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    • as he informed them within 14 days he is entitled for everything to be refunded and everything cancelled.   is he doing this or keeping some of the order?   dx  
    • Thank you for your detailed reply.   i only contacted an installer, they didn’t come out to the property. They said that they could see from the online epc that it already had insulation.   yes we have the original epc, printed out from on line and I also have the original marketing brochure given to us by the estate agent with the epc also printed on it.   i will have a look at the link you posted. The assessor amended the epc tonight whilst I was talking to him and emailed me across the new one. I will check to see if this is now also online and overwritten the previous one.   the bungalow was built in 1988 going by the deeds.   the building society did a standard home buyers survey. I will see if I have the report.   what do you think.   the company is called cc - ltd which stands for complete certification ltd and is local to the estate agent. The date of the incorrect epc ties in with it being carried out when the bungalow was put on the market. The assessor is on their website as being a director 😱   I have put the new epc reference in the link as you suggested and the new epc that he amended tonight is already live and updates on the register.   I think I have all the evidence that there is to get tbh and with his own admission that a mistake was made would that not be enough for a good strong case ?   I have put the new epc reference in the link as you suggested and the new epc that he amended tonight is already live and updates on the register.   I think I have all the evidence that there is to get tbh and with his own admission that a mistake was made would that not be enough for a good strong case ?
    • Does your hot water run off solar panels? 
    • Hi   You mention you got a cavity installer out to to redo the walls and they stated they couldn't do it as you already had the cavity insulation. Do you have a written report from this company that states there is cavity installation?   Then you contacted the EPC Assessor directly and they stated an error had been made as none had been done. I assume you have a copy of the original EPC so I would (if you are in England or Wales) have a look at this link and enter certificate reference number to see if this EPC Assessor has actually amemded it to state none: https://www.epcregister.com/searchReport.html   I can understand your furstration but IMO with the EPC if you have a copy of the original and the Assessor has stated the error and they will amend the certificate IMO I would wait till the Assessor has amended/updated the EPC error (gives you more evidence of Maladministration by this Assessor)   Which Company was the Assessor employed by?   Ofgem link: https://www.ofgem.gov.uk/key-term-explained/energy-performance-certificate-epc   This link may help explain an EPC a bit better: https://energysavingtrust.org.uk/home-energy-efficiency/energy-performance-certificates   Do you know when the bungalow was actually built/how old it is?   When you were purchasing the property did you get employ your own surveyor to get a report on the property at all?   Their is going to be no fast resolution to this sadly but you need to gather evidence to be able to challenge the Estate Agent/Previous Property Owner.
    • My stepson took out credit with Klarna finance to the tune of £700 on the 3rd February   One of the parts ordered was a motherboard to go with some other pc parts that got delivered on the 10th February minus the motherboard.   He emailed ebuyer to be told a load of crap. there was an error on the system for that board and for some reason couldn't order another one so offered a refund. He argued that finance had already been agreed and £700 was paid to them so in effect they had the money for the board and it was saying that 10+ was available on their site.   After a couple of days and 7 enotes and a complaint on trust pilot it turns out they can't order a new board on the same account if one has already been ordered and failed it has to be refunded or paid for by another payment method.   they offered a refund or another board same price or cheaper but not the same one. he found one cheaper and asked for that - to be told he can't have it as it's coming from the same wharehouse. they wanted their technical team to advise on another board direct from they're shop but he said they don't have any that are 100% compatabile with what he bought to go with it.   he asked for a refund last thursday 13th February and chased this up on Monday 17th to be told it has been passed onto the refunds team and she will chase this up and will let him know when it's done.   Its friday 22nd now and still no news of a refund going back to Klarna and since all this they've been sending emails and even an invoice from ebuyer the other day for the full amount of the payment terms.   first payment comes out 18th March but Klarna said any issues with finance issues are dealt direct with Ebuyer.   How long do you think he should wait that would be considered unreasonable for a refund?
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BankFodder

Barclays - charges should be £1.50 - Whistleblower revelations

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Hi cg,

This is a decision only you can make.

You've got to way up how much the charges are against the offer.

How much aggro they've caused you when the charges where being takne - with how much the money they've offered will better your current circumstances.

If there is interest added to your claim, in theory, it may hard to persuade a judge to enforce a claim if the offer made is almost all of the charges, and you're just pushing an interest matter!

 

Your choice cg, whichever you chose, it's gotta be right for your present situation!

Good luck either way!

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If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thanks for the advice Perseus. I think I should continue on with the claim. There is no interest added at this point and I'm still paying back the overdraft so £300 I fail to claim back is an additional £300 I have to find to pay back Barclays. What would be the next step if I continue with my claim.

 

Many thanks Perseus

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You're welcme, and thanks for the click!

 

You could write, accepting (unconditionally) the offer as a part payment only, but you still wish to pursue the balance of your charges (in court if necessary), and ask them to reconsider their offer. Expecially as you have only asked for charges only to be refunded at this stage, and that should this case go to court, you will be seeking s69 interest at 8% (this only increases the value of your claim by £104, but stil!!!) plus they will also incurr legal costs for defence, plus court costs!

 

If they reply and state that the offer is it, full and final - then it's up to you should you take the offer, or pursue it in court.

As you say - if its £300 short of just your charges, then there's another £400 plus owing!

Give them 14 days as a final letter before county court action, and see if they budge. I wouldn't hold out much hope to be honest, but stranger things have happened.

Don't forget - send any letters recorded/special d!

 

If you'd like, post up your intended letter, and I'm sure some fine peeps here will offer advice about wording etc.

 

good luck!


If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thanks again Perseus

 

I'll set out a response and post it for comment. As you say stranger things have happened. Ultimately I've decided i have no issue taking this to court action if necessary. Bring it on

 

Thanks

 

cg266

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I think the 9p was what it costs in computer operation terms. You would have to add to that stationary, postage costs, and some staff costs. I think £1.50 to £2 is more like it.

 

Anyway here's the bit form the program last night

 

YouTube - Whistleblower: Barclays Bank - Penalty Charges

 

I work in debt recovery and routinely send bills to customers. I work in a low-tech office.

 

We release letters to the printers, envelope the letters and post them. I'd say the total cost of this is around 35p (1st class).

 

These banks have hi-tech software, printers and enveloping machines (and 2nd class post!).

 

I'm not sure what the 'staff costs' are. Unless they add a charge up front for customers quering the bank charge, which is, in itself, wrong.

 

I would, of course, settle for an outcome at the OFT vs Banks hearing of £1.50!!!:):):)

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I have a question that I hope someone can answer and as this my first post I have probably posted the question in the wrong place.

 

Can business's reclaim unfair bank charges? I have a friend who has been charged 13k in total by Barclays over the last three years.

 

Thanks

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As I understand it, if a service isn't provided, charging is illegal.

It's also the difference between "income" and "taxable income" which most people are blindly unaware of... It's saved me about £35k this year :)

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3081 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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