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    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
    • Rwandans claim asylum in Oz. Rwandans arrive in Australia after perilous journey to claim asylum | Immigration and asylum | The Guardian WWW.THEGUARDIAN.COM Hunters reportedly find five Rwandan men in mangroves on Saibai Island, a known crocodile habitat  
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      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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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lordi234vNat West**WON**


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hello today i have received my last bank statements for 5 years,now the £5 ive been charged as gone over my overdraft i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.

now do i pay this £28 or just leave it. its my first time on the forum so i need info about reclaiming i am reading other reviews.

 

i had a credit card with Nat West it went to a debt collector Moorcroft and i dont know the charges ect so how do i reclaim when it goes to moorcroft.i only get statements for cccs.

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hello today i have received my last bank statements for 5 years,now the £5 ive been charged as gone over my overdraft i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.

now do i pay this £28 or just leave it. its my first time on the forum so i need info about reclaiming i am reading other reviews.

 

Ok you can reclaim that £28 and also the £5 they charged for the statements. You need to spend some time reading I suggest you start with the FAQs and the step by step instructions this will give you a sound knowledge of the process. Also read some success threads in your bank forum. There are links in my signature.

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last week i went into my local branch i asked for my last 5 year of statements which i was charged £5.

 

anyway at that time i sent a letter requesting a list of charges ,now they have sent me a letter saying in order for us to progress this request please send the fee for £5 basically what do i do ive got them from my local branch!!!

ive added all my charges up so whats the next stage thank you.

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your next stage is the time consuming bit, adding up all the charges and coming to a total. Once you do you are onto the preliminary approach for repayment letter, you should make a schedule of charges ie date order, charge and amount which you will need to send with the prelim. Make sure YOU keep a copy of it as well, you may need it later on in the process.

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ive got a question need advice ive been paying NWB £7 monthly via ccs now can i reclaim that back with my charges and intrest ,and will i have to pay the overdraft off aswell . thanks advice much appreciated.

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I am aware of a few cases (not just bank charges cases) where recorded delivery was not reimbursed. Judges felt that the system deems a letter delivered within 2 days o posting, and that it is not necessary, and is therefore not a reclaimable cost.

 

Having said that, no harm in including it, and see whether they'll try to argue it or not.

 

Incidentally, you do not need recorded delivery. Go to PO, and obtain a certificate of posting. These are free (bonus!), and prove that you sent the letter (not that it arrived), which is all you need to concern yourself with. ;-)

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  • 2 weeks later...

well i added up all my charges ect sent prem on 5 march i didnt send it recorded is that a bad thing??

also i am being charged whilst prem is being dealt with im not going to pay them £28 or late fees.

so basically what do i do 22 march is the last day for them to reply.

 

thanks lordi

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Typical I'd say!!

 

Maybe someone with more experience can give better advice but I'd suggest sending your LBA on 22nd March and include the new charges (perhaps making reference to same in the letter, e.g. "I note since my letter dated xx/xx/xx you have applied futher charges to my account and as such my claim now amounts £xxx.xx as per the amended schedule as attached hereto").

 

Have a read through the forums, I've read somewhere that extra charges can be added on up until court time so you should be fine!

 

Laura

Natwest Bank Plc owe me £1,227.48

06/03/07 - Prelim Sent

16/03/07 - Claim authorised, in full, via telephone...

28/03/07 - Full offer received in writing - YAY

29/03/07 - Offer accepted!

 

Bank of Scotland Mastercard owe me £497.00

11/03/07 - Complaint telephone call logged

29/03/07 - 50% offer received...

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Laura d is correct you can include all new charges taken from your account up to entering claim in court.

 

good luck dpick:x

 

I have just run spell checker on this posting for your Lordi234VNat it came up with "ordinate". Think the spell checker could be with you as well

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yes thats what ive done.theyre consantly putting on charges £88 this week alone! but after i had put my N1 into court.but previously id added other charges on telling them that since the previous letter additional charges have been applied so now the amount in question was different to originally asked and sent in a new list of charges too

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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