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    • I recently upgraded my 3 Contract to a new phone which developed a problem. I contacted 3 and was initially told to speak to the manufacturer. They advised that as I was in the 30 day period of Consumer Rights Act 2015 to request a replacement that I go to the store to arrange this as it would offer a faster resolution. I agreed with this course of action and went to the store on day 29. Leaving it late admittedly due to health issues.   When I arrived at the store the Assistant Manager then gave just about every excuse under the sun about being able to help but because the policy was 28 days not 30 they could not help me. I countered this with CRA 2015 being 30 days and they refused to accept this so I asked for the policy in writing. We both looked on the 3 store website but embarrassingly enough for them it didn't state anything about faulty goods. The actual wording in the contract that I signed says "Refer to three.co.uk/returns" for the Full Policy which doesn't explain anything about replacement faulty goods. I know why... Because it's the legal requirement of 30 days... Store Manager being adamant the period for returns was 28 days refused to back down so I asked him to look up CRA 2015 which they declined saying "It's not my job to know the law" ... Of course if you're selling goods and services and are a manager you should be versed in CRA 2015.   Realising they weren't getting me to fold my argument they requested a colleague get a copy of the policy from the back room. When they returned it was very clear the document they were about to show me was the signed contract of another customer. Consequently I called this out and said "Don't show me that, that's someone else's personal data" which they seemed to take offence at and said I was just trying to give them a hard time. They went on to justify saying that what they were trying to show me had no personal data despite initials and a signature being clearly visible. I again instructed they take the document away from me. The wording was so small that the only way for me to read it would be to have actually taken the document to look at it. The ultimate irony is that policy in this other customers document would be irrelevant because that's not the document I signed.   Realising I was getting palmed off and probably being labeled as toxic I decided to leave, but not before writing his name down and sending off a blunt tweet to 3...   Needless to say I'm not too impressed, £16.55 out of pocket for a train ticket, probably going to need to return to the store again and having to put up with a broken phone either for 2 weeks (If manufacturer deal with this) or having to fight an outside 30 day period.   Tweet Sent... But not sure how I should approach that GDPR issue... So desperate to prove a point the manager didn't have he throws all regards to another customers data out the window?   When does my bad luck ever end...
    • did you send the irl complaint to zopla? dx
    • ok I will fill in the out of time statutory declaration.  My understanding is that the clock gets reset to when the PCN was originally issued?  If so then what do I do then as the company lo longer exists, I don't know who was driving the van on the day of the PCN so not much help 
    • That is a definite possibility, that OOT is a good idea, if accepted it will reset the debt to the original sum to pay or dispute and remove the bailiff fees.
    • Suggest that you complete the out of time statutory declaration with all of the details.   I would guess that if you were the director of this limited company that was dissolved, that you could still be liable. Doubt the Government would leave any loophole for companies with vehicles to escape PCN's after dissolution.  There will be a responsible director with on-going liability and as your name is on the DVLA records, it appears to be you.
  • 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.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      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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      • 0 replies
abeardedman

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January RBS overdarft of £1100 now ( and no doubt rising ) Bank charges are £900 of this! If I put money in it just gets soaked up. They stitched me up last year once also. Do I just stop using it? I can open another account with other bank I use. What will RBs do if I stop using the account? Do I say it is in litigation?

I'm about to write SAR letter to Customer relation manager in Edinburgh (freepost po box address ) Is this the best place to write?

I'm based in Essex.

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I would move to the other account, however the bank will not stop issuing charges even if the account is in dispute....but you can just claim them all back later.

 

It's likely that if you stop paying in to the account they will very quickly cotton on and then its off to credit management....it now depends on your personality to be able to fend them off.

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By the way....how many threads relating to this have you got going?

 

Hello hydra,

I'm still learning about these threads, I think I may have one other that I started a week or so ago. I usually post a new message when asking a question. I that right way or... ?

Ive spoken to about 4 people at bank in last week , all of them seem to be oblivious to the other!

Last guy was yesterday who suggested I take a loan out to cover overdraft. Just giving them more money it seems. Wrote a letter to manager last weekend asking for cooperation, still waiting for official answer

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Hey beardy, if £900s of this is charges, I wouldn't even bother seeking help. All the branch will be after is more of you money (in the shape of a consolidation loan). Stop using the account, start a claim and get the overdraft cleared by RBS.

 

If you're not sure how, start with the step by step & user guides in the FAQs section.

 

As for asking questions, best to keep it all in one thread so ppl can see your progress!!


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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To keep my thread going do I send through this reply box?

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I'm getting conflicting suggestions as to which address to ask for my SARs from RBS. I'm based in Essex. Is the Tom Mclean one the best?

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I sent my request to my own branch recorded delivery, had no problems there!:)

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To keep my thread going do I send through this reply box?

Yes! ;)

 

I'm getting conflicting suggestions as to which address to ask for my SARs from RBS. I'm based in Essex. Is the Tom Mclean one the best?

I sent mine to the customer relations address from the contact us page of the RBS site, don't think it makes much of a difference with the first one. Just reply to whoever writes to you from then on. Makes sure everything goes recorded too!!


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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Hi there people,

Ive got a couple of other accounts set up now. Also recieved my pretty consumer action group stickers, thank you very much for them.

My SAR letter goes off tomorrow ( recorded ).

Why are we always so worried with first bite!

 

Anyway here goes, wish me well people. Encouragement always appreciated.

By the way I've already been totally misquoted by staff at bank when i sent letter to manager, so that has to be replied to also.

I suggest that everyone takes names and dates when speaking to staff. They may be human but they do work for banks!!

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Hi there,

Any suggestion for this.

SAR Letter went off today but also got polite letter from the glasgow RBS collection office asking about my overdraft.

I was replying today to my local branch asking to stop d\d's and standing orders till further notice.

Should I tell them I am claiming or let them find out themselves?:confused:

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Hi there,

Any suggestion for this.

S.A.R - ( Subject Access Request) Letter went off today but also got polite letter from the glasgow RBS collection office asking about my overdraft.

I was replying today to my local branch asking to stop d\d's and standing orders till further notice.

Should I tell them I am claiming or let them find out themselves?

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just tell them the account is in dispute.

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Any opinions please.

Just got a second auomated letted form RBS Collection centre in Glasgow claiming that they have been trying to contact me over last few days. Oddly enough we have had no calls whatsoever left on answerphone nor any of household taking messages. Methinks they are fibbing otherwise surely they would leave a message like my local branch always does.

Letter says this problem must be dealt with withing next seven days. They also suggest that cheque books and cards should be returned!

 

I am going to hand deliver a letter to ' friendly services manager' at local branch saying that account is now in dispute about charges and awaiting info from their head office.

Will also do same to Collection centre and ask them not to send any more automated letters.

Ive already stopped all standing orders & d/ds.

 

ANY SUGGESTIONS?

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Re:Another automated letter received

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

Any opinions please.

Just got a second auomated letted form RBS Collection centre in Glasgow claiming that they have been trying to contact me over last few days. Oddly enough we have had no calls whatsoever left on answerphone nor any of household taking messages. Methinks they are fibbing otherwise surely they would leave a message like my local branch always does.

Letter says this problem must be dealt with withing next seven days. They also suggest that cheque books and cards should be returned!

 

I am going to hand deliver a letter to ' friendly services manager' at local branch saying that account is now in dispute about charges and awaiting info from their head office.

Will also do same to Collection centre and ask them not to send any more automated letters.

Ive already stopped all standing orders & d/ds.

 

ANY SUGGESTIONS?

 

*

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I got that during my first claim. I phoned collections and told them I was in the process of claiming and the account was in dispute.. they said fair enough and said dont worry about it..

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I received a couple of automated letters from bank collection asking for cheques and cards to be returned etc. Obviuosly got a bit worried so phoned them up and told them I was in dispute about charges.

The very nice lady said , oh dont worry about it, we will freeze any more letters and action until end of March. By then she said my charges should have been sorted and repaid and back on track ( i havent got to second phase yet!). She was well aware of situation and said that hundreds were doing it.

So to others on here, dont get frightened by letters, phone them up , write to them and hopefully things will happen.

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Hello people,

Opinions please.

I had a phone call on a Sunday morning today from Nottingham Collections office asking about my overdaft problem. This was after already speaking to two other staff earlier in week who confirmed that because I was in dispute with them at head office they will not be pestering me until the end of March.

This particular person on Sunday ( today ) was suggesting that they extend my current overdraft temporarily for 9 months so long as I pay back £xxx per month until it is paid up. At present I have cancelled all dds and standing orders with them and will not use their services until this has all been resolved. They still will be charging me £28 month ( gold account ) for just having it sitting there. Should I take up this offer you think? As a delaying action?

She also blamed me politely for the charges because I didnt have sufficient funds at time ( which is true ) but I just said it was the extortinate cost of charges that put me in the position once I went over.

Its only been 10 days since I requested past charges ( SAR), how long do they usually take?

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Hello people,

Opinions please.

I had a phone call on a Sunday morning today from Nottingham Collections office asking about my overdaft problem. This was after already speaking to two other staff earlier in week who confirmed that because I was in dispute with them at head office they will not be pestering me until the end of March.

This particular person on Sunday ( today ) was suggesting that they extend my current overdraft temporarily for 9 months so long as I pay back £xxx per month until it is paid up. At present I have cancelled all dds and standing orders with them and will not use their services until this has all been resolved. They still will be charging me £28 month ( gold account ) for just having it sitting there. Should I take up this offer you think? As a delaying action?

She also blamed me politely for the charges because I didnt have sufficient funds at time ( which is true ) but I just said it was the extortinate cost of charges that put me in the position once I went over.

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What is it with all the double posts lol!?!?

 

I'd be very cautious about accepting an extended overdraft. If you are short of money, due to charges, why don't you open a new account elsewhere and have your money paid in to their instead until you get your claim sorted out?


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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Got my letter from Sandy Watt today ( I sent request 6th Feb ) saying that duplicate statements on the way shortly. Seems to be a standard letter. Says I should only list following for consideration:

unpaid fees

paid referral fees

card misuse ( Guaranteed cheque fees )

unarranged borrowing fees

Is this the norm?

I'm a little worried about sorting out the charges to claim, they always baffle me on my statements! But i will persevere ( and ask questions haha ). To anyone who is helping, it is all appreciated.

I do still have trouble finding my thread when I come on here, wheres the first place to look?

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Got my letter from Sandy Watt today ( I sent request 6th Feb ) saying that duplicate statements on the way shortly. Seems to be a standard letter. Says I should only list following for consideration:

unpaid fees

paid referral fees

card misuse ( Guaranteed cheque fees )

unarranged borrowing fees

Is this the norm?

I'm a little worried about sorting out the charges to claim, they always baffle me on my statements! But i will persevere ( and ask questions haha ). To anyone who is helping, it is all appreciated.

I do still have trouble finding my thread when I come on here, wheres the first place to look?

You should get an email to your personal email address whenever someone replies to this thread.

 

Click on the link in the email.


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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Hey beardy.

 

Top left heading is called "USER CP". CP being Control Panel. Here you can see a list of your subscribed threads that have responses on. You can then link straight to your thread.

 

HTH


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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Statements arrived in the post this weekend. As expected a little confusion from me. I knew this would be the awkward part.

What interest do I charge in the pre - lim letter, if any? I'm a little confused about this.

Forgive me if i am getting it wrong but I read somewhere that interest is not claimed unless going to court?

 

On my statements each month ( apart from other charges ) I have an interest charge for a different amount each time and immediately under this another charge i.e

INT TO 31XXXX A/C xxxxxxxx 20.17

CHG TO 31XXXX A/C XXXXXXXX 40.00

I've noticed that this only appears on 'supposed' overdraft months so is the £40 interest also? Does it go on charges list or interest list?

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Beardy, in my signature is a post about RBS charges, read through that to guide you through your spreadsheets.

 

As for interest, you can only apply the 8% interest when you file your claim. I suggest if you asking questions like that that you read through the step by step guide in the FAQ forum.

 

You SHOULD have a fairly good idea of what you are doing, not just bitpart from asking the odd question. You after all taking on a quite large company....


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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