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    • Hi all, just to close this one, please see the photos below....before and after    Thank you, all, for some great advice (as per usual!)
    • Thanks BankFodder.   I wasn't intending on making bones about it with them but I was irked at being dismissed with the phrase 'it's store policy'.  I returned it because I was returning an air hockey game which wasn't functioning properly.  I would have assumed that if it were designed as a toy for an audience that may be prone to dropping it, it would be made to be suitably durable.  I was expecting that a year would have been reasonable and by it not lasting it was, as you mentioned, not of satisfactory quality. Alas, it's not something I wish to pursue to find out for sure.   I do appreciate your feedback, as always on here, I like to know where I stand with these things.  Thanks also for the heads-up on the Youtube video, I had not thought of that.
    • I've also being doing some reading over the weekend. It appears the law of properties act 1925 does not apply in Scotland (only England and Wales).   "In Scotland an assignation need not be in writing, and intimation is all that is needed to give the assignee a right effective against all parties. Apart from the terminology, the principal differences in England are as follows. Under the Law of Property Act 1925 the assignment must be in writing, the entire benefit must be assigned, and notice must be given to the other contracting party. If any of these elements are missing there may still be an equitable assignment – under which an assignee would typically need to join the assignor as a party to any action under the contract."   So I think the NOA defence is not going to hold up, as Nolans are probably right in what they are saying that their letter (intimation) is sufficient.   So my sole defence is going to be lack of default notice under section 87/88.   Any advice at this stage? I assume costs are still capped at £150 if lose?
    • Hi bankfodder. I do have the invoice in my email, so would it be the cost of the turbo and labour for fitting
    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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Some queries as I get started


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Hi all,

 

Just found this site today and it looks like just what I need. :)

 

I'm in the process of reading the FAQs and going through some threads relating to the history of other claims against my bank. I found the Govan letters last week and I had already written to my bank asking for details of all charges on my account over the last 6 years before I found this site.

 

In my situation the charges taken from my account in a month have topped £600, and eat into the money I have left to pay my bills, making it more likely to happen again the following month, and so on... When I don't have enough to pay an installment on a credit card or loan, I get charged late payment fees and extra interest by those companies. Is the bank responsible for refunding those costs which are directly caused by their removal of money from my account? Delayed and missed payments are also affecting my credit rating, so can I ask that the bank puts a statement into my credit files to say that they were to blame for the situation?

 

I could pursue all of the lenders individually, but I think that the bank should not only repay what was taken and lost interest on the account itself, but also compensate for consequential losses and the distress and hassle caused by worrying about missing payments (especially the mortgage) and being phoned several times a week by companies chasing their overdue payments. What is the legal situation?

 

As I said - I am reading the FAQs, but the point of this post is to get a feel for what the position is in an area that I haven't seen mentioned in the threads I've read so far. I will subsequently be posting a thread to chart the progress of my claim against Halifax.

 

One more thing - does anyone have any recommendations for a 'fair' bank that does not have a policy of screwing their customers for every penny? I will probably need one before long! ;)

 

Cheers,

Jeep (The Wife & I)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hi Jeep, you need to pursue each company who has levied charges individually.

 

It might be wiser to do that anyway as there is a limit of £5000 per claim in the small claims court!

 

Fair bank...... I'll get back to you on that one!!

 

Good luck.

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Guest Lueeze

Claiming the Bank charges, are in comparison to anything else your suggesting trying to claim, is easy.

 

Going to court and suing for Distress, and fianancial hardship will be much more difficult to prove, therefore you may loose, and will be out of pocket.

 

I dont think following that route would be wise, as this will only cause agro in the long run.

 

Start with the Bank charges and see what happens.

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As far as I understand things you'll have to claim against the credit card company for their penalty charges. You won't be able to get the bank to refund those, though you will be able to get from the bank their own applied charges. It will take time to go through the process of claiming from each company, but if you persist it should all come back in time.

 

I don't know much about the credit rating question, but I'm sure people here have been getting the banks to set that right. But that may very well depend on individual situations?

 

Keep going...

 

Neil.

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As far as I understand things you'll have to claim against the credit card company for their penalty charges. You won't be able to get the bank to refund those, though you will be able to get from the bank their own applied charges. It will take time to go through the process of claiming from each company, but if you persist it should all come back in time.

 

I don't know much about the credit rating question, but I'm sure people here have been getting the banks to set that right. But that may very well depend on individual situations?

 

Keep going...

 

Neil.

 

Hi,

 

Thanks to everyone so far for the speedy information and encouragement! I suspected this would be the case.

 

Cheers,

Jeep.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 12 years later...

This topic was closed on 10 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

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Share on other sites

Please note that this topic has not had any new posts for the last 5284 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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