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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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forkandles

Forkandles V Bank of Scotland ***SETTLEMENT ACCEPTED***

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Initial letter sent today by recorded delivery.

One copy to local branch, the other to Trinity Road, Halifax.

Trying to recover a total of £2199 in charges and interest.

Will keep you updated as to what happens.

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no, handles for forks!

 

Welcome aboard and good luck, we will watch out for updates


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Well that's 14 days up tomorrow and not a dickie bird from them. According to the Royal Mail website my letters were delivered, but no reply.

LBA being sent off tomorrow.

Will keep you posted.:mad:

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I suspect they're just a little busy :)

  • Confused 1

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Just a quick question, hope you all don't mind.

As I am at the LBA stage, do I stick with my full ammounts or do I start to break them down to prepare for court, as it seems advisible to keep claims to £750 max.

 

I am claiming for two accounts one for £1078.50 and the other for £1120.50

 

:confused:

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Are you in Scotland or England? Where was the contract made?


BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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I am in Scotland. One letter was sent to my local branch, the other to retail bank collections in Halifax.

 

I have an agreement where I am paying money back to these accounts and now use another bank for my banking as I am having real debt issues. If I can get the money back then it would half the ammount that I owe to them.:-|

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Sorry, just to clarify the accounts were opened in Scotland. So everything done up here, well before the Merger/Takeover!

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And on the 14th day a letter arrives............

 

Dear Forkandles,

it is my understanding that you are unhappy at the charges that have been applied to your accounts over recent months, and you feel that these should be refunded as dictated by recent Office of Fair Trading investigations.

 

Having started it's investigation into charges in 2004, the Office of Fair Trading (OFT) confirmed its opinion that default charges, as they are called, of more than £12 should be considered unfair.

 

We have noted the comments made by the OFT and have co-operated fully with the OFT during the consultation process and will naturally continue to do so. However, we cannot comment further at this stage, as we need to fully assess and understand the recent announcement.

 

At the moment the statement refers specifically to credit cards, but is likely to be expanded to other products in the near future. HBOS along with other lenders will respond to the OFT statement in due course.

 

Charges are specifically applied to customers whose transactions fall outside the parameters that have been set. It is approriate that an individual whose balance was insufficient to meet payments that he/she has made should bear the cost of the additional administration incurred as a result, rather than expect this to be absorbed by the shareholders as a whole. They are only applied when transactions fall outside the limits that have been set and they are thus valid.

 

In regard to your credit file I can confirm that this is a true and accurate reflection of how the account has been maintained. In light of this we would not be able to ammend any information.

 

I am sorry that this letter does not provide you with the response you are seeking however I trust this clarifies matters for you. I have enclosed a copy of our complaints leaflet, which explains our procedures.

 

Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for assistance. If I do not hear from you within the next eight weeks I will assume you are satisfied with our response to your letter.

 

Yours

Liam Pollitt

 

This letter was sent from Halifax, at Trinity Road.

 

Any comments please.:confused:

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Waffle.

 

Just proceed with your claim.


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks for the comments.

 

After going through other posts I have decided to send the LBA, but asking for just £750 as this seems to be the best way to proceed in Scotland.

 

What I would like to know, do I just arrive at this figure through charges alone or do I try to get this figure from charges and the overdraft interest?

 

I do intend to go after all the charges, but in £750 blocks, so this may take a little while.

 

Any thoughts comments?:confused:

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£750 in charges


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Another letter arrives....

 

Dear Forkandles,

Thankyou for your letter...blah,blah.....charges are justified....blah,blah.....However, as a gesture of goodwill I am prepared to refund £475 of charges in full and final settlement of your complaint. This amount covers both accounts, £250 for one and £225 for the other.

 

Thankyou, but no thanks I want ALL my money back and will be writing to let them know. I am so glad they sent this letter, because now I feel that they are on the run and will at some point cave in and give me money back.

 

The letter was sent form Retail Banking in Rosyth.:-)

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LBA sent of yesterday (21/6/06) to branch and Halifax for £730 in charges from 2001 to 2005. I included a list of all the charges dates etc.

 

For fun I sent a reply to the letter offering me some of my money back, saying that I would take that, but that I also wanted the rest from them. Lets see what they come up with next.:grin:

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I've just had fun with them today on the phone. Will post more details early next week as I don't want to compromise my position....


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Was getting ready to head to court with a claim for £730 (first block of charges) when I get a phone call and letter offering £1413 for both accounts, it breaks down as follows:

 

Account one: charges claimed 995.00

bank offer 749.00

difference -246.00

 

Account two: Charges claimed 1027.00

bank offer 664.00

Difference -363.00

 

Total claimed 2022.00

Bank offer 1413.00

Difference - 609.00

 

The figures quoted do not included any interest. To be honest I am thinking about taking this offer. This is due to the fact that i have to claim in £750 (max) blocks in Scotland and the thought of having to do this for months at a time does not seem that appealing.

 

Any comments......................

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Have decided to accept the offer.

 

Good luck to everyone else in their quest, I'm sure that all will go well.:D

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you got £1400 back, and saved futher hassle, dont think you can be blamed for taking the offer, well done:)

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Congratulations

 

Would you take a moment to fill out the survey please?


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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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