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    • For longer version and more details, please read above: Here is the short version: In late July: I hired "Decor Developments - Painters and Decorators in Lincoln" to do the work in my house.  The work includes painting of the ceiling and walls in the house, and also fixing a ceiling of the extension. The whole job was £4650. In early August: The work began, and took 2 weeks to finish. I paid the full amount with direct debit bank transfer when the job was almost all done. In late August: There were cracks and bulges appeared at the ceiling they fixed, I had to call them up twice, they fixed twice, but one crack is still visible today (19 Oct). The guy who fixed it, left behind some paint, and it was not Crown paint that they said they used. 30th Sep: It is found that the paint can be washed off, just by gently rubbing it with water using fingers, and the paint could be seen dissolves on fingers. This issue is found in all walls apart from the walls of the kitchen, dining room, main bathroom, also found in all ceilings of the house (including the ceilings of kitchen, dining room, main bathroom) Also found that the paintings were poorly done in some areas. 5th Oct: Finally able to get hold of the director of Decor Developments. He stated this is what he meant about non-wipeable paint, (in which I had no memories we had such conversation) He said has painted a hundred houses like that, its a standard paint to be used in all new builds in England, etc. The fact that he didnt state what kind of paint to use in the quote, means that it is entirely up to him to use the cheapest paint possible. He was very rude, hung me up at some point, eventually only agreed to send someone to repaint 1 small bathroom and 1 small toilet on Sat 9th Oct, and no more. He wont guarantee anything about keeping my brand new carpets or other surfaces clean.  The same day I called up citizensadvice, also found a trusted trader for advises. The director of Decor Developments told me to stop wiping the walls, cause Ill be damaging it, and that there is no such thing as primers for walls (which there obviously is). (this is in text messages) 6th Oct: The director of Decor Developments refused to explain why they are not performing a proper fixing (2 coats) for the 2 rooms he promised to fix, ignored my messages about that there is still a crack at the ceiling of the extension, and threatened to send no one on Saturday if I continue to text message him. 7th Oct: I sent a formal complaint letter through email to Decor Developments, stating Consumer Rights Act 2015 in the letter and mentioned that he can continue to perform the fixings that he is going to do on 9th Oct, also stated about what other things I request, asking him to reply me in 14 days. 9th Oct No one came, Decor Developments stopped communicating with me. 10th Oct I paid for a trusted trader to look at the house, he tested the walls (using a car washing cloth damped with water, wipe the walls left to right for around 10 times, and the paint would come off) and he pointed out different issues with the poor, unprofessional workmanship performed by decor development, and also the unsuitable paint for redec being used. He later sent me a report about it. 14th Oct Another trusted trader came to look at the house, stating the poor workmanship done, and cheap, inappropriate paint being used.  By 19th Oct I now have 2 quotes for the paintings for the ceilings and walls. 1 quote for fixing the ceilings. I would like to know, what else should I do next? Is it likely for me to win the small claim case? I really need some help and advises here.
    • So that's their reason for letting the claim become stayed...whilst they corrected the errors in the paperwork to meet the compliance guidlines. Its not really something you can use to your advantage or be part of a defence.     Your comment above really concerns me in that you still do not understand the process of issuing a court claim...so again there is only one claim ...no earlier claims no secondary claims...one claim that was stayed then lifted then judgment applied for and then set a side.   One claim one claim number.
    • Discovers SEO Executive Apprenticeships with Gladstone Street and #CreateYourFutureView the full article
    • Yes, I see what you mean. My interpretation of law is a bit shite, sorry.   I got it from part of the claimant's bundle below - this was when we first got knowledge of the earlier claim that I posted on here a while back.   REMIDIATION AND APPLICATION TO LIFT STAY 16 Following the Claim being issues, the Claimant became aware that the account required CCA remediation with regards to required data corrections, replacement Notice of Statements in Arrears and/or Annual Statements to ensure they met compliance guidelines within the Consumer Credit Act (1974). 17 The matter was placed on hold until remediation was complete but was one of approximately 40,000 cases affected by these issues. 18 Letters were issued to the Defendant on 27 March 2018 and on 2 April 2020 to invite the Defendant to reach payment arrangement without the necessity for continued legal action. The Defendant failed to engage with the Claimant and so an Application to Lift the Stay and obtain Judgment was made and granted by the Deputy District Judge Wilson on 9 November 2020. A copy of the Application and Court Order as exhibited at ‘pages 18 – 21 of SR1’.
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dottyanne
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What happens if you try to reclaim charges from a bank that you are maxed out on a 4K overdraft with? Am frightened now as I have sent a letter to Royal Bank of Scotland regarding bank charges....what if they ask for OD back all at once coz i aint got it????

 

This was my previous post - does anyone know if RBS may ask for full payment of OD and if so what happend if im not in a position to pay off in full?

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They might.

 

How much are your charges compared to your o/d? Would the repayment of charges take a big chunk off that?

 

Open a parachute account now just in case. If they close your acount, it will be harder to open a new one if your bank plays silly b#ggars.

 

If they insist on immediate repayment, you can stall by stating that as some of the o/d is due to their charges, the total amount is in dispute. Once you have your money back, see how much you still owe them, and negotiate a repayment schedule, insisting they freeze interest until they're paid off.

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Thanks - dont know exactly the charges for the last 6 years but they could be quite a bit.........ive asked them for all the details........... i have an account 'cash account' with Lloyds TSB.........but have asked them to look at refunding charges too although i dont have an OD on that account and do debit card - just a cash card facility........:confused:

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  • 3 weeks later...

Heard back from RBS they say they looked into my claim and I asked them to send statements for the last 6 years, they said they had then got a letter saying they have checked over the statements theirselves and found no errors and that all their charges are just......hope this clarifys??

 

Where do i go from there...Also got similar response from Lloyds TSB

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Please read the FAQs then you won't be put off by their put offs. You really need to get familiar with the process and when ready, go ahead and ask them to refund you the money they have taken in charges...as in the Step by step guide also in FAQ

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Ok ive just received in the post from RBS last 6 years statements - what now - go thrugh them all and list charges for what??? if charged for going O/d and missed DD payments??

 

Once i have a figure shoudl i write to them again?

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Ok ive just received in the post from RBS last 6 years statements - what now - go thrugh them all and list charges for what??? if charged for going O/d and missed DD payments??

 

Once i have a figure shoudl i write to them again?

You really do have to read the FAQ section - you probably missed my previous post so here it is again. The answers to your questions are in there :)

 

Please read the FAQs then you won't be put off by their put offs. You really need to get familiar with the process and when ready, go ahead and ask them to refund you the money they have taken in charges...as in the Step by step guide also in FAQ

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Referal Charge = When the bank decides to pay an item on your account (SO/DD/cheque) that takes you over your limit.

£30 a pop nowadays. :mad: Yes as Paul says they are also unlawful.

Good luck & all the best!

 

edit: they (referal charges) are applied on the sixth working day the month after the "offences" occured. Its not immediately obvious what they are for so you'd need to look back if you wanted to see what they related to. I wouldn't bother doing this though as regardless of why they've charged you, they're unlawful in any case. You can claim them all back anyways!

(Yes I work for a bank but am here to help! Please be nice to me! :))

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After requesting RBS Statements and going through for the obvious charges, ive come across charges that just say

 

:-

chg to 17 may a/c 1******* 30.00

 

from what i can see the normal charge to my account for the month (royalties gold) should have been about £10 per month and it is so in some months - so why in other would it be £30 or so??

 

Any ideas please as im trying to compile what they owe me at the moment and need to know wether or not to include these??

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Firstly - it is very difficult to give a considered response when you post a new thread for each question - I have now merged all your threads - please update to this thread, then people will more easily be able to help.

 

Is the normal monthly charge showing as well as this charge?

Alan, Derby, UK.

 

 

 

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________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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No, the normal monthly charge is usallu £10 per month judging by most other statements, when RBS sent me these statements they had already underlined the charges, they hadnt underlined the ones at £10 per month but they had underlined the ones above this amount, £20 - £40 or so - one months was even £90.00. This is why i',m confused as i know there is a monthly chage for the royalties account which was £10.

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when RBS sent me these statements they had already underlined the charges, they hadnt underlined the ones at £10 per month but they had underlined the ones above this amount, £20 - £40 or so - one months was even £90.00. This is why i',m confused as i know there is a monthly chage for the royalties account which was £10.

 

 

LOL....If they have been so kind as to identify them as unlawful charges themselves, then I would incude them in your claim - only fair not to disappoint them after they have gone to so much trouble!! :lol:

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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After requesting RBS Statements and going through for the obvious charges, ive come across charges that just say

 

:-

chg to 17 may a/c 1******* 30.00

 

from what i can see the normal charge to my account for the month (royalties gold) should have been about £10 per month and it is so in some months - so why in other would it be £30 or so??

 

Any ideas please as im trying to compile what they owe me at the moment and need to know wether or not to include these??

This is the referal charge I was talking about earlier. Read my post above 23:57 on 28th April again. If you're still not sure get them to explain it to you in your local branch - thats what we're here for. Ask for a copy of the leaflet that explains charges as well.

Here's my original thread on how they're worked out, maybe this will help:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2794

Yes charges are confusing, at times one wonders if they're set out like that deliberately.

(Yes I work for a bank but am here to help! Please be nice to me! :))

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Hi - i get what youre saying, however sometimes I have a referral fee in a month and also a charge that is more than the usual £10 account charge, this is where i'm getting confused - if ive already been charged a referral charge one month how come i'm being charges on some occasions more that the standard £10 monthly fee?

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That's their problem - once you send the prelim letter they will have the opportunity to explain themselves. If they do, then knock it off the total - if they don't then claim it back.

 

If your agreement was for a £10 fee to be paid each month as a service charge, then these figures cannot be justified.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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