Letter 3 - ignored/no response

[kennythecelt]

Tilly has a fondness for pink!!!!

Good luck foo and just ask if you have a question

(but has copyright on its use.)

[kennythecelt]

They appear to have told you.......................

 

a little porkie

an untruth

a misleading statement

 

and you don't have to stand for it. They keep records for far longer than that and you have a right to access it- all of it.

 

Issue a Subject Access Request letter for full details of your entire banking history with them. This should include what you are looking for and will include statements so you can calculate your charges.

 

Sorry, but did you leave school before 16. Although you may have signed some form of agreement for your initial account, you could not enter into certain credit agreements, including having a cheque guarantee card until a certain age- (which might be 18 and coincide with what the bank are telling you and the date given by them- someone with more knowledge than me will expand on this.

 

Good luck!!

 

Kennythecelt

[kennythecelt]

Chhers but any chance of a real number instead of just random ones?

 

the number doesnt work and now ive wasted 40 mins going to the phone box with a number that doesnt work.

 

its not the first so please please please, make sure that f you leave any info that it is correct and working!!!!!!!!!!

 

thanks.

 

/gets back bangin head on wall.

 

simple really, heres the number from the website, 01625 54 57 45

 

good try though, you was close.

 

i know you guys are trying to help me when im the one lacking in the knowledge but you aint half making it hardwork for me with links that DONT work and wrong numbers.

 

if this is happening to others then no wonder people are a little frantic, fortunately i think i may have sorted it. please please double check info before putting it on a thread. it aint helping if its wrong is it?

 

 

As SSL pointed out, the banks keep changing contact numbers. This is part of their tactics, because as you know, they are not really that keen on parting with our money and returning it to us. Stonedecroze and Tilly have really been doing an excellent job in helping you and in the quality of advice given.

We all learn from each other here. We have a common bond. That bond, which is right across the community within CAG, is a major strength. Remember also that this is a self help group. I am not paid here, neither is SSL, Tilly or Stonedecroze. We have spent a lot of time reading through threads and debating approaches/ tactics and seeing what works and we are more than happy to help you on your way to reclaiming your charges.

Keep focussed and good luck!

[kennythecelt]

Hello again Foo

 

No one here is suggesting that you don't post. Please continue to do so. There is plenty of help here for you. Rest assured, it is always, always, with the best of intentions.

 

Sometimes, when communicating on the web, the wrong message can be sent or received. We need to be mindful of that. There have however, been a couple of issues.

 

Lets move on and get you your claims back. Honestly, this forum has such a wealth of talent, full of nice helpful folk. Its a great community, working in a harsh environment, with, a common bond ie fighting the banks, given what they have done to us.

 

kennythecelt

[kennythecelt]

Hi Foo

 

Keep going towards the court, keep to your timescale.

Discussions are taking place on the general forum and elsewhere on how to handle the issue of stays, if judge agree when asked by banks.

 

The banks now have a duty to keep you informed and updated, part of the waiver conditions.

 

The OFT can still handle non compliance on details missing from your banking history and this should be used in court. The fact is, if they had given you the info, you would have had your money by now. Another possibility is the Information Commissioners Office. See Dusarys thread which has a lot of good info on this.

 

Keep going and good luck!!

 

Kennythecelt

[kennythecelt]

and this might be handy Foo

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820

[kennythecelt]

No probs Foo.

 

I will have a search and post what I find, but it will be tomorrow though.

 

If you ever need info on a subject, go to the toolbar at the top of this page and use the search icon. Put in the word and away you go. Its not perfect, takes a bit of time, but its pretty good.

[kennythecelt]

Can they legaly take charges from Benefits?

 

Legally no, as it is the states money but they do. There is a method called appropriation which is something you can use if you are on benefits and they are taking charges off you presently.

I'll also post a link for that tomorrow.

[kennythecelt]

http://www.consumeractiongroup.co.uk/forum/general/107764-claiming-back-bank-charges.html