Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hello. So I’ve found this high-end turntable on some Dutch Gumtree equivalent. Seller seemed like a nice guy who's agreed to go through the trouble of posting it to the UK. So I’ve paid with PayPal opting for buyer’s protection. 4 days later I’ve got a phone call that the courier is at the gates to the estate. I've ran to the lift all excited. As I stood waiting for the lift I saw through the window the courier taking out the box and dropping it on its side (it has to be carried horizontally). I hoped it's not my turntable...but it was. When I came down I was upset and asked him why in the world would he drop it on its side when it clearly says ''handle with care'' and there are clear arrows on the box indicating that it has to stay horizontal. All he said was - ''sorry, you can refuse it if you want''. I've told him that I’d like to report this and asked him for a form to do it and asked what the procedure is. Their van was blocking the gate and there were other cars so I’ve asked him to park the van and he just snapped a pic of a parcel on the ground (they don't need a signature because of pandemic), jumped in the van and left... I was just standing there in disbelief. I waited a bit maybe he'll turn around and come back but he didn't, I went onto the app and all I’ve found was that parcel status has changed to 'delivered' and there was a picture of it on the ground uploaded.  Couldn't find any way to report what has happened on their app, apart from leaving a feedback for the driver. Took it home opened the box hoping the damage would be minor. so the acrylic lid (£250) is broken, the tonearm (£1310) has been broken off, the cable (£250) is ripped off, the motor speeds are off, the plinth and the deck have scratches (don't know how to evaluate that).  Phoned dpd- got no reply, went onto their chat system and was told to just send the pictures of the damage to the guy in Netherlands as he has to start the case as he was the one ordering the delivery. The seller has been really cooperative. And after hours on the phone he's got a reply asking him to send photos of the damage and the damage costs which he's done, after two weeks they have send him a form to fill, which he's done and it's been almost 2 weeks since. No reply. It's been really annoying as I’ve spend a lot of money and don't know what the situation is. I have 'PayPal buyer’s protection' but I don't want the guy who's sold it to me to be out of his pocket as it's not his fault that the courier was so incompetent. What are my options? Can I do anything on my part to speed this process up and what would my options be if dpd wouldn't agree to pay the adequate compensation? Thank you
    • What happened BRS, contacted me after the accident and wanted to repair the damage i agreed i told them don't you want to go through the insurance they said no !. I said ok you can repair the damage, they asked me for more details about the damage so they could post the job on mybuilder.com. Anyway i emailed them giving them details of the damage and they never replied and ignored me.   It was only when i done a askmid and got the insurance details of 2 policies running on the vehicle and contacted Allianz the first on the list, BRS contacted me saying sorry for the lack of communication i went on holiday and left it with another staff member who failed to contact you.   BRS offered to say they want to repair the damage i said "NO" you messed me about the first time and now i want the security of going through the insurance.     I did give them one last opportunity under my terms i told them to pay ***** (fair amount)into my account and that would settle the matter and i would sign a agreement that the damages are paid in full. There reply was "that is not how we do things here and to contact their insurance" and conveniently never gave me the insurer responsible.
    • Check this and read about a Notice Of Correction     
    • There can be many reasons for dual insurance, depending on the use of the vehicle, certain hires, contracts etc, - nothing our of the ordinary there, just get the firm to confirm which one, as above don't let them dictate, they are in the wrong.    I would use you own insurers , and always advise this in cases where there is an impact claim for a  wall or similar.    Reason being is the third parties liability is for indemnity only which realistically is to pay for the damaged part of the wall and that only, they don't even have to pay for a builder, just the cost to repair, leaving you to deal and fend for yourself.    Your home  insurance cover will be on a new for old basis, giving further allowance if there any grey areas in regards to block matching, matching items (say for the welding) potential wear and tear contributing etc,    - more chance of getting more of the wall done than just the section that is damaged - plus it gives you a much better right of recourse if anything goes wrong, especially if you get a cash settlement or they use dodgy bob the builder.    Your insurer will want the third party details and will chase the responsible underwriter for their recovery, you may be able to piggy back on that. The reason for their hesitance in confirming about claiming back the XS will be due to the fact they are a home claims team and don't do an awful lot of recovery of losses compared to a motor claims department, and generally don't have as much experience on a day to day basis (or certainly not the front line staff). 
    • Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
spurious

Wescot / Natwest - "Agreement Unavailable"

Recommended Posts

Out of the blue, I've received a letter from Wescot regarding an alleged account in my name for Natwest. Given I haven't lived in the UK for years and have no financial relationship with any organisation there, it can't be legit. So I've requested further information.

 

Today, I received a letter from Wescot (via a UK post box that opens and scans my mail to me) stating that Natwest cannot provide an agreement, because this relates to a current account (seemingly an overdraft). Instead, Wescot state that they have asked Natwest for "statements" and will forward those upon receipt.

 

While the statements will be interesting, they surely can't form the basis to pursue me for a debt, can they? That would require a credit agreement, signed by me, with terms that mean I'm liable.

 

Any idea how to respond here?

Share this post


Link to post
Share on other sites

Lets see what statements they send you....if they are on original NW letterheads and in your name and address...then we will go from there.

Are they writing to you outside the UK ?

 

Andy


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I've now received the documents Wescot have sent me.

 

They consist of:

  • 39 pages of transaction statements
  • A request to apply a signature to a bank record
  • A 'New Account Sanctioner Checklist', which appears to be an internal form
  • A 'Completion checklist', which also appears to be an internal form
  • An 'Account Opening Form'
  • Two photocopies of identification documents
  • Nine blank pieces of paper

There is no copy of a signed agreement to any terms whatsoever, let alone a credit agreement.

 

Wescot consider my 'query' resolved on account of several pages of transactions and threaten that debt collection will now resume.

 

Share this post


Link to post
Share on other sites

Dont respond - Let the forest come... 

Wescot dont do anything so youll be alright... Imagine Wet Toilet Paper - Completely Useless...


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites
44 minutes ago, fkofilee said:

Dont respond - Let the forest come... 

Wescot dont do anything so youll be alright... Imagine Wet Toilet Paper - Completely Useless...

 

You think it's better not to do anything at all? Rather than point out they haven't provided any proof of liability?

Share this post


Link to post
Share on other sites

Do they have evidence of you living outside the UK ?

 

It might be worth just sending Wescot a letter stating that you are resident in X country and have not resided in the UK since xx/xx/xxxx.  If you have a copy of any document stating you are living at a foreign address, you could enclose a copy.

 

They cannot really do much ( as too expensive to pursue), but if these debt companies get a sneaky CCJ in your absence because they did not have any proof you were resident outside of the UK, then they might use the CCJ to ramp up pressure on you.  For example Commonwealth countries are covered by legislation allowing foreign Court judgements to be enforced in each others courts.  

 

When did you last make a payment towards the overdraft debt ?

 

How did you sign up to the Natwest current account and in what year ?  


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
1 hour ago, spurious said:

 

You think it's better not to do anything at all? Rather than point out they haven't provided any proof of liability?

 

Not unless you wish to enter into pointless letter tennis about something they can not do anything with anyway.

 

Andy


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi

I agree, in this case, just ignore.

Generally there is no agreement for an overdraft in any case, so good look to them in finding one. 

 

I dont know how old the OD is, or if you have had a final demand before, but In the case of a bank OD, the Statute Bar runs from  the date the bank sent its first demand for full repayment.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites

Just ignore it! I’ve got form with Natwest overdrafts  and moving abroad. They won’t do anything..

 

 


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

you've been here +12yrs and you still panic when powerless DCA's send a threat-o-gram..esp wetcloths...:pound:


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...