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    • Received paperwork now from them prior to 30th deadline. is it worth uploading here or just send my 181 back with the draft directions from my side? 
    • Ah ok, thanks Andy. As of yet i have heard nothing from the court since i received the N180 from lowells.
    • you NEVER offer PS it opens you up to 6more yrs of harassment as you've ack'd the debt and they'll sell the rest on.   just do the CCA..   its probably very close to SB so they leave things late to get the most interest out of you. if they issue a backdoor CCJ.
    • I have received planning permission to do a loft & kitchen extension.   I have a terraced house.   Re the party wall agreed surveyor, my neighbour to the right is ok to a ‘agreed surveyor’ being appointed by me. However after I received planning permission late in 2018, my neighbour to the left instructed a surveyor.  I spoke to this neighbour last weekend explaining that i am now in a position to hopefully commence the work but that a party wall award needs to be secured. I inquired from them if we can agree an impartial surveyor preferably of my choosing, since i will be paying the fee. The wife said they'd speak to their surveyor, whilst her husband seemed hesitant.   I have now received the attached letter from their surveyor.  His remarks such as '‘after some delay' (surely it is for me to determine when i being any building work on my property having consideration of a myriad of matters), gives me pause as to his impartiality, at that he is not just money chasing.   Is a surveyor permitted to make an approach to a property owner,  re offering to be appointed as the agreed surveyor, in advance of the party wall notices being issued to the relevant neighbour?   I do not trust the impartiality of indeed integrity of this surveyor.   Both my neighbours, already have both a loft & kitchen extended kitchen, so i just don't understand why this neighbour, is seemingly trying to make this process as protracted and even more expensive as possible.   How can i convince them to use my surveyor as the agreed surveyor, short of threats of me not being cooperative of any work they may wish to undertake.   Tnanks   scan0048.pdf
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    • 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
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      so far so good.....
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      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/
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    • 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.
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      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.
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      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
      • 0 replies
vicky66

I am new to this and need help with bank charges and benefits

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Hi

I have recently read that the banks cannot take charges from benefits. Does anyone know which benefits tese are, what I do if I have had charges taken from benefits and if anyone has successfully claimed using this argument?

 

please help

vicky66

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Hi Vicky and welcome to the forum. There is lots of help on this subject available but just for starters, while I have a look for some more info for you, have a look at this post by Jailbird on another thread this morning.

 

Found this on MSE........may be helpful

 

Q: What else can I do if I am living on benefits?

A: If you rely on benefits for your main income, such as Income Support or Job Seekers Allowance, there is still possibly a way you can claim; though it relies on a slightly different law. All past claims have been based on contract laws but there is another law called the Social Security Administration Act 1992, which says that banks must not take charges from benefits as this money is needed for a person to live on.

If you are in this situation, contact your bank to tell them that you are living on benefits and it should process your compliant. If it still does not help, contact the Financial Ombudsman, but make sure you tell it that you are receiving benefits and your case will be dealt with.

 

Chris


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Also this one Right of Appropriation - Stop the bank from taking your money

 

Still looking for more!:)


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Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

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Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

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Thanks for the info so far, I dont know how to go about tackling the bank to reclaim charges which they have taken from my benefit (working families tax credit/ child tax credit) as I dont want to get it wrong! I think it that the claim is not covered by the waiver but I am not sure

thanks

vicky66

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I think you are right about a claim involving benefits not being affected so just start you claim as normal. I will post a link for you now. You will probably be exempt from court filing fees and will have to claim using the n1 form direct with the court.

Have a read of the newcomers thread ( i will post it for you in a second) and it will guide you step by step. Just come back and ask any questions you have along the way!


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Welcome to the Consumer Forums

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Which guide to the Sale Of Goods Act

 

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Click Here For The New Version

 

This is the newcomers guide!


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Welcome to the Consumer Forums

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Which guide to the Sale Of Goods Act

 

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I have already put in a claim before the waiver using the usual letter templates. Now the waiver is in place is the fact that i have already put in a claim going to affect my claim for them taking monies from my benefit I am worried that I have messed this up! Also can I add in chrges that I havs incurred since I sent my original letter? Sorry if i am being a pain.

vicky66

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Sorry Vicky I am a bit confused here!You have a claim in progress and you want to start another claim against them for taking charges from you benefits? Is that about it?


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I have a claim which is on hold because of the waiver, however the charges that I have claimed have been taken from the account my benefits are paid into. therefore I was just trying to find out if I could continue with the original claim because of the fact that I am on benefits, without waiting for the oft case to go through the courts. sorry if it sounds confusing, thats probably because I am confused too.

vicky66

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thanks to everyone that is trying to help me

vicky

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So yor case has been stayed pending outcome of the test case?

Have you received confirmation in writing from the court?

  • Haha 1

[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

Help the CAG!!

Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

Forum rules. Please read these before posting

 

PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE

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No I have not. After much stalling by HSBC I was just getting to the stage of starting court proceedings when the waiver and court case was announced. I have since spoken to my bank who said that my file was now on hold until the case has been heard. I have not heard formally from the bank in writing that this is the case although they said I would be sent a letter to confirm this. I then read that about the fact that they couldnt take money from benefits and so therefore was trying to find out if I could continue to claim the money by a differant means. But I want to be clear that I can do this as the banks dont need much of an excuse to say that the way I have gone about things are wrong!

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I think to be fair that I have probably done this all wrong from the start! I should have come on here first and read up on what to do instead of listening to friends who advised me because I didnt in my original claim include all charges that I should so therefore having added them up again they now are more than I originally claimed! So I think that I have completely messed this up and I dont really know what to do anymore. I just need some guidance and confirmation of the benefits issue. You probably think I am a real pain but need your help and you seem to know what you are talking about.

vicky:confused:

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I have got my statements, sent my claim letter using friends advice. THEN joined the forums and have found out that I have not claimed all that I could (didnt include total charges) have realised that I have asked HSBC for less than I could have. They have my letter with total I have claimed and I dont know if I can or should send an ammended one with a higher amount on it. I am also on income assessed benefits and have also found out on here that it is unlawful for them to take money from benefit. So I now have a differant tack to approach them with but dont know if I can as I have already sent them a letter claiming the money. I think I may have messed up BIGTIME and would like anyones help with where I should go from here.

 

cheers

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Ok can you list in order your actions so far please.

If you have filed the claim at court already you can amend the claim, this will cost £35 which you can not reclaim. You would need to use the N244 which is in the template library.

We can advise further when you list your actions.

 

Ps. I have merged your threads please stick to this thread.


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Hi,

I contacted Hsbc asking them for statements. I then sent them a letter reclaiming charges. They then wrote to me asking for a detailed breakdown of charges claimed. I did this and rang them after the waiver announcement and was told my claim is logged with them but will not be dealt with until after the big court case. I have since read these forums and have realised that I have not claimed all that I should have ( I didnt include total charges) and dont know if I can now amend the amount with HSBC. I have also read that if you are on income assessed benefits that the banks cannot take charges from them. The sole money going into the account since July 05 hasbeen from benefits. I dont know if I can now change tack and claim the same money back using a differant reason. hope this explains where I am at now.

thanks for replying

vicky

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