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    • Oddly enough I took a look at my daughters bag   I don't think theyre made to last anymore   
    • Many, many thanks.  That is genuinely useful.     The lender was Natwest.  I am fairly sure they will owe me something one way or another, but they do seem surprisingly keen to cooperate so far.  Also Barclaycard.  I think they may have decided it is a lost cause from their point of view.  So, they might as well try and score a few brownie points for customer service.
    • probably far too old and mostly in those days [pre 1990's] no-one was regulated anyway. the real changes like GISC and ABI didnt come in till later and they only regulated the insurance co's.   not sure what rules existed on mortgages back then but the only thing you must have inplace certainly since the 2000's in buildings ins if you didn't already have it. so being charged home [contents ins] as a compulsory term of your mortgage could be a no-no.  and can all be reclaimed.   there was a case not so long ago of home ins going back to I think it was 1992 from today and the couple got over £50k back ithink.   sar to your original lender might be the only chance of getting paperwork.  
    • So I'm the one that's paying the mortgage for my kids to have a home so I have to let them no what goes in and comes out and pay them payments with my card so he just authorized me to talk to them when he ohones as they always have to as me questions and what not
  • 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
        • Like
      • 0 replies
David2Prit

NPOWER - Issues with billing/meter

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Okay, something has happened. I’m now £1699 in credit......

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wow!!


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35 minutes ago, David2Prit said:

Okay, something has happened. I’m now £1699 in credit......

 

Request a refund :becky:


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Gonna leave it a few days before enquiring. 

 

This is what it's looking like. 

0_20190430_110152.jpg

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Blimey!

I'm away for a few days so I'm only using a phone but this is very unexpected.

without asking them, are you able to rationalize the sum that you have received and where it leaves you in respect of them owing you money?

I think at some point soon you will have to ask them formally to justify the payment and also have a full statement of account

 


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Absolutely no idea! I know they received the LBA, so I’m wondering if they are going through the account and realised the mistake. 

 

Either way, gonna leave it for a few days and see what comes of it all. 

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absolutely. Now you have received this payment I don't think you can bring your action because clearly they have paid you far more than you are claiming.

you will have to try and estimate what the situation is and then following up with a request for a statement of account.


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So, thought I would log in again today to see if they have taken it away, or adjusted anything.

 

I'm now currently in credit £3037.....

 

Going to have to give them a call.

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They are clearly in disarray.

Frankly I don't think you should talk to them at all until you have calculated where this leaves you in terms of who owes what to whom.

You obviously need your subject access disclosure to help you with this.

The only recommendation I can make is not to touch the money in case you need to hand some of it back.

I'm afraid that I wouldn't telephone them simply to ask about the money until I have some information to hand. You already know from your experience that you talk to different people, get different stories, nobody has particularly read the papers or know what's going on.

I think you should go carefully. Presumably they have stopped making threats.


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Oh I haven't touched anything. The money still sits with npower as a credit on my account. 

 

Yeah appears the threats have stopped. Only thing I've had was a phone call acknowledging the letter of claim and that they are looking into it. Which I believe has prompted the current review of account. 

 

Guess I will just leave it for now. Not going to go ahead with the court action at moment, given they actually do seem to be doing something. Will wait until mid next week. 

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Sorry, I thought that the money was in your bank account.

In that case I suggest that the next step is to ask for the credit to be refunded to you to your bank account. I can't see any downside to this. There will be a procedure for this to happen and I think it then puts them in a position where they either have to stand by the fact they credited you or they then start to argue that it was an error.

I suspect if you consult the Npower website – and also the regulator rules, you will find procedures for requiring overpayments to be paid back into your account.
 


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Ahhh okay. It'll have to call tomorrow now though. Going back into work and they'll be closed by the time I get out. 

 

I'll have a scan around the website also and see if I can find anything. 

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Check the rules first. You may even find that there is some website form for requiring this. Keep copies of everything that you complete. If you have to complete online forms then it may not be certain that you get a copy so take a screenshot before you click it off.

If you make phone calls then make sure that you have read our customer services guide and don't speak to anyone without recording the call.


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