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    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
    • So I received a further letter and a phone call from Ruthbridge yesterday offering a 70% discount and through a lot of waffle go on to say verbatim (I hung up the phone without admitting who I am):   "If you fail to contact us... we may return the account to our client (cabot?) who may look at alternative activity"   I'm guessing they know it's SB then as there is no reference to court, however they do state that the credit reference agencies will be updated to reflect "partially settled" should I take advantage of their offer - there is no HSBC/Cabot/Ruthbridge account showing on any of my credit reports.   DX apologies if you take it as I am being difficult or dim, however I remain concerned that the CCA request does not contain the words "I do not acknowledge any debt" or similar and because only a debtor can apply for the CCA (as I'm led to believe) then sending for this in 2015 has reset the date of acknowledgement of the debt - has this ever been used by a DCA as an acknowledgement of the debt?   Furthermore with the 2015 letters and 2020 letter having completely different amounts allegedly owed and reference numbers that differ from the original letters from Cabot and the CCA supplied back in 2016 this is giving me a further level of concern over the best course of action.
    • Hi everyone   Just want to say hello as a new member. Looking forward to reading, learning and hopefully participating in the forum.   C
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chubbas dad

chubbas dad v reliance & fester

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:lol: omg 501 now lmao :confused: still no cash ............ no bike................... no fun...................:grin:

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:rolleyes: i want to ride my bycicle.........i want to ride my bike...............

 

 

 

pay up a & l i wanna get out there this summer,mr wraggee tell um chubbs is hungry for tarmac. :lol:

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:confused: how do you lot...........sorry aint bin about for a while.well 3 monyhs realy :eek: so what have i bin missing ?? who has bin missing me ??? are we getting anything done ? or are we all just milling about on here ??:cool:

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hiya hun, i've missed ya!!!! Nothing to report as far as i know but i've been a bit awol too :( not had a look around in a bit .... jenny x

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hi jen............missed u 2!! i have had a little look about and nuffin much is doing. god i want my pennies . i still have no bike so im still down in the dumps..:lol:

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good day one and all,

 

the chubbs in dah house once more.....:D

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daddys home again,:D.this is becoming a habbit, i keep forgetting to look back and post lmao.:-( feeling a bit sad now as they still owe me money and my job is on the line, what with the credit crunch and all.i wishh they would pay up soon as it would help me out of a hole!!!:-(

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hi you too.

 

Have you checked the most recent qualification for hardship claims?

 

We have had some successes on anther site.

 

did you see the post about proposed group litigation?

 

jan

 

still hovering


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi Jan, hope u are doing ok xx

 

Hardship doesnt apply really....i am coping ok, better than some, its just normal day to day costs with 3 kids and a home to run lol...just wish we could see the light really!!

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yes I agree its dragged on long enough. Maybe they were hoping everyone would forget about it. But now with the credit crunch people need the money more than ever. Just seems so unfair that they can continue with the charges while the case goes on.

 

Nice to see you are still both about !


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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howdy pardners...........:)

 

 

still have a job ,

 

still fed up,

 

 

still want my money,

 

 

someone do summit and get it sorted plz.

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:( god i just realised i have been at this for two yrs. am i wasteing my days away on a pipe dream?:|

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hi mate!!! big news hun, banks vs oft in court tomoz at 10....should hear something xxx

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:D take that banks,squirm all you like, the lords aint gonna be daft enough to allow another appeal are they?....have a taste of how it feels to be "f****d over and not able to do much about it" welcome to the real world you bankers. the gravy train has just run dry (i hope) :-)

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:eek: and hi jen didnt see your post till i posted.how u doin sweety?:-D

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hiya hunny, doing ok ta chick n how r u? just more waiting now lol like were not used to that!!

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:-x right thats it" i av ad enough" i have just recieved a default notice on my account, yes the one that i am in dispute about bank charges.i have gone £17-64 over my overdraft limit because the bank charged me £35-00 for last month.talk about phizzed off.i called a&l and asked about the charge and the default notice and was told "pay it by the 18th or incurr more charges....................i asked nicely if they would pay me what they owe me so i could pay them and was told "thats not gonna happen mr chubba" so i said "you wont get paid, and ill go have a little chat with the nice judge smith in my local court ta ta for now" i need a template letter link please to send a&l. i have down loaded the n208 and am gonna do the overtime to get the 150 squid to set it in motion.god dam you bankers.life is hard at the min, and with lay offs its harder ..give me a break:!: you are so gonna be sorry u had a go at me grrrrrrrrrrrrrrrrrr:-x

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awww mate, i'm sorry theyre at it again.....its getting beyond a joke now and we're all in need of the cash, best thing is they told the judge they would pay me out...just gotta wait til they have finished there appeals....and bloody A&L are not even part of the damn test case!!!

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I just hope when you both get your charges back you get the interest as well. It is all just dragging on too long


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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im still in grrrrrrrrrrrrrrr!!! mode with a bit of arghhhhhhhhhhhhh!!! ...........just took a look at my account, and as the bank said," pay by the 18 march or incurr" .........its 730am on the 18th and i have incurred,i would of thought the end of the day 18th they would charge me, but no they do it midnight 17th how the fondue is that fair ........or right? i realy have just had about enough!!:evil:

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