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Another Small Victory (its a start for me )

PostPosted: Sat Jan 30, 2010 11:32 am
by Free_me_Man
I lost my knowing of rights virginity yesterday,

A well known television company in England told me a couple of months ago that when I changed address I would not need to change my direct debit details, Upon knowing this (before I knew of FMOTL.com ) I did nothing about my Direct debit at all ( Well obviously I wouldn't do anything I was told it was ok). Yesterday a letter arrived at my address stating I had not paid my bill and now a £10 service charge will be added on top of what I owed. This displeased me quite a lot so remembering to stick to my guns (or knowledge ) I picked up the phone,

After three minutes of automated twaddle I was eventually put through to a rather nice chap actually, Can't remember the guys name but decent enough. I informed him in a peaceful way that I MAY be recording this phone call to which he agreed to talk to me further ( are they allowed to say no ?) I discussed my problem with him and he said that the direct debit details were not switched over ( Why not?, I was told this previously and its only the address I changed) I then asked him that if his colleague had told me this was he aware that he/his colleague had infact misinformed me and that his college could now be in a lot of trouble, e.g fraud (I politely reminded him that I may be recording the conversation)
.... The next part of the conversation was Very Very quick and basically the £10 late payment charge was dropped, And sure enough the next day I rang to pay off the bill and finalise the direct debit ... Job done ... I felt empowered, I was at the end of a conflict with £10, £10 more than if i were to have made the call 4 weeks ago whereas I would have paid the buggers straight out as I hated/feared debt then more than anything.

Free_me_man

Re: Another Small Victory (its a start for me )

PostPosted: Sat Jan 30, 2010 11:34 am
by holy vehm
a journey of a thousand miles starts with a single step.

:peace:

Re: Another Small Victory (its a start for me )

PostPosted: Sun Jan 31, 2010 7:20 pm
by nameless
Congratulations, Free_me_Man. It may be a small success by some standards, but small successes taste sweet.

Re: Another Small Victory (its a start for me )

PostPosted: Tue Jan 04, 2011 2:47 pm
by jamesbb
i always get those bloody charges for going maybe a few quid overdrawn before i get paid, whici is weekly, so they are never waiting more than 7 days to get there few quid back, yet they put a £38 charge on there for you going overdrawn. By my understanding i could send them a letter, or call them like you have done and come out with the same result? as im sure i never signed anything deeming it 'ok' for them to charge me for moeny they chose to lend me.

Re: Another Small Victory (its a start for me )

PostPosted: Tue Jan 04, 2011 11:57 pm
by huntingross
The last time I checked the Bank of Scotland and the Clydesdale Bank have a section in their small print terms and conditions to the effect that if they notify you of changes to the T&C's and you don't comment within 2 months then you are deemed to have accepted the change....if you do comment you authorise them to close your account.

I questioned a proposed change to OUR T&C's (it's a bilateral contract afterall) and told them I didn't consent.....they didn't shut my account and so I now have de facto changed OUR T&C's.

It's all in the small print....although The Royal Bank seem to have avoided this phrase in their T&C's.....I can't find it.....they obviously have thought it through a little better.

Re: Another Small Victory (its a start for me )

PostPosted: Wed Jan 05, 2011 9:01 am
by holy vehm
jamesbb wrote:i always get those bloody charges for going maybe a few quid overdrawn before i get paid, whici is weekly, so they are never waiting more than 7 days to get there few quid back, yet they put a £38 charge on there for you going overdrawn. By my understanding i could send them a letter, or call them like you have done and come out with the same result? as im sure i never signed anything deeming it 'ok' for them to charge me for moeny they chose to lend me.


Whats worse than that is when they charge £25 for a letter telling you that you had insufficient funds in your account. They dont pay it or anything, its just a letter telling me what i already know.
So im going to phone the bank and tell them i have money in the account and charge them £25.
All the staff in the banks should be sat there with balaclavas on, robbing so and so's