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    • @BazzaS No..  Just that I like to make new ideas work, but have yet to get good at making money out of them! The ideas have worked, and I am now on my sixth startup. I didn't consider contract law in the past though. I have learned my lesson!
    • thanks EB, for clear and concise advise. should i send it by recorded delivery to ensure receipt. i have been hovering about a little, pondering over the situation
    • What is that? Does it have a DSM-5 (or ICD-11) coding?
    • I have tried to track down a site manger but it appears the site has been sold again - London and Cambridge properties.  I have spoken to a local councillor Tony Robertson, he advised that the council are responsible for the CCTV cameras, and to contact the council switchboard. I have rang the switchboard and  spoke to a general operator who advised me to write in requesting the information. I will advise when I receive a reply. Of the three people that drive the car, there are two main drivers no-one has seen a ticket put on the car at any time.
    • @Pierre GA - The jargon behind DD 'guarantees' is, to my mind, mostly marketing. Direct Debits only serve to profit banks. The consumer does not benefit at all. It is far better to pay, via instant transfer from modern digital banks, than by an outdated Direct Debit scheme. Just think for a second.. Does one really want to hand over one's (in my case 'dubious') financial wealth to a third party computer? I would far rather transact and settle my bills myself; I think I should proffer the term 'Financial Zen.'  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
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      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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sunnyjools

New claim-starting Monday

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Hi everyone,

 

I have been reading this site for about a week now, having come across it by accident I am now totally hooked,and determined to get our money back.

 

With hubby being self employed I had 6 yrs of bank statements, the charges add up to 1300 all relating to charges being made for unpaid DD & Cheques,some all because cheques had not cleared by 1 day and insufficant funds of of a few pence or pounds,( 60p, 3.50 etc) ,I gave up asking the bank along time ago to refund the charges they just were not helpful at all.

 

But they are not going to beat me this time,having seen all the responses from you all and the support you all give to each other.

 

I never thought I would be doing this but I am sending the 1st letter on Monday ,recorded delivery, to Charles Bacon,I may need some help later on as I would not like it get to court,but I am prepared for it, I will keep you updated as what happens and what replies if any I get,wish me luck.

 

Thanks to everyone, Jools

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Good luck.

 

It's my belief that you won't need luck - just 'justice'.

 

You're doing the right thing - you've read around and understood what and how it all happens.

 

I doubt it will come to court, but if it does, have you joined the buddy system?

 

http://www.consumeractiongroup.co.uk/regbuddy.php

 

 


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.

 

------------

 

 

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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Thanks for that, I have joined now just in case,

 

I have also opened another bank account and will transfer all dd etc as from next week, I should have done this yrs ago.

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Update: I have today received a reply from my prelim letter stating unable to refund charges,the 14 days is not up until Monday,I guess I can send LBA now.

It sounds like this is pretty standard.

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Hi all :confused:

 

Just have a question,and i am sorry if its been answered before but I cant find it.

 

I see that NW are now closing most of the accounts that are making a claim,this does not worry me,but are they also adding an adverse remark on your credit file,our is improving and I dont want to go backwards if I can help it,its taken us 6 yrs to get back on track.

 

Has anyone had there account closed that does not have a OD?

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hi sunnyjools, i have sent my lba [7 days ago] & they havent threatened closure yet but have defaulted me! i have no official overdraft but am overdrawn solely because of their charges. i think i am right in saying they have to remove this when action is settled? some one will put me right on this i'm sure?


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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It sounds like we are at the same stage ,I should get a reply from LBA letter this week.

 

We have never had an OD with nationwide, they would never give us one,most of our charges go back a few yrs ago,so it will be good to get our own back

 

It seems to have gone very quite from nationwide,maybe they have settled with conditions,we live in hope.

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ditto, they wouldnt give me an overdraft either! my account goes back 5 yrs to when i split up fron ex. they have never given me an inch. i notice some people on here are getting refunds straight into their accounts after being told they werent getting anything back! fingers crossed it happens to us eh? regards Diane


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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hi jools, have you heard anything? i havent as yet but they have til next tuesday with me, fingers crossed xxx


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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No nothing.been waiting patiently,postman been and gone, online banking nothing,oh the waiting!!!!!!!they still have until monday.

I have been following peterbeale with interest,he seems 1 step ahead.

I really want to be ready when I send my claim.I was going to send claim to Head Office but now see that it should be sent to my local branch,although all my other letters have been sent to Charles Bacon/Head Office.

Also as I had all my bank statements for 6 yrs I didn't send a DPA letter,will this make a difference if it goes to court,or should I do it now?

 

 

I am living and breathing this site at the moment,its totally taken over my life.

signed off at 12pm back on at 8am how sad is that,really must go and get some work done today before hubby sacks me. jools :)

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hiya, i think its best if you get your Data Protection Act in case it goes to court. although i am not absolutely sure on that one! cant hurt can it? i know what you mean i am addicted to this site now! used to be ebay but i cant afford anymore off there lol! keep us posted


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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heard anything jools? i havent!


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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No nothing today.although I have checked royal mail and they received my r/d letter on the Tuesday, so I will give them until tomorrow. jools

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hey jools, anything? ive heard nothing, you done your online claim yet? i having a few probs with accessing spreadsheet so i have read around here and i think the 8% interest i'm owed something like £62.92 or is it (yippee if it is) £629.29? i had the first charge 5 yrs ago and i am claiming £1567.37 does this sound right to you? Diane:confused:


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Hi Diane

I am just doing the finishing touches to moneyclaim, having a problem fitting in all the details in the particulars of claim bit.have you managed to access the spreadsheet yet? my interest comes to almost 300,unless your charges are recent,I would have thought your interest was more than 62.92,if you can access the spreadsheet it is really easy.(I hope someone doesn't come back at me and say its wrong)

example:Amount Date Incurred Days since offence Interest 8% APR

£50.00 20/07/2000 2148 £23.63

£30.00 26/03/2006 73 £0.48

hope this helps

 

heard nothing again today so not expecting to now as soon as moneyclaim is ready I will send, this is the first chance i have had today to look at it again,could be a long night. jools

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sorry example not come out very well, let me know if you cant understand it.

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hi jools, no still cant do it! its all gobbledygook to me, i know nothing at all about spreadsheets. i dont think i'll bother with the interest, its too much like hard work for me. i hate to think they are getting away with it though, makes me MAD!


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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have you got excel,if you have you may just need to close then open again.

 

You can also do the on-line interest calculator,first go to the bank action page and you will find it there. cant go wrong with that.

 

are you ready to send your moneyclaim off yet? jools

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nearly ready but just checked my co-op a/c and i'm a bit short this week! lol what am i saying i'm short every week!!! thanks for help, i at work so i'll see if i can access it from here. good luck with your claim btw. go get 'em girl


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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sorry i really dense 2day, i cant find it on bank action group either mate!


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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thanks so much karnevil, you're a star! done it!!!


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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hi jools, all sorted! the swines owe me 1805.96 of which 238.54 is interest!!!!! glad i found the online calculator. i didnt have to add it all up either, it did it for me


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Hi glad you got it sorted,thanks to karnivel,i'm not very good at directing to a page.

now you can go on to part 3. jools :)

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yeah, when i get some dosh! i hate putting it on hold but have no choice at the mo! thanks for your help jools. have you finished your moneyclaim? diane


I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Had a reply today from a Helen Savage (member relations manager) which had been fowarded from sarah watson saying she has only just received my letter ( LBA) 14 days was up on tuesday now sat,saying they have 8 wks to reply,I am going ahead with moneyclaim on monday.Is this a standard letter.? I think so just checking.

jools

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