Anyone at all?

Hi all, just a quick update on this account. I have finally got Santander to admit that I was defaulted in 2008. Now, they have added approximately £500 worth of charges onto this account in the meantime. Any ideas what I can reply with as I feel these charges are unjustified. Can default charges be added onto a defaulted account? Thanks for any help, Smoore102

Hi. I called them and they confirmed that I am no longer registered. Anyone have any ideas?

Hi all, just a bit of background to start with. I have just come back from my hols (lovely 2 weeks in the USA). Whilst I was there I developed tooth pain and was unable to find a dentist out there. On returning to the UK on Friday I managed to get an appointment with a private dentist who inserted a temporary dressing into my tooth and stated that I need to have root canal treatment along with a crown, at a cost of £1100. This is definitely an amount I can't afford. I used to be registered with an NHS dentist, but not been for about 2-3 years. Do you think there is any chance I will still be on their list? I would just ring them, but they are shut over the weekend. If I am not on their list, what do you think I should do? The temporary filling is not meant to be there forever, although the treatment I need I don't think would be classed as an emergency treatment to be covered by the PCT emergency service. I have looked around on the NHS choices website, and the nearest dentist showing as accepting new NHS patients is out of my PCT's area. Don't move to the York area, they are seriously pressed for NHS coverage. Any suggestions anyone? Si M

Hi Bazooka Boo, Thanks a lot for your advice there, certainly gives me some ideas for my response to Santander. Unfortunately I decided to go with a claim management company for the overdraft charges on this account. I now know how foolish I was, but it means that I could never amend my argument. On the plus side, at least I know that my dispute should still be in place, which adds extra force to my argument not to pay these and any new charges. When it comes to the account sale, I was never notified that this account was being passed to Santander from A+L. The first I heard about this account being taken away from the final DCA was last months statement through the post. Again, thanks for your advice, and if anyone else would like to chip in, please feel free. Smoore102

Hi everyone, I had a current account with Alliance and Leicester back in the day. During the time I had the account I incurred a number of bank charges, which sent me into an unauthorised overdraft and subsequently spiralled out of control. This placed the account into default, although I no longer have the DN. During the test case I had a claim on hold, and obviously all that fell through. Since then, I made some payments to reduce the balance, with the account being passed from DCA to DCA. The balance got below £100, and I thought why the hell should I be paying this, so stopped paying. That was about 2 years ago, and all went quiet. Last month, I received a bank statement from Santander showing the balance I was aware of. Today, I received a statement showing that they are going to be taking a £100 Daily Unarranged Overdraft Fee on the 18th October. Considering this account is in default (and showing as such on Experian) can they charge this fee? I was always under the impression that they can't charge any fees once it is in default? Thanks for any help you guys can give. Smoore102

Hello, I have been offered it as a front line health care professional, but declined. It may seem backwards, but I really hate having needles stuck in me. No problem doing it to others though. One of my colleagues had it done though, and had a good amount of swelling in her upper arm, along with a lot of pain. Enough to put me off it. Smoore102

Hi all, Well, I called Thomas Cook today. It took a lot of wrangling and being put on hold, but I won. They have now changed the flights back. Thank you again Heidi. If there is anything I can help with, please let me know. Smoore102

Heidi, you really are a godsend. I can't thank you enough. Will get onto them tomorrow, and will fight for the fee to be waived. Shall let you know how I get on. Thank you, Smoore102

Hello Heidi, Thank you for your reply. Disappointed that you are not a random nutter though . All the invoices I have had are pretty much the same. They all contain the same flight numbers and times, which are below. I think they must get bonuses for the amount of confirmation e-mails they send out, they have sent me loads. Here are the details from the original confirmations: Tue 1 Dec 2009 06:20 Humberside to Amsterdam Tue 1 Dec 2009 08:35 nw08796 / Klm Airways Tue 1 Dec 2009 10:20 Amsterdam to Detroit Metro Tue 1 Dec 2009 12:40 NW00041 / Klm Airways Tue 1 Dec 2009 14:30 Detroit Metro to Las Vegas Mccarran Tue 1 Dec 2009 15:48 NW00195 / Klm Airways These are the details from the new one they sent me after I e-mailed them: Departure: 06:20 Humberside, United Kingdom - Humberside Arrival: 08:35 Amsterdam, Netherlands - Schiphol Airline: Northwest Airlines NW8796 Tuesday, December 01, 2009 confirmed Departure: 10:20 Amsterdam, Netherlands - Schiphol Arrival: 12:40 Minneapolis, USA - St Paul International , terminal L Airline: Northwest Airlines NW241 Tuesday, December 01, 2009 confirmed Departure: 14:45 Minneapolis, USA - St Paul International , terminal L Arrival: 16:18 Las Vegas, USA - McCarran International , terminal 1 Airline: Northwest Airlines NW2134 Hope all this helps. Thanks again, Smoore102

Hi all, I booked a flight and hotel package with Flexible Trips (Thomas Cook) online in June. I am due to fly on the 1st December, with two layovers at Amsterdam and Detroit, ending up in Las Vegas. On the original booking, I saw that the flight had a layover in Deroit for 2 hours, and thought it would be nice to catch up with a friend who works in the airport. I have had about 8 confirmations from Flexible Trips with Detroit marked as a layover on all of them. Last night I was looking at the flight details online, and checked the flight numbers online. When I did this, it turns out that the flight I am getting is going from Amsterdam to Minneapolis. I e-mailed Flexible Trips to check this, who have sent an e-mail with new flight details going via Minneapolis. As you can understand, I am pretty annoyed as I am not going to be able to meet my friend now. Tomorrow I will be calling Flexible Trips to complain about this, but just wanted to know where I stand in regards getting the flights changed. As stated above, I have 8 confirmations with Detroit written on them, along with my flight vouchers, again stating Detroit. Does it make any difference that they never told me about the change, and that I had to find out for myself. I hope someone can help me, but just wanted to check where I would stand when I call them. Thank you, Smoore102

Signed it as well.

Oh no, it is a good job it is Sunday otherwise I would have popped out to Asda for some tiger bread. I had a Balti for tea, was lovely.

shrinking

Come up north for a bit. I am in York and it feels like the warmest day in ages, and no sign of snow. Agree with you though, snow is the devils own product.

treble

I love those letters from them. I received the exact same one when I e-mailed them to tell them of a change of address. For one moment I thought that Roxburghe didn't approve of the house I had moved to, as if I care.

betty

Hi all, To be fair these tracking services are never going to be completely accurate and I would seriously think twice about trusting any results you get from it. I work for the ambulance service, and in our control room we use similar software to try and locate callers based on their mobile phone co-ordinates. As was said previously in this thread, it is great in built-up areas where we usually got a fix within half a mile of the callers location or better, but in more rural areas it is rubbish. The amount of times I have looked at the mapping system to find that the caller is showing as in the middle of the North Sea is not worth counting. To be fair, I would see what you can get in respect of a refund from this company, and just leave these tracking services well alone.

Hmm, I think mine is to keep a closer eye on Fuzzybobble. Looking forward to the future videos.

Oooh, may have to crack open the bottle of JD. How dare you put the idea in my head you sinful lot

Good point well made, happy christmas to you all.

broke

I managed to get with More Than. They are a bit more pricey, but you don't have to pay a deposit up front for instalments, which I find is a good thing at this time of year