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    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
    • So I received a further letter and a phone call from Ruthbridge yesterday offering a 70% discount and through a lot of waffle go on to say verbatim (I hung up the phone without admitting who I am):   "If you fail to contact us... we may return the account to our client (cabot?) who may look at alternative activity"   I'm guessing they know it's SB then as there is no reference to court, however they do state that the credit reference agencies will be updated to reflect "partially settled" should I take advantage of their offer - there is no HSBC/Cabot/Ruthbridge account showing on any of my credit reports.   DX apologies if you take it as I am being difficult or dim, however I remain concerned that the CCA request does not contain the words "I do not acknowledge any debt" or similar and because only a debtor can apply for the CCA (as I'm led to believe) then sending for this in 2015 has reset the date of acknowledgement of the debt - has this ever been used by a DCA as an acknowledgement of the debt?   Furthermore with the 2015 letters and 2020 letter having completely different amounts allegedly owed and reference numbers that differ from the original letters from Cabot and the CCA supplied back in 2016 this is giving me a further level of concern over the best course of action.
    • Hi everyone   Just want to say hello as a new member. Looking forward to reading, learning and hopefully participating in the forum.   C
    • Hi. Yes I want to keep the vehicle. I shall get my head around the upload procedure.   Thank you   Cheers
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Odd Fellow

It's only £30, but I want it Back! ***WON***

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Brennan is back in court on 21st May at 10.30am

 

That day can't come quick enough. Good luck to him.


Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00

Abbey - Won Charges Refund of £1050 - Nov 06

Egg - Recovered £220 due to Customer Services misinformation - Feb 2007

Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.

 

Please check out my web site www.BankChargesScandal.co.uk for Research, Useful links and my story.

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It's all over.

 

Nat West has given up the fight stating in a letter that although it believes the "particulars of the claim disclose no reasonable grounds or course of action against the bank" it will settle the claim as it is not "commercially viable or cost effective for the bank to defend".

 

This letter was attached to a cheque for a £128.32.

 

However, it also put in a gagging clause. That was removed when I telephoned the bank telling it that I did not accept the terms of settlement.

 

It really is quite absurd that these banks can continue to do this without their shareholders getting quite ****ed off. If it had paid up the £30 that I requested rather than wasting its time (and undoubtedly, its money) then it wouldn't have cost almost £100 more.

 

Still, I guess £100 is nothing to Nat West.... But £100 x 1000 claims (or more) surely can't be ignored....


Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00

Abbey - Won Charges Refund of £1050 - Nov 06

Egg - Recovered £220 due to Customer Services misinformation - Feb 2007

Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.

 

Please check out my web site www.BankChargesScandal.co.uk for Research, Useful links and my story.

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Oooooooo mate, CONGRATULATIONS!!!! I honestly can't believe they let you take them to court for £30............... it beggars belief!!!! But at least you've got the cash back now - and good on yer for sticking to yer guns! Hedgey xxx :p


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Congratulations on you enduring marathon. I am holding a cheque now for £20,000 also delivered this morning. So we are both a great example to all you folk out there. Its your money taken unlawfully from your account and you have a legal right to claim it back. No claim to big or to small. ;) So what are you waiting for ?????


A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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£20k? WOW.

 

Good on ya. Invest it wisely.

 

 

Odd


Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00

Abbey - Won Charges Refund of £1050 - Nov 06

Egg - Recovered £220 due to Customer Services misinformation - Feb 2007

Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.

 

Please check out my web site www.BankChargesScandal.co.uk for Research, Useful links and my story.

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Thread moved to success forum.


 

 

 

 

 

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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umm hi, im not sure if this is a big thing but i think its worth me finding out.

 

i recentley used paypal without knowing i had little money in my account,

 

and have just realised that i went 6 pounds overdrawn and they have just charged me 28 pounds even though i got paid the next day after going overdrawn?. i have a natwest current account.

 

is there anything i can do to get that money back?

 

as im currentley on jobseekers allowance after losing my job and i have little money so 28pounds is alot to me at the moment?

 

thanks for any advice?

 

ta.

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