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    • Which fees are your referring to, can you link to the page? There shouldn't be a fee to submit either form. These are links to the TE7 and TE9:   https://www.gov.uk/government/publications/form-te7-application-to-file-a-statement-out-of-time-extension-of-time-parking https://www.gov.uk/government/publications/form-te9-witness-statement-unpaid-penalty-charge-parking   You will have to submit a TE7 and TE9 for each ticket. You will also need to have grounds to appeal for each ticket, not receiving the notice to owner is grounds to appeal. But you said that you received a notice to owner for one PCN and binned it, that is not a good ground to submit a witness statement   It also indicates that you were parking where you shouldn't have been and ignored one ticket at least. Claiming that it's impossible to incur all of those tickets in one day is also not a good argument. It's possible if the tickets were issued at different times of the day with enough travel time inbetween tickets. Have you ever parked where the tickets were issued?
    • Think you need to keep mortgage company informed of income changes, if you have simply informed of change to employment. 
    • well £4k is a lot of electric for one year so I would assume you had arrears for many years? they mention an invoice they sent you in 2017. have you got that? I bet some of the bills were estimates too unless you were giving them regular readings or you had regular meter readers call and do it themselves?   but anyway, via the CPR 31:14 they will have to produce them all    
    • 14 days used to start from date you received the policy documents, but if you bought it online, it is 14 days after the start date.   Agree that if they are coming back to you two days after the cooling off period, then that is treating you unfairly. They had time to come back to you, before the 14 cooling off period ended.   Make a complaint and advise that you will ask the FOS to review the matter, if they can't offer a satisfactory resolution.   Have you obtained a quote based on 6 year licence to check difference in premiums compared to 7 year licence ? Might be worth doing so, with a view to informing you whether it really is another £185. Sometimes the extra amount in these situations include admin fees.
    • She hasn't been paid since 12th of April from her last job  and was then paid on the 15th of may from her new job and will be paid the 15th of each month thereafter 
  • Our picks

    • 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
        • Like
      • 0 replies
MARTIN3030

Wanted ; RBS terms and conditions

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4373 days.

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.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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If you have any RBS T&Cs can you please post here with details.The older the better.

In addition if you have other account Terms and conditions please let us know.

You can post here or pm a Mod or Sitehelper.

 

Thanks


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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In my recent letter to Cobbetts I have requested my original T&C as well as any amendments between then and now.

 

If Cobbetts do actually comply, though I rather doubt it, I will of course publish them.

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I have RBS T&C's from when I opened my Royalties Gold a/c approx 2000/01 (there are the following figures on the back of the brochure: 04/00, I assume this is publication date) 6 pages of smallprint though and alot of it is about membership benefits (huh!) I will try to scan them onto the thread (any tips?) alternatively if there's anything specific you want i'll try to answer asap.

SM:p


Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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I don't know if it's of any relevance or can be used to our benefit, but looking through some old bank paperwork I found at the back of the filing cabinet I discovered a letter from 15 May 2001 where my local branch manager had written to me explaining about the charges involved in bouncing a direct debit. It's the wording find interesting...

 

 

In respect of Bank Charges whilst I appreciate that you are on a fixed income and that you cannot afford to pay bank charges, you must also realise that it is your responsibility to remain within your overdraft facility and if funds are unavailable then the Bank has the right to return items unpaid for which a charge is levied.

I don't know about you, but given that "levied" means "an imposing or collecting, as of a tax, by authority or force" I see that as a description of something that is punitive in nature and given the the use of "charge" rather than "fee" my understanding of the branch manager's words is that he wasn't offering a service, he was extracting an amount from my account as punishment for exceeding my overdraft limit.

 

I've also found another letter from 12 December 1996 where the sentence used was

"A charge of £30 has been levied against your account to cover the cost of returning the items.

... or am I just being pedantic :D

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I don't know if it's useful or not, but I just found a Royalties T&C from around 1989 (I think!)

 

I've created a text searchable PDF from it that people can download from my server should they wish.

 

http://www.britcom.org.uk/cag/Royalties_T&C_circa_1989.pdf

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Has there been any progress with this as need a copy of old T&C's by monday

 

skb


Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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bump


Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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you could check out Mcuth vs RBoS - he won some tiome ago now - so his old thread should be in the "settled claims" section........

 

I know there were a load of weblinks on his thread....

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