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    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
    • Hi Slick.    Originally my contract was with someone else and was a 12 month thing (which I was past) so I assumed it was a one month rolling contract. However when my gym changed ownership Harlands took over my DD (and put the price up).   I didn't tell the gym directly I just cancelled it with my bank due to miss information from my gym. The last DD payment was late last year probably around October time as this has been going on for a while with emails between myself and Harlands.
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      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.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies

Bank of Scotland - SAR rejected

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I've been trying to claim £1432 bank charges back from Bank of Scotland and was initially offered £120 which I rejected, they then offered £360 which I again rejected and then advised would accept a recalculation of charges at £12 each (which was offered by my credit card company) meaning I would accept a refund of £868.00 which they have now refused, stating their previous offers are now withdrawn and they will not refund any charges.


Considering taking them to court now and, before doing this, have sent a subject access request asking them to advise of all instances where there has been any manual intervention on my account. They have now replied advising they are "under no statutory obligation to record this information and, therefore, are unable to assist further with your request".


They have added they are sending copies of duplicate statements separately (a bit pointless as I keep all copies of my statements, hence how I was able to calculate the charges applied over the past 5 years in the first place).


Can anyone advise if this sounds correct - that they would not keep a record of any manual intervention on my account?



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Hi ally7770,


I got this letter as well. I assume since charges are not shown as "manual intervention" on statements the duplicate statements will still show any charges over the 5 year period. Manual Intervention I take as being if they have refunded charges to your account manually...can anyone else confirm if this is correct??



Bank of Scotland (In Scotland)


S.A.R. sent - 03/11/06

Statements received - 30/11/06

Prelim Letter sent - 04/12/06

LBA Sent - 09/01/07

1st claim filed at Sheriff Court (£720+int) - 01/02/07

1st Claim settled by BoS (£1037) - 17/04/07

2nd Claim filed at Sheriff Court (£735+int) - 11/05/07

2nd Claim settled by BoS (£977) - 13/06/07

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Believe it or not "no manual intervention" is a good thing. It simply means that an actual person didn't have to do anything manually on your account. This means that the charges they impose should be lower as no-one has had to do anything...does that make sense lol

Ally if you have already sent the letter before action then I would issue a court claim straight away. There is no reason at all to wait any longer as they have made it quite clear they aren't going to give you the full amount.


Good luck.



If anything I've said helps you then please feel free to tip my scales!

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Hi ally7770,


I got this letter as well. I assume since charges are not shown as "manual intervention" on statements the duplicate statements will still show any charges over the 5 year period. Manual Intervention I take as being if they have refunded charges to your account manually...can anyone else confirm if this is correct??




A log of manual interventions would allow the bank to argue that the charges they impose are rightfully expensive since they have had to pay someone to 'manually' examine and adjust something in your account. We all know that inverventions are computerised and therefore cheaper.


Beleive me when I say that no manual interventions is a good thing.



If I've helped tip my scales


Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D



Monument, didn't sign the agreement



Lloyds TSB didn't sign the agreement!



Citicards, didn't sign the agreement



RBS tut, tut!



Morgan Stanley, oh dear


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This means they will give you your list of charges, but not discuss "manual intervention". If / When it gets to court we all ask for "standard disclosure" becasue this means the banks have to disclose this information.


Something they don't want to do, and why so far all cases have been settled.


Good Luck

Hope this helps


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Thanks for the replies, going ahead with claim now.

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