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    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
    • UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information.   I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me).   Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID.    I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud  dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account."   Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go".  & then asking me to kindly underwrite their own stupidity.   I have also just received this by email:   Hi Gavin   Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.     I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.     Thank you once again for contacting me.     Kind regards     Debbie    Debbie Crosbie CEO, TSB         
    • Many thanks for this alternative advice tomtom   Andy
    • You can do it now. I have saved evidence that it was their mistake, so even if the letters arrive it won't come to nothing
  • 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
        • Like
      • 0 replies
maddyrose1664

I've been charged £420 today!!!!!

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Absolute b*****ds! That's me well and truly screwd this month then. It's too late to get my wages paid into another account. Takes my total owed by Nationwide to over £1200 - since September last year. Can't take them to court yet cos I've got no money. Great!

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£420 in charges :eek:- is that for the month just gone??? Did they pay your DD's etc or are they all gonna come bouncing back incurring more charges?

 

Mike


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Guest Lueeze

Surely they have a maximum limit they can charge you each month?

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hi they've just done the same to me £445.11 will be deducted from my account in 28 days time

they bounced everything i brought on ebay!!!! PETTY!!!!

 

maybe it's because i've already filed a claim???

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And me £320 mainly due to DDs. Unfortunately my wife was on SSP for two months due to a work related accident and her wages dropped to £60 per week. Plus getting done £110 last month for bounced DDs. We are just getting back on our feet and now £320 off my account at the end of the month which means more DDs may bounce due to insufficient funds. A right merry go round! Luckily everything is paid up to date so at present there are no arrears, but next month may be a different story.

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They are a complete nightmare aren't they? I'm in the poo anyway but they've made things 100 times worse for me now. Hopefully the Halifax will pay up soon and that will relieve some of the tension.

 

BTW the charges are for them not paying my DD's so more charges to follow I expect. Joy.

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Do not forget that it does not matter how the breach occured.

It is still your money.

Get it back.

Dave

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Not being funny, but they charged me over £800 in one month! My wife has a maximum on her account with HSBC of £100.00 in charges. They are absolute B*****ds. Every sympathy with you. You have to live and put food on the table! There is no human side to banking any more, only something that rhymes with it!!!

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Don't forget you can cancel a direct debit or two, to prevent getting charges.

Then reinstate them the following month or so when your situation improves.

The bank do not charge to cancel or commence them.

And unless you cancel your mortgage payments, the company that that you cancel the d/d on, do not charge. Admitted you still owe them that months' payment, but yoy have avoided the swingeing bank charges. They won't have to wait too long to be repaid either if you claim all your charges back from the bank too.

  • Confused 1

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Hi There,

 

i had a similar problem this month in that £170 was due to be taken out of my account yesterday. when i recieved the statement at the beginning of May i wrote to the head office and asked them to not take out the charges because i couldn't afford it. they wrote back and said they would only take out £50 instead as a gesture of good will. as soon as you get the statement with the charges on write or go into your branch they can reduce the charges, this is the second time they have done it for me.

you have my sympathy i'm in the same vicious circle of unauthorised overdrafts and bank charges but i am going to fight, already sent the letter off to request the last six years charges, still waiting for reply. calculated this years though £600!!!

KEEP FIGHTING, THEY ARE THE ONES IN THE WRONG!!!!!!


oooeee

 

As a mathematics degree student i know their figures don't add up!!!! join the Revolution!!!

 

 

 

Nationwide Building society £1778.55 LBA sent 22.06.2006 Claim filed at Truro court 07/07/2006 for £1842.78 Acknowledgement recieved 19/07/2006 "intend to defend". £246.73 (interest on amount) paid into account 20/07/2006 Remaining £1595 paid into account 21/07/2006

Littlewoods catalogue looking into late charges. £80 of charges made phone call 16/07/2006 letter going out 21/07/2006

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I got a letter last Saturday saying that The Nationwide had paid all my charges back and stopped all the pending charges too. Problem is, they haven't! My account is still in the red!

 

Has this happened to anyone else?

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I got a letter saying my charges had been refunded, which they had, and also my £120 costs had been refunded, which they hadn't. Rand them today, they say it will be paid tomorrow, but I haven't stopped the court action yet and if it's not in my account tomorrow as they say, I will ring them again to remind them of that. Suggest you ring the name on the letter and query it. Good luck!


£949.54 reclaimed from Nationwide June 06

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I had the same thing but this went on for a few years.Anything upto £120 quid a week, mainly returned direct debits. When things start to spiral there is no stopping them. I was a single man trying to keep a house together for my son who comes to stay at weekends and occasional weekdays. After four years of scraping and borrowing to keep my head above water, I had no choice but to move back to my parents house.

 

This obviously wasn't very good as I am a 35 year old with a 13 year old boy in tow.

Nationwide well and truly screwed me over........

 

NOW ITS PAYBACK TIME ! ! ! ! ! ! !

 

1st letter sent Nationwide 18th june


Abbey National Data Protection Act Letter sent 26/6/06

reply 5/7/16 "wants proof of identity":confused:

 

Nationwide Data Protection Act letter sent 16/6/06

Reply 24/6/06 "statements to follow":shock:

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Best of luck to you :) Go get the bastards

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Hoorah. Victory once more!!!

 

2 down, 7 more to go!

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After getting my charges refunded from Nationwide, they have, without warning, withdrawn our overdraft facility. How childish! Of course,we can't afford to pay it back (£831.48) in one go. They have sent loads of nasty letters but this one is hilarious.

 

Dear Mr & Mrs Maddyrose1664,

 

I'm disappointed that your account remains seriously in arrears and I can't allow this to continue.

 

You must contact me within the next seven days with an acceptable offer to repay the outstanding balance. If you don't, I'll refer your account to a debt collection agency.

 

Blimey, don't beat around the bush will you?!! How rude is that?

 

I've offered them £1 - same as all my other creditors.

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Did they never close your account down then? You must have been one of the first to get your charges back and therefore escape account termination.


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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After getting my charges refunded from Nationwide, they have, without warning, withdrawn our overdraft facility. How childish! Of course,we can't afford to pay it back (£831.48) in one go. They have sent loads of nasty letters but this one is hilarious.

 

Dear Mr & Mrs Maddyrose1664,

 

I'm disappointed that your account remains seriously in arrears and I can't allow this to continue.

 

You must contact me within the next seven days with an acceptable offer to repay the outstanding balance. If you don't, I'll refer your account to a debt collection agency.

 

Blimey, don't beat around the bush will you?!! How rude is that?

 

I've offered them £1 - same as all my other creditors.

 

I asked them for an OD extension once and they withdrew my entire 1000 pound overdraft in order to help me with my finances! (Not sure how this was meant to help, I was already penniless)

 

I set up a reducing overdraft with them and paid them a small amount back each month, have you suggested this to them? :)


Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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This topic was closed on 10 March 2019.

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 there.

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

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