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    • Homer did say not to contact DR+.   If that's all the paperwork you have, sit tight and see if a letter before claim/action turns up. If you get one - and you may not, come back here and we'll help you to write back.    Or if you get more threatograms, let us know and we'll let you know if you need to take any action. In the meantime don't write to anyone and keep any correspondence for now.    HB
    • Hi DX   That is the only info letter I have we can't locate the first letter or original parking fine notification My wife said there wasn't  anything on the car windscreen. Do I ask the DC for the original notification ?   what shall I do just wait until they pursue through court ?   apologies for lack of info  Cancookwill
    • Hello, I've been following this thread and have some experience to share... Stand by for lots of words.   About 6 weeks ago, the engine seized on my car - 10 days before planning to use it for our 2 week trip around the UK!  I searched the internet for companies who could replace/rebuild the engine and get it back to me in time... One company that came up was 169 UK. I called the number and explained my predicament and the chap on the phone (who called himself Lee - I'm not convinced this was his real name) promised that if the vehicle got to him the next day or so, he'd have it done in time for our holiday!. He gave all kinds of reassurances about the types of vehicles they work on, from Porsches etc, even people from Spain taking their cars to him.. All work came through 3rd party websites (how i'd found them too) so you generally wont find reviews.    I was weary going into this, but you got to put your faith somewhere, right? so off it went on a trailer to Essex. NOW... I'd already asked where it would be going and I also tracked it by leaving a mobile phone hidden in the car. Interestingly, the place i was told i'd be collecting it from was not the same place the recovery guy (called Patrick?) told me he was delivering it to..    Anyway, they get the car and straight away tell me that the sump is full of diesel and that my ECU is faulty and its locked open one bank of injectors - causing the failure. All of this is feasible, but it meant that the car would not be ready in time for my holiday  He also tells me the DPF's (i'm sure it only has one, but he referred to there being more) were also completely blocked solid and needed to be dealt with (in this case, drilled and mapped out - which is also illegal) All of these little extras have now taken the cost from £3500 to nearly £5000  - as he was " putting together a special package for me" I tell him ok, i'm now away for 2 weeks so you have a little more time, i'll collect it when i get back.  I call him on the Friday before we travel home, asking how its going... he says "well, we aven't done it.. you said you were gonna be away for 2 weeks" apparently he marked to dairy wrong. So i call him again on the Monday following, I say I want to collect it that Thursday... not unreasonable. He then starts with the excuses that he has loads of guys off sick at the moment etc.. BUT, The car IS in the workshop and the boys ARE getting on with it. I say, OK.. but keep me updated daily as i need to make arrangements to come and get it. Tuesday passes without a word, so Wednesday morning i txt him asking for an update. He called me back around and hour later to tell me that the ECU they sourced for me is also faulty (they tested it before fitting it as they're nice like that) and it has water damage so he has to get another one, but that isn't going to get to him until the following Tuesday - which brings us up to this week.   Everything up until this point has been feasible if not a little annoying, BUT here is where is gets good...  On Sunday i happened to be in Essex on other business so decided to swing by Basildon and see if i could find my car. Knowing where it had been dropped off before the tracking phone died, i had a good idea where to look. And i also had the address of the garage where i'd be picking it up from. Hoping to not find it too easily - after all, it was being worked on on the Monday; Imagine my surprise to find it in the exact location it had been dropped off 4 weeks previously!  I lifted the bonnet - nothing had been touched.  The amount of dust on the bodywork and distinct lack of any hand prints etc strongly indicated that nothing had been touched and it certainly hadn't been moved in all that time. He may well have taken the ECU out to test but put it back, that's easy to do - but there is now way to tell from there that the DPF is blocked without removing it, or having full access to the ECU - which is faulty, remember?  It had all been LIES.  Now i am annoyed, but informed and he doesn't know that i know he's been lying to me.  I spent the next couple of days talking to various people i know and arranged my own recovery to get the car back - even if that meant effectively stealing it back. Long story short, i had it collected and got it back to me last night.  The guy who collected it went to the garage i'd been told i'd be collecting it from - Unit 28 Noble Square( Essex car and Commercial) and asked for Lee... Low and behold no-one by that name works there and the car (and others parked in the same place) were nothing to do with them! but then one guy did say "oh hang on, i think i know who you mean, let me give him a call"... 10 minutes later, 'Lee' showed up.  My man then had to endure conversation with this charlatan, but did glean some information that might be of interest.  "LEE" doesn't directly do any of this work... he takes on jobs, maybe up to 30 at a time and then farms them out to local garages. This explains why nothing had been done and why so many others get stuck in this net.   I was surprised that he was calm and didn't get the hump about me taking the car back, i still don't really understand what the scam is, but there definitely is one.  I think i've been very lucky that no money has been paid, i owe him nothing and i got out of there.  The amount of mental anguish and anxiety this has caused me has been extreme.  Now i'm back to square one, still with a broken car. But i'm only £500 out of pocket (for the recovery each way) and not £5k that it was supposedly going to cost... at some point, who knows when!     
    • Good luck from me as well Dixon, fingers crossed.    HB
    • Last time, the Judge provided me with, I would say, the most amount of time to speak. She started with HMRC, and they moved on to me. Essentially, since HMRC last responded to me (the original document I scribbled notes on), I feel it's right I should go first and just comment on each of their responses.   I'll leave sending that link to them, just in case HMRC then find something against it. I'll just bring it up, and mention the above quotes.
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Claiming on a Business account? Lets join forces?


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Hi all,

 

Off topic, but here's a little freebie tip for you all.

 

If your sick of junkmail, or you want to protect yourself from unscrupulous people getting hold of your details, and/or be able to trace how certain organisations got hold of your info, then use this tip.

 

When you fill in anything with personal details; address, email, phone etc, then give yourself an extra middle initial.

eg; If your name is John Smith, put down John B Smith.

Unless, it's something official or related to a financial product, then doing so is perfectly fine.

Then when you suddenly start recieving loads of junk mail, addressed to John B Smith, you will know where they got hold of your details, and be able to do something about it.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I had quite forgotten that I had asked the OFT the following question way back in July!

 

Can you please confirm that, as the test case specifically refers to ‘the UK Consumer’, ‘personal current accounts’ and ‘UTCCRs’, the case will not extend to cover business accounts?

 

This morning I received a reply:

 

Thank you for your email of 27 July regarding your query. I am sorry for the delayed response.

I can confirm that the UTCCRs only apply to consumer bank accounts and not to business accounts. The regulations implement an EC Directive on unfair contract terms and apply to standard terms in contracts between businesses and consumers. Under the Regulations unfair terms are not binding on the consumer. They provide that a contractual term, which has not been individually negotiated, shall be regarded as unfair if contrary to the requirement of good faith it causes a significant imbalance in the parties' rights and obligations arising under the contract to the detriment of the consumer.

 

Els

 

 

Could you please PM me the letter from the OFT? Also do you know which EC directive they are referring to and where I could get a copy.

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Could you please PM me the letter from the OFT?

 

Done by email

 

Also do you know which EC directive they are referring to and where I could get a copy.

 

No, but someone on here will be able to tell you:)

 

Els

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BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Directive 93/13 I think is the one.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Actually I have read this for the first time and bearing in mind that UK law has to comply with EC directives it is pretty forthright about many of the issues we are encountering on here.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Just thought you might all like these quotes I've found :

 

 

 

"It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning." - Henry Ford

 

 

 

"The few who understand the system, will either be so interested in its profits, or so dependent on its favors that there will be no opposition from that class, while on the other hand, the great body of people, mentally incapable of comprehending the tremendous advantages...will bear its burden without complaint, and perhaps without suspecting that the system is inimical to their best interests." - Rothschild Brothers of London, communiqué to associates in New York June 25, 1863

 

 

"If you want to be slaves of bankers and pay the cost of your own slavery, then let the bankers control money and control credit.” — Sir Josiah Stamp, Director, Bank of England, 1940

 

 

"History records that the money changers have used every form of abuse, intrigue, deceit, and violent means possible to maintain their control over governments by controlling the money and its issuance." - James Madison, 4th US President

 

 

"Let me issue and control a nation's money and I care not who writes the laws." - Mayer Amschel Rothschild, 1790

 

 

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I've noticed that a lot of consumer account claims are being subject to stays as quite the norm now.

 

I'm wondering how Business account claims are fairing?

 

Are they too being routinely stayed, despite all the good reason not to be ?

 

Could anyone claiming on a business account, please post here whether or not they have been subjected to applications for stays, or had stays proposed by the courts?

Could you also please let us know whether you appealed, and what the outcome was?

It would be interesting and useful to build up a picture of what the general state of play is regards Business account claims.

 

PM

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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This is my

 

1000th post !!

 

....... I need to get out more !! :o

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All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I would not worry about getting out, weather too miserable.

 

Depends where you are Guido. It's grand oop 'ere today!

 

Just to echo Andrew's comments, this thread has become a valuable and influential resource for all us business claimants. More power to your elbow PM!

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Natwest have responded to our recent letter saying they will aim to respond within 4 weeks - they did not dismiss it as I was expecting;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi BLn, I've PMd you

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Could try the Co-operative bank. That's where I have my business account and they have been good enough for my business. They also give free banking for Federation of small Business (FSB) members (which only costs £70 or £75 a year which gives you free legal help line too 24/7 for staff and family) so worth having on both counts.

 

Unless you were looking for an overdraft facility your credit rating, so long as you have some relatively good reasons behind it, shouldn't cause you too much grief in getting an account.

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Hi all,

recieved a letter from the court this morning, hearing to lift stay on 25th Oct, for my claim against the Co-operative Business Bank, have'nt been posting much lately or keeping up with things so better get my act together..Gc

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:???: My head hurts:???:

 

Been looking for a copy of a SAR i can send to HSBC regards a business account (sole trader), have read on here that i cant include certain terms so getting a little confused.

 

Does anyone have a copy of these letters i can use or adapt to suit our situation?

 

All we want to do is try and get some of their charges removed so that we can clear the overdraft (the one they put us in without even requesting one). since then they are charging approx £180 per month just in interest and fees. I know we cant claim the account handling fees but hey thats small compared to the rest they are trying to get away with.

 

Any help would be greatly appreciated and greatly recieved

 

I am really sorry if this has been answered elsewhere on the forum, but i just cant seem to see it.

 

Sytra

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SAR does not apply to business claims, only consumer, but I would have a try with it.

 

Have a look here at some of the different methods I used to obtain statements on a business account.

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:???: My head hurts:???:

 

Been looking for a copy of a S.A.R - (Subject Access Request) i can send to HSBC regards a business account (sole trader), have read on here that i cant include certain terms so getting a little confused.

 

Does anyone have a copy of these letters i can use or adapt to suit our situation?

 

All we want to do is try and get some of their charges removed so that we can clear the overdraft (the one they put us in without even requesting one). since then they are charging approx £180 per month just in interest and fees. I know we cant claim the account handling fees but hey thats small compared to the rest they are trying to get away with.

 

Any help would be greatly appreciated and greatly recieved

 

I am really sorry if this has been answered elsewhere on the forum, but i just cant seem to see it.

 

Sytra

 

Is it actually the S.A.R - (Subject Access Request) that your on about here?

I know all the abbreviations can be a bit confusing, so for clarification, the S.A.R - (Subject Access Request) is a preliminary letter most people send to their banks demanding either a list of charges or copies of statements as is their right as consumers under the Data Protection Act.

Whether or not it applies to Sole Traders is a grey area, and has been the subject of much debate (ie; the act does not cover Business' such as Ltd co's etc, but as a sole trader, it's debatable.... so perhaps as GuidoT says, worth a try if you don't have everything)?

As a Business, you really ought to have held onto this stuff for acounting and tax purposes etc anyhow? If you don't have it to hand, maybe your acountant or bookkeeper does ?

It is when you progress onto the the actual claim stage that you need take more care. This is when you will compose and file something called a Particulars of Claim (POC).

You need to ensure that you do not attempt to quote or base your claim upon any consumer statutes or law (for example, the UTCCR99; which is the Unfair Terms in Consumer Contracts Regulations 1999), as this only applies to consumers and not to business'.

If you have not done so already, then read the general step by step guides, and get familiar with the whole process. The guides are useful, but you will need to amend the standard CAG POC for something like the one that has been posted on this thread several times.

So that is another job for you.

To read this thread (I know it's long, but it's full of useful stuff) and get familiar with the principles and differences regards Business claims.

And your final task, is to start a thread of your own, so that you and others can keep track of your progress without it getting mixed up with others.

Go to the Forum for your bank, and under the option that says thread tools is the option to start a thread (I suggest you put Business somewhere in the title so people know it's a Business claim, and don't start giving you advice relevent only to consumers)

 

You are welcome once you have started a thread to copy and paste the link into a post on this thread (go to the web address at the top of your browser, highlight it, right click your mouse and click copy, then come back here and paste it into a post, again paste is a right click option)

 

 

Good luck

 

PM

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All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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