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    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stop your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about theft. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
    • Officials at the Federal Reserve are expected to hold off on any interest rate cuts this month.View the full article
    • I appreciate any help on this. I got 2 different speeding tickets and I'm hoping I can get one of them canceled as it's for the exact same road, 2 days back to back. The limit was 40mph, but I honestly thought it was 50mph and so I was driving withing that limit... First time driving that road. No other points ever on my driving lisence if that matters. Any advice for the appeal please? DETAILS: AF57ONB 0013032393514620 - 209266 0013032398514320 - 748169
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Small Amounts


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I have my statements going back 4 years and have been charged by Abbey a total of only £160, I suspect there maybe another £100 or so in the couple of years before that. I know the money is better in my pocket than theirs, but (from expereince) can anyone tell me if such a small claim is worthwhile given the work involved? It seems most people are claiming thousands!!

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Guest louis wu

Its not that much work involved.

 

Let me turn the question you posed around. If Abbey 'TOOK' £160 from your account today, without reson, would you try to get it back? I suspect yes. Please don't be put off by the large amounts people talk about, any amount they owe you (and I mean OWE) is worth claiming back.

 

The process takes a while, and can appear complicated, but its quite logical really. Plus, at the end, you will have the satisfaction of knowing that you won. Plus, do you know anyone else with charges, do this for yourself, and then you'll help others that you know do the same.

 

I would definately claim it back.

 

Louis

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Thanks Louis, you are quite right - just daunting when you read about court bundles etc!! I think I will push ahead - nothing to lose and a couple of hundred quid to gain!:)

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£160 and the interest at contractual rate = alot more over 4 years.

 

Good luck with your claim. You came to the right place for help and motivation.

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

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Guest louis wu

Well said.

 

You will never be alone in this.

 

We have all felt daunted about taking on the bank, but it's a well established proceedure now.

 

Personally, I would ask for a full set of statements from Abbey, using the SAR's request letter

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

and then whilst you are waiting for those to turn up have another read of this

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

just to refresh yourself with the process.

 

 

Any problem, post them here and you'll get all the support you need. I will keep an eye on things if you want, and you can PM me if you get really stuck/confused.

 

Best of luck

 

Louis

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The more poeple that claim back THEIR money the better, no matter how small amount. Once the banks realize that us people aren't going to put up with these charges then it might force them to change their ways.

 

I'm glad you've decided to go for it.....

Good luck.....

Just keep reading and reading and slowly it all comes together and you pick-up some good knowledge along tthe way!

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I have done my SAR letter (and will be sending it recorded this lunchtime) asking for the past 6 years statements. Rightly or wrongly I have combined that letter with a request for an immediate refund of the charges I know about (i.e. the £160 back to 2004). I will keep you informed and thanks for the advice and reassurance. Next I will be tackling Northern Rock over admin fees!!

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Guest louis wu

Murada,

 

just a word of caution.

 

DONT send the request for charges you know about. Keep to one simple claim, even if it means a bit of a delay.

 

The simpler you keep it the better for later, especially with interest etc.

 

Just my opinion, but worth considering

 

Louis

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