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    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
    • never get a cca for a debt of that age when was the last payment date?   dx  
    • i have shrunk the uploads earlier as they exceeded in total your upload limit try now in pdf.   BTW: the file a few posts up renamed burlington comms is very damning for them they knew they had done wrong having just read it.   now this subject needs addressing and sorting. where has all your available income been going for the last 12mts...why has this debt not been paid and why did you resort to even taking out an LBL in 1st place..usually its as a result of shear desperation and financial mismanagement as you could not get money elsewhere ...why ?   this debt is a priority ...2nd to everything other that what keeps a roof over your head like mortgage , rent. CTAX. gas/electric.   mobile phone/sky/broadband/credit cards/OD's/catalogue debts or accounts and anything else you payout for needs to be either cancelled or dropped to <£5PCM..they can't do anything to your roof or your car.   spill the beans..why were you in such a whole in 2018 that you ever had to goto these sharks and expose yourself to this grief..          
    • For general info, I have a Life Fitness treadmill which has been in my garage for the past two years.  It cost around £2k so in the same ball park as yours.  It was installed for us by professionals and there was no hint that it is an unsuitable environment - because it isn’t.  The gym I use (when I can) is even less salubrious than most garages, think bare aircraft hangar rather than carpets and smoothie bars.  It is not heated.  It has a range of top end cardio equipment all working just fine.        
    • i'd be sending them an sar get all the details and see if his bank has proof of BT cancelling the DD too. then p'haps we can make a complaint......   £800/12 is about £67pcm - thats an expensive deal if this is for BB only and not phone as well & at what speed - i'd expect >70MPS for that deal...was it.?   the issue here is if it is for phone as well BT won't release the line till the debt is cleared if he wanted & should switch - to say vodafone at <£30PCM for the same deal.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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There was one point in the interview when he paused and looked incredibly uncomfortable. It was when he realised that a) he was being held to account and b) he was completely unable to control or dictate the interview.

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Only caught half of it, when my friend (who isn't on this site, but is chasing Natwest) got a phone call from someone telling him about the show. We immediately paused Halo and watched. Looks like there's no stopping this change now.

 

I noticed that, once again, we're having the threat of "no more free banking" waved over our heads, whilst being told we're really lucky to have it, along with "good rates of interest" (cue my buddy making a faint choking noise in utter disgust). Exactly which countries charge you for banking? I desperately want to know, since every time the free banking thing is mentioned, they never say, "hah, well in Suchandsuch they have to PAY to have a bank account."

 

I'm beginning to think the whole thing's just a scare story the banks have cooked up to try and get those people who haven't incurred charges on their side.

 

Anyhow, congrats to Dave, BW, and Lisa. To quote a Mr Flav: "Fight the power."

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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I noticed that, once again, we're having the threat of "no more free banking" waved over our heads, whilst being told we're really lucky to have it, along with "good rates of interest" (cue my buddy making a faint choking noise in utter disgust). Exactly which countries charge you for banking? I desperately want to know, since every time the free banking thing is mentioned, they never say, "hah, well in Suchandsuch they have to PAY to have a bank account."

My parents in Italy are charged 1 euro for a standing order, 1 euro for a cheque to clear, 1 euro for a statement (plus 67 cents for postage of the statement). The figures may not be quite accurate.

 

I don't think it would happen here, but we are very lucky to have free banking.

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My son also saw it.... he has been holding back to see how my claim works out, but having seen the program he now wants me to sort a claim out for him. :D :D

 

Dito for my wife...dpa sent today :D

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I think this may be a turning point now - The amount of claims likely to flood the banks means they will have to decide whether to just pay all of them or start defending all of them. Either way it shoudl be interesting to see what happens.

 

A small note, especially for the mods and other people who help newbies - I noticed Martin didn't mention when he said about the four steps that the request for a list of charges from your bank should be done as a DPA request.

 

I sent him a message in the hope he might be able to put something on his forum just to make people aware, as if people don't state this they will end up paying the standarc %5/statement charge. It's worth bearing in mind - I can imagine hundereds of people this morning hastily knocking out letters to their banks and not mentioning the DPA.

 

I know it's in the FAQs but you know what some people are like about reading them!

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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I must say I was really looking forward to this and it did not disappoint.

 

A few points:

 

A. I was genuinely touched by Dave when he mentioned that he didn't have money to buy his daughters shoes. It is horrible when as a Father you feel you are unable to provide for those that depend on you. Dave is an absolute legend for sorting this site out and getting the ball rolling.

 

B. Big respect to Bookworm for not accepting the money with conditions. Secondly, I would not like to cross her if I had upset her !

 

C. I am so glad that Lisa stuck in there and got her money in the end. Also, you are absolutely stunning ! x (sorry, just had to tell you)

 

D. That geezer from the Bank of England who sounded like Sean Connery. What a Plum ! It was obvious he was lying through his front teeth, he has to stick up for the banks that line his pockets some handsomely.

 

On another note, as the Mods are going to find this hard to help everybody, why not appoint individuals with a greater knowledge than most for each bank/institution as a sort of forum buddy to point people in the right direction ? This will ease the burden somewhat for the mods to keep repeating themselves. Inevitably, some people will come on here and not want to put the effort in and as soon as they have their money they will never come back ! Just an idea !

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There was one point in the interview when he paused and looked incredibly uncomfortable. It was when he realised that a) he was being held to account and b) he was completely unable to control or dictate the interview.

 

I noticed that too. He really isn't the best spokesman they could have chosen is he? Poor sod, I almost feel sorry for him. He probably doesn't agree with the charges either, but has to say what the banks want him to say.

 

According to that woman (who's name I forget), we have excellent banking in this country!!??

 

Well, I suppose she's quite right. I love not having access to my own money; I love having to wait 11 days (yes, I had a cheque from the IR take 11 days to 'clear'). I also love having to pay to use cashpoints most of the time.

 

I particulary like being restricted to the amount of my own money I can have access to without prior arrangement....and then have them forget about the prior arrangement when I go in to collect the money, meaning that I have to buy a bankers draft.

 

I also love the fact that I can't get to the bank ever because they open within the same time that I'm working - i.e. open at 10am and shut at 4pm. I like that one a lot.

 

I especially like the considerate way in which at lunchtime there's usually only one poor girl behind the counter trying to 'help' people at quite probably their busiest time.

 

Anyway, sorry - rant over.

 

PS. Who said I was young? Thank's very much - I don't get called 'young' very often these days!! ;-)

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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C. I am so glad that Lisa stuck in there and got her money in the end. Also, you are absolutely stunning ! x (sorry, just had to tell you)

 

Seconded - On both points :)

 

D. That geezer from the Bank of England who sounded like Sean Connery. What a Plum ! It was obvious he was lying through his front teeth, he has to stick up for the banks that line his pockets some handsomely.

 

Oh yes - he looked so uncomfortable.

 

On another note, as the Mods are going to find this hard to help everybody, why not appoint individuals with a greater knowledge than most for each bank/institution as a sort of forum buddy to point people in the right direction ? This will ease the burden somewhat for the mods to keep repeating themselves. Inevitably, some people will come on here and not want to put the effort in and as soon as they have their money they will never come back ! Just an idea !

 

This is a great idea - I was on the forum when the programme was on and watched it fail miserably to handle what must have been a huge amount of hits. That's good because of the amount of interest - people must have been sitting at their computers waiting for a website name to be given out!

 

I think at the time about how busy the mods are going to be for the next few days in addition to all the hard work they already do.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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A small note, especially for the mods and other people who help newbies - I noticed Martin didn't mention when he said about the four steps that the request for a list of charges from your bank should be done as a DPA request.

 

True, but the banks know that there's no way they can win with the "manual intervention" argument, so although it's advantageous to have this to aid your defence, you may be ok without it.

 

You've just reminded me of the one tiny criticism I did have of the show - when Martin was stating what the steps are, he said after you've sent the prelim and LBA you then need to decide if you want to take the case to court. You should be prepared to go to court from the beginning in my opinion, and the more people who drop out between the LBA and court stages the harder it makes it for us because the banks will keep stalling hoping people will give up.

 

Other than that though it was an excellent show!

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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True, but the banks know that there's no way they can win with the "manual intervention" argument, so although it's advantageous to have this to aid your defence, you may be ok without it.

 

Sorry - I didn't make my point clear. I wasn't talking about the manual intervention bit - I was thinking about the odd person who posts on here after being charged £600 for re-printed statements because they didn't mention the DPA properly in their request!

 

Dave - The woman was the financial editor for the Times. I thought it was quite good that she seemed to be on our side, although I bet their articles would never go as far as actually saying the charges are unlawful.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Sorry - I didn't make my point clear. I wasn't talking about the manual intervention bit - I was thinking about the odd person who posts on here after being charged £600 for re-printed statements because they didn't mention the DPA properly in their request!

 

Dave - The woman was the financial editor for the Times. I thought it was quite good that she seemed to be on our side, although I bet their articles would never go as far as actually saying the charges are unlawful.

 

 

Probably not...........because how many Times readers are bank shareholders ???????

 

On a different note very slow here today anyone else noticed ?

 

Took me ages getting logged on............almost as long as getting a reply for my dpa request !!!

 

Good morning Chrismc........

 

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I made a crucial decision last night - to miss Enders for a change :-(.Hubby has been aware that I was following this cause but has never really been 'boverred' (Sorry). Last night, for a change, he was shouting at the tv (normally me to football players & refs), in agreement & he wasn't very complimentary about the BBA chappy.So now he's well & truely convinced that this is a WONDERFUL cause. Well done to Dave, Bookworm & Lisa.

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Guest Alison82

WOW amazing show! if only it was longer. It was great to put a face to the names hi dave and bookworm and lisa! :)

 

I have now convinced my mum to get her charges back which I will be doing for her.

 

The banks should be squirming now! what we want is true, realistic, amounts for charges such as £2 max!

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Well, I suppose she's quite right. I love not having access to my own money; I love having to wait 11 days (yes, I had a cheque from the IR take 11 days to 'clear'). I also love having to pay to use cashpoints most of the time.

 

Is this the one you mentioned ages ago, where you called up to complain, and the woman told you that they "had to ensure you were owed the money" or some such nonsense? I'm waiting for £110 from the Revenoo myself at the moment. As soon as it arrives, it's moneyclaim time.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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Is Lisa Dudek, who was also featured one of our members I wonder.:D

 

Hi, yes I am

 

Lisa

HSBC - Default Judgement - £4892

HSBC, PA 29/3/06 LBA 12/04/06

HSBC, Court Claim Filed - 26/04/06

Lloyds - Claim - £625

Lloyds PA sent 16/05/06

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I txt'd all the people in my phone book who I knew would benefit form the show - and some naysayers too! :p

 

I was sooo excited about the show, and when I saw Consumer Action Group in the opening titles I was beside myself! LOL

 

Couldn't get on to the site last night - but this time I wasn't disappointed. If it meant a newbie could access the site to gain knowledged to claim back their charges then so be it.

 

I loved Martin's enthusiasm, and I thought that the show on a whole was very good. I too thought Dave looked a lot younger than I expected (cute kiddies too!), and found myself checking behind him for water damage to the walls (sorry Dave! 9.gif).

 

I didn't realise that was Bookworm. Hi Bookworm!! 103.gif, and like most of you, I too thought Lisa was a bit of a "stunnah!!" Nice House too!

 

I'm happy to help out with the newbies and I think that Surreyscouses' idea of having "helpers" for each forum is an excellent idea. I'm more than happy to volunteer!

 

And last but not least - I'm not even going to mention that bloke with the hairspray and perma-tan bleating out feeble excuses and trying to justify their "organised crimes" 37.gif

 

Dave, BF, Steven and all you Mods - A big Thank You for EVERYTHING!! 41.gif

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Hi, yes I am

 

Lisa

 

Hi Lisa - You did a great job telling your story. I think you're missing out - you should be a TV presenter!;)

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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***Blush*** - thanks

 

I thought that the program was put together really well - Well impressed!

 

Well done to Dave and Bookworm too don't know if you were as nervous as me!

HSBC - Default Judgement - £4892

HSBC, PA 29/3/06 LBA 12/04/06

HSBC, Court Claim Filed - 26/04/06

Lloyds - Claim - £625

Lloyds PA sent 16/05/06

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POWER TO THE PEOPLE!!

 

Excellent show, I almost missed it :oops: but my mum rang me and told me so only missed a bit!.

well done to Dave Bookworm and Lisa,

 

The only bit I didnt like which i think someone has mentioned before was Martyn Lewis 4 steps, about the court bit, if I didnt know much about it that would of scared me!. But ive been reading this website with interest, so nope not scared anymore, but other than that a great show.

 

I will gladly help all newbies and the idea of having helpers on each bank

I put my name forward. This website seems to be slow this morning it takes about 3 minutes to turn a page lol, wonder why?????

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Great programme guys and well done to everyone who was involved, nice to see the other side squirming for a change he he :)

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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I thought the whole program went about as well as it possibly could for us. Martin was very good, the guy from the BBA was a delight to watch - no way would any normal person have believed a word he was saying. When he tried to say that the banks have various costs, and it does cost them all this money to administer a charge I was literally swearing at the screen. What a bare faced liar!

 

I loved it when Bookworm was telling us about when the bank wanted confidentiality and she told them to get stuffed :D

 

Dave, Bookworm, Stephen and Lisa, you were all a credit to the site and showed that this whole thing is just normal people wanting their money back. (the comments on your looks are fully justified Lisa, 'wow' was the thought that sprung to mind! :) )

 

All in all fantastic work, I couldn't get on last night but I knew it would be because of the amount of hits the site would be taking, which is great news for us all.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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Yeah...funny how, if they do have these costs, they can't disclose them. I would have thought that by now it would be in their best interests to actually sort out a breakdown of the costs if they were genuine.

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

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