Has anyone any ideas why a bank takes so long in clearing down a bankers draft? 21st century is'nt it why does it take so long. This banks got to be the worst.

Can someone please help, I have a ltd business and want to get back a great deal of commision fees and referal fees from the bank. Any ideas would be great:smile:

Hi all, Have a Barclays business account, in the last 18 months I've been knocked bandy by commision fees and referal fees in total 4,200.00. When we were banking monies every week the bank would honour all our payments to our suppliers even with funds clearing down. We've been with them since 2006 never had a problem until the last 2 years. They started to return our cheques to our suppliers saying that we didn't have cleared funds in the account at the time. They debited the same day 35.00 commision fee and added a 30.00 referal also. So when our funds did clear we never had enough to cover a suppliers payments. Why can they take funds for themselves same day when it's not cleared:!:. We rang our business manager to ask him and he said "they had been accused by Goverment of reckless lending" how come we said when you could always see that we had funds clearing down. Even there clearing on a in house cheque (same sort different account number) has change used to be same day "instant". One client paid a deposit for work, we banked it one week and it went straight into our account. Then when we completed the work 2 weeks later and paid the balance into our account it took 3 days. We factored this into paying our suppliers but again we picked up charges. We asked how come this has gone from instant to 3 days, they said "security reasons", and that it had been clearly advertised. I could go on and on and oooooooooooooooooooooooon! about these modern day Dick Turpins. Would like to get the money back because it can't be right that they can strip you out of funds when it is not there's in the first place.:mad2::mad2::mad2::mad2::mad2::mad2:

This is the issue with Citi, they never issued a default again'st the wife. When Hillsden took it over they rav it as a live account adding interest but how can they do this when there is know CCA with them?

Sorry just spoken to the wife, she already issued them a SAR. Citi returned the ten pound check and Hillsden said that they would have to contact Citi about this. This was in January 2010.

Will do! Can they hand over or sell a debt that didn't default. They never issued one and it's not on the credit file. So how can they do this.

Excuse the grammer, My missus had a citi-card years ago, fell on hard times and asked to put some sort of payment structure in place. Citi didn't honour this back in Oct 2006, and gave it over to DLC. They never issued a default notice against my wife, or a notice of assignment. DLC put a load of interest on this 3.5k in charges taken it upto 7.7k. The stress my wife has gone through you can't put into words, they said that they would reposses our home (all this in writing). My wife paid them 3.5k back over 2.5 years, she then wrote to Citi for her CCA with a pound. They wrote back saying they didn't have this as they dont own the account. My wife spoke also with DLC on this and they said they would contact CITI as they could'nt give the CCA. The FOS are completely useless arse and elbow spring to mind. My wife today spoke with DLC and a woman admited that they could'nt inforce this anyway in a court. Choked is the way my wife feels right know, as she handed the money over in good faith. I'm about to issue court papers again'st DLC on this matter as they have obtained money through deception. I could go on and on with this, anyone got any ideas this has been going on for over 4 years. Citi are ignorent and Hillsden wot can you say!!!:mad2::mad2::mad2:

Never received it at all rang them 2day asking them that and they said that they did'nt need to issue that! Will start scanning doc 2mrow Thanx:)

Right here goes, Particulars of Claim Pursuant to an agreement dated 07-06-2006b between the Claiment and the Defendant the Claiment issued the Defendant a credit card and agreed to provide the Defendant with running account credit on drawings made with that card. A term of that agreement was the Claiment could end the agreement by given written notice o the Defendant, when the notice expired the Defendant was required to pay the balance outstanding in full to the Claiment. The Claiment served a Final Demand Notice on the Defendant ending the Agreement and required the Defendant to repay the full balance outstanding on that date. The Defendant has failed to pay that sum. The Claiment is entitled to interest at the contractual rate of 17.20% per annum and accurring at the daily rate of 3.95 AND the Claiment claims 1. The sum of 8400.00p 2. The aforementioned interest at the contractual rates of 17.20% per annum to 11-12-2009 at a daily rate of 3.95 per day. Total claim amount = 8600.00 Will upload the rest for 2mrow:)

Spoke with Tradepro this afternoon, asked when in the claim they stated they wrote to me "Ending the Agreement" this I never received. Also they claim they served me " A Final Demand Notice" this I never received. Which they claim ended the agreement. The Judgement has'net been entered yet, there seems to be alot of things they should have done but have'nt. Am going to request "A Subject Access Request" from them next week. Any advice?

Try to be brief!! Run a business, end of 2008 Mr Darling and Mandleson stood up and said they were going to everything they could for the small businesses. Well then in March 2009 what they forgot to say is that they put up the Penalty fees at Companies House by (wait for it!!) 75%. We filed our accounts for 2007-2008 in June 2008 three months late and received a fine for 1500.00. Raised this with them and said how come when these went up from what would be a 250.00 to 1500.00 and this only came in from March 08 onwards they came back and said it was a retrospective penalty? Got any idea's we sent in an appeal which we were told to by CH and wrote to BERR about this (Mandleson) response came 12 weeks later from CH saying that it had been given to them via BERR. They said they were still not going to back down on this in the letter and right at the bottom of the letter from CH it had BERR insignia so who's having who over on this one? Anyone got any ideas>:eek::eek:

Thanx 4 that!

Originally Posted by poppy&lucy Anyone help me on this? Had been in Court a few days ago again'st company called TradePro. They put a claim in again'st me for just over 8500.00. I disputed the amount as they put on a recovery, charges etc. Had asked them for my true CCA weeks earlier paid them 10.00 for this and they sent me a photo copy they say of original. In court they waivered the fee's etc which took this down to just over 5000.00. I said to the Judge that I was not happy in the way the Company had acted and that's why I wanted it heard in front of a Judge. The Company produced a photo copy of the CCA to the judge (not original). The Judge agreed that I owed the debt so this needs to be payed. I said to the Judge that I could only pay 50.00 per month for 3 months then to be revised. I received a letter from Tradepro 2day asking for payment of 50.00 plus an admin fee of 3.50 on top if I pay by debit/credit/cheque. This Company I feel is taking the mick, Rung them up to ask them why the 3.50 ontop and they said that is the way it is. Have rung Court also 2day to see about getting Judgement setaside, and as it stands at the mo it has'nt been entered 7-10 days. Any ideas because I had been with them since about march 06.:confused::c onfused:

Will do many thanks!

It came via post, not sure to contact them direct or credit card company. Never recieved a "Notice of Assignment" or a "Termination Notice":confused:

Re: Consumer Credit Act Agreements Anyone help me on this? Had been in Court a few days ago again'st company called TradePro. They put a claim in again'st me for just over 8500.00. I disputed the amount as they put on a recovery, charges etc. Had asked them for my true CCA weeks earlier paid them 10.00 for this and they sent me a photo copy they say of original. In court they waivered the fee's etc which took this down to just over 5000.00. I said to the Judge that I was not happy in the way the Company had acted and that's why I wanted it heard in front of a Judge. The Company produced a photo copy of the CCA to the judge (not original). The Judge agreed that I owed the debt so this needs to be payed. I said to the Judge that I could only pay 50.00 per month for 3 months then to be revised. I received a letter from Tradepro 2day asking for payment of 50.00 plus an admin fee of 3.50 on top if I pay by debit/credit/cheque. This Company I feel is taking the mick, Rung them up to ask them why the 3.50 ontop and they said that is the way it is. Have rung Court also 2day to see about getting Judgement setaside, and as it stands at the mo it has'nt been entered 7-10 days. Any ideas because I had been with them since about march 06.:confused::c onfused:

: Stat Demand Sent them back an income & expenditure form which they sent me, they never came back to me. They Defaulted the account handed it to Restons, this account is Nov 2004.

Sent them backan income & expenditure form which they sent me, they never came back to me. They Defaulted the account handed it to Restons, this account is Nov 2004.

Excuse grammer etc, Received 2day a Statutory Demand from Restons Solicitor's regarding a credit card account. Has anyone got any ideas, explained to the credit card company at the time that circumstances had changed and even had PPI. They did'nt want to help when I fell on hard times.:confused::confused:

Anyone help me on this? Had been in Court a few days ago again'st company called TradePro. They put a claim in again'st me for just over 8500.00. I disputed the amount as they put on a recovery, charges etc. Had asked them for my true CCA weeks earlier paid them 10.00 for this and they sent me a photo copy they say of original. In court they waivered the fee's etc which took this down to just over 5000.00. I said to the Judge that I was not happy in the way the Company had acted and that's why I wanted it heard in front of a Judge. The Company produced a photo copy of the CCA to the judge (not original). The Judge agreed that I owed the debt so this needs to be payed. I said to the Judge that I could only pay 50.00 per month for 3 months then to be revised. I received a letter from Tradepro 2day asking for payment of 50.00 plus an admin fee of 3.50 on top if I pay by debit/credit/cheque. This Company I feel is taking the mick, Rung them up to ask them why the 3.50 ontop and they said that is the way it is. Have rung Court also 2day to see about getting Judgement setaside, and as it stands at the mo it has'nt been entered 7-10 days. Any ideas because I had been with them since about march 06.:confused::c onfused:

Hi if anyone can help, Had a claim against me from Tradepro and had been in Court a few days ago. Claim was for just over 8500.00. I disputed this amount as it had a recovery fee etc. Just before going before a Judge they retracted the fees etc and took down to just over 5300.00. This annoyed me as I had been going on at Tradepro, CDC etc for month's about this and had asked for my CCA got a photo copy (not original). Asked to go in front of the Judge which we did, Tradepro showed the Judge the Photo copy (not original). They said that they had offered the fees to be wiped of if I had a Judgement secured again'st me for reduced amount. The original application was for a Ltd company. The Judge agreed that monies was owed and has ordered a J-ment which will be issued in 7-10 days time. The judge agreed that I could pay 50.00 a month for next 3 months then for review. Received a letter from Tradepro 2day requesting a payment but charging me 3.50 admin on top for a debit/credit/cheque payment. These people are taking the mick. Anyone got any answer's gonna get the J-ment set aside bacause they have ignored untold phonecalls etc trying to resolve this.:confused:

Anyone help me on this? Had been in Court a few days ago again'st company called TradePro. They put a claim in again'st me for just over 8500.00. I disputed the amount as they put on a recovery, charges etc. Had asked them for my true CCA weeks earlier paid them 10.00 for this and they sent me a photo copy they say of original. In court they waivered the fee's etc which took this down to just over 5000.00. I said to the Judge that I was not happy in the way the Company had acted and that's why I wanted it heard in front of a Judge. The Company produced a photo copy of the CCA to the judge (not original). The Judge agreed that I owed the debt so this needs to be payed. I said to the Judge that I could only pay 50.00 per month for 3 months then to be revised. I received a letter from Tradepro 2day asking for payment of 50.00 plus an admin fee of 3.50 on top if I pay by debit/credit/cheque. This Company I feel is taking the mick, Rung them up to ask them why the 3.50 ontop and they said that is the way it is. Have rung Court also 2day to see about getting Judgement setaside, and as it stands at the mo it has'nt been entered 7-10 days. Any ideas because I had been with them since about march 06.:confused::confused: