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    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
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callum.golding

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Hi there,

 

I am about to send in a SAR. I had an Advantage Gold just before Christmas but now have just a current account. I have received charges while on both of these types of accounts. Will the charges be dealt with separatley or all as one.

 

Thanks alot


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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If the account number is the same, then you have to treat it as the same account. Otherwise, treat as separate accounts.

 

However, if the account numbers are different, you could list the numbers within the same SAR letter if the accounts belong to the same person.

 

Send your request by RECORDED delivery.

 

GOod luck.

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Just what I needed to know. Great help thanks bennyowen


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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While you're waiting on your statements, Callum, have a read of Nattie's post about Adv Gold. You may need to separate the (unclaimable) monthly fee from the charges.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

Good luck, keep us all posted.

 

OB :)


Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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I'm still awaiting statements. They do like to take their time dont they!!!

Good news is I won against Barclays yesterday!!!!! Hooray.......


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Guest NATTIE

Sorry i picked this one late, with an advatage gold account when it is converted, apart from the type of account you have, nothing else changes so account number would be the same. SAR is 40 days max so we could be going overtime with this.

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Hi all,

 

I got my statements today. I've gone through and calculated £1,328. I am a bit confused, on the statements it will say above almost every charge, Interest - then an amount usualy in the £5.00 region. I haven't been adding this amount on, should I, and if so do I just add it to the amount of the charge below it.

 

Hope this makes sense

 

Callum


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Hi Callum, if i'm reading your post correctly - I'd assume the interest is what you're being charged for going overdraw/over your overdraft. If this is the case, you need to download one of the interest calculation spreadsheets if you'd like to claim this back. Basically, you can claim back the interest on the charges only - not the interest for any agreed overdraft that you may have. It's complicated to work out - but worthwhile if it's a few extra quid! Good luck, hedgey xxx:p


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Hi Guys,

 

Slightly annoying but yesterday I sent off my LBA. Guess what? ....I get home and check my post and I recieved a letter from Natwest! Sods Law!!!

 

Anyway I'm quite concerned now as the opening line to the LBA is " I am very disappointed you have failed to respond to my letter dated 1st May 2007"

 

There letter says

 

"Thank you for your recent letter regarding the fees applied to the account. We are currently considering your claim. Given the work involved in assesing your claim we anticipate that we will be in a position to respond within 6-7 weeks, but will endeavour to do so sooner if we are able"

 

Should I write another letter and address it to the guy from Natwest explaining I've sent a letter with a 14 day deadline before filling a court case, or should I just leave it as it is and just start counting down the 14 days.

 

Thanks alot

 

C


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Callum

 

You are too generous. Simply ignore their letter. They will receive your 14 days deadline on your LBA. Let them worry about it. The idea of 6-7 weeks of investigating your claim is a fob off.

 

Prepare for your court action after 14 days, waiting for 7 weeks is not recommended. That is their formula to delay things as much as possible.

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I love the way they try and delay things. I think they think we will suddenly give in.

 

I actually went all the way with Barclays and it got to the sending off of the court bundle stage until they emailed me with a settlement, so I know how much they love to hold out!!!

 

I'm doing this for a friend but he does not really want to go to the court stage unfortunalely as he cannot afford the fees although you get them back. I've tried persuading him but he'd like to just take the offer (if they give one that is). I wonder how many people have done the same and the banks are laughing by getting away with only giving half the money back!!!!


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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It doesn't matter if your friend can't afford to file at court straight away, he can wait till he's got the money to do it, I'm in the same position myself. He can always file later on. A lot of people are having to wait the 8 weeks out for the same reason. Sometimes Natwest are coming up with full amount offers, he might be lucky.

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I love the way they try and delay things. I think they think we will suddenly give in.

 

 

Obviously thewy don't read this site or they'd know with what respect they are viewed!!

 

Steven

 

If this post is helpful, please click the scales


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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No time for reading with all our claims were firing at them!!!!


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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No time for reading with all our claims were firing at them!!!!


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Apologies for not responding to this thread and updating.....This was won in full shortly after the LBA was sent

 

THANKS for all help & advice!!!!!!!! Two Succesful claims to my name so far....and about to begin the third

 

Thanks again


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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Well Done Callum

 

CONGRATULATIONS!


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Congratulations


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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THANKS AGAIN....nice & easy in comparison to one week before Court-date-backdown like Barclays!!!!!


Won** Barclays claim-in FULL

1 week before court date

26th March 2007

Won ** Natwest claim-in FULL

After LBA

12th July 2007

...starting Alliance & Leicester claim

24th September 2007

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