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    • hi   Thank you for your reply.   nice link . thank you very much.   I know I will get my refund. it has been offered. I have been told I am right about the situation. It does seem like this is in debate but this was clarified a long time ago.   Do you think I would be wasting my time to try and stop it happening to others?   I just would not want this happing to anyone else.   Thank you again                
    • Just ask for the refund you appear to be entitled to.  They'll either pay it or they'll explain to you why they won't.  Forget everything else.   Or you could try here:  https://www.railforums.co.uk/forums/disputes-prosecutions.152/
    • you stated :   "I would expect revenue officers are quite aware of the time of day they are manning barriers. i'd also go as far as to say they don't bother to do this in off peak times... as there would be little point, no loss of revenue to protect".     They were there when I should have had an off peak option, they did not give it me!! I asked for the lower fare. they refused!! And threatened a fine!! ( i did not know the jargon , that is true)  but "lower fare option "  should be o.k for them to understand.   When I say, to the effect, that there was a lower fare option listed on your computer before I left the station  Please can I have that as this higher fare seems far too much. Is there another option?   No.   I had full fare or a hefty fine options only.   you stated:   "your intended return was off-peak, but you didn't tell them.."   I asked for the lower fare, they refused. repeatedly. They had the option to charge the low fare but absolutely refused and threaten a fine.   I do not have to know any jargon.  I just said it was too much and there was a lower option before i departed and  why can't I have that? They said no and that I had to pay the high fare.   Which is untrue. They should have said that was o.k and gave any restrictions on the ticket!   you stated "this thread is getting boring and repetitive. "   You could help me and the many others  who may read this) who would like advice and offer suggestions of things to ask or mention with the complaint.   What would you say? How can I stop this from happening to others?   I have been told I was right by the staff at the station. So I know I am in the right.   Please can you be a bit more friendly and helpful?  Come on, lets try and do some good here.   I was hoping people might suggest some ideas.   Perhaps we can move onto the questions I should ask or things I should state regards my complaint. with time running out?  If not for me,  for other travellers, who will be going through this same ordeal if we do not help them.   kind regards.          
    • yes because 1000's of people believe a DCA is a bailiff and they are not and that penalty charges are lawful, they are not, so blindly cough up...   worth a few letters / free emails to try it on pays for the staff drinks down the pub that night with free money.   dx  
    • they have already 'outsourced' it ..........to a dca [crs - well that's harlands anyway] watchout for Zinc next.. but don't look at the bottom of the letter as you'll see its the same address again...}   forget about it go enjoy your life.    
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Bakerboy27

Coop account and hardship

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Hi,

I have a friend (no really) who has debt problems which are being added to I believe by the charges levied on her account.

 

 

She had a basic account with no overdraft facility

although she did keep going overdrawn and hence accrued charges,

these have snowballed as happens and resulted in the account being closed.

 

The thing is she is on benefits which the bank are obviously aware of and as soon as the benefits are credited they have been swallowed by charges adding to the debt problems she has.

 

I have tried finding posts on here but dont seem to be finding what I need so can anyone point me in the direction of reclaiming charges under hardship rules if this is possible.

 

would it be prudent to send an SAR or is this likely to be a dead duck ?

 

I am in the process of collecting all the info that I can.

Cheers

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First things first is to get a NEW bank account with a separate banking group, otherwise the bank will steal anything that goes in.

 

SAR the bank yes, find out exactly what charges have been levied on the account, and the interest charged, then under the hardship rules reclaim them.


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!

 

 

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Thanks, yes that is in hand not quick enough unfortunately, got her to apply for a post office account yesterday but they have closed her account today. not good !

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hardship letter should be in the debt collection section of our library


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks, yes that is in hand not quick enough unfortunately, got her to apply for a post office account yesterday but they have closed her account today. not good !

 

Matters not one jot if they closed her account, open another one, and reclaim all of the charges the parasites levied as they knew she was in financial hardship.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty


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!

 

 

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They closed it when she was in the black, refusef to let her have the 30 quid she had on saying that she might be overdrawn in a few days !!

Its the inconvienience of not having any alternative and done with no notice.

Really stinks.

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They closed it when she was in the black, refusef to let her have the 30 quid she had on saying that she might be overdrawn in a few days !!

Its the inconvienience of not having any alternative and done with no notice.

Really stinks.

 

Then she needs to lodge a formal complaint with the bank, exhaust it, then escalate to the ombudsman.


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!

 

 

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yes, complain. notice should be required.

and any money available at time of closure or withdrawal should be paid back out, regardless of what might poss happen in the future.

it seems coop bank is on the way out.


IMO

:-):rant:

 

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My advice would be to get your friend to join your local credit union. Not only will they provide a Visa debit card, they will encourage her to save a little each month, even £10 mounts up. The other good thing with a credit union is that loans are available, some on joining. Typical loan of £300. They do everything a bank does, but a lot better and without all the charges. Unlike banks, they will lend £500. I've used the Lincolnshire Credit Union for many years now and have received an excellent service.

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I had similar problems with the coop bank a few years ago now. They closed my accounts with very little notice, said that because I was just a basic account holder that it operates with different rules from a normal bank account. Even after banking with them for over 5 years they still closed the account and never upgraded it to a normal account.

 

I joined Barclays and opened apt heir basic account. 4 years on and it's been the best decission I've made. I now have a normal account. Their online van kings a great help, but what I've found the biggest help is that they will pay a direct debit, if you don't have enough in to cover it they will text you with the minimum funds needed to pay the DD and you have until 3pm of that day to get money in.

 

It's really hard when your at the bottom with no way out, but finding a better bank can really help you start yo straighten things out

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