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    • Also, are you able to get hold of your mother's own bank records which would show the money paid out to the company and then show over a period of years that no money had been paid back to that account?
    • Please will you tell us which company are dealing with. If you are the administrator of the estate then I would start off by sending them an SAR. If you have not informed them of the fact that she is now deceased, then I would suggest that you send an SAR in her name and apparently signed by her in order to avoid any complicating factors. It is certainly going to be difficult to get the money back after so long. However, did she take any action at all to get the money back? Is there any trace of any correspondence between them?  
    • As of today......not a thing! Sod's law that now I have mentioned it I'll probably get a letter in the next few days 😂
    • I have a bit of a dilemma my mum paid for a 3 piece to be made, when it turned up  it was the wrong colour so she sent it straight back to the shop this was now 7 years ago, and it has never been resolved, she became ill  and now she has passed it has only come to our attention that no money has been paid back to her or any other resolution made I have tried emailing them and all I got back is they are a reportable company, and they cannot believe that it has not been resolved, then they said they have changed accountants and all there accounts from 2012 are stored away and cannot be accessed, since that email I have tried on numerous occasions to contact them via email but they have not responded  she paid out over £2000 for this and received nothing back where do I stand in trying to get this back now I look forward to your reply thankyou
    • Thought I would put this on here just to help people avoid the situation I have found myself in.   Been on UC for about a year and a half and back in November found a job which pays a measly 14500 per year but of course is still over the UC threshold!  UC despite promising that I would be paid UC in November due to not being paid until the end of November didn't pay up because HMRC notified the DWP before I received my wages, but the main issue is Council Tax benefit which people need to be aware of.   I was advised by both the Council and DWP not to inform them what my income would be because it would fluctuate the first couple of moths due to not starting at the start of November and the fact that I was put on a temporary tax code, so they both felt that they would wait for HMRC to forward the correct figures rather than me "declare a change".  That was my mistake because for the next couple of months I still received an element of Council Tax benefit.   Then a couple of weeks ago the Council on top of three months nil UC award from the DWP asked for my last two payslips and days later I received a Council Tax bill in the region of £145 per month for February and March.  They then requested my latest pay slip and this morning I received a final bill for 2019/20 for which they were taking £363 by direct debit in March.  I can't afford £100 per month Council Tax let alone £363!!  I rang them and put half on a credit card and paid some via debit to bring March's bill down a bit but it will still be a struggle.   My advice is to be totally on top of this with the Council if you go back to work and lose your UC.  If I had fully known I would have paid extra in the months November, December, January so I didn't get walloped for one lump sum in one month but the letters come through thick and fast and aren't the easiest to understand and you could end up to your neck like me!!   To be honest you are "almost" better off on benefits.  "Make Work Pay" the DWP say.  Yeah right!!!
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chemicalbrother

Excessive overdraft charges ??

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My situation is that I've just managed to re-mortgage my home to pay off credit cards and an overdraft that had me in debt of £90,000. Over the previous few years I had been using my NatWest overdraft to stay afloat where I had a facility of  £20,000.  I was using most of it for quite a while and was racking up monthly interest of £200-£300 which meant that one week of every month my wages were just paying off the interest and not helping me to pay off my balance. I did ask the bank if I could convert the overdraft into a loan so that at least my payments would be reducing the balance owed but they declined.

 

Although I have now sorted out my finances, I was wondering if in your opinion I had a case for reclaiming some of the charges I've paid .

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