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    • then they would not have to go thru court process and no doubt loose??  
    • Indeed...it was suspicously cheap though.
    • Why would they offer a Tomlin Order? Surely they would only do that if they weren't 100% it was going to be a win... They reclaim their costs from the debtor if successful?  
    • I'm struggling to see how to win this one, especially now after looking at the other thread.   Is it too late to go back to our original dispute that they kept adding late payment charges even though they was successfully taking the minimum payment by direct debit?   Reckon they would accept 50% as full and final settlement now, as opposed to £1 a month forever?
    • Okay so this is an interesting case. A lot of the current banks dont understand the indepths concepts of Cryptocurrency and most transactions are viewed as being High Risk. Its sort of like the Ebay Chargeback [problem] of yesteryear... But more up to date.    So have TSB verified 100% that you are an innocent party in all of this? My concern here is that you may end up having a black marker put against your name.  This is known as a CIFAS Marker and you must get confirmation from TSB that you will not have one put against you otherwise you will have a very bad time.   I would suggest an email to the CEO's team - They cant override the Fraud / Chargeback team but if the money is yours and it passes all of their KYC Checks then there should be no issue. Let them close your account and find another bank who do want you. Also after the complaint has been had - You should refer this to the Financial Ombudsman Service as the way the bank have treated you is unfair IMHO.    They have T&Cs that allow them to close your account at any time but it has to be fair - IE Breaching KYC Checks / Fraud / Court Action... Etc Also I wonder if reaching out to the papers might be an option.    @BankFodder - Any idea?    Legal action might also be in the question if you are shortchanged by TSB and considering their precarious situation last year with the IT Fiasco - They are on shaky ground.  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • 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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Rebeleye

RBS arranged and unarranged overdraft charges

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Hello to you all

 

I have been reading and digging out numerous threads on RBS and how I can request for a overdraft charge sheet from years back. I was wondering what exactly should be the wording of the letter and what I should be looking out for in the details of the sheets they send me, this is regarding what I can and can't claim back.

 

Many thanks.

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send them an sar

 

id wait until after may 25 it will save you £10


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

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Many thanks for your response DX.

 

Does this May 25th has anything to do with the General Data Protection Regulation coming into full force from the EU.

 

Also, a bit of a silly question

but, what is this post 3 referred to in the SAR templates that is deemed imperative to be read before using any of the SAR guides?

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yes GDPR

 

as for post 3 read it...?


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

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Right, I'd contact them first week of June, and then come back with all the info I can get from there to take things further. This is an amazing site and really love what you guys have done here, I wish I knew half of the things I've binge read here in the last 72 hours, would have saved me tonnes of trouble and other ugly financial/consumer dealings from the past. Cheers.

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that's what we are here for..

 

good luck

 

ask away.........


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

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Hi DX,

I'm back again with more questions/queries. Over the last five, six years I've had the following financial transactions/ packages;

 

Everyday Loans (payday)

Very Credit Card

Capital One Credit card

RBS current account

 

Close Military Brothers car finance/loan

 

Very online/catalogue account

 

 

I'm very much interested in sending SAR out to all of them, just to see what I can find and or come up with. Is it ok to use the generic SAR template and throw in a request for any PPI's as well, are they compelled to especially release information about the PPI bit.

 

The last account I closed was Closed Military Brothers, I voluntarily terminated the agreement after paying a little over half of it. I forked out nearly 400 GBP to serbice the car, MOT, as well as two brand new tyres out of courtesy, I still have the receipts for it all. I was made to pay for a Gap insurance addon I had on the agreement before it could terminate, I asked for receipt which they claimed was not possible as they don't issue receipt for the gap insurance payments so they fobbed me off on that one.

 

Two months down the line these people came back telling me I owed them 2 months worth of late payment/arrears because the car was in my possession. This situation came about as a result of them not being able to find a car auctioning company on time to come take the vehicle rght after the agreement ended. And twice they sent someone out to my address without informong me. They were very adamant that I owed them till I threatened to escalate the issue to the FOS/FTA as my wife was getting stressed out by their barrage of phone calls and letters to my address.

 

They suddenly dropped the case and also deliberately refused to send me a copy of the agreement affer I had explicityly asked for it, thing is, I do not have the original agreement and feel there's something I might have missed and which they either dont want coming out or me discussing it.

 

Anyleads on how to go about this one specifically or I should just go ahead and SAR them as well after 25th May and take it from there?

 

Find attached as screenshot of the last post from them

IMG_20180428_200516.jpg

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get the info first


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

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