Jump to content


  • Tweets

  • Posts

  • 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
Ellie41

Have Received No Interest

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4723 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

Recommended Posts

Hi

Can anyone help please. I have a Bank of Scotland account but where do I send my DPA request. Is is to the Bank of Scotland or Halifax?

If it's to the Bank of Scotland, do I send it to their Head Office in Edinburgh or my branch.

Thanks.

 

Ellie

Share this post


Link to post
Share on other sites

Hi

Can anyone help? I have a Bank of Scotland account but where do I send my DPA request. To the Bank of Scotland or to the Halifax?

Thanks.

 

Ellie

Share this post


Link to post
Share on other sites

To the Bank of Scotland. I'd send or take to your local branch, but either really


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Share this post


Link to post
Share on other sites

I sent the BOS to my own branch and I have a mortgage with Halifax and sent that to the address on the top of my mortgage charge letters. Best to send it to your own branch

 

Kaz


Sent

 

Halifax (mortgage), Barclaycard and BOS DPA letters.

Share this post


Link to post
Share on other sites

Sent DPA letter to my local BOS branch in March - received phone call and letter from Assistant Branch Manager. Statements were mailed to us approx. 4 days later - very efficient I thought. No mention from her at the time of cost of statements. 1 day later another letter from BOS Edinburgh (Head branch?) saying that the statements would be arriving shortly (we had already received them) and stating they would charge us £5.

 

Sent letter asking for refund £833.00 from 1 account and £390 from another. Letter arrived 2 days later from Assistant Branch Manager of our branch saying our concerns were still being investigated. Our copy statements had not yet been made available to her due to the high demand for this service over the last few weeks. Her investigations would be completed in 14 days when she would write to us again. It seems this Assistant Branch Manager does not really know what she is doing.

 

Today, a letter arrived from Customer Relations in Rosyth (standard letter I may add) with another set of the last 6 years statements saying they provide these free of charge although they have already forwarded these to us!

 

Oh, as a gesture of goodwill they are prepared to offer a refund of £110, basically 10%. Will phone them on Monday declining their offer of goodwill and ask for a full refund. If they do not offer this, then we are prepared to go to court. I know that in Scotland I can put in 2 separate claims for up to £750 each claim but does anyone know what happens if you lose the court case in Scotland - are you liable for their solicitors costs etc?

 

Keep going folks.

Share this post


Link to post
Share on other sites

Keep you replies in writing.

 

If their offer was "full and final" then just proceed to the next stage.

 

Looks like they are getting flustered!


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Share this post


Link to post
Share on other sites

Hello Ellie41,

 

It is most unlikey that you'll end up actually in court, however if you do, and it is on the Small Claims roll then you will not be liable for any costs. What to do is add up all the charges, and then use the interest calculating spreadsheet on this forum to work out the interest. Then, starting with the earliest, add up charges + interest until you get to about £730. This lot will represent your first claim. It's likely that when they offer to settle, it will be for the full amount owing. Remeber that you will be treating each and every charge as a seperate and distinct item, and under no circumstances will you entertain any attempt to try to lump them into a single claim. It is best to carry through multiple claims one after the other, rather than all at the same time, or you will be in serious danger of the Sheriff lumping them together and taking it out of Small Claims.

 

One other thing, you should never, ever, speak to them on the phone about these things. What you are trying to do is dead against bank policy, and the chances of anyone in a call centre having the authority to refund you that sort of cash are zero, so why bother? Also, the person in the call centre has had a lot of training in debating with 'difficult' customers, so they will likely be much better at it than you! No Sheriff, Judge, Ombudsman etc., is ever going to think less of you for insisting on things in writing, so if they call it's best just to politely end the call and tell them to put it in writing.

 

Good luck.


Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

Share this post


Link to post
Share on other sites

Thank you both for information. Letter will be sent out on Monday.

Share this post


Link to post
Share on other sites

 

I know that in Scotland I can put in 2 separate claims for up to £750 each claim but does anyone know what happens if you lose the court case in Scotland - are you liable for their solicitors costs etc?

 

 

Have a look here it explains how the legal process for small claims (ie up to £750) works in Scotland

http://www.govanlc.com/chargescourtaction_scotland.html

"If you raise a small claim with a value below £200 there is no award of expenses, and for claims over this sum the max award is £75. This means so long as you act in good faith and pursue a claim for under £200 the bank can't recover any expenses if you lose."


(Yes I work for a bank but am here to help! Please be nice to me! :))

Share this post


Link to post
Share on other sites

Hi

 

I am in the process of starting a small claim summons against Bank of Scotland but I am a bit confused as to the name and address of the defender. The first offer we got was from Bank of Scotland, Edinburgh. The second offer was on Halifax headed paper in Leeds and the last letter was on Bank of Scotland headed paper in Leeds.

 

Do I just put the name and address of my local branch?

 

Thanks very much for your help.

 

Ellie41

Share this post


Link to post
Share on other sites

I would put the BOS head office addy, you dont have to put a name on it i.e Joe Bloggs, just the BOS.


06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

Share this post


Link to post
Share on other sites

I used the Edinburgh Head Office address on my claim, with a line in the claim that stated my account was held at XXXX branch and so came under the local sheriff court jurisdiction.


Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Share this post


Link to post
Share on other sites

Hi Ellie

Have you set up the small claim with the court? If you live in Scotland then you can claim in the jurisdiction of your home as the money is due to be paid to you at your home. I've completed mine with a hearing date on the 27th June in Edinburgh.


06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

Share this post


Link to post
Share on other sites

Hi everyone

 

Goodness me, what a problem I have had trying to log in - am an AOL e-mail.

 

Anyway, issued Bank of Scotland with small claims summon and they have paid us £719.00 plus £39.00 court fee but no mention of 8% interest which was mentioned in the summons. Do I write and ask for it back or just leave it?

 

Thanks

 

Ellie41

 

5 threads merged - please do not start a thread for every question!!

Share this post


Link to post
Share on other sites

I have written to them saying that the claim is not settled until the 8% interest is paid. Have you notified the sherriff court that the claim is not settled?


Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Share this post


Link to post
Share on other sites

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 4723 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
Please fill in your quit date here
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...