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    • Received paperwork now from them prior to 30th deadline. is it worth uploading here or just send my 181 back with the draft directions from my side? 
    • Ah ok, thanks Andy. As of yet i have heard nothing from the court since i received the N180 from lowells.
    • you NEVER offer PS it opens you up to 6more yrs of harassment as you've ack'd the debt and they'll sell the rest on.   just do the CCA..   its probably very close to SB so they leave things late to get the most interest out of you. if they issue a backdoor CCJ.
    • I have received planning permission to do a loft & kitchen extension.   I have a terraced house.   Re the party wall agreed surveyor, my neighbour to the right is ok to a ‘agreed surveyor’ being appointed by me. However after I received planning permission late in 2018, my neighbour to the left instructed a surveyor.  I spoke to this neighbour last weekend explaining that i am now in a position to hopefully commence the work but that a party wall award needs to be secured. I inquired from them if we can agree an impartial surveyor preferably of my choosing, since i will be paying the fee. The wife said they'd speak to their surveyor, whilst her husband seemed hesitant.   I have now received the attached letter from their surveyor.  His remarks such as '‘after some delay' (surely it is for me to determine when i being any building work on my property having consideration of a myriad of matters), gives me pause as to his impartiality, at that he is not just money chasing.   Is a surveyor permitted to make an approach to a property owner,  re offering to be appointed as the agreed surveyor, in advance of the party wall notices being issued to the relevant neighbour?   I do not trust the impartiality of indeed integrity of this surveyor.   Both my neighbours, already have both a loft & kitchen extended kitchen, so i just don't understand why this neighbour, is seemingly trying to make this process as protracted and even more expensive as possible.   How can i convince them to use my surveyor as the agreed surveyor, short of threats of me not being cooperative of any work they may wish to undertake.   Tnanks   scan0048.pdf
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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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.

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Hello my fellow bank charge reclaimers.

 

I started my claim for £3727 of charges from RBOS on 2nd April. Today I received a letter from them which reads.

 

"Thankyou for your letter dated 2nd April 2007 regarding charges applied to your account. We are currently considering your claim and will respond to you as soon as possible."

 

Their first letter deadline is 16th April which is when i was going to send the LETTER BEFORE ACTION letter.

 

Should I ignore their acknowledgement letter and just keep steaming ahead?

 

Thanks in advance for your help.

 

Rocker

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Yes just stick to your timetable not theirs.


 

 

 

 

 

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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Stick to your timetable Rocker and send the LBA on the 16th as planned-dont wait for banks response.


PPMAN159

 

If this comment has helped please click on the scales.

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Does anyone know where I can find spreadsheet which calculates contractural interest?

 

Thanks

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I sent off my LBA to my branch on monday and emailed a copy of it to Sandy Watts today.

 

I've just got this email back. Is what she is saying right??

 

Can anyone advice?

 

Thanks

 

"Dear Mr

Sorry for the delay in responding, but steadliy working my way through my

'inbox'.

Please be advised that, under FSA rules, we have 8 weeks in which to issue a

final response to a customer's complaint.

This commences from the time that we receive the complaint at this Unit,

which in your case was 5 April 2007.

Can I please ask you to bear with us, as we have a large backlog, but we

will respond within that period.

Regards

Sandy"

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Yes and no. She is right, the FSA give them 8 weeks to respond. However, you have given them 14 days in which to reply, so they must respond in 14 days otherwise you go to court.

 

That said, given their backlog, you could be lenient and allow them some grace before going to court in order allow them the time to make you an offer.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks T4FF.

 

Do you think it would be a good idea to email her back and suggest that I give them an extra week (because of the backlog) so in effect they will have until 8th May before I start court proceedings?

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I think that would be a good place to start. You are demonstrating a bit of leniency then aren't you?

 

Don't expect a promising response, but whatever they respond is not important, it's the fact that you have touched base.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I just went to the b****y supermarket and my card when rejected. Just logged on to the rbs online banking site and they have charged me £38 on friday and today £40 plus £22.76 interest - total £100.76. I phoned last friday to tell my branch that i didn't have sufficient funds to clear my loan payment but that I got paid in a week and could they extend my overdraft limit slightly to compensate for this. They said NO!!

 

My question is should I start a new claim for this or should I email Sandy Watt and add it to my current claim?

 

Current claim is for £3727. LBA sent on 16th April so deadline should be 30th but have given them a week grace out of the kindness of my heart because of their backlog.

 

Thanks in advance.:mad:

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I think it you could send them a note to say you are including the 100 quid in your current claim as they have sufficient notice given the extra week's grace.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I emailed Sandy Watt this morning regarding the further charges to my account and received this reply.

 

Can another tell me what my best course of action is and if I need to amend my claim what the best wording is?

 

Deadline for LBA before court action is 8th May.

 

"Thank you for your e-mail, I am sorry that charges continue to be applied to

your account.

I note your request to have these re-credited to your account, but I am

sorry but this Unit is not in a position to arrange this for you.

I also note that, if this is not arranged, then you intend to add these

charges to your claim.

Should you wish to do this, then you will need to send us an amended claim

now, or advise us of these further charges, once you receive

our response to your current claim.

As stated before, we will respond to you claim, within the FSA time-scales.

Regards

Sandy Watt"

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Sorry i possibly didn't word my previous post well enough.

 

Very sorry for being too brief. Sandy is right, you need to send them a letter stating that your claim now includes charges up to [date] and therefore your claim is for [amount] and include an up to date spreadsheet.

 

That's (somehow) what I meant by "send them a note".


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I've just received this email from the lovely Sandy Watts.

 

Dear Mr XXXXXX

I am pleased to advise you that, an offer letter was despatched to you

yesterday.

All being well, this should be in your hands in the next couple of days.

Regards

Sandy

I think I might start taking bets on the fact the the offer wont be my full claim. The odds that I'd offer would be 33/1!!

Anyone else received any offers recently (before court proceedings)?

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Hi rocker, maybe Ive missed something in your thread but you dont say if your in Scotland or England, small claims limits in each differ drastically. Also you said your charges were £3727, is that basic charges or plus interest.

Many of us have had full basic charges paid out at about the 8 week period.

It is always up to each individual to decide if an offer meets their goals and not be swayed by advice.

My own decision to go for basic charges was based on financial needs, time scale involved and lack of confidence to pursue what could have been a long drawn out legal scenario bcause of Scottsh claims limits.

Good Luck


05/03/07 S.A.R - (Subject Access Request) handed in at branch

Found missing statements at home !!!!

08/03/07 Prelim+ schedule posted rec del

22/03/07 :mad: No reply to prelim LBA posted rec del

05/04/07 :mad: 14 days and no reply to LBA, sent e-mail

27/04/07 :D Offered FULL SETTLEMENT £3375

03/05/07 Cash in bank account :D :D

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I agree with dangler - you do need to do some serious reading if you're going to take it to the next stage, whereever you live.

 

It does seem to be true though - claiming in Scotland is more tricky than down in England and Wales - but thats not to say you can't nor shouldn't do it....

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Once you get the hang of how this website works there is some really super stuff on some of the threads - but its just a matter of wading through the long threads and understanding the big picture.....

 

Also post your questions - as I guess you've found people are pretty responsive and there are some real experts on this site....

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Thanks.

 

I live in England. My claim was for £3727 in charges and in my prelim letter (being a novice) I put in about the 8% interest blah blah.

 

I now know that you cant claim this unless you start court proceedings.

 

I emailed Sandy this morning to ask details of the offer as you cant rely on the post and timescales are tight etc. etc...

 

Her reply was:

 

Offer is for £3,247

Please be advised that there is a covering letter with our offer, advising

customers which type of charges are being refunded by the Bank. Should you

decide to decline our offer, then you will need to advise us in writing. We

have standard procedures to deal with customer who decline our offers.

As a result, I am unable to accept an e-mail as a decline of our offer.

Regards

Sandy

Dont really know what to do as I think I may have included some of the monthly account charges for the priviledge of having a Royalties Gold Account with them !! (NOT)!! Does anyone know what their standard procedures of dealing with non conforming customers are?!!

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sorry to change the subject,but do you have sandys email address.

 

thank you

 

jamie

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I would hang fire for the written offer and see exactly what they are offering. We got all our charges back from RBOS before going to court stage, when I turned down their first partial offer via letter and gave them a bit of extra time prior to starting the court claim. They wrote back with a full offer, but we didn't get any interest.

ali x


Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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I would hang fire for the written offer and see exactly what they are offering. We got all our charges back from RBOS before going to court stage, when I turned down their first partial offer via letter and gave them a bit of extra time prior to starting the court claim. They wrote back with a full offer, but we didn't get any interest.

ali x

 

 

OK. Will do. Thanks Ali

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The basis of your claim must reflect the accuracy of your schedule of charges. I agree with alibobsy to wait for written offer. In the meantime you should re-check your schedule, as you say you may have claimed for charges which are not recoverable.

If their offer is correct you will have no grounds for refusal.

Patience is a virtue :)


05/03/07 S.A.R - (Subject Access Request) handed in at branch

Found missing statements at home !!!!

08/03/07 Prelim+ schedule posted rec del

22/03/07 :mad: No reply to prelim LBA posted rec del

05/04/07 :mad: 14 days and no reply to LBA, sent e-mail

27/04/07 :D Offered FULL SETTLEMENT £3375

03/05/07 Cash in bank account :D :D

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Having gone through my statements again, although it doesn't make it very clear as they're not broken down individually, I think they're right and I've added the monthly account fees onto my claim. Cant really tell what the amount is exactly but it looks like it may be about £400 and they have deducted £480 from my claim ie from £3727 to £3247.

 

Anyway so I am going to accept their offer. By accepting does it mean that I agree to any future charges. It says in Sandy's letter - quote:

 

"Any charges that properly accrue in the future will be applied to your account in line with our published tariff and in accordance with your agreement with the bank. Should you be unwilling to accept any such charges, then we may need to consider if we are prepared to continue to provide you with your existing banking facilities. Instead we may offer you a simple account that does not offer borrowing facilities or other services that can result in charges"

I'm surprised that they didn't put up more of a fight as it's only been a month since my prelim!!:D

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