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    • Name of the Claimant ? Calderdale College   Date of issue – 16/09/21   Date  to acknowledge) = 04/10/21 date to submit defence = 18/10/21    Particulars of Claim   What is the claim for – the reason they have issued the claim?    1.The Claimant claims the sum of £1042.50 in respect of tuition fees, details of which have been delivered to the Defendant.   2.Payment has not been made and the Claimant therefore claims – 1. The sum of £1042.50 being as to the sum due. 2. Costs.   3.The Claimant has complied with the Pre-Action Protocol for Debt Claims dated this 15/09/2021.   4.The Claimant claims interest under section 69 of the County Court Act 1984 at the rate of 8.00% a year from 30/05/2019 to 15/09/2021 on £1042.50 and also interest at the same rate up to the  date of judgment or earlier payment at a daily rate of £0.23.   What is the total value of the claim? £1394.44   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No  Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Tuition Fees   When did you enter into the original agreement before or after April 2007 ? After April 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? At the college – signed paper.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No.   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. STA International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Received letters from STA International chasing debt.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Was withdrawn by course tutor from the course.   What was the date of your last payment? 29 March 2019   Was there a dispute with the original creditor that remains unresolved? Yes   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the house was empty for 5 months presumably no-one was watching TV there. An empty house does not need a TV licence if the TV set is not in use. And you don't have a legal obligation to advise TVL that a house is empty.   So apart from the other points already mentioned about TVL you weren't committing a TV licence offence anyway!
    • It's a standard disclaimer, potential employers are unlikely to draw the conclusion that you have. Don't worry about it.
    • Big fish. Little fish.   I bought a product that was marked wrong, through misleading information from a massive company and wondered how I should the raise the issue with them that might be to both our advantages, ie. both helping them while maybe being rewarded/compensated.   I'm entirely within my rights to do this and there's nothing unethical about it.   You'd think I was trying to commit fraud for pity's sake. Who has never tried to take advantage of a big company making a mistake?    I used to get free credits from Apple for spotting spelling errors on iTunes.   The company made a mistake and I was sold a product under false pretences! Therefore I'm either getting less than what I thought I was paying for, or I can ask for a refund and several hours of my time have been wasted. How on earth you can turn that round on to me and try to make out that I'm the one trying to do a wrong turn is really quite something.. 
    • The thread was moved because you are asking advice about deliberately taking advantage of someone else's mistake to gain some extra benefit.   If somebody tried to do that to you I expect that you would be very happy and you would say that it was unfair. You would be right. As I've already said, this is not the kind of thing we get into.
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I dont beleive it!! Here we go again!!!


Matrah
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Hi every one,

 

Been happily following the advice found here in the forum, and just opened a nice shiny new A+L 'Premier' Direct Account, (3 months ago). I was having a load of hassle with 1st Direct and their astronomical charges, so opened this as a parachute a/c.

 

Any way had all salary payments and everything transferred over to A+L.

I had previously a £1000 o/d with 1Drct, but A+L only initiated a £350 o/d subject to monitoring the a/c over the first few months making things slightly tight.

 

To cut a long story short on 19th April they honoured a cheque for £10 that put me 52 pence over my limit (an honest, tiny miscalculation), for the luxury of them doing that, i was charged £25, now making me £25.52 over my limit!

 

I phoned them as soon as i saw it (within 24 hours) and they re-credited the £25 straight away. I even told the guy i would put a pound in the account on Monday and he told me not to worry as it wasn't a great amount. All sorted i thought!

 

Not wanting to mess up again, my partner paid in £120 (more than enough) in cash on the 22nd May to again cover two cheques that were due to hit the account. Bugger me, on the same day they applied TWO Unauthorised O/D fees for £25 each, when i challenged them they said they were for the 52 pence over sight last month.

 

They did however "as a gesture of good will" refund HALF of ONE charge (£12.50), and guess what; they paid the two cheques the following day and charged me again a £25 paid item charge.

 

I really don't know what to do if you phone them now no-one one the phone can make a decision, it has to be refferd to a Cust Svc Cntre, they have now written back to me saying "the charges are correct and made in line with other financial institutions."

 

I'm shortly going to get yet more excess o/d fees and no doubt all the other non paid items etc, to be blunt, i'm totally sh****d all because of a 52 pence oversight. Total cost to me so far is going to be hovvering around £150 for 52 little pennies.

 

I would reall like to write them a letter and try and appeal to their better judgement, but haven't got a clue where to start. I don't necesarilly want to start the heavy SAR approach as i don't want to risk losing the a/c so early on.

 

We are emigrating to Oz in September and really need this account as it is the only VISA debit account we have, needing to access funds over there to start with.

 

Any help wouild be greatly appreciated, thanks loads in advance

 

M&S

:D B & Q Store Card *Settled* - £365 (912 AUD)

:D First Direct 1 *Settled* - £1089 (2722 AUD)

:D First Direct 2 *Settled* - £469 (1172 AUD)

:D Goldfish *Settled* - £372 (930 AUD)

:D Barclays *Settled* - £903 (2257 AUD)

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  • 2 weeks later...

Can anyone help with this one as we've just asked for a small extension on our O/D to cover these charges and they've declined us because we've been over (thanks to them), really stuck now!:mad:

:D B & Q Store Card *Settled* - £365 (912 AUD)

:D First Direct 1 *Settled* - £1089 (2722 AUD)

:D First Direct 2 *Settled* - £469 (1172 AUD)

:D Goldfish *Settled* - £372 (930 AUD)

:D Barclays *Settled* - £903 (2257 AUD)

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At he end of the day I do not think that any bank has a better nature so there is no real point in trying to find it to appeal to.

 

As far as they are concerned they have repaid you £12.50 and that is the end of the matter.

 

Therefore why not send them the preliminary letter requesting that they repay all of the charges levied?

 

PPMAN

PPMAN159

 

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I would just start the ball rolling again, forget the S.A.R - (Subject Access Request), if the account is only 3 months old you probably have all the info you need on your statements anyway, and if you don't have them you can go back 6 months with the online banking.

 

Go straight in with the initial request for refund, then LBA and CC them when they refuse.

Nil Illigitimus Carborundum

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Thanks peeps, was a bit worried if they shut the account down as it is the only one with a visa debit card, and we're due to travel.

:D B & Q Store Card *Settled* - £365 (912 AUD)

:D First Direct 1 *Settled* - £1089 (2722 AUD)

:D First Direct 2 *Settled* - £469 (1172 AUD)

:D Goldfish *Settled* - £372 (930 AUD)

:D Barclays *Settled* - £903 (2257 AUD)

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