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    • Normally, if a Bank account only has incoming benefit money, which is to cover essential living costs, then the Bank should allow access to the benefit amounts.   You need to go back to the Court, make an application to look at your financial position to pay the debt and establish that the account frozen only contains benefit money for essential living costs.    
    • I was paying for repairs because i needed to use the car and nobody else was going to pay for them.   I've taken plenty of photos. BCA coming to inspect & collect today.
    • Thank you so much for your advice. I contacted them, explained the situation & they have cancelled it for me 😊
    • I recently had the misfortune to return a faulty item to curry's.  Day one lets call it i returned the item to the store and asked for a refund and was refused due to not having a receipt, I escalated the issue to the duty manager who also refused the refund who insisted I needed a receipt and the documentation I had withy me was not acceptable.  I asked him if he wished to check his position as I believed he was in breach of my consumer rights. he refused, So I left to check up on my rights to return the item. After checking I was indeed correct I returned to the store the next day and again asked for a refund and again refund refused by the same manager as before. At which point i asked him if he would confirm in writing why he was refusing to issue the refund again he refused. at which point he said "I could get the police to have you removed" to which I replied that he was in his rights to do so. Police arrived and asked what the issue was I explained that store would not refund a fault item  and was informed that it was not a police issue so they could not help me, but that they would like me to leave the store to prevent a breach of the peace. I responded that If I had been asked to leave the store I would of done so, but as I was never asked to leave I had remained trying to get my refund. As I was exiting the store the manager informed me that I was not welcome in any curry's/pc world stores again and would have to take my issue up with head office.   I have received my refund and had acknowledgement from the curry's ceo team that the documentation I supplied on 2 occasions was all that was required for a refund. They have offered compensation for my time which I have refused as i believe that there is a larger issue here than money.   This below maybe wrong ..hence me asking here. If I was a member of one of the protected groups as defined by the equality's act the burden of proof for discrimination cases falls on the shop owner to prove I was not refused service because I fall into one o0f those category's .(  I am in one of those categories , but its irrelevant ) But if I did not fall into one of those categories the store manager or any employee can refuse access to the store or stores because lets say I was wearing a pink tie on that day and he was offended by the colour Pink and there is no legal or civil recourse. I understand a shop is private property and they can refuse access, but I cannot believe within within English law there is zero recourse for an individual who feels like they have been discriminated against unless you fall into protected category under the equality's act as that seems to fly in the face of the whole purpose of the act was was to provide equality for all. Sorry for the long post.   Could someone point me to where I can find more information on the rights to access a shop and there rights on refusal as it seems to me a change in law may be required. As being refused access to a store because the manager cant do his job seems a little extreme to me. Is it possible to take civil action against the employee of the store or must it be through the company. Thanks in advance for any replies.  
    • Amazon workers in the US state will get a second chance to unionise in a major blow to the online giant.View the full article
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Another Win - Cuddles v Nationwdie


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do you think its easier (or quicker)doing it this way rather than the other route? i had all my statements ,so have today sent a prelim letter,i have been "declined" an account at tsb,bcoz of my credit history so feel really under pressure in case n/wide close my account.im owed £1600 over 3 years but have a £1000 overdraft so im hoping(and a lil praying)that i win but its only day one and my nerves are frazzled.


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Hi Chrisk7. It was because of the delaying and bullying tacticts that NW were using with me that I held off filing my claim and chose to go the FOS route. Having phoned them today to check they had received my complaint I am now expecting to hear from NW in the very near future and hopefully I will soon have my money back. I will post progress reports as I get them on the thread I started today. GOOD LUCK


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  • 2 weeks later...


I've just commenced a complaint with the FOS against Nationwide, basically that they owe me over 11,500 according to my spreadsheet. I was on the stage of sending an LBA but opted for the FOS route, provided I made a proper complaint rather than just saying I wanted my money back.

I was wary that the FOS may be deluged by the whole bank charges groundswell, and possibly that they would try to discourage folk unless they had a complaint other than the stock 'I want them back' one - i.e. if there were obvious failings from NW.

So, I wrote several reasons why NW failed me - lack of response, losing letters, non-compliance sending statements, missing info, deliberate timewasting etc. Also added they ignored my 'goodwill' gesture of a set sum inr eturn for quick settlement. Finally, stated I had no faith NW would act competently or in good faith to resolve. Also wrote a cute letter to NW and enclosed that, telling them I was faced with no action but follow FOS route. Demanded payment in 7 days of the full sum, or 14 days of the contractual interest sum.

FOS have acted very swift - 4 working days from initial conversation, including return of their form, to processing 7 contacting NW - let's just hope NW do the right thing too!

Cheers tricky for bringing my attention to this

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