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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

brubaker

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Everything posted by brubaker

  1. brubaker
    All I am looking for is to know if it's possible to get a complaint history. From what you have said it sounds like it is, but you haven't said how. Anyway the incident is my business and I don't wish to share it in full detail on here. I have provided enough information. If you don't wish to share how, then that's fine. I will hopefully get an answer elsewhere.
  2. brubaker
    @GrumpyToSayTheLeast I came on here to ask a simple question, a yes or no would of sufficed. Why come across obnoxious saying "It's none of my business" and questioning me?? If you can't answer the question don't respond, maybe you have nothing else better to do
  3. brubaker
    Thanks for the response. I need to know if any complaints have been made against this Doctor as I am in the process of making a complaint for the Doctors negligence in treatment and advice which I should of received. In the Doctors response to the initial investigation, several statements made were untrue so there is a re-investigation taking place. I feel that knowing about the Doctors history e.g. complaints might be useful.
  4. brubaker
    I wanted the NHS to disclose to me any complaints that may of been made against a Doctor that worked at a particular hospital, as I had concerns about their performance etc. I was told that releasing details of any complaints against any doctor is in breach of the Data Protection Act 1998 under, exemption s40 (personal information). Any thoughts or other processes that may be of help? Thanks
  5. brubaker
    Hi DX The pay as you go has always been there about 40 years, although they did replace it with an up to date type and my Mother has kept it like that. Yes I am of the same thinking as you, she is hardly there so they suspect that maybe there is some kind of Gas theft? Anf then use the entry as an excuse to inspect maybe? Agree Evesir
  6. brubaker
    Hi DX Thanks for the reply. I think it was about a year ago, the Gas Engineer installed a new meter. She has one of the pay as you go meters, so loads the card up with credit and then inserts it into the meter. Thanks
  7. brubaker
    My mother owns a property which she frequents periodically as she lives mainly in her pub. She was alarmed to find out that the Gas provider had gained access to her premises via a warrant, to read her meter. They allegedly sent her three letters, but she has not received one and did not contact her by telephone. What is the current law surrounding Warranty o Entry? I did read this extract: Magistrates have become used to issuing warrants to authorize utility companies to enter domestic premises. The procedure under the Rights of Entry (Gas and Electricity Boards) Act 1954 (as amended) (“the 1954 Act”) enables the applicant utility company or its agents to enter a building or part of a building when reasonably required in the conduct of their business. Typically, they may seek a warrant to effect entry to fit a prepayment meter for domestic property or disconnect the supply in commercial premises where previous gas or electricity bills have been left unpaid. In the article it was argued that by so doing the applicant local authority circumvent settled practice in the county court, offend the principle of proportionality, and potentially invite the magistrates to misapply the law. http://www.criminallawandjustice.co.uk/features/Warrants-Entry Thanks in advance
  8. brubaker
    Thanks for the information, I will do that. Thanks
  9. brubaker
    Hi people I recently sent in a SAR to my previous Employer to see what information they held on me relating to an incident that happened at work. The request was sent to their Privacy and Data Protection Team, but looking at the information they sent me there appeared to be missing information (emails). Should the team deal with these requests covertly and not inform any parties that appear in the data held about me? Or is it procedure to inform any parties involved? They advised me that they need to inform parties to locate the information, but I suspect this information can be accessed through the Exchange Servers (email). Thanks
  10. brubaker
    Hi Slick Yes your correct, I mean credit card account and not bank account. I never had a bank account with Egg (now BC) only a credit card and bank loan. Over-limit fees Late payment fees Missed payment fees Bounced cheque, DD or payment fees Ok looking at the statements, the amount including compound interest is unlikely to exceed the debt that was outstanding. Therefore it is not advisable to proceed? At a guess the charges including compound interest are unlikely to exceed £1000. Also that answers my thoughts about reclaiming overdraft charges with my HSBC bank account.
  11. brubaker
    Hi Sabre This is the thread I am referring to yes The O/D penalty charges refer to the credit card in this thread. The link to the calculator does not work for me. I have all the paperwork from BC going back further then 6 years (2nd request), so I will calculate and start the ball rolling. I gather you were successful in a similar scenario, so some useful tips would be great. Thanks
  12. brubaker
    Hi Does anyone have a copy of the compound interest calculator. The one DX posted I can no longer download it appears to be trying to download as a .php file and not and xls file. CISheet v101.xls Thanks And another question? Even though my debt is now statue barred, am I still able to claim for the o/d penalty charges and interest even though they may be more then 6 years old? Thanks
  13. brubaker
    Thanks will do.
  14. brubaker
    UPDATE: The Egg debt has now been removed from my credit file, the credit company had to confirm with creditor and they agreed. Debt is statue barred (over 6 years old now). Presumably the creditor will no longer chase the debt? Also I have all the SAR paperwork from Barclays. What is the process for reclaiming the penalty charges etc? I believe there is a spreadsheet? Once I have completed the spreadsheet, what are the next steps? Thanks guys
  15. brubaker
    Thanks for the info. Sabre Regarding Overdraft, what are your thoughts or anyones thoughts on below: 1. CCA Section 74 and more importantly the determination exempts Banks from complying with Part V of the CCA74, which means they can give an overdraft without a written agreement, ONLY PROVIDED that they have complied with all three requirements of the determination issued by the OFT. See 'Coutts v Sebestyn' in the Court of Appeal. This includes sending the appropriate letters when the overdraft was granted. I doubt whether these letters can be requested under section 77-79 of the CCA. But if proceedings are started against you you should seek disclosure of the letters to see if the bank is entitled to the exemption from Part V.
  16. brubaker
    Hi guys/girls I do not know where to start on this one. Around 2011, HSBC closed my current account for financial reasons and I was left with an overdraft debt of approx. £2500. Strangely enough (in which I won't go into detail at this stage) there was no overdraft facility authorised or in place, I had asked them on previous occaisons, but they declined. Should I request a copy of the overdraft facility letter to start with? I did send them a SAR request and they sent me four reams (2000 sheets) of paperwork, It's actually guite daunting to look at. I recently received a letter from HSBC informing me that they had passed on the debt to a debt collection agency. Is it possible that this debt is unenforceable because potentially no agreement was in place and the bank never notified me of any said agreement? Additionally, there a PPI balance and various other charges e.g. late payment, od charges etc. What is the best way to proceed with tis? Thanks very much all.
  17. brubaker
    Hi Does anyone know the stance legally on whether someone visiting on a visitor visa is required to pay council tax. The situation is my partner is visiting me on a six month visitor visa and because of this my discount for single occupancy has been withdrawn. I was under the impression that because she is not resident in the UK or even the EU that I would still be able to claim single occupancy. Thanks in advance.
  18. brubaker
    I might get another letter out to them, so they can clearly state the agreement is infact unenforceable. If indeed they do comply, would I have grounds for having the debt removed from my credit file or at least a statement of correction made? By the way jus sent another SAR to give me data from the year 2001 to date. Thanks
  19. brubaker
    I guess some of the overdraft couldn't be helped, the bank clerk made an error and as a result the transaction was pending but authorised. However with some of he other debt the bank should not of authorised the transaction, rather they should of declined the transaction the result would be the account going over drawn? I may send a SAR to the bank as I recently had a letter from Card Protection Payment stating that I could be owed money for mis-selling of a service, also may have some over draft charges that I may b able to re-claim with compound interest?
  20. brubaker
    It goes something like this in a cut down version.... A large payment which formed most of the o/d was authorised in late March 2011, but actually debited from my account in mid July 2011. . To explain the reason for the delay in the transaction being processed, any payment made using a cancelled card defaults (this is because the card was already registered with the Vendor and I had used the wrong one) to the banks internal suspense account. Once in the suspense account, the payments to vendor were deemed genuine and worked through manually by an operator. However the operator missed this transaction, this is what caused the delay. So if the card was debited on the correct date money was available in the account, but when the money was taken 3.5 months later there was no money in the account. Really the transaction should of been declined as the card was report lost/stolen and I could not de-register that was the vendors online policy at the time. Also the operator in the bank made an error which caused the 3.5 months delay. Does that make sense?
  21. brubaker
    I will dig out the report from the FSA as it is explained in their report, I will get back to you. Thanks
  22. brubaker
    Thanks @theoldrouge I will digest this and act appropriately
  23. brubaker
    Thanks again guys much appreciated.. Is there a letter template to form a formal complaint?
  24. brubaker
    Thanks guys... Is it worth putting a note on my credit file regarding this (notice of correction), even if I paid the debt they would not remove it from my file would they? Is there any case law where a customer was forced into a debt as you have said above etc etc? It's a bit like being forced into PPI. Thanks again...
  25. brubaker
    Opened an account with HSBC which I had for several years, in 2010 when there was money in the account I made a few transactions and down to HSBC's fault which was investigated by the FSA Ombudsman an amount came out of my account several months later due to an error on their part which put the account into a debit balance. There was no overdraft on the account, they would not give me one in anyhow. They then closed the account even though I had responded to their letters, it's a long drawn out saga and as a result I was left with a debit balance which was referred to a debt collecting agency who started the process of collection, it was then put on hold whilst the Ombudsman looked into it, their conclusion was that the transaction was valid although they had made a few mistakes in when the monies was taken. The conclusion was provided well over a year ago but I have not heard anything since although it is on my credit file. Is the debt enforceable, if no agreement was in place for an overdraft?

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