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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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sunnyjools

New claim-starting Monday

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sounds like theyre stalling! they do say theyve got so long to respond tho but you go by your own timetable, go ahead with your claim on monday as planned. not your fault theyre incompetent Diane x


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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I have got a question before I send off my moneyclaim tomorrow,I have been sending my letters to head office,do I put defendant as my local branch or head office.

I see most people have put local branch,but that is when they have sent letters to there local branch.confused !!!!! just dont want to mess it up now.

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where is helen savage based? i'm not certain but i think head office. although i think ive seen on here that it should be local branch, sorry i cant be more helpful. charles bacon is the solicitor at HO


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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money claim went off late yesterday,slightly later than planned,(been very busy) my other bank account is up and running so now we just wait.

I will keep you all updated,jools

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best of luck my friend


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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I have checked on moneyclaim site and claim has been accepted 14/6/06 so 14 days from yesterday, will I hear soon I wonder. :rolleyes: jools

 

 

 

 

 

 

 

While I am waiting I am sorting out capital one,had a partial refund from them,now going for the rest.

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I'm like you i am chasing cap one also for charges, i was in credit then they charged a late payment fee which took me over the limit so got an overlimit fee so now ive been charged £80+ since january! Hope you hear soon from natiowide


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 my letter to nationwide is ready to go but this thread has me confused.

 

do i A. send it to charles bacon head office

or B. my nationwide branch?? (if its my branch how do i address it properly, i know the address he he) :)

 

please help i was soooo close and now ive stumbled :(

 

please note its my `preliminary approad for repayment` im sending, i dont need to do dpa as i have my statements, ta.

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I sent mine to my branch who replied saying they'd forwarded it onto the area office. It was the area office who I got all my 'bog off' letters from and to whom I have just issued court proceedings :)


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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hhmmmmn so is the morale of that send it to my branch, or head office?? :)

 

i think you just tied another knot in my brain :p

 

who at your branchdid you mail it to?

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I sent both my prelim letter and letter before action to head office,charles bacon when it came to my moneyclaim I have given defendant as being my local branch but sent fax to head office stating that I have now commenced action. all letters that you send to your local branch will be forwarded to head office anyway so I dont think it really matters. jools

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Hi there, I to have been running through this site and I come across your first thread. We have been in exacactly the same position. My partner 'tried' so very hard to be a sole trader but the bank made it impossible from day 1.

 

No overdraft facility at all and no leway, it was there way or no way. We began to think if they could have the shirt off his back then they would take it.

 

I could wallpaper 2 rooms with the amount of paperwork for charges they have sent us over the years but they don't care who goes down and who they make money out of it is usually the small person they chase and make life miserable as i was once told you are only 'a little fish in a big pond'.

 

They have left us high and dry on many an occasions with no money due to the charges superseding any monies left in the account.

 

Fortunately he has been employed for the last year but I shall never forgive them for the misery they put us through during those bleak years.

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cheers jools

 

i think ill go with head office

 

thanks for your help

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Hi battyboo

 

Are you claiming your charges back or was it more than 6 yrs ago,its feels so good to be able to do something about it and not just stand back and watch them take hard earned money. bit nerve racking now but knowing you are all in the background helping us along makes a big difference. AND I WILL WIN.

thanks for the incouragement, jools

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we are as always right behind you all the way!!! 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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Hi Sunnyjools, thanks for your response much appreciated. No the self-employement started approximately 6 yrs ago (obviously will get exact dates) which to me seems a good place to start.

 

Can you tell me if you have to go through 6yrs worth of bank statements or does the first letter do it all for you in requesting suchlike?

 

All the posts I have read are very heartwarming and so pleased that people are achieving what we all thought to be the impossible.

 

Thanks for now.

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Help please, my moneyclaim is still saying issued on the 14 june, still doesn't say deemed served,have I done something wrong? I know they have 14 days but I was expecting some response by now.

 

14 days up on the 27 june - 8 days and counting

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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:

 

Hi, I have just started a claim and sent the standard letter to them. They have sent me (eventually all the information i require) do i claim 8% interest for the charges for each year, or can i claim (8% x 6 years) if you know what i mean. where do you get the standard spreadsheet for claiming?

 

Regards,

 

Jon


Jon

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Leave the 8% off for the time being : only needed at Moneyclaim stage :)


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Ditto, jools if you're watching ive got my charges back from cap one £120 after sending lba! didnt have to go to court, great innit?:o


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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Help please, my moneyclaim is still saying issued on the 14 june, still doesn't say deemed served,have I done something wrong? I know they have 14 days but I was expecting some response by now.

 

14 days up on the 27 june - 8 days and counting

 

Jools, have you got your copy through the post - it says on there when it was deemed served. I got mine a couple of days after and we filed on same day....it was deemed served on 20th, 4th July to respond by.


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Jools, i got my money back!!!


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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This topic was closed on 09 March 2019.

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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