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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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redusga64

The Royal BAnk of Scotland!!!

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I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

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I have been with the Royal BAnk of Scotland for over 6 years i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the library but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

 

Thanks

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Post it to your branch.

If your account is in England, then keep all of your correspondence in England


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Post it to your branch.

If your account is in England, then keep all of your correspondence in England


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I sent my letter to the RBS on 21st Feb i'm not to sure of the next step do i wait 40 days to see if they will send me the list of charges they have applied on my account in the last 6 years or do i start with the court action straight away as the 7 days have gone.

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Did you send it recorded delivery or have you had any acknowledgement that it has been received?

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I've recieved nothing was actually thinking of sending it again recorded delivery.

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They will probably regard this as restarting the clock again on the 40 days but you may have no choice. They should have at least acknowledged your letter by now. Are some of your charges on the brink of being more than 6 months old? I had the same type of problem with Nat West (owned by RBS) in that, whilst they replied, they were trying to run out the clock so I've now sued them for an estimated amount.

 

If you don't face the same problen, it would probably just be best to resend it by recorded delivery.

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As another option i will go and pull out all my bank statements and see if i can come up with an estimate amount to just take it to court, as i can see they maybe avoiding the letter and to show i'm serious proceed to the next step with out the list of charges.

My most recent charge was end of Feburary for £145 all on 1 day my charges go back a long time and i'm sure they owe me alot of money, i'm not to sure what's the better thing to do as i'm travelling at the end of the month and don't want them to think i'm not serious.

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Just as i was ready to post the letter recorded delivery i recieved a letter from RBS 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with £28 plus the last charge of £38'.

Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.

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I take it that you haven't had your list of charges yet so send them an abrupt reminder.


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So, rudely remind them.


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Just as i was ready to post the letter recorded delivery i recieved a letter from RBS 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with £28 plus the last charge of £38'.

Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.

 

They tried this "goodwill gesture for the most recent charge" on me, hoping I would be daft enough to accept. I then wrote and told them I wanted ALL the charges refunding. In the end they paid up.

Stick to your guns. Give them the "14 days or court action" threat

Go for it all. Its your money, you are entitled to it

Good Luck,

 

Buzz.

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Thanks for advice, just wanted to know should i combine the 2 letters the one regarding the data protection act and also the abrupt letter requesting a full refund within 14 days without the total amount owed?

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No because then your deadlines become ambiguous. 40 days DPA, 14 days to settle. Doesn't work

We used to have a template letter which combined them in the way you suggest. It only caused problems and confusion.


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Ok well i've drafted the 40 days letter but stated this started from the date of my first inital letter which gives them until next week. Should i wait for the response on this before i conclude with the 14 days notice of full refund required?

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Did your original letter include £10?


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It needs £10 for it to be a valid DPA request. This gives the bank a legitimate reason for non-compliance


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Ok i will do this today by registered post, then move forward with the 14 days notice after the 40days. Thanks

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I'm now back from holiday and yesterday i went into my local branch to pay in a cheque the advisor there mentioned my over draft and the interest i am paying. She informed me that last month they have devised a scheme to be able to approve a loan to clear the overdraft which you pay back at an amount you can afford.

Cut a long story short got a call from the advisior today to discuss she pointed out to me the amount of charges that have been applied to my account and if they was to put me on this new scheme they will take back my switch card for 6 months to help stop the charges i mentioned to her that when i do receive my charges back that this will cover my overdraft and that this is a problem that the bank need to be dealing with and have informed her of the information i requested since March and soon as this has been received that i will be in a poistion to discuss this further.

Now my letter was date 16th March do i include the weekends when counting down the 40days as this is due on Tuesday?

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Yes include the weekends, bank holidays, end of the world and anything else that happens in a day :)

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Great cause i am actually looking forward to taking this further, summer is coming soon i want to enjoy it!!!

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HELP!!!

The 40 days are up for the bank to send me the information i requested should i call them to find out or should i proceed with action but the only thing is i'm not to sure of how much i've been charged over the years.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4679 days.

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