That bint whats in debt

[StoneLaughter]

This is possibly so - she doesn't go into details in her blog, are they all punitive charges? - however she would have to pay the charges before she can start any proceedings to claim them back and she can't pay them anyway!

They ARE all punitive charges; and she doesn't have to pay them to claim them back because they are not invoiced, they're levied on your account. Basically they WOULD be able to insist that the refund went to clear her account, if they chose to. However, for the most part, they're paying up out of court, rather than defend... they know that they don't stand a chance. I have had over £1000 in refunds from various companies.

[cameraman]

They ARE all punitive charges; and she doesn't have to pay them to claim them back because they are not invoiced, they're levied on your account. Basically they WOULD be able to insist that the refund went to clear her account, if they chose to. However, for the most part, they're paying up out of court, rather than defend... they know that they don't stand a chance. I have had over £1000 in refunds from various companies.

She calls them "charges" though... are they costs? Sticky subject I know but she doesn't go into detail on the blog.

http://news.bbc.co.uk/1/hi/business/5170278.stm

And bloomin heck - you spend over your limit a lot don't you?!

[StoneLaughter]

She calls them "charges" though... are they costs? Sticky subject I know but she doesn't go into detail on the blog.

http://news.bbc.co.uk/1/hi/business/5170278.stm

Abd bloomin heck - you spend over your limit a lot don't you?!

The BANK calls them "charges". The BANK say that they're a genuine pre-estimate of cost. UNTIL you ask them to demonstrate this in court. Then they roll over, play dead, and pay up.

Mine? I got only £1000 back over six years of banking and credit use. One guy (known as Seminole) got back £10,235, and he's trying to claim more - from ONE BANK. He's trying to use the Statute of Limitations against them... you really should have a look at the forums at Consumer Action Group if you're interested in all this (currently over 50,000 members, up to 600 active most of the time); saves us hijacking someone else's thread.

[cameraman]

The BANK calls them "charges". The BANK say that they're a genuine pre-estimate of cost. UNTIL you ask them to demonstrate this in court. Then they roll over, play dead, and pay up.

Mine? I got only £1000 back over six years of banking and credit use. One guy (known as Seminole) got back £10,235, and he's trying to claim more - from ONE BANK. He's trying to use the Statute of Limitations against them... you really should have a look at the forums at Consumer Action Group if you're interested in all this (currently over 50,000 members); saves us hijacking someone else's thread.

Thanks for that but I've never had a bank charge/penalty, never been overdrawn, never not paid my mortgage or whatever...

[softwizz]

speechless!!!

I just joined this board because I wanted to vent my spleen at this travesty being played out on the BBC web site, but I see that all you guys out there have more or less said it all for me.

The woman has a huge capacity for self delusion. She doesn't equate 'people who profligately spend money in the shops' with 'people who profligately spend money in the property market'. She feels hurt when commercial organisations take decisions which are in their own interests rather than in hers.

I can't believe how she and hubby went from what must have been a pretty secure financial position, to what is evidently now a desperate one, purely out of greed.

Wake up and smell the coffee, girl!

[meridian]

Thanks for that but I've never had a bank charge/penalty, never been overdrawn, never not paid my mortgage or whatever...

I've just defaulted for the very first time on my mortgage. Turns out that a Direct debit is taken from your account at 00.01am on the day it is due, so transferring funds at 08.30am will still mean that if at 00.01am insufficient funds were available then the DD will be reversed.

This is despite having more than enough funds in other grouped accounts.

Barclays barstewards!!!!

[cameraman]

I've just defaulted for the very first time on my mortgage. Turns out that a Direct debit is taken from your account at 00.01am on the day it is due, so transferring funds at 08.30am will still mean that if at 00.01am insufficient funds were available then the DD will be reversed.

This is despite having more than enough funds in other grouped accounts.

Barclays barstewards!!!!

Nasty!

I keep at least 3 months mortgage in the account the DD goes from - easier said than done I know - in case anything happens. What happens - are they charging you?

I would be interested to know what charges the bint what's in debt is talking about, and whether she means costs, because with the amount of advice she's getting from various agencies and emails to the BBC site, I can't believe that someone hasn't told her she need not pay punitive charges.

Or perhaps people just don't like her!

[weswesweswes]

I hope they nail her to the wall, she's exactly the kind of asshole that gives real contractors (oh, come on there must be some of us on here!) a bad name. In fact she's almost a pantomime contractor, you could almost believe she's a stooge for the IR, couldn't you?

Funny you should mention that. It's quite possible that she's got a history of being into a bit of Am-Dram.

Check this link for more...

[Ned Ludd]

Funny you should mention that. It's quite possible that she's got a history of being into a bit of Am-Dram.

Check this link for more...

She does write a good press release though:

http://www.pressbox.co.uk/Detailed/12160.html

[cameraman]

She does write a good press release though:

http://www.pressbox.co.uk/Detailed/12160.html

FFS she's even spelt "Michelin" and "Roussillon" wrong!

...two chefs have previously worked at the one michlen star restaurant called Rousillion in Pimlico, SE1 and offer similar great food and wines in a casual and informal environment.

Isn't the woman literate?