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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Erica
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I realise it may sound like I'm repeating myself, but I just wanted to make sure that I was doing stuff in the right order as once I send the LBA there's no going back! Although, thinking about it, I don't want to wait another 40 days for them to send me the SAR so maybe I should just carry on, send the LBA and watch this space...

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I realise it may sound like I'm repeating myself, but I just wanted to make sure that I was doing stuff in the right order as once I send the LBA there's no going back! Although, thinking about it, I don't want to wait another 40 days for them to send me the SAR so maybe I should just carry on, send the LBA and watch this space...

 

I may be being extremely dense (it's my natural state !:D ) but SAR ?

 

I would just carry on regardless... You have the total owed to you which is the most important part... Anything else can be requested pre-trial in the extremely unlikely event that it makes it that far...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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I may be being extremely dense (it's my natural state !:D ) but SAR ?

 

I would just carry on regardless... You have the total owed to you which is the most important part... Anything else can be requested pre-trial in the extremely unlikely event that it makes it that far...

 

SAR = Subject Access Request. Not entirely sure what it contains, but I believe that it should list all the charges and give info of any manual intervention. However, I do already have the statements so know what they have charged me. I think you're right and I will just get on and send the LBA.

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SAR = Subject Access Request. Not entirely sure what it contains, but I believe that it should list all the charges and give info of any manual intervention. However, I do already have the statements so know what they have charged me. I think you're right and I will just get on and send the LBA.

 

Oh ok... I'm with you... I believe that 'SAR' and 'DPA request' are just different ways of saying the same thing...

 

Get that LBA in the post !:D

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Hi everyone, I have spent the last 3 or 4 weeks reading through all your threads. It's very interesting (and slightly scary) stuff.

 

I have already sent my DPA request off and have received copies of all my statements. I have also sent my request for repayment of charges (£837) and received the standard get stuffed letter back from the infamous Stuart Higley.

 

I am now about to send off my LBA.

 

I wanted to firstly say that this site is brilliant - very useful and supportive. Secondly, I wanted to get a bit of advice...

 

In my DPA request I asked for any manual intervention to be disclosed to me, or if there has been none, to confirm this. However, the letter enclosed with the bank statements made no reference to this. Should I add a paragraph in my LBA asking for this information again or should I keep the LBA as per the template?

 

Also, I am trying to open another bank account in case Natwest get nasty and also because I don't like them much! My credit rating a not great so I was wondering if anyone could tell me which banks might let me open an account as my credit rating will be affected even more if I get turned down.

 

Any help/advice would be gratefully received.

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Let me be first to say welcome !

 

You seem to be doing pretty well on your own so far !

 

I wouldn't worry too much about the manual intervention... You've asked for it and they've not supplied it... Will go in your favour if it gets to court (which IMHO it won't) Keep to the LBA...

 

As to bank accounts... http://www.moneysavingexpert.com/ has a pretty good section on bank accounts...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Ah, I have a question.

 

I sent off my DPA request and received copies of my bank statements. I have since sent the 2nd letter requesting a refund. Should I have requested the SAR as well? Will I be in a better position if I have this information? Is it a bit late to request this as I have already sent the 2nd letter?

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the SAR and the DPA requests are one and the same, I believe. If all you have had is the statements, (which judging by the posts I've seen is all you get) as Dinghy has said, IF it goes to court that will go in your favour if there has been manual intervention and they haven't disclosed it.

 

You could always try pressing them by letter for a confirmation that there has been no manuals on your account, but as to whether it's too late I couldn't tell you. I'm actually a stage behind you (still waiting for statements and things) but if someone can confirm what i've said is right that would be a help to both Erica and I :)

08-05-06 - Data Protection Act sent to NW

08-05-06 - MP letter sent to Oliver Letwin (Cons, Dorset West)

25-05-06 - Statements and Data Protection Act received (14 days)

07-06-06 - Prelim letter sent to S.Higley claiming £1226.03

09-06-06 - LBA sent, due to negative response

29-06-06 - Claim served (Acknowledged 30-06-06)

27-07-06 - NW's Deadline - received 27-07-06

24-08-06 - AQ received and returned - Deadline 08-09-06 - Both returned

20-09-06 - 1st Offer - £850.00 with confidentiality REJECTED

05-10-06 - 2nd Offer - £1456.80 with confidentiality ACCEPTED

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the SAR and the DPA requests are one and the same, I believe. If all you have had is the statements, (which judging by the posts I've seen is all you get) as Dinghy has said, IF it goes to court that will go in your favour if there has been manual intervention and they haven't disclosed it.

 

You could always try pressing them by letter for a confirmation that there has been no manuals on your account, but as to whether it's too late I couldn't tell you. I'm actually a stage behind you (still waiting for statements and things) but if someone can confirm what i've said is right that would be a help to both Erica and I :)

 

You may have got a little confused by the lack of order of the posts due to the clock problems yesterday... But what you have said is indeed correct...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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  • 1 month later...

Right then.

 

Hello everyone.

 

I sent my LBA to Natwest and received a reply within the 14 day deadline (which ran out on 16th June) telling me to naff off. I have been working abroad for the last couple of weeks so have not been able to take any further action until now. As the 14 days ran out on 16th June and I haven't done anything for 2 weeks, am I ok to continue with my claim using moneyclaim, or do I need to write any further letters, etc to Natwest?

 

Also, as I have been overdrawn continually for the last few months, should I be trying to claim back interest charges for the whole 4 years that I've had the account, or just for the times that I have been in credit? I feel this could get confusing...

 

Any advice greatly appreciated.

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Yes continue with your money claim as planned, all be it a little late. They don't need any extra time to fart about cause they've obviously had longer than intented already. There is a spreadsheet that helps you to work out the amount of interest they have charged you for charges that have made you overdrawn or put you further into your overdraft, but you can't claim back interest for any amount of you overdraft that you spent normally, if that makes any sense. It's all very complicated, but if you have a read around it has been explained a bit better than i have done. I didn't actually work this out for my claim cause it was too complicated and i didn't think that the amount it would have come to was worth it anyway. Vampiress has some good advice, i think she made the spreadsheet.

 

Keep us posted

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OK. I have finally managed to start the moneyclaim form. Just wanted to ask whether there was a certain way I should word the 'Particulars of cliam' section. I am sure that examples are already given in this forum, but I can't seem to find them. If anyone could point me in the right direction that would be great - I just want to make sure that I do this as professionally as possible (that would certainly make a change!).

 

Thank you all.

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  • 3 weeks later...

Just wanted to let you all know that I received a cheque for £917 from Natwest on saturday!!! I filed a claim whcih they acknowledged and said they would be defending, but then sent a cheque out 2 weeks later without any further action required from me. They said in their letter that

 

"We believe that your Particulars of Claim disclose no reasonable grounds or cause of action against the Bank. However, we believe that, given the amount of your alleged claim, it is not commercially viable or cost effective for the Bank to defend this claim".

 

Whatever!

 

Thank you all for your help and advice and good luck to those of you still claiming...

 

Erica

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After the success of my claiming back £917, I have just this week been charged another £76 for unpaid items!! Can I now claim this back too and do I follow all the same procedures from the preliminary approach for payment letter?

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  • 12 years later...

This topic was closed on 11 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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