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

check with royal mail, to see if the letter arrived and if it did who signed for it. if you have proof of delivery to their office, make them find it reminding them the 40 days started from when they recieved it

have recieved my responce from egg. dated the 21st a letter saying thank you for your letter. the same day a letter dated 22nd arrived, they go on to say it says in the conditions....... so were keeping your money

have got a letter from the courts, if intend to defend the claim. they have changed their name on the form to halifax so are dropping the intelligent bit!

i had the same list of charges for free. in a telephone conversation it was confrmed that manual intervention and the nature of the charge information could not be supplied. so its a free dpa request. you asked for the information and it was not supplied.

claim will be deemed served on the 27 june. could i get the name of my thread changed to `cookie0117 vs intelligent finance` feel its into a battle now

just had my claim served against if. i went for current account, credit card and loan all in one and just added the whole lot together. they answered every letter and on the second one offered half the charges back, although the figure they quoted was wrong, they should change their name to unintelligent finance!!! just waiting to see if court will get the whole lot back. just stick to your guns and ignore their nonsense.

have sent the prem letter. Total charges was only £260, ive been a lot better than i thought

since my last message have just realised that the wording will not fit in the box as it is too long, i have cut it down accordingly so it fits. is it any good? The Claimant has 3 accounts with the Defendant. Since opening the Defendant debited charges to the Accounts in respect of purported breaches of contract. The Claimant contends that: a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. Accordingly the Claimant claims: a) return of the charges total £553 b) Court costs c) Interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from date of each charge to 21-06-2006 of £92.58 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%.

on moneyclaim in the particulars of claim section is this sufficent or is more detail needed: Claim is for unlawful bank charges levied against accounts held by intelligent finance. Total of charges is £553. The charges are levied at a higher level than the actual cost of dealing with an incident. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from date of each charge to 21-06-2006 of £92.58 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%. a bit concerned that a mistake here could stop my claim early just seen another post does it have to be filled out in this way? 1. The Claimant has 3 accounts ("the Accounts") with the Defendant a current account No#, a credit card account No# and a loan account No# 2. During the period in which the Accounts have been operating the Defendant debited numerous charges to the Accounts in respect of purported breaches of contract on the part of the Claimant . The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant. 3. A list of the charges applied is attached to these particulars of claim. 4. The Claimant contends that: a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £553 b) a declaration from this honourable court that the term of the contract leading to the application of the charges is unenforceable; c) Court costs; d) Interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from date of each charge to 21-06-2006 of £92.58 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%.

just filling out the money claim form and a little confused as to what to put, is there a guide on the forum as i have looked and can`t see it