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    • Yes, I noticed that.  Too much of a coincidence methinks!  The OP says they never received a LoC and then in the CPR answer the solicitors say they hold a copy of the LoC but don't include it. I think the best thing is not to request a copy but use this against them in your WS - you never received LoC and indeed in their answer to your CPR request (included an an exhibit in the WS) they included various documents but not the LoC.
    • Frustratingly I've got a voice WhatsApp message from my friend but he's misunderstood the situation and thinks it's you who wants to cancel.  Anyway, I've answered asking if I can call him and hopefully the two of us will be free at the same time today to actually speak on the phone. In the meantime I found this on a page I think meant for people/businesses who have listings on Booking.com How can I communicate with guests to inform them about unforeseen issues at my property and initiate a cancellation? If you’re experiencing unforeseen issues and can’t accommodate your guests, you must report this to our customer service. They will support you with the cancellation request and relocation of the guests, if applicable. https://partner.booking.com/en-gb/help/reservations/changes-cancellations/handling-cancellations-and-guests-cancellation-requests#question-153182 So that's what the host should be doing.  
    • Hi ALl,    Would appreciate some advice and support. I went to insure my car with my partner last night and they refused insurance. I checked my dvla license online and it stated I have been disqualified for 6 months. This is due to 2 driving offences that I failed to identify the driver. I moved house a year ago and completely forgot about changing the registered address. This went to court on 14th May 24 and was given a fine for both and 6 points each totalling 12 points and a 6 month ban. I have read a few things online and spoken to a couple of solicitors for a quick consultation and views and opinions are so varied. Some solicitors are charging extortionate money for something that I know takes 5 mins such as the statuary declaration.    I am going to complete a statutory declaration today and get a solicitor to sign and submit this. But is this just delaying the inevitable? what's the likely hood of being able to overturn this and just pleading guilty to the original 2 offences and take the 3 points for each and a fine with no ban? Any help would be much appreciated, I have been sent the papers by the courts today so have this to hand. Looks like I'm only being charged for the failure to identify and not that and the speeding offence if that makes any difference.    R
    • Again, in the second letter in post 39 upload, they say they "hold a copy of the letter of claim". BUT, they didn't include it... Hmmmm!
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Bank charges which have been refunded at the time


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Apologies if this post is similar elsewhere - I've had a hunt and can't find anything...

 

I have amassed about £400.00 in bank charges in the last six years. However, about £200.00 of these have been refunded already, after pleas to my bank at the time.

 

Since the early days, my bank has changed hands and no longer refunds ANY charges...

 

Would it be immoral, or more to the point, would it be beneficial for me to claim the full £400.00, hoping they won't notice the £200.00 they've refunded on separate occasions.

 

Worth a shot?

Townie living in Kinghorn, Fife!

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Would it be immoral, or more to the point, would it be beneficial for me to claim the full £400.00, hoping they won't notice the £200.00 they've refunded on separate occasions.

 

Worth a shot?

Quite possibly immoral, illegal & fraudulent! Why ruin the chance of recovering the £200 they owe you by being greedy?

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Personally, I wouldn't. That would be fraud and the records that were transfered along with the bank would soon show it up.

 

Stick to claiming what you are entitled to otherwise you will be embarrassed.

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Thanks guys - I thought (and feared) I would get that sort of advice. If I get my £200 (I think its more like £250), I suppose I'll be happy.

Townie living in Kinghorn, Fife!

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Apologies if this post is similar elsewhere - I've had a hunt and can't find anything...

 

I have amassed about £400.00 in bank charges in the last six years. However, about £200.00 of these have been refunded already, after pleas to my bank at the time.

 

Since the early days, my bank has changed hands and no longer refunds ANY charges...

 

Would it be immoral, or more to the point, would it be beneficial for me to claim the full £400.00, hoping they won't notice the £200.00 they've refunded on separate occasions.

 

Worth a shot?

 

I'm sorry but that is a really stupid idea. Do you want to end up with a conviction for fraud? This site was set up to help people claim back unlawful bank charges. It follows that we would not encourage or support anyone in making a fraudulent claim. I suggest that you rethink your position.

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A lot happier than you would be if found to be a fraud.

 

:D :D

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Jeez - hit a nerve!

 

Was just asking to see if it had been done before.

 

The first letter I had written anyway requesting bank charges from my account did not show the charges being refunded - I had to ask again for this... so if I had replied to their first batch of statements with a claim, I would have been acting on info they gave me!

 

But position has been decided - will claim my real amount owed.

Townie living in Kinghorn, Fife!

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Would it be immoral, or more to the point, would it be beneficial for me to claim the full £400.00, hoping they won't notice the £200.00 they've refunded on separate occasions.

 

Worth a shot?

 

I am surprised that you don't recognise why there might be a problem with asking a question like that in that way.

 

In any event I am glad that you have decided not to this.

 

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