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    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Rosy vs RBoS!


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I joined the site last year but it's taken me 6 months :o to get a parachute account up and running. RBoS have been obstructive every step of the way! Unfortunately for them, my new current account pays a good interest rate, and no £6 a month charge for some dubious benefits.

 

I have a question: My ex-husband and I had a joint account and when he walked out in 2001, I kept the same account number and he signed something for the bank saying that he had no claim over the account any more, they took his name off the account and also off the loan (since paid off) and the overdraft (also paid off). When ;-) I am successful in reclaiming my charges, will he have any claim on the money? Some of the charges were accrued while my ex's name was on the account.

 

So I have sent off my SAR letter today using the template from the library with my £10 cheque.

 

It starts here, and the clock is ticking.....:grin:

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  • 1 month later...

I sent that SAR letter by recorded delivery, but Royal Mail lost it somewhere. It never showed as delivered, I didn't get a reply from the bank and my cheque wasn't cashed, so I assume they didn't receive it (or received it without having to sign, and binned it, who knows!)

 

So last week I wrote another letter enclosing a copy of my previous letter and a replacement cheque, and this time I hand-delivered it to my branch. I no longer live or work close to my branch, but the journey was worth it.

 

My cheque for £10 was cashed yesterday according to digital banking, so I should be receiving the statements soon.

 

I had a word with my ex and he is prepared to write a letter to the bank if necessary to say that any refund of charges should be paid to me alone, so that's sorted.

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Ooh, here comes the fun! V. citing adding it all up:D

Good luck with it!

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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It's quite complicated, the way RBoS add the Royalties subscription to the charges some months and not others. I've deducted the Royalties subs, and I've worked out that I've paid £1610.00 in charges in the last six years, so I'm just about to send them a letter requesting it all back.

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Yes, that's what I did too, deducted the royalties fee where they've combined it. I also put the charges i'd amended in bold text to draw the bank's attention to the fact that I wasn't claiming royalties if that helps:)

 

Good luck & keep us posted!

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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  • 3 weeks later...
What a surprise, my prelim letter has been completely ignored. I told them they had 14 days to respond, they've actually had 21. So the LBA goes off to them tomorrow.

I'm a little bit ahead of you - sent LBA 2 weeks ago so this weekend I'm preparing to file at court.

 

I received no response to my 2 letters, although reading some of these threads some people have had full settlement after the LBA.

 

Maybe it's a lottery who they deal with first, or maybe they're just getting busier and busier??

Request for statements sent 1/2/07

 

Statements received 10/02/07

 

Prelim emailed and posted 15/02/07

Prelim email received 15/02/2007

Prelim letter signed for 16/02/2007

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Brilliant! Congrats!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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:D I got a letter this morning offering me the full £1610.00 :D I've signed the letter to accept, and as soon as I get the money I'll donate to the site.

That's great, but...

 

WHERE'S MY OFFER RBS????????????

Request for statements sent 1/2/07

 

Statements received 10/02/07

 

Prelim emailed and posted 15/02/07

Prelim email received 15/02/2007

Prelim letter signed for 16/02/2007

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