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    • Hi    Thanks for your response to my questions.   1. You say they are Lodgers is this correct? (are you sure you don't mean 'Tenant')   2. What type of Tenancy Agreement do they have?   3. Rubbish/Garden Maintenance - This is the Tenant responsibility and should be in the Tenancy Agreement and your Letting Agency should be enforcing this with said Tenant by writing to them and informing them to remove the rubbish and maintain the Garden. If you then need to do this you will need to inform the Tenants giving them notice that if Rubbish not removed and Garden maintain and you need to employ somone to do this this will be taken from there Tenancy Deposit make sure you do this and keep a record of this.   Tenancy deposit protection - GOV.UK WWW.GOV.UK Tenant's guide to deposit protection schemes - your deposit, information landlords must provide, disputes and advice   4. You mention Lodger Bond Money. (Again I hope you mean 'Tenant', Bond Money I also hope you mean their Deposit is protected in a Tenancy Deposit Scheme and the tenants were given a copy of the prescribed terms of that scheme as is legally required)   5. If this is England I also hope the Tenants were given a copy of the How to Rent Booklet.   How to rent - GOV.UK WWW.GOV.UK This guide is for people who are looking for a house or flat to rent.   Reference your post#5   6. The Letting Agency cannot refuse to provide you with a copy of the Tenancy Agreement signed due to GDPR as you are the Landlord that has employed them to provide a service and you are required to have copies of this Tenancy Agreement especially for any Breaches of that Tenancy Agreement you need to know what that Agreement states to take action against those Tenants.   I would therefore challenge that Letting Agency and not ask but Demand a Copy of that Tenancy Agreement as you are the Landlord not them and are legally required to have a copy of that Agreement and if they insist no due to GDPR then you ask them to provide you with the evidence of which Article and section of the GDPR they are relying on to refuse the Landlords legal request for a copy of this Tenancy Agreement.   Table of contents EU General Data Protection Regulation (EU-GDPR). Privacy/Privazy according to plan. WWW.PRIVACY-REGULATION.EU Easy readable text of EU GDPR with many hyperlinks.   7. Do you actually have a copy of the Agreement that you signed with this Letting Agency? (not tenancy agreement your own personal agreement with the letting agency)     Sorry if this sounds a bit blunt but your Daughter need to stop being nice with this Letting Agency and remember they are working for your Daughter not the other way about and your Daughter is paying them for that Service so basically  your Daughter (The Landlord) has employed the Services of this Letting Agency to provide a Service to look after and Maintain the Landlords Property by entering into a Legal Agreement paid for by your Daughter (The Landlord).   Please Name this Letting Agency?    
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Claiming charges back


Mystery M
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I have recently left a major bank's complaints department where we were dealing with all of you guys complaints about charges.

 

Just wanted to say that you can go down the DPA route but it takes a lot longer to get anything done.

 

Save yourself a tenner and just tell your bank that you want your last 6 years of charges back. I know the bank i was working for had set up a 'task force' to deal with all the complaints we were getting about the charges.

 

Best of luck trying to get them back, but as a by word the banks need to issue their response to the charges issue at the end of May and it looks strongly like they will be going down. BUT no more free banking....

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Guest Lueeze

have you told Bankfodder or Dave that you have joined?

 

Bank emplyess have to advise before posting...

 

Unfortunatly we have to go down the DPA route as bank statements are not all we need to know aobut our accounts. Also some bank have ont included all the charges, and some banks will not give the statements, and If we dont do the DPA correctly we cannot complain to the IC or get a court to action this!

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Guest Lueeze

Im very sorry, for obvious reasons, we wont ask your personal details, but you must email BF or Dave and just advise you are here!

 

 

Sorry if this sounds grumpy its rules to protect our users, hope you enjoy the stay

 

Lou x

 

Sorry i just reread your post and saw that you only just left the bank you worked for, this should be okay, but go ahead and email, maybe you can offer some advice....anyway thanks

 

Lou x

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All i am saying is having dealt with all these cases it really isn't necessary. 95% of ppl using this site and getting all the information aren't claiming interest back and have no intention of going to court they just wont their original money back.

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Guest Lueeze

Yeah dont worry im just double checking...

 

Im nuts you see i have 2 kids that turn my brain to mush!

 

Sorry, friends?

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Guest Lueeze

From the last sentence, do you mean that the banks will no longer charge penalties? Just charge monthly/annually?

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also, what is the atmosphere like in the Big Bad Bank? Are they concerned at the number of requests for refunds? Are they annoyed with us? What do they have up their sleeves? Are a lot of people accepting settlements and not going for the full amount?

 

Lot's of questions I know! LOL - Just DEAD curious!!!

 

So!!! What's the goss??? :D

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Nothing is set in stone and each bank will be different but it looks like they will most likely either charge a monthly fee for the account or charge per direct debit and so on...

 

Jeez, are banks meant to make a profit from us or not?

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Guest Lueeze

Hey tink dont hold back eh!

 

We are grateful for the infomation though!

 

I dont suppose you are going to get any charges back from your old bank? Thats if you have any! ;)

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also, what is the atmosphere like in the Big Bad Bank? Are they concerned at the number of requests for refunds? Are they annoyed with us? What do they have up their sleeves? Are a lot of people accepting settlements and not going for the full amount?

 

What you need to remember is that thee are multi million pound companies and they make money in so many different ways.

 

I think they are concerned that they will have to change the way they charge which will cost millions of pounds to change their systems. That is what I think they are concerned with plus any time constraints placed on them too.

 

But then I wasn't a top honcho so we weren't told everything

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Guest Lueeze

Is this change in their contract, ie charging for DD/monthly LEGAL?

 

Surely if you sign an agreement they cannot just change important things like that?

 

And people on benefits, surely are entitled to free banking if they HAVE to get benefits paid into accounts?

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....95% of ppl using this site and getting all the information aren't claiming interest back ....

 

There is a big problem with working out overdraft interest that was made solely on the charges imposed.

 

Whilst some banks do differentiate between the two types, many do not. There is likely to be a much smaller amount invloved anyway, so the advice given can often be not to claim this figure, and if the case did ever go to court, you would have an arguement that you had provided a payment for the breaches.

 

If this is not what your statement referred to, let us know!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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BUT no more free banking....

 

Banking isn't free. Never has been. That's like a casino saying you don't have to pay to come in and play.

 

It's a no-brainer. Banks make a huge amount of their profits and annual turnover from services which are supplied on an interest applied basis, or legitimate pre-disclosed charges. The unlawful charges is blatant profiteering and totally unacceptable.

 

to pretend that our financial instituitions, and the finanacial services industry rely on unlawful charges to survive, and provide their legitimate banking services is preposterous. Indeed, it would be tantamount to a bank saying "our legitimate services of stockbroking, investments, mortgages, savings, and financial advice are so poor, and so loss-making, that we rely on unlawful charges to operate."

 

If banks really do rely on charges as a genuine income stream then even then it will not be a justified end to "free-banking", for, as the OFT point out

 

"..the bank must seek to recover from interest charges and other revenues.."

 

the costs associated with the general expense of running a financial services operation.

 

Please stick with us amigo.. always good to have the inside perspective!

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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I think the key thing is Shareholders. they are used to a certain amount of return on their shares hence they need to keep profits at the very least as they are. If banks lose money it has a dramatic effect on their share prices which then loses confidence in the market. blah blah

 

The banks are used to the money and wont want to lose it so they will regain it anyway they can

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Thanks

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