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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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Barclays Overdraft Fees - Reclaim help required


happycaravan
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the interesting [sic] thing here is the interest ….

 

whilst in an OD state, the account and everything in it attracted interest at their std OD rate..

however, and this is where slick's expert knowledge plays its part..i'm unsure if the 24.9% or the avg OD rate should apply.

 

I 'believe' we've seen Barclays cough 24.9% for this on an OD, but, since the change of forum software many of my notes and links goto oblivion now … and i'm doubting this is correct...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ah really? i thought i'd read on one thread a rate of 29% or something along those lines but i have seen a lot of threads so could be wrong on that! I'd appreciate your help Slick when you have a second, no rush as it's late and i wont be sorting anything this evening.

Thank you as always dx :-)

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Looking back at posts #13 and 14, this is a current bank a/c so why would penalty fees be reclaimed.

 

I get the PAF and the PPI elements but have I missed something  as I thought penalty fees stopped being reclaimed years back.

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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My fault Slick I thought it was worth a shot,  do we just forget about the bank charges then and focus on the other two? so do we have the correct interest rates on the overdraft ppi? I have completed a compound interest spreadsheet with 24.9% interest and the PAF  I have completed the spreadsheet with the 8% simple interest. Hopefully that makes sense - sorry again for the confusion :-(

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We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi HC,

 

Look at the 2 Word Doc'ts posted above by Andy. Let us know how YF's case compares to the case highlighted in 2014.

 

Did YF fall into a cycle of penalty charges after a single or a few small transgression and suffer disproportionate and/or spiralling charges as a result .......

 

........... or were there regular transgressions where the a/c went into o/draft with card and/or cheque payments.

 

The case highlighted by Andy is (to my knowledge) a County Court judgement so it set no Precedent for other similar cases. However, it does suggest there is a degree of hope for cases where the customer has suffered unreasonably or unfairly by the bank's treatment.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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  • 3 weeks later...

Hi Slick, 

First of all i'm sorry i haven't had chance to respond before today, i'm not in the best of health myself at the moment and I had to wait for my friend to return from her holiday in order to go through some finer details.

 

In answer to your questions above, and after going over the bank statements again the bank charges are due to the odd occasion when she's gone over her agreed overdraft limit as a result of card payments etc, sometimes there would be 2 or 3 charges at one time. There are a total of 39 charges between the period of 23/08/2000 and 19/01/2012. 

 

If i need to forget about this one then fair enough

- i just thought it worth a shot really but i'd rather focus on the other two as times running short and i really want to get some results on those for her.

 

Could you have a look at my question on post #29 re the interest on the spreadsheets?

once i know i have the correct rates i can get them sent off.

. I really cant thank you all enough.

From both of us xx

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On ‎10‎/‎04‎/‎2019 at 13:03, happycaravan said:

My fault Slick I thought it was worth a shot,  do we just forget about the bank charges then and focus on the other two? so do we have the correct interest rates on the overdraft ppi? I have completed a compound interest spreadsheet with 24.9% interest and the PAF  I have completed the spreadsheet with the 8% simple interest. Hopefully that makes sense - sorry again for the confusion :-(

those are correct

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi again Dx100uk

 

I have a question(s) if thats ok? 

Do i need to 'rename' the spreadsheets before printing off? i.e. I have one called Compound Interest - is it best to rename that PPI redress calculation? and the other Packaged Account Fee Reclaim perhaps? 

 

Also as the PPI we are reclaiming is relating the the bank account would it be template letter number 1 to use and adapt? 

 

Thank you

 

 

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yes ofcourse

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you :-) 

 

I am just tying everything up now and was looking for a letter template for the bank account PPI, I was browsing the Barclays threads and noticed one previous thread had used the Simple interest spreadsheet as opposed to the Compound Interest spreadsheet for their PPI  so i just wanted to double check i had input the information correctly. Aside from how long long it's taken i don't want to get it wrong and give Barclays any reason to wriggle out of it, but given the total amount of the claim i suspect they might - this is a biggie! 

 

 

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depends if there is any interest being charged by the OC, if not then you use the statint sheet...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi dx100uk

ok I’ve checked through the statements again and there is interest on there, it just says ‘interest charged’ and then the amounts differ each month. Would that be the overdraft interest? 

 

Thank you x

 

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yes and now you need to find the rate or the avg rate for all the years and use the CISHEET and pop that in cell d15.

 

there are several Barclays reclaim topics here

typically I think we use 24.9%

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes I’ve used the 24.9% as you advised previously thank you :) 

 

I’ve just noticed that there doesn’t seem to be any interest once the charges switch to ‘overdraft ppi’ around 2013.

 

I’m wondering if this is because it was maybe included in the monthly fee?

Perhaps more googling is required 😔.... 

 

Given the interest charged however am I correct in using the CI Sheet Dx?

And once I establish the answer regarding the interest inclusion Re the monthly fee I assume we don’t add interest on our spreadsheet from the date they stop charging? 

Thank you again x

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you end the cisheet on date they stopped their int [claim to date]

you then enter that figure as a whole into the statint sheet the day after [claimfrom]

leave claim to date alone

it auto increments daily till they settle.

 

you are entitled to 8% statint on any sum ..in addition to their int to that point ....as you've been deprived of investing the sum

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for replying dx100uk. 

I was trying to get my head around your response.

 

I have tried to keep the 2 claims separate i.e the packaged account fees claim and the overdraft PPI claim but im not sure if thats possible (unless im over thinking)

 

because from June 2014 the interest was scrapped and then replaced with a daily charge if the OD was used.

If I end the CI sheet as you say above i am left with approx 5 years of PPI charges still (between 2014 to present date) to record, where would i put those?

 

I seem to be getting muddled and i apologise in advance as im not very good with spreadsheets as is.

its taken me this long to get this far.

Please bear with me :-( 

I'm so grateful for your support

- we both are.

x

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the PAF is all on a sep statint sheet .

you can only claim statint on paf's  not at their int rate sadly according to the fca/fos.

 

as for the post 2014 ppi [after their int ended]

you enter those individually on the same statint sheet as the sum of the cisheet 

you are entitled to 8% statint on each one until settled

 

now the OD £10 charges

ideally those should be a third statint sheet.

as they are not associated with either the PPI nor the PAF claims

 

the process of reclaiming PAF/PPI might well render the AC balance at any/the date of each £10 OD charge in the black so those reclaims might see some/any/all of them refunded under either one.

 

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you so much that makes sense - i do so appreciate you taking the time to explain everything. 

 

I have completed the PAF exactly as you suggested (phew! i have got one of them right!! the only thing i need to do is add the bank address to the letter and get friends signature on said letter!)

 

The only question i now have is the £10 OD charges you mentioned, i have read back through the thread and can't spot anything obvious but i have been reading all night in an attempt to find a suitable PPI template to adapt (without success!) so my eyes are tired, - is that something i have posted about earlier? 

 

The only thing that i could recall was the penalty charges but slick had advised me not to pursue due to the supreme court ruling...

 

 

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why not mention them on each claims covering letter?

 

the account suffered numerous £10 OD charges post [date] 

should the account [following a successful reclaim] not be in the red now when each of these were levied, I also expect these to be refunded as it would no longer be a true reflection of the account balance at each date.. or alike...….

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I did think it might be worth a bash to be honest, after all what is there to lose?

I had already done the spreadsheet too so no real extra work involved there.

 

The charges were between £12-£22 i think in the end - not got the exact info with me as im at work at the moment

i do think it worth asking for them refunding - they can only say no cant they?

 

Thank you so much dx100uk,

this claim alone is quite huge and if we are successful (the PPI is quite certain as Barclays have more or less asked her to claim) we will definitely be making a donation to the site as a thank you.

 

I just need to get my template sorted now for the PPI,

I have the template but trying to adapt it for the overdraft PPi is tricky

- i have been scouring the forums for days in an attempt to find someone who had posted a similar one lol... 

 

x

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what Template

you mean PPI covering letter

or the FOS CQ you should send as well as the spreadsheet and covering letter for each PPI reclaim?
 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Yes the PPI covering letter, i have the template already but just needed to adapt it as its mainly to do with loans rather than our situation which is the overdraft PPI. Do we have to send the FOS CQ as well or will the covering letter as and spreadsheet be enough? (per claim of course) 

 

Thank you... again 

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you must always send the FOS CQ

else they'll just send their own one with loaded questions.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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