligation to record this information and therefore, i am unable to assist further with your request.


Should you have any general queries, please contact 24 hour banking on 08457 20 30 40.


Details of how we use your data can be found on ithe interner under the Security and Privacy sections Halifax Online - UK Banks, Finance, Telephone & Internet Banking or http://www.bankofscotland.co.cuk. if you would like a copy of the registered Data Protection Notification details, this can be found at ICO – Information Commissioner's Office. Alternatively, please let me know if you would like me to forward a copy of either to you.


Yours faithfully

Ken Patton

Data Protection Consultant

Business Risk - Retail.


Do i wait for unwil the 2nd of feb for statements, having no statements as yet, LBA letter seems to have made them take notice for them to send me statements, anything else i should do in the meantime

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i have had the same slow response from bos ,i was told 2nd of jan now a further 40 days ,just sent the lba yesterday ,dont wait do it they are stalling ,lloyds tsb are doing the same ,i have sent both lba letters yesterday,response already in post today from ltsb ,they will give me nothing ,called them and that is their last contact ,going to raise small claims tomorrow

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i am not waiting ,as told on these forums they have to respond to the 14 day limit ,if i dont receive a full refund i will go through an ordinary action (scottish)i am not afraid ,yes an ordinary action will involve a solicitor but will the bank defend,NO ,IF THEY DO I CAN ALWAYS SELL MY STORY IF DEFEATED

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