Jump to content


  • Tweets

  • Posts

    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Overdraft Facility - Legal or Illegal?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6297 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello there - hopefully someone can advise me on this issue that's been going round in my head since all this bank charge thing kicked off!

 

I opened a bank account with Halifax on my 16th birthday which I've had ever since (some 12 years).

 

Shortly after my 18th birthday I was sent a letter from the bank advising that an overdraft facility had been placed on my account (only something small like £200). Not wanting to get into debt I asked them to remove it, which they did.

 

However not long afterwards they put it back, this time for a lot more (over £1,000). I gave up and just left it there - never used it, until later on in life when bills started to come in etc - well I'm sure you know how it is.

 

Anyway, I've recently filed for claims relating to bank charges but it got me thinking .... I have never signed anything in relation to my bank account which applied, asked for, requested an overdraft facility. The only document I ever signed was when I was under the legal age at 16 years old. Is my overdraft even legal?

 

Oh for those that might suggest I applied over the phone for an overdraft - no, as I never speak to my bank!

 

Any thoughts you might have on this issue would be greatly received as it will have a huge impact on my claim for those fees they've been charging me all this time if the facility was illegal in the first place!

 

Thanks for your time!

Link to post
Share on other sites

Don't see it - they could argue if you didn't want to use it it was within your power not to do so, and if you did - then their usual T&Cs would apply, you don't have to sign anything to signify acceptance, usage is deemed good enough. (Which I think stinks, but there you go!).

Link to post
Share on other sites

Thanks for your reply. I agree with the point that it was up to me whether the facility was used or not but my point being any thing in relation to the Consumer Credit Act signed at 16 would be unclaimable ... or is it?? The terms and conditions would have been signed as a 16 year old.

Link to post
Share on other sites

I stand to be corrected, but an overdraft isn't credit by definition, it's a facility added to your account which you can choose to use or refuse as appropriate. As I recall, my overdraft did not need to be regulated unnder the CCA.

Link to post
Share on other sites

an overdraft would be classed as credit but they did not offer an overdraft when you were 16 only when you were 18 so they are in compliance with the banking code on that one. As buzby has said though, in post 2 you used it so you are accepting it being there.

Link to post
Share on other sites

No problem and thanks for your responses.

I just thought I'd raise the question, being that I'm already moving on reclaiming the fees and it got me thinking that I'd never asked for the facility in the first place. If it's a case that the banking code covers them (although I will check that point myself) then so be it - I've certainly made the most of it being there the past few years!!

Link to post
Share on other sites

I think it might be classed as providing a service? Not sure how this affects things but it might be worth thinking about.

 

I agree to a certain extent that if the overdraft is money you spent on bills etc you should pay it back. However I know where you're coming from.

 

It could be irresponsible lending but that might be difficult to prove.

 

Natwest were in the news earlier in the month for extending people's overdrafts over xmas without their asking for it, I think if this was commonly against any rules then the FSA/FOS would have said something.I'm not saying that proves it's lawful but I don't think you have a fantastic case against them.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

Link to post
Share on other sites

Thanks for the responses - they're all very useful in terms of getting other viewpoints, although Blacksheep1979 I'm not sure why you've made those comments - It's not a case of trying to screw someone - it's a question of whether the bank was right to have reinstated an overdraft that was not requested and more to the point that any documentation relating to the account was signed by a minor.

If you take a look at the profits these banks are making - I'm hardly looking at screwing anyone! Just getting back what's rightfully mine (the overcharged fees) but at the same time raising the question of whether the account should have allowed to go overdrawn in the first place.

Link to post
Share on other sites

tony, I think what blacksheep was doing is interpreting what you are writing as a way of getting out of what you owe which is one interpretation that could have been read from the post. I didn;t but if you used the overdraft then you have accepted the overdraft. If the interpretation that blacksheep has made is correct then i reiterate his words entirely. You signed the T&C's at 16, no overdraft was offered until you were 18 so nothing has been breached.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...