Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • BankFodder
      EVRI have lost parcel £300 model kit

      By BankFodder · Posted

      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • T911
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By T911 · Posted

      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x

  • Recommended Topics

  • Our picks

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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

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

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

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

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Abbey National Graduate Account

heyjude

By heyjude
in Santander

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1887 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

heyjude

heyjude

Posted
Posted

Hi. Im new to the site after reading about it in Daily Mail. I have been a customer of Abbey for approx ten years, the last three years having changed my account to a student account (mature student) which I maintained within the o/d limit.

 

However, since graduating, until recently I was unable to find a job. My overdraft limit was exceeded by 27p due to aq direct debit going out earlier than expected, for which IO was charged £30-00. I was then charged a further £20-00 for just being over my limit.

 

This has escalated over the past few months, and although I have tried my hardest to bring my account into some kind of credit, every month there is another charge, so even when I get into credit, they charge me for having been overdrawn therebye putting me back into debit.

 

I have phoned Abbey three times to plead my case, to no avail. Just the usual tripe about being comparible with other high st banks etc. Last week I called in to see the branch manager, and after some time where I was asked to discuss my concerns in front of a que of people, she agreed to re-credit the last £30-00 charge, and said that she had done this on computer whilst we spoke.

 

One week later, I found that she had not done this. Anyhow. I now have a job and would like to start the proceedings against Abbey. However, I am worried that they willl immediately recind my overdraft, as though I am about to start clearing it am not in a position to do so immediately.

 

Has any one got any ideas or shall I just put up with it in order to have enough time to repay the o/d. They have charged me £220-00 in the last five months for a maximum of £30-00 ovef limit, most of which was incurrewd throught their charges.

 

Thanks for any ideas. Heyjude

 

[edited by Site Admin - sorry, I found it really difficult to read when it was all one block of text.]

Heyjude

Link to post
Share on other sites
heyjude

heyjude

Posted
  • Author
Posted

Hi. Im new to the site after reading about it in Daily Mail. I have been a customer of Abbey for approx ten years, the last three years having changed my account to a student account (mature student) which I maintained within the o/d limit.

 

However, since graduating, until recently I was unable to find a job. My overdraft limit was exceeded by 27p due to aq direct debit going out earlier than expected, for which IO was charged £30-00. I was then charged a further £20-00 for just being over my limit.

 

This has escalated over the past few months, and although I have tried my hardest to bring my account into some kind of credit, every month there is another charge, so even when I get into credit, they charge me for having been overdrawn therebye putting me back into debit.

 

I have phoned Abbey three times to plead my case, to no avail. Just the usual tripe about being comparible with other high st banks etc. Last week I called in to see the branch manager, and after some time where I was asked to discuss my concerns in front of a que of people, she agreed to re-credit the last £30-00 charge, and said that she had done this on computer whilst we spoke.

 

One week later, I found that she had not done this. Anyhow. I now have a job and would like to start the proceedings against Abbey. However, I am worried that they willl immediately recind my overdraft, as though I am about to start clearing it am not in a position to do so immediately.

 

Has any one got any ideas or shall I just put up with it in order to have enough time to repay the o/d. They have charged me £220-00 in the last five months for a maximum of £30-00 ovef limit, most of which was incurrewd throught their charges.

 

Thanks for any ideas. Heyjude

 

[edited by Site Admin - sorry, I found it really difficult to read when it was all one block of text.]

Heyjude

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Firstly can you find the paragraph return key on your keyboard and learn how to use it please.

 

 

Secondly. I would normally advise you to go for the throat but there is certainly a risk that they might close down your account and overdraft.

 

You might be advised to open a new account elsewhere is preparation for the big day.

 

Pay back your ovedraft with Abbey and when you are ready in a few months - with nil or minimal OD and a new escape account waiting, attack Abbey for your money.

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Firstly can you find the paragraph return key on your keyboard and learn how to use it please.

 

 

Secondly. I would normally advise you to go for the throat but there is certainly a risk that they might close down your account and overdraft.

 

You might be advised to open a new account elsewhere is preparation for the big day.

 

Pay back your ovedraft with Abbey and when you are ready in a few months - with nil or minimal OD and a new escape account waiting, attack Abbey for your money.

Link to post
Share on other sites
heyjude

heyjude

Posted
  • Author
Posted

Hi I thought i posted this last week but I must have pressed the wrong button. I am new to the site and have a problem with Abbey. I have a graduate account with an overdraft limit of £16000. Approximately four months ago I exceeded the limit by £22-00. I was charged £30-00 for this and whilst, and in the following months have been absolutely hammered with bank charges. I have tried to keep the account within the limit, but everytime I pay an amount in, the following month they ad extra charges which take me over the limit for which they again charge. Once I was 27p over my limit and they charged me £30-00. These charges actually put me over the limit and keep me there. I have spoken both on the telephone and in person to Abbey and pleaded my case. They refuse to raise my overdraft limit even slightly to allow me to have an overdrawn free month.It has caused me hardship and worry trying to get my account within the limit. This month they have charged me £50-00 in charges. The manager in my branch agreed to refund the last charge of £30-00, and actually said she had done it in my presence, but when I checked the following week she hadn't. I have held an Abbey account for over ten years without going overdrawn. It is only the last few months that I have had this proble, and Abbey have charged me a total of £210-00 for the princely sum of £22-00. I would like tyo take action, but am worried that they will immediately recind my graduate overdraft, and I am not in a position at present to repay this amount immediately. Can anyone give me some advice. Thanks

Heyjude

Link to post
Share on other sites
heyjude

heyjude

Posted
  • Author
Posted

Hi I thought i posted this last week but I must have pressed the wrong button. I am new to the site and have a problem with Abbey. I have a graduate account with an overdraft limit of £16000. Approximately four months ago I exceeded the limit by £22-00. I was charged £30-00 for this and whilst, and in the following months have been absolutely hammered with bank charges. I have tried to keep the account within the limit, but everytime I pay an amount in, the following month they ad extra charges which take me over the limit for which they again charge. Once I was 27p over my limit and they charged me £30-00. These charges actually put me over the limit and keep me there. I have spoken both on the telephone and in person to Abbey and pleaded my case. They refuse to raise my overdraft limit even slightly to allow me to have an overdrawn free month.It has caused me hardship and worry trying to get my account within the limit. This month they have charged me £50-00 in charges. The manager in my branch agreed to refund the last charge of £30-00, and actually said she had done it in my presence, but when I checked the following week she hadn't. I have held an Abbey account for over ten years without going overdrawn. It is only the last few months that I have had this proble, and Abbey have charged me a total of £210-00 for the princely sum of £22-00. I would like tyo take action, but am worried that they will immediately recind my graduate overdraft, and I am not in a position at present to repay this amount immediately. Can anyone give me some advice. Thanks

Heyjude

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

You did post it in a thread called Graduate account. It has had some replies.

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

You did post it in a thread called Graduate account. It has had some replies.

Link to post
Share on other sites
heyjude

heyjude

Posted
  • Author
Posted

Thanks for the replies,

 

As you can see I have learned to use the paragraph return key.

 

In reply to your question Dave, no MY overdraft does not exceed the amount taken in the last six years. In fact I have my statements since 1994!!, and it is only since changing to a student account that I have had an overdraft, and only in the last few months that the limit has been exceeded.

Heyjude

Link to post
Share on other sites
leehughes

leehughes

Posted
Posted

Overdraft does not EXCEED amount of charges???

 

Confusing cos you then imply that charges are low cos they are only in the last few months!!!

 

Correct me if I am wrong but that is how I read it!

 

Regards

Just another 21 Banks to go......

Link to post
Share on other sites
heyjude

heyjude

Posted
  • Author
Posted

I have a graduate agreed overdraft of £16000. I exceeded this accidentaly by a small amount due to a standing order going out earlier than normal. This started a range of charges and penalties totalling

£220-00 in the past five/six months.

 

I dont think I implied that the charges were low. In fact I think the charges are absolute extortion.

 

However, I realise not as high as some peoples on this site who have been overcharged for a number of years.

 

Does this clarify matters. Thanks for your response

Heyjude

Link to post
Share on other sites
Tahgrant00

Tahgrant00

Posted
Posted

Hi Heyjude,

 

I am in the same position as you.

 

I have an Abbey National students account, and last month I went over my overdraft limit (£1,250) by under £20, therefore occuring the £30 penalties.

 

When my wages were paid in this month they took it all in charges, leaving me once again over my overdaft limit, when i called abbey, I waas told that there is a pending charge of £260 due on the 26th March, which will once again put me over my O/D limit.

 

I am a student working part-time, I feel like there is no way out, like im just working to pay the banks fees......

Link to post
Share on other sites
heyjude

heyjude

Posted
  • Author
Posted

Hi Tash, I sympathise there seems to be no way out other than being able to pay in quite a substantial amount.

 

I think Ill take previous advice i.e pay off the overdraft as soon as poss and go for the jugular. I already have another bank account

 

 

 

Merged threads, please keep to the same one.

Heyjude

Link to post
Share on other sites
  • 13 years later...
heyjude

heyjude

Posted
  • Author
Posted

This topic was closed on 03/05/19.

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 their.

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

Heyjude

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1887 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

Guest
This topic is now closed to further replies.
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...