well then the phone is not FREE it should be advertised as included in price of contract misleading in my view

bump

signed

i aggree IMHO bank computerised systems are written to give you MAXIMUM chance of generating charges. and when you compain they will allways have an answer to make it your fault. hopefully someone will be able to advice you soon.

it is with the rights of banks not to want to do bussiness with you but they would ned a court order to sieze my assets

a bank is not allowed to take money from another account to pay a DD and a basic bank account is unsecured so they cannot tie up another bank account to act as security

yes but they did not tell me that they were doing this and it breaks debt collection guidelines whilst in dispute. i will not let you have your money unless you arrange to pay the money you owe me is blackmail so no terms and conditions in contract can break the law

I have 2 basic bank accounts with a bank and i am on benifets. i dont want to go into details of which bank at this stage. 1 account is overdrawn (100%) charges, the bank has now stoped access to these accounts other is in credit. i cannot access a balance at a till. the automated telephone service just says nil. these accounts are not showing on online banking.i had small amount in which i needed over a weekend but i was not allowed access to unless i made an arrangement to pay the other amount. i have now been charged unpaid item fee for direct debit that i could not put money in to cover, so that account is overdrawn now. it is my understanding that this could be classed as blackmail, and if so no terms or condition in any contract is allowed to break the law. any help would be very helpful.

Dicided to offer northern rock £230 to clear overdraft. thought it was a good price topay for a clean credit file. The bank's could win however unlikely then i would be stuck for 4 yrs bad credit no thanks.

AGB what about sending a full access request under the data protection act 1998 it will cost £10 but they will have to send you all data, notes etc that they have on file for you

Hutchinson 3g one settled £100+ witten off got a ref number from oftello rung execative office with ref number retailer had used a false address so i would pass a credit check which is illegal

as the banks will sign for the batch of recorded delivery letters not individual letters you will not prove delivery . special delivery have to sign for each individual letter

try reading this : http://www.consumeractiongroup.co.uk/forum/general/86761-phantom-northern-rock-12-a.html post 3 . The Phantom claimed back 12 years

LBA delivered to bank branch requesting charges back plus default removal.

i am not at that stage yet read the thread The Phantom v Northern rock usefull info there:) http://www.consumeractiongroup.co.uk/forum/general/86761-phantom-northern-rock-12-a.html#post809821

well done !

mobile phone contracts are not covered by CCA 1974 so they dont have to comply

follow advice on this site template letters etc(found under templates under main menu) . the terms and conditions relating to penulty charges are unlawfull (not illegal) so they cannot enforce them. if they were lawfull they would not be settleing claims. however they try to make you not claim so they tend to settle at the last minute.

i would claim for the charges back following the procidures listed on this site good luck with your claim take them to court or the banking ombusmen (they will be charged £400)

recieved list of charges today Defaulted for £468 charges total £490 so i guess the account would have been £22 in credit letter off today requesting refund of charges.

some teenager takes a car drives extremely dangerously putting peoples life a risk they are punished less than if we are defaulted for £20

good idea have you considered sending a pertition to the prime minister:)

IT APPEARS NORTHERN ROCK WILL DRAFT A DEFAULT NOTICE IF IT HAS NOT BEEN SENT i recived a default notice dated 06 September 2005 which was not signed so i telephoned them should it be signed. recieved copy of default notice with a variation signed p.p by someone else telephone again passed on to manager who sent me a stamped CERTIFIED TRUE COPY and signed by the manager. The first notice had a covering letter on the front "please find enclosed a true copy of the origional default notice as requested" the second and third was just a default notice BUT WITH ONE MAJOR DIFFERENCE THEY WERE DATED 6th September 2005 I THINK I MIGHT HAVE A CASE FOR FORGERY AND SHOULD ALSO CAST SOME DOUBT OVER THE ORIGIONALALITY OF THE DEFAULT NOTICES

IT APPEARS NORTHERN ROCK WILL DRAFT A DEFAULT NOTICE IF IT HAS NOT BEEN SENT i recived a default notice dated 06 September 2005 which was not signed so i telephoned them should it be signed. recieved copy of default notice with a variation signed p.p by someone else telephone again passed on to manager who sent me a stamped CERTIFIED TRUE COPY and signed by the manager. The first notice had a covering letter on the front "please find enclosed a true copy of the origional default notice as requested" the second and third was just a default notice BUT WITH ONE MAJOR DIFFERENCE THEY WERE DATED 6th September 2005 I THINK I MIGHT HAVE A CASE FOR FORGERY AND SHOULD ALSO CAST SOME DOUBT OVER THE ORIGIONALALITY OF THE DEFAULT NOTICES

also sent a CCA request 28 days runs out today have only recieved origional default notices see next post origional credit aggrement not sent so i guess they have 30 days then they are commiting an offence:grin: