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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me   Hers how: A statesman - and not just in waiting
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Second time around


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Hi all

 

Well i'm back again for another round with Natwest. I did my first claim against them and got my cheque back in November last year but things have gone downhill financialy since then. My partner has now been signed off on long term sick so the only money we have coming in is benefits and we are stuck in the usual bank charges cycle. We have had more and more charges being put onto our account recently mostly due to having to have direct debits for things that we have to pay by dd. To cut a long story short, in 3 days we have had £184 taken in charges from our incapacity money. This has now tipped us right over our overdraft so that when the next lot goes in £200 will instantly be taken to cover the amount over the overdraft.

 

I did telephone the bank just now and pleaded with them to return some of the money as we have literally been left with nothing, just to be told it was our own fault for misusing our account and they were perfectly within their rights to take it. I did tell them that it was our benefit money they had taken but they couldn't of cared less.

 

So here I am again, i've looked at the faq's etc and everything seems the same as it was last time around. Is there anything I should be doing differently as i've already claimed once? I feel so depressed to be starting this all over again but here we go!

 

Also because I am only claiming from november can I just use the statements on my online banking, instead of sending off for them again?

 

Looking forward to reading the other threads and getting to know everyone.

 

Mandy

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Mandy,

If you've got the charges then proceed in the usual way with a prelim. However, if you've had the account for more than 6 years you could write and ask them for ALL of your statements and claim back further.

All the best,

Paul

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hi

 

Try ringing nat west and ask 4 the money back if they refuse explain that u have already had a successful claim against them, if they wont give u it back explain to them u will proceed with a new claim to reclaim the charges..........

 

It might work........

 

If not Prelim

 

Scott

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Hi All

 

Called the bank and explained that I had already had charges refunded, once again they couldn't of cared less!

 

Re the right of appropriation, they said that they weren't going to be taking my benefits to pay charges, they were taking them to clear the money I have over my overdraft, which of course they took in charges, clever see!

 

So I am firing of my pre lim today I think its about £1000. If I don't want to claim for overdraft interest though do I have to? The reason I ask is that I had a quick flick through the faq's to refresh my memory and it says that you should claim overdraft int if you can prove it's because of the charges. I'm not sure that I can because i've got a £2000 overdraft which is always up to the max.

 

Cheers for reading

 

Mandy

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Hi Mandy, you don't have to claim overdraft interest if you don't want to - I chose not to as I found it too complicated!!!

 

Go get your money back - good luck!!! Hedgey xxx :p

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Re the right of appropriation, they said that they weren't going to be taking my benefits to pay charges, they were taking them to clear the money I have over my overdraft, which of course they took in charges, clever see!

 

 

The way I understand it, and I'm sure someone will correct me if I'm wrong, they cannot do anything with your benefits. It does not matter how much money you owe them for overdrafts, charges, loans etc. They are obliged to let you withdraw the FULL amount of your benefits regardless of this taking you further over your overdraft limit.

 

Perhaps someone could please clarify this?

 

Kelly :)

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If I've helped please click my scales! :)

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Oh god, my partner phoned the DWP on tuesday and they promised they wouldn't pay the money into bank and would send a giro instead. But i've just checked my online banking and they've bloody paid it in instead and the bloody bank have taken it and now we're not getting anymore money till the 24th and i have exactly -£4 in the bank.

 

I can honestly say I hate natwest.

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Sorry beat the bankers I did see it, I just had a look at the link that you put above I don't think they are allowed to take it for whatever reason. But they just wont listen, they just say they are allowed to take it. I know I should of sent the letter in telling them they couldn't take the money, but the DWP had promised they wouldn't pay the money in and would send a giro

 

I think i'm just going to have to swallow it and borrow some money from parents to get us through.

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Grr.. I would give them hell over the phone if it were me :x

 

I do think you should send the letter anyway, just incase the DWP decide to ignore your request for a Giro and the next lot goes in aswell. If Nastywest have had their 7 days notice and ignore you, then you can kick up merry hell.

 

They should not be allowed to do this, it makes me so mad. :x

 

Kelly :)

If I've helped please click my scales! :)

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Thanks for your help Kerry, I don't think i've got the energy to try explaining this again to them just to hear, we're well within our rights etc etc etc you should manage your account better rah rah rah.

 

I'll try the DWP in the morning and see what they say although now they've paid it in there's not much they can do. As for the lot going in on the 24th they've already said they won't pay by giro we have to have it go straight into the bank (its two different benefits) so i will get that letter off to them to protect that lot.

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Hi Mandy, I've just read your thread again and I can't believe how heartless they've been with you. Have a read through here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html as beat-the-bankers is absolutely right, they can't take your benefits. If you're registered for telephone banking, phone them once you've clued yourself up on the above link - and personally I'd go into the branch tomorrow morning as well.

 

Good luck with this - I really do hope you get a positive result. xxx :p

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Don't worry too much tonight Mandy cos there's nothing more you can do till tomorrow. Just stay positive and focus on getting your money back from them - they shouldn't have taken this for their blo*dy ripoff charges anyway. Make sure you write down everything you want to say to them, and don't let them tie you in knots 'cos you've got right on your side here.

 

Get a good night's sleep tonight and sort the rotten bug*ers out first thing in the morning. Let us know how you get on with them. Good luck, xxxx :p

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Hi Mandy, how did you get on with the bank today? xxx

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Hi

 

Just came back to update, I I had a long think about it last night and after talking to the benefits agency today decided not to go to the bank today. The reason is that I am already fully overdrawn, if I had gone in today and they had given me the £200 back this would have taken me further into debt, I would then have had to do the same for all my other benefits thereby just getting worse and worse into it.

 

The benefits office have told me that they will no longer be paying any money into that account. I have cancelled all my d/d and am in the process of setting up another account to deal with these. I appreciate the help you all gave (Hedgey and Kerry) and will be carrying on with my claim against them for my charges.

 

Thanks for your help everyone

Mandy

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Well done Mandy, you've taken the right steps for you and your family and you'll soon be free and clear of Nat West and the financial pressure they've put you under. You've tried to negotiate with them and got nowhere, so (to be honest) I think you've come out of this with your head held high and your dignity intact.

 

The fact that they're prepared to take your family's benefits shows the levels they'll stoop to just get their extortionate charges from whoever they can. :mad: You've done the right thing taking steps to open another account elsewhere - at least you'll know where you're up to with your money when you haven't got someone taking every penny you've got in charges.

 

Keep going Mandy, we're all behind you every step of the way. You'll get your money back, and when you do.............. I reckon you and your family deserve a blo*dy nice treat!!!

 

Good luck honey, keep us posted, hedgey xxxxx :p

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I will send the letter because the incapacity people said they weren't completely sure if they were allowed to pay by giro apart from in exceptional circumstances and thats our main benefit so i will have to be sure with that one.

 

I must say we've never had any dealings with the benefits agencys before dp got signed off work and between them and the banks you really are left with practically no dignity whatsoever. I can't believe how hard it is just to open a normal current account, with no monthly fee, just to pay d/d's out of if you are not employed.

 

It has really changed my views on benefits etc

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The one thing you can always keep is your dignity and self respect. At the end of the day Mandy, you're not getting incapacity because you can't be bothered working, you're getting it because you genuinely have to claim it. They won't give it away like they used to. It's there when there's a genuine need - so don't let anyone make you feel otherwise.

 

Just hold on to your dignity, and never sink to their level. At least that way you'll always know you're the bigger person. And if you want my opinion, you already are the bigger person as you've dealt with everything the right way.............. whilst they've dealt with everything unprofessionally!!!!!

 

And as for the bank account, try one of the basic bank accounts that the banks are offering - some of them come with D/D facilities (think it might be Nationwide who offer that one???). But above all, don't worry - you've nearly got it sorted now and that's the main thing. As long as your benefits aren't being swallowed by bank charges, you can get yourself sorted.

 

Keep posting on here............. we'll make sure you keep your dignity - way more than the banks have got as well!!! Love, hedgey xxxx :p

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I'm so glad to come accross this thread because I am also going to start another claim. I'm on a low income and found myself in the cycle all over gain and felt really depressed two days ago when I realised that I would be charged yet again at the end of the month. I spoke to them on the phone and they send under no circumstances would they refund me or stop the charge. Like you, they said I should manage my account better....They are so heartless!

Did you sign anything when you were given back the charges? The guy on the phone hinted that I had agreed to the charges and would not take them to court. I will have to look at the documents and see what I signed.

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