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    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.  Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.  They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.  As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the seach and attached it to the old past reference number as the complaint was still on their system.  Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!  Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies, I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid, would this then be in line with your calculator?
    • so who remembers this utter cobblers spun by the right wing (which was of course denied by Nissan - as it was cobblers)   https://www.thisismoney.co.uk/money/markets/article-7962367/Nissans-Brexit-boost-Car-giant-secret-plan-close-EU-factories.html
    • If only that was his worst .. absolute peanuts compared to his recent wastes though ..   £500 million to tory pals in failing to collect a couple of hundred spit samples a day £12 Billion on Trace a test which has largely collapsed at the very start of the winter upsurge £88-100 Billion+ on Brexit as of earlier this year just in lost growth (from memory) Over a £Trillion in assets fled to the EU (Including Redwood and Ress Mogg) £288 million a week ongoing for Brexit and post brexit customs bureaucracy - whenever they get the systems running Nissan and Toyota saying UK taxpayer pay any Brexit tariff bills or Plants including Sunderland are unsustainable   How much are the lorry parks costing?   ... and he still REFUSES to feed hungry UK kids  
    • If the windows had already been made and were ready to install, he would surely have offered to do it without further delay.   Instead of arguing the toss with you, why is he not trying to sort a day to install and rescue the situation.   Despite the good reviews for the company, I'm not impressed but see what Bankfodder suggests.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Oh The Audacity of DG


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Hello and welcome to CAG!

There are a few things which are a must for you to do:

  • Print them out for future reference, believe me you will need them.

  • Read the threads in your banks forum, this will give you an ideal insight into what you are taking on.

A few things to remember:

  • This is your money, it took years for the banks to collect it, so don’t be disheartened to find it takes more than a few weeks to get it back!

  • Ask any questions you feel you need, but please remember someone may have already asked the question, so try searching for the answer first.

  • Its your money, your responsibility, your job to get it refunded. We are here to support, guide and assist.

  • If you are approached by anyone offering to do this for a fee, tell them NO and report them to admin / mod. You can do it, we all had to start somewhere and have been successful. You don’t need to lose up to half your money getting it back and you don’t need to have a degree in law!!

A few things you might want to consider:

  • You are a newbie, and as you are reading this, chances are another newbie is signing up. So give a little back and support others when you feel ready to. You can do this by keeping your thread updated so others can read, and maybe offering advice to those who are at the stage you have already completed

  • If you would like to donate to the site once you have been successful, then it would be extremely appreciated, especially by those who we haven’t helped yet….because by donating you are helping to keep the site free.

  • Use our links to go to other sites; we currently have links to amazon, u-switch and a general search engine. This really helps.

Thank you for joining CAG, and good luck

  • Haha 1

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Guest ChloeJane

Hi there!

 

Welcome to the forum!

 

There is a lot to take in and it may appear daunting, but don't be put off!

 

The first step is an easy one and unless you have the 6 years statements already - here is where to begin.

 

Step 1.

 

Get your information! So you know what to claim.

 

You do this by easily following templates by copying and pasting them to suit you and your details.

 

1. Data Protection Act, Subject Access Request letter - List of charges

 

Click on the link above and you will go to a template that will be to request your data and information from the bank.

 

You can than spend the 40 days waiting for the information but can look around at what the tiimetable will be and what steps are next.

 

A great link is below which sets out a sample of the process. The links are on the right.

 

www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

 

Chat -- is a great way to ask questions instantly! so come on in and meet new friends and find support.

 

Look me up if you need more help! Step 1 is the letter.

 

All the best with your claim.

CJ

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Thank you for the welcoming email, and the advice in it...........I am totally usless with computers and their terms and uses, I have been looking ath the HSBC forum and cant see how to start a new thread............ or am I being dim?,,,,,,,,,, auburn

rockin all over the world

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Hi all, I am new on this site, and gotmy initial info from mse...... used their template and charge calculator, wrote to the bank , got a response ot the first letter...usual response, we are not admiting liability or anything but offer you xxxxxx which was !,500 short of the amount clained... then filed via money claim.

 

Just having found htis site I think perhaps I have made ahuge error, we did nto include the list of charges.........

 

Having read this site for th epast 3 days solid, if I hand a letter into the court in the morning asking for this to be added ot my poc will that be ok?

 

midnight tonight was the end of the 28 days but they subbmited a defence on tuesday........... so is being transfered to my local court...

 

any and all advice would be grately appreciated............ thanks auburn:confused:

rockin all over the world

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Guest louis wu

Hi,

 

I know this site can be quite confusing:confused: , especially when your new, but try to stick to one thread, otherwise you'll get all different advice and you won't know where you are.:)

 

Louis

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Hello Auburn.

 

I have merged your threads for you. :-D

 

All the best with your claim.

 

Crusher :-D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Arghhhhhhhhhhhhhhhhhhhhhh I think I have made a huge error, was jsut checking the POC and have noticed right at the very end I have entered THE CLAIMANT ASK THE COURT TO ENTER A JUDGEMENT IN THEIR FAVOUR FOR £3999.83 PLUS INTEREST TOTALING £818.33........

hAVE JSUT REALISED THAT THE 3999.83 WAS THE TOTAL INCLUDING INTEREST !!!!!!!!!11 DO i NOW HAVE TO CHANGE THE PARTICULARS OF THE CLAIM? AND HWO DO i DO THIS...........:confused:

rockin all over the world

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Arghhhhhhhhhhhhhhhhhhhhhh I think I have made a huge error, was jsut checking the POC and have noticed right at the very end I have entered THE CLAIMANT ASK THE COURT TO ENTER A JUDGEMENT IN THEIR FAVOUR FOR £3999.83 PLUS INTEREST TOTALING £818.33........

 

hAVE JSUT REALISED THAT THE 3999.83 WAS THE TOTAL INCLUDING INTEREST !!!!!!!!!11 DO i NOW HAVE TO CHANGE THE PARTICULARS OF THE CLAIM? AND HWO DO i DO THIS...........:confused:

  • Haha 1

rockin all over the world

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I would give the court a ring to get their advice on this

PPMAN159

 

If this comment has helped please click on the scales.

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Guest ChloeJane

Hi there!

 

Firstly breathe!!! It can be fixed!!

 

Ok - you can ammend your particulars of claim easily!

 

The Court will advise that you need to do this on an N244 application form.

 

It will cost £35 - and is a very simple process.

 

I cannot see where you have made the error in the particulars of claim but am sure its easily fixed by following this process.

 

If you send a message, I will happily forward over a template of the form you need to use with a new link to copy and paste and the particulars of claim.

 

CJ

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Hi all, another newbie, just having a look about at the moment, I have 2 friends who are claiming their bank charges, so I have been passing advice on from MSE, 1 is at the going to court stage, but she has to find the £120 fee 1st, & the other has not recieved her statements within the 40 days, so she is getting in touch with the Information commisioner. It's good to be able to learn from others experiences, but it seems that the banks are now changing tactics? HSBC & Barclays are the banks involved here.

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Sorry Ruby, maybe I am being dense here, but I do not follow the last part of your message, I am claiming from HSBC and not Barclay's and coudl you explain how thye are or have changed tactics?:confused: :confused: :confused:

rockin all over the world

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Guest louis wu

Auburn, don't worry about the change of tactics, I think you are well beyond the stage that ruby is taliking about.

 

Just concentrate on getting your N244 completed and then waiting for further instructions from the court.

 

Louis

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Sorry Auburn I was speaking in general terms, not as a reply to you directly, my friends are dealing witn the HSBC & Barclays respectively. I am just looking at all the threads to find more information to help them.

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Phew thanks for al lthe help, calle dthe court but they said no it was fine, the interest was added on at the end once judgement has been given........ I have to fill out s form! and add the interest at that time.....

 

As for the rest, have done as latarlus has suggested nad sent nudge letter to DG and called them no reponse, also the update to the bank again no respone...... got a copy of the court transfer to my local court on Saturday 11th May and have calle dhte court this monring and it has been listed for the 7th August at 12.00 pm........

 

Grrrrr bit annoyed that they have been given a further 3 months to draw this process out...... am going to send a nudge letter today, informing them that we now have the court date........

 

so suppose tis time to start compioling the court bundle.......... :)

rockin all over the world

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Crusher when you say oyu have merged my threads exactly what doe sthat mean. sorry for being thick here.............. and do i have one in my own name against hsbc? and if so how do i find it to update it? ..........

 

sorry but not the brightest when finding my way round hte site....... thanks for al lthe help so far everyone

rockin all over the world

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Hello Auburn... I will move your thread into HSBC for you... then the experts in there can help you.

 

Be kind to auburn latty/pete/netty/pink.... :-D lol

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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