This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Generally yes. It makes it harder for the landlord to prove there has been damage or items missing at the end of the tenancy. Do not insist on one. Although if there is damage to an item or the property before the tenancy starts, still protect yourself. This can be done by taking pictures of the damage with a copy of todays paper clearly visible in the picture, to show the date they were taken.

If they are allowed to make reasonable changes to your contract, is there any precadent for what is reasonable?

Ill take not turning up, I wouldnt if I had been so stupid as to counterclaim like that!! More seriously, I know someone who is having damp issues, blamed on them so am intersted to know how that bit came out.

I have scanned the posts and either can not see or have missed any similar posts. I remember the charges were about £30 for going overdrawn. I recently went £44 overdrawn and have received a letter informing me of a £15 fee plus £15 daily fee. With 10 daily fees added per month. This means a new charge of £165 for the same offence. My question is. Is it legal to change an account so as to increase the charges 5 time without the permission of the account holder? This represents a massive difference in the contract I signed and I do not accept the terms of this new contract. Should I have been given a chance to reject the change? Any input in this will be very useful as im unsure about this but it just seems wrong.

recieved a letter offering full settlement. £380 there was no interest to add on as its a student account, although as the charges have put me over my overdraft, they`ve now charged me some!! i included a second letter with my initial letter detailing my problem above, have had no mention of it from the bank, although they`ve offered me my money back. will send their letter back and wait for my money

i`ve heard mentioned on the site but don`t know where to look for information about querieing the debt with a bank. when my first set of charges came £196 in one go for going £5 over my overdraft, with all payments returned. i complained to the bank and was told i would get a refund but the information had to be passed to my account manager. five weeks later i went back to the bank and complained again that i had not received my refund, any contact and had also been charged again. if i had received my refund there would have been enough money to cover the payments. i am currently over my overdraft and being charged interest, i don`t want the bank to make the problem bigger than they already have. as the debt is caused by their incompetence and unlawful charges. if anybody could help it would be extremely usefull

received an envelope with my bank statements on the 13th. only for my open account, not the one which is closed. i also requested a copy of information which has been passed to thirds parties, such as credit reference agencys. there was none so unless it arrives soon, they have never passed on any information about me, i`ll be upset if i found out they have! request letter being given into the branch today, saves me reclaiming the postage costs!

have decided to start again and have posted the letter today. lets see what they say and then only except yes!!!

sent dpa for old if card yesterday

hand delivered my dpa letter to the branch yesterday, got a reciept for it as they have `lost` hand delivered letter before. also got a few friends who don`t have interent copies of letters for their banks, will start threads for them when i hear something back

hello people, ive been quiet for a while. had my uni exams and then moved and started back at uni, final year now(at last). i have a question which im not sure about. i sent my request for a refund to egg and then the second letter, they obviously responded no. this was in june. it was then i got busy and moved. can i now send the request for a refund and start the process again?

sent all my stuff to the livingston address. it took two months and after they had paid the defence at court, i got my money back. just stick with it they will try to scare you off

alot has happened since my last post. i`ve moved and only just got the internet back and all the action has happened in the last few weeks. recieved a letter on the 10th saying that my overdraft limit was now £0 tthe next day a letter came saying i was over my overdraft limit and was being..... CHARGED!!!!! the only reason i was over my overdraft was because they removed it!! also a few months ago i had informed them as i am a student and no longer working i could not afford to pay iit back, interest on the £400+ is now charged at 25%, this seems like a fair responce to me taking them to court. also had no responce to my calls or letter asking which figure of charges was correct. the first figure tthey gave me after my dpa request or the figure in the letter offering 50% back (the most intelligent thing is the figure they used to offer 50% is £50 higher than the DPA figure????) recieved a letter for the court today saying if have paid the claiim and we have settled in full without if admitting libility, a quiick call to the phone bank showed £725 had been put in my account on the 10th. i have phoned their solicitor and explained i will not except their setttlement untill i am told the correct figure of charges. tthree phone calls later (as every department has passed my file on to someone else) and i recieve a call by 2 tomorrow with answers or its off to court. i didn`t realise they could just putt money in your account and tell the court youve settled, well in this case it hasn`t worked