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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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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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JDM vs B.O.S.


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Just thought i'd say hi.

 

I have recently claimed from the BOS for unfair charges. Received statements and sent my first letter asking for the charges to be repaid.

 

Just received a letter acknowledging my complaint (just over the 2weeks) stating they now have 8 weeks to investigate any complaints.

 

I'll keep you all posted with the progress.

 

J

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Good luck jdm01 and remember to keep to your timescales and not theirs.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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  • 1 month later...

Hi guys, waited the 8weeks for a final response to my complaint - just received it today 5days before 8week complaint deadline.

 

"I am sorry for your complaint"......"I am satisfied the charges have been correctly applied to your account."

 

Cheeky blighters put in a copy of their "Understanding Bank Charges" leaflet which made me smile.

 

Anyway - next steps for me is the FOS - I will be contacting them next week to pursue the complaint further. I meant to add I am in Scotland claiming for in excess of £2k.

 

Any advice on how to progress will be most appreciated...

 

J

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Hi jdm, I am a bit confused as to what path you have chosen to follow in your quest to reclaim your charges. On this site we do a prelim letter giving them 14 days to comply. If they don't comply and give you a 8 week fob off, we do the letter before action giving them a further 14 days to comply before court action. This letter is done 14 days from the date of your prelim letter. After the further 14 days from the letter before action we file a claim through the courts.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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So if you have your statements and you have sent the prelim, then why not send the lba letter.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Also here is a link to the scottish forum, you will read a lot more people in the same position as you,

 

http://www.consumeractiongroup.co.uk/forum/scotland/

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Scottish Courts have completely different limitations and processes than our English cousins. I have decided to go down this route to avoid the court process as the FOS is a successful way of proceeding in Scotland.

 

LBA has been delivered and BOS are treating this as a "complaint". Since it is classed as this, this is handled by a regulatory agreement of 8weeks to have completed their findings to the complaint.

 

I have received these findings today - and they have fobbed me off. I look forward to continuing the complaint via the FOS.

 

Cheers..J

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  • 2 months later...

So, I get the letter from the FSO saying they have received my letter and that someone will be assigned to look into it in more detail.

 

Next letter I get, confirms the person who is looking after my account and that they will be approaching the Governor of the Bank of Scotland to make a reasonable offer from my 6years of claims.

 

Finally, I get the letter I've been waiting on - the bank will offer to pay the full lot - over £2k in charges - Absolutely fantastic.

 

I can only say thanks to everyone on this site and for all those living in Scotland - this is the route to go. I found it straight forward and I wasn't pushy - just determined and patient to let the process go through it's journey.

 

Now to get my hands on the money - they say allow the banks 6 weeks to get the money to me - I may just send them a quick email.

 

Thanks again

 

J :D :D :D

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!! CONGRATULATIONS !!

 

 

 

;)When your lovely lolly comes -

how about a wee donation to CAG?;)

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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