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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


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Guest Lueeze

They are very greedy with OUR money!

 

It cant do the economy good, if all these profits they make from us go to the 1% at the top instead of filtering through to us....

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Guest Lueeze

Yeah its true, but once apon a time, the banks were kind, considerate to our individual needs, now they are monopolies and call centers in India that you can never get appropriate answers from!

 

I have had some appaling service from them and maybe if they had treated us with respect not taken us for granted, we would never have fought back!

 

Lou x

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I think the key thing is Shareholders....

 

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

 

all true, and fair observations.

 

so their shares might drop off somewhat in the short term (allianc and Leicester's dropped by about 6% immediately following the OFT announcement as they rely quite heavily on charges as a profit stream).

 

but still, so what.. the banks will,you are right, regain the money by more legitimate means such as slightly, slightly higher interest charges perhaps - but this is a cost that can be absorbed across the consumer and quite easily- it's like an airline adding a 50cent fuel surcharge to a ticket to cover inflated oil costs... no one notices.

 

And, god forbid, the banks might actually have to work to make some money.. they might actaully have to think about making what money and revenue streams they have, work harder for them..

 

Good.

 

That's business.

 

That promotes growth, stimulates competition, and ultimately benefits the market place, and the consumer.

"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 it would be unfair to imply that they can't make money legitamately. It is also easy to forget that the people at the end of the phone or in the branch are just like everybody else with families and bills. The bank i worked for wasn't concerned with the charges that were refunded so much. They wanted every customer to have the best service that they could provide. Don't forget no customers no money!

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Guest Lueeze

Some banks are "generally" good, the problem here is that alot of us have suffered at the banks hands, and this makes us annoyed with them.

 

Theres just NO excuse for call centres in India though! When i talk to a UK person I usually get good customer service, but the call centres in India are AWFUL for my bank...

 

I hope in time you will understand our views a bit better, we are not vindictive, we just want whats ours....lol!:)

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Indian Call Centres a dead cheap. Also they are still fairly new they will get better with time. But I do know what you mean I had to speak to them nearly every single working day!

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I heard rumours that the poor guys and girl in these call centre in Mumbai, Bangalore wherever.. all get given english sounding names (so we relate to them?!?), extensive voice coaching, lessons in culture, even to the extent where they are given iformation about cities, football teams and results... and the weather every day? This cannot be for real?

"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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No never heard them being told to learn about Easterenders and all that stuff but yeah their names were changed just cos its easier to say their names and stuff

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Guest Lueeze

Its for real I saw a TV program on it a couple of years ago...

 

If they are being difficult I always try to catch them out on those things, UK companies should deal in the UK for chrissakes!:mad:

 

Sorry rant over ;)

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No make them watch Eastenders.. it's so god-awful.. i want them to suffer..

"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 must say that my Parachute account is with A&L, and so far I have found them efficient and brilliant. I had reason to call them only once (needed to change a date on a standing order), and the lady I spoke to was in the North of England and she could not have sounded lovlier and been more helpful :D

 

Mind you that was during he day. Don't know if they use Indian call centres or not in the evening though. I'm sure I'll find out one day.

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Don't forget that a lot of Indians are still Christians - a legacy of The British Empire. Christian Indians have English sounding names ANYWAY. I worked with a guy whose name might as well have been "John Smith"... but he was Indian through and through.

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I heard rumours that the poor guys and girl in these call centre in Mumbai, Bangalore wherever.. all get given english sounding names (so we relate to them?!?), extensive voice coaching, lessons in culture, even to the extent where they are given iformation about cities, football teams and results... and the weather every day? This cannot be for real?

 

It's for real (at least the English names are, not 100% sure about the rest, but I've heard the same) - the company I work for gives our Indian call centre guys English names, and their real names are anything but ;)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

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If the banks start charging monthly fees etc... then surely the law regarding who has the choice over wage/benefit payments has to change back to what it was prior to 1985?

 

If I don't have a choice in how my wages are paid to me, and they get paid into a bank, then I am being forced into 'buying' a 'service' that I perhaps don't want...and I don't.

 

Surely this is a monopolistic abuse of the system? If Tesco MADE you buy something or they wouldn't let you out of the shop then surely there is some law forbidding this.

 

In Europe the individual has the right to choose how they are paid money that they have earned, so in the countries that DO make charges similar to this, it's fine - if you don't want to pay the fees, then don't use the bank - fair enough. Here, we don't have that choice and I, for one, don't bloody want to use a bank - the fastest way of depleting your wealth is to use 'free banking'.

 

Yet, I am effectively forced into having this 'service'.

 

The service from banks is usually appauling, the condescending tone you get from them when THEY c*ck up is one that I could do without; yet, sadly they have got my money before I have - meaning that they are in a privaliged position. A position that they abuse on a regular basis.

 

Why, if anyone had a choice, would anyone use such a service? They wouldn't - or if they recieved goods of the same quality as the 'service' provided by banks, they would take the goods back to the shop (same as the roads for that matter, but that's a different story).

 

Especially a service from a collection (cartel?) of business that have been caught out acting outside of the law - if a builder in my town was caught acting illegally, if would finish him - hardly anyone would use his services anymore. Why, then am I effectively forced into having a service from an organisation that is less than honest (IMO) and participates in dubious business practices?

 

The law should be changed to allow people to have the choice of how they are paid.

 

..and for me - I'll take the shoebox under the bed and take my chances with the honest theives.

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yet, sadly they have got my money before I have - meaning that they are in a privaliged position
Now THAT is a very interesting observation...we get paid, but we do NOT have control over our own money...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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..and, in my opinion, one that should be addressed urgently.

 

I think I may draft a letter to my MP (and maybe suggest that others do the same), in light of the revelation that banks are going to start making charges for their 'services'.

 

Although, I'm not sure what to ask him to do about it?

 

What do you think? What about a petition to get the law changed back?

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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Guest Lueeze

A petition would be good! You could deliver it to No. 10!!!

 

Can you do an online one?

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Although, I'm not sure what to ask him to do about it?

What do you think? What about a petition to get the law changed back?

I suppose a good starting point would be freedom of choice - although how a government keen on removing this right will deal with that (see ID cards) is anyone's guess.

 

I think the simplest approach would be to change the employment discrimination law, whereby you would not be able to turn down a recruit for NOT having a bank account. This leaves everyone free to make their own choices, although businesses would still need to manage payroll in a slightly amended way...

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

Collage001.gif

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Guest Lueeze

I dont know anyone who asks, "do you have a bank account" at the interview, so what would companies do if they employed someone, and found out afterwards?

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Probably just sack you - if you've been there less than a year, there's not a lot you could do about it.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Guest Lueeze

Surely they should have checked? Or am i being a numpty thinking that someone would have any rights? Lol!

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I would expect that the banks will offer a basic bank account- no DD, No SO, just a cash withdrawal card for an ATM. No charge for such a service.

 

Anything more than that they will charge for.

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