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


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    • aesmith
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By aesmith · Posted

      Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
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      Ovo Energy Bill is way too high - faulty smart meter

      By aesmith · Posted

      It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #2 - MBNA CC

      By Badtimes123 · Posted

      To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...

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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.

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

Overdraft and Abbey fees

pollyd

By pollyd
in Santander

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pollyd

pollyd

Posted
Posted

I am in overdraft (authorized) with Abbey of £1500. Over the past 14months I have been charged around £1000 in fees for unpaid direct debits and direct debits that were paid when there were "insufficient funds in my account"

 

I would like to claim my fees back from Abbey as I suspect that the fees over the years will amount to more than I owe in overdraft. Am I right in thinking that I would have to pay back my overdraft before I could make any claim for a refund of Abbey's charges? If this is the case then I am stuck because I do not have £1500 to pay off my overdraft.

 

Thank you

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jannercobbler

jannercobbler

Posted
Posted

No you do not have to pay the overdraft back first. I'm in the same position and will use the reclaimed money to repay the overdaft.

If my posts have helped you please use the scales at the top of my posts :)

 

Any opinions from Jannercobbler are strictly my own and I have no affiliation with any group or services.

 

The two most beautiful words in the English Language are "Cheque Enclosed" - Dorothy Parker

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/399-abbey-letter-sent.html

 

Me v Abbey - £3000 + Int + Costs + Credit File Cleaned.

 

LBA Sent 12/3/06

Court Claim started - 31/5/2006

Allocation Questionnaire Filed - 24/7/06

Court Date allocated 31/10/2006

 

Me v Citi-Cards - CCA Sent 27/07/06

Me v Citi-Cards - Data Protection Act Sent 03/08/06

Me v Capital One - Data Protection Act Sent 03/08/06

Me v Hillesden Securities - CCA Sent 03/08/06

Me v Hillesden Securities - DPA Sent 03/08/06

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BankFodder

BankFodder

Posted
Posted

There you are, that's your answer. Where did you get that idea anyway?

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gazza

gazza

Posted
Posted

I am in a similar situation, making a claim, but have an overdraft.

I guess if they decide to close my acount(s), that would include wanting all the agreed overdraft money back?

If so, would it be reasonable to delay on paying it back (I would have to!) while waiting for bank charges to be refunded- would one hinder the other (I think I can guess the answer :roll: )?

Catch 22....

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Seminole

Seminole

Posted
Posted

You should be aware that Abbey may play a very nasty trick on you in this situation. All their overdrafts are subject to periodic (usually annual) review. If you have incurred lots of charges, they will probably pull the overdraft at some stage. They then start charging you the unauthorised overdraft interest rate as well as bouncing any transactions until you are able to cancel them.

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pollyd

pollyd

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  • Author
Posted

Thank you all for your input.

 

I have opened a basic bank account elsehwere and arranged to have my salary paid into it so that Abbey cannot take my money for the overdraft and leave my mortgage and other essentials unpaid.

 

I just assumed (perhaps wrongly?) that I would be threatened with legal action from Abbey and that I would have to pay all my overdraft back.

 

I tried to cancel a direct debit today, but the kind Abbey had already paid it , even though I did not have the money in my account. They have charged me another fifty quid for their kindness. And so I am now over my authorized overdraft.

 

But what do I do now? Should I wait for Abbey to send me a letter telling me that I owe them £1500 and more? Or do I send them a letter saying that I want them to refund my charges?

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BankFodder

BankFodder

Posted
Posted

If oyu know what they owe you then aned the the preliminary letter.

If you don't then you should certainly start off with the DPA letter.

 

If it is getting out of hand too quickly then send the DPA letter and send a letter before action for the mount which you do know. Explain in that letter that you are giving them a short dealine becuase they are worsening the situation so rapidly that you feel that you have no other option.

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pollyd

pollyd

Posted
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Posted

I asked the lady in telephone banking if I could have my statements for the past five years. She said ok, no problem, but it will take up to six weeks because the details are held on their database.

 

Have I done the right thing in arranging my salary to be paid elsewhere, leaving nothing in my Abbey account? Or should I pay some money into Abbey to keep me within my authorized overdraft?

 

I find the thought of the Abbey big guns scarey. I am a nurse and have kind of got used to being squashed by people who hold the purse strings.

 

Ding ding round two? Or should I just give up and pay up?

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BankFodder

BankFodder

Posted
Posted

There is no point in makng the situati0n worse unnecesarily.

 

Keep your situation with the Abbey under control. Your parachute account is only in case they pulll the plug. It isn't clear yet that they will.

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  • 13 years later...
pollyd

pollyd

Posted
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This topic was closed on 03/06/19.

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

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