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    • Hi   I assume this is a Gas Boiler and is so the first thing I would do is ask Your Repair for the Gas Safety Register Number of the 2 individuals they sent to your property to carry out that repair as they should be Gas Safety Registered.   Once you get that then check those numbers on the Gas Safety Register:   Find or check a Gas Safe registered business - Find or check a Gas Safe registered engineer in your area who can fit, fix and service your gas appliances. WWW.GASSAFEREGISTER.CO.UK Find or check a Gas Safe registered engineer in your area who can fit, fix and service your gas appliances.   What I would also do is send Your Repair a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase cover whatever format they hold your data in whether it be phone calls, emails, written etc. They then have 30 Calendar Days to respond and that time limit only starts once they acknowledge receipt of your SAR request
    • Hi . I also been motability customer for many years but this is my 1st diesel .  And I have to say motability staff are the cream of the cream  best of the best  100% amazing staff  but this time in particular when I said what happend  just like I said     The reply was  they must been a mistake I'll send them an email to remind them   Then I said I want to make a complaint about them as they was rude  dismissive and I dont really want to go back to them .  Then she said  this is a complaint  I'm doing it now and I'll send them an email to remind them  And I had nothing  off them since .  Also I left it on there feedback on there Webb site review.  (the dealer )  Which they replied in a bog standard click and paste reply  saying they  contact me and deal with  they never did  even left follow up feeback to the review.    I was shocked by the lack of response from motability  of the potential fraud  that could be going.on ..  As far as I'm concerned it is fraud  they know it's free to motability customers  but still try and charge  even argue with customers in middle of the show room  and that was there manager   david /dav .  
    • Hi   I myself am a Motability Customer and have been for some years with numerous cars.   What I will say is you won't have been palmed off by Motability as your complaint will be noted on their system with that specific dealership and they will have asked that dealership to respond to your complaint.   With Motability it will take more than one complaint against that specific dealership unless very serious for them to take corrective action on that specific dealership.   When you contacted Motability did you make it clear that you were complaining about that dealership and the adblue charge?   What exactly did Motability state to you after they had carried out their investigation? (Motability would have contacted that dealership for a response)   Did Motability offer to change you to another local dealership for servicing of your car? (they can do this if you are unhappy with that specific dealership)   I note you state your sister husband who is disabled took his car and was charged £30 for adblue for their car but could you clarify:   a) Was this at the same Dealership you went to?   b) Was this car a Motability Scheme Car?  
    • Thanks for the reply DX100uk   The lady said hard copy asap. I recall a previous letter with guidelines stating 14 days. i'll certainly submit an email version also as courtesy.   If its 7 or 2 days, then fantastic   but i also found this 'Accordingly, in the absence of a specific direction, witness evidence should be filed with the court at least 14 days before the final hearing date. statements. As per CPR 32.4(2), the court will order a party to serve witness statements on the other parties.'   https://www.lexisnexis.co.uk/legal/guidance/in-relation-to-witness-evidence-under-the-civil-procedure-rules-what-are-the-time-limits-for-filing-a   i have however found this: 1 Oct 2020 — 17.1 The witness statement should be headed with the title of the ... that the claimant must file the trial bundle not more than 7 days and ...   https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part32/pd_part32#witness   but i cannot find that tect in the actual web page, i have found though: AGREED BUNDLES FOR HEARINGS 27.4 Rule 39.5 provides that the claimant must file the trial bundle not more than 7 days and not less than 3 days before the start of the trial.   so slightly confusing  
    • Nobby_v   Just to clarify for you yes you can post that link you have provide in your post.   Here is the full link: (Remember to got to 5.2.3. Tyres)   5. Axles, wheels, tyres and suspension - MOT inspection manual: cars and passenger vehicles - Guidance - GOV.UK WWW.GOV.UK Inspection processes and rules for car, private bus and light commercial vehicle (class 3, 4, 5 and 7 vehicle) MOT tests.    
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help, response from first direct, confused!?


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Hi,

I sent the 1st letter off requesting all my charges from first direct along with the £10 fee, ive recieved a letter back with my £10 sent back to me! saying along the lines that they are unale to proceed with my request as they do not have my signature on file!! im told that i now have to call them to verify my account!! the letter goes on to say that all the info is contained in my account statements, the bank only retains info for the last 6 yrs etc. The letter then goes on to say that all info will be provided free of charge and will be sent to me via a courier, my signature will be needed to ackowledge reciept.

My query is, that it is now past the 40 days since i 1st requested my charges. What or where do i go now, do i ring them to request this or do i go straight to the non complience letter after 40 days bearing in mind they have returned my £10 fee???

 

Many thx in advance to anyone who can help with this :)

 

Steve

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Hi,

I sent the 1st letter off requesting all my charges from first direct along with the £10 fee, ive recieved a letter back with my £10 sent back to me! saying along the lines that they are unale to proceed with my request as they do not have my signature on file!! im told that i now have to call them to verify my account!! the letter goes on to say that all the info is contained in my account statements, the bank only retains info for the last 6 yrs etc. The letter then goes on to say that all info will be provided free of charge and will be sent to me via a courier, my signature will be needed to ackowledge reciept.

My query is, that it is now past the 40 days since i 1st requested my charges. What or where do i go now, do i ring them to request this or do i go straight to the non complience letter after 40 days bearing in mind they have returned my £10 fee???

 

Many thx in advance to anyone who can help with this :-)

 

Steve

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Guest Niklowe

I would send them a letter giving them seven days to send you the list of transactions

 

Look in here and adapt one to suit.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Also inform the information commisioners office.

 

The banks are absolutely snowed under with claims at the moment, but I expect you will get the list of charges very quickly after you send the letter

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It wouldn't hurt to give them a call and remind them of their obligations under the data protection act. If that doesn't get a response then go for a non compliance letter. Also worth pointing out to them that their loss of your signature from their files could be seen as a breach of the data protection legislation to keep your data secure. You could ask them to investigate this matter!!!

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Hi,

I sent the 1st letter off requesting all my charges from first direct along with the £10 fee, ive recieved a letter back with my £10 sent back to me! saying along the lines that they are unale to proceed with my request as they do not have my signature on file!! im told that i now have to call them to verify my account!! the letter goes on to say that all the info is contained in my account statements, the bank only retains info for the last 6 yrs etc. The letter then goes on to say that all info will be provided free of charge and will be sent to me via a courier, my signature will be needed to ackowledge reciept.

My query is, that it is now past the 40 days since i 1st requested my charges. What or where do i go now, do i ring them to request this or do i go straight to the non complience letter after 40 days bearing in mind they have returned my £10 fee???

 

Many thx in advance to anyone who can help with this :-)

 

Steve

 

Just ring them, they will verify you that way. Just ask for a copy of charges to be sent and they will do it free of charge. No need to put in writing!

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Guest Battleaxe
Just ring them, they will verify you that way. Just ask for a copy of charges to be sent and they will do it free of charge. No need to put in writing!

 

 

It is VERY important that everything is in writing. never speak to them on the phone. We all have learnt from experience that they say one thing and then deny it.

 

You send the non-complaince letter and then if they ignore that you notify the Information Commissioners Office and file for non-compliance through the courts.

 

You need more than the charges, you need all the documentation they hold on you.

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SJ & CJ

 

Ditto what Battleaxe says. Get everything in writing. They will be able to send your notes (notes on manual intervention, telephone calls). I got mine from FD so it's not difficult for them. Good luck

Claim against First Direct - WON - 29th March 2007

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  • 5 months later...

Hi all,

ive finally got a list of my charges back from FD totalling around 2,800 ive read the bank templates 1st letter asking for monies to be paid back to once i have a total, it says in this template that ive too include back dated interest. I was under the impression that i was not to include the interest on the 1st time of asking. Which is the case include inierest or not??? please help.

 

Thanks in advance of any advice :-)

 

Steve :-)

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Hi all,

ive finally got my total charges from First Direct totalling around £2.900 ive looked at the templates for writing the next steps and the wording in the 1st premlinary letter asks the back dated interest as well. I thought we couldnt or shouldnt ask for this untill a later date if it drags out. So whats the correct procedure to add the interest at the start or not??

 

many thanks for any help with this

 

Steve :-)

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Don't worry this is a common cause of confusion :) There are two types of interest Overdraft interest and Statutory interest.

 

Overdraft interest is interest that the bank have charged you on the portion of the overdraft (or loan) that is charges i.e. they charge you £30, this gets added to your balance and then they charge you interest on it.

 

Statutory interest is interest the county court add on as a form of recompense for not having your money for X months/years this is the interest you don't add on during the preliminary stages.

 

pete

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Hi pete :-)

thanks for your reply :-) but i think having a very bad thick moment ere about this LOL!! So to clarify, im about to draft my 1st letter requesting my charges of approx £2,900 back and i also include an added amount of what the loss of interest would have been on this amount of money, had it stayed in my account using the spreadsheets provided? what the courts add on (if it goes that far) is kinda componsation amount, but in short i ask for my intial amount plus the loss of interest at this early stage?..

sorry for asking what maybe daft Q's but just want to get this rite :-)

 

Steve:-)

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Hello Steve

 

Do you know what the % is on your unauthorised borrowing?. You add this figure to each charge, as it is what they have charged you. The 8% is only added at the court stage, if you are not claiming the unauthorised rate. It's one or the other, you can't claim both.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi again,

thanks for the help :-) i dont know what the % was on my charges so i assume i just ask for the total amount of charges back at this stage (being my 1st request) on the template letter it says that im to include a schedule of charges i assume this is the same as the excel speadsheet used to work out the backdated interest but just blank out the amounts of monies in the final cloumn?

thanks again in advance for any help ... havin a bit of a thick moment i reckon LOL just want to get this right :-)

Steve :-)

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Hello Steve

 

Do you know what the % is on your unauthorised borrowing?. You add this figure to each charge, as it is what they have charged you. The 8% is only added at the court stage, if you are not claiming the unauthorised rate. It's one or the other, you can't claim both.

 

Hi again,

thanks for the help :-) i dont know what the % was on my charges so i assume i just ask for the total amount of charges back at this stage (being my 1st request) on the template letter it says that im to include a schedule of charges i assume this is the same as the excel speadsheet used to work out the backdated interest but just blank out the amounts of monies in the final cloumn?

thanks again in advance for any help ... havin a bit of a thick moment i reckon LOL just want to get this right :-)

Steve :-)

 

Hi Steve.

What UK is saying is that if you are adding interest at unathorised rate, you have to add it from the start.

If you dont know what it is/was, its not a good idea to guess.

Therefore, go for stat 8% which you only add on when filing at court.

Good Luck.

 

P.S. I have a continual thick moment. It scalled life.:lol:

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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hi again,

right got it !! :-) one other query then i done and up and running i hope!! LOL it says on the template that i am including a schedule of charges is this simply a list of all the dates and amounts and charges filled out on one the example spreadsheets provided on the template page?

many thanks again for all of the help on ere :-)

Steve :-)

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hi again,

right got it !! :-) one other query then i done and up and running i hope!! LOL it says on the template that i am including a schedule of charges is this simply a list of all the dates and amounts and charges filled out on one the example spreadsheets provided on the template page?

many thanks again for all of the help on ere :-)

Steve :-)

 

Steve.

If you get an extra 5 minutes when doing your SOC (schedule of charges)

include the reason for the charge.

I have not read a defence yet where the banks dont try to use this as a delaying tactic.

 

EG>Instead of

11/04/2007 £ 30

Try

Unpaid direct debit 11/04/2007 £ 30

Or whatever the charge was for.

Keep us posted.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Tonycee is right. You have to include the description of each charge as it appears on your statements. If you don't include this the banks often will ask for a detailed description further down the line. Just saves time if you do it now!

Good luck!

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4 Threads merged please stick to this thread.

 

 

 

 

 

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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