Jump to content


  • Tweets

  • Posts

    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

halifax mint credit card debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2607 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello can anyone give it this letter once over for your opinions please, letter recieved today,mentions default notice too, back in 2009 which i had not received at all,also mentions agreement ended but still paying mthly in to their direct bank account through internet banking , is that right? if the pic to small to read any ideas how to make them bigger? whats nex,t account dispute letter ?:???:

 

 

LETTER IS DOWN ON POST 6 TO READ

P1010005-1-1-1.jpg

Edited by bezzy0_0
spelling pic resize?
Link to post
Share on other sites

  • Replies 96
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Ignore the letter, they are trying to confuse you. If they cannot produce an enforceable agreement the most they can do is ask for payment, they cannot enforce it through a court.

 

You'll just have to see what else they provide before you decide how to continue.

Link to post
Share on other sites

thanks for reply appreciated , there is sorry looking reconstitued cca's x2 with this letter , cannot make heads or tails off them all copied extracts of what they want you to read and very little what i supposed to get, LOTS OF RELEVANT OMISSIONS I GUESS, cannot find anywhere when agreement started , whats owing , interest /cancelation info ,very poor in my opinion , would put them up but thave to wait till reach 20 posts 1st, did not receive dn back in alledged 09, been paying through internet banking a reduced agreed amount not missed , do i send in the letter of dispute now await what they come back with?

Link to post
Share on other sites

  • 1 month later...

Helllo everyone , has any one had simular circumstances of the below, short story, requested cca for credit card account , sent of sar , usual fob off paperwork sent back , sent cputr 2008 confim denial or holding current cca , no mention or replys to this one has yet, did get back letters which were not expected,letter reads:

 

i am writing in regards of recent payment to the above numbered account

 

(no details of when they refer to):???:( that wouldn't be my recent token payment you received then:roll:) then goes to say:

 

the card number quoted by your bank/building society was incorrect, so your payment could not be applied automatically to your account. on this occasion we have manually applied your payment to your credit card account

 

(funny that, has i have used the same automatic online payment procedure from my account to them for last 3 years with out any issues what so ever:???:)

 

(are they up to something i am not aware off ?)

 

from an angela taylor senior manager customer services

 

also 2nd letter received

 

you recently wrote us with a complaint regarding your halifax credit card

i responded to your complaint on XX march 2011 and in that letter i enclosed a cheque for £25.00. however sadly due to a processing error it seems the check(how they spelt it)lol, was not included in the letter and has now been cancelled for that reason.

 

(what letter sent ?dated has a above , did not get one never mind a cheque)

 

please see the enclosed cheque and please accept my opologies for this delay.

 

( dont recall sending a complaint letter has such, has they have never to date sent me their complaint procedures that i had requested)

 

sent by peter kerr customer relations

 

ANY ADVICE WELCOMED

Edited by bezzy0_0
spelling
Link to post
Share on other sites

Halifax are allegedly useless at actually reading and understanding the content of letters sent to them. I have, in the past had terrible troubles with that very point, and had I known of CAG then I could have taken them to the cleaners, sadly it is too late now. They are, of course, not alone in that particular failing, I would recommend resending your letter typed in at least font size 20 (I know will use alot of paper) and request that although their previous responses are very interesting and will be carefully filed away, you now require a personalised reply to the points raised therein.

 

I wish you luck, but don't hold out too much hope!!

Link to post
Share on other sites

Halifax are allegedly useless at actually reading and understanding the content of letters sent to them. I have, in the past had terrible troubles with that very point, and had I known of CAG then I could have taken them to the cleaners, sadly it is too late now. They are, of course, not alone in that particular failing, I would recommend resending your letter typed in at least font size 20 (I know will use alot of paper) and request that although their previous responses are very interesting and will be carefully filed away, you now require a personalised reply to the points raised therein.

 

I wish you luck, but don't hold out too much hope!!

 

thanks for that , reply appreciated ,

still not sure what there up to , should i put the £25 pound cheque in my bank?

still in dispute with them,I dont want to be firing off more letters to query the strange letter replys, just leave them stewing over the CPUTR 2008 RECENT REQUEST .

Link to post
Share on other sites

  • 1 month later...

Hello everyone, not been on my thread for a while due to dealing with others, anyway update of info /letters sent to me between march and up to may 2011, i ave posted 15 atachments to be followed next page by another 11 so read all , esp the S.A.R request only ackowledged a few days ago somewhat 70 days late , is there any compensation procedure i need to be doing with halifax , has all others complied with the deadline.?still have recieved nothing to date in regards to sar and they are aware i want to reclaim bank charges etc, any advice on what they have sent me in regards to cca enfocibility with the reconsittuted?

P1010166halifax1.jpg

 

P1010167.jpg

 

P1010168halifax.jpg

 

P1010169halifax.jpg

 

P1010170halifax.jpg

 

P1010171halifax.jpg

 

P1010172halifax.jpg

 

P1010173halifax.jpg

 

P1010174halifax.jpg

 

P1010175halifax.jpg

 

P1010176halifax.jpg

 

P1010177halifax.jpg

 

P1010178halifax.jpg

 

P1010179halifax.jpg

 

P1010180halifax.jpg

Edited by bezzy0_0
Link to post
Share on other sites

continued from above post.

P1010181halifax.jpg

 

P1010182halifax.jpg

 

P1010183halifax.jpg

 

P1010184halifax.jpg

 

P1010185halifax.jpg

 

P1010186halifax.jpg

 

P1010187halifax.jpg

 

P1010188halifax.jpg

 

P1010189halifax.jpg

 

P1010190halifax.jpg

 

P1010191halifax.jpg

 

P1010192halifax.jpg

 

P1010193halifax.jpg

 

 

dont understand why they sent me the last letter with the data sheet i never requested anything like this?any thought anyone?

Link to post
Share on other sites

CAN HALIFAX CREDIT CARD SERVICES OFFSeT MONIES FROM MY LLOYDS TSB BUSINESS ACCOUNT URGENT INFO REQUIRED HAS SOON HAS THANKS , THIS IS WHATS SENT TO ME TODAY

 

P1010212halifax1.jpg

 

P1010213halifax2.jpg

 

ANYONE PLEASE?

 

Also can tell me i am suppose to receive regular monthly or yearly staements of account,

 

has i have not had any sent to me since default for a few years or more now , why sent this one

 

above now> is it because i have recently stopped paying them ?

Edited by bezzy0_0
Link to post
Share on other sites

Really need your urgent help with this one guys ,

getting no response eleswhere with in other tread posted recently,

 

have a credit card debt with halifax fo 4k and in dispute of them not locating my original cca, which they have admitted they cannot produce, but they still insist that its still enforcible, sent me reconsituted ones , copied from what??

 

i have also hopefully a safe account with lloyds tsb business, of 27 yrs , want i want to know ,

 

can halifax offset funds from my lloyds tsb acccount , do lloyds tsb operate independant licence meaning halifax will not be able to offset??see below sent other day, :sad:

 

P1010212halifax1.jpg

 

any speedy advice really appreciated

Link to post
Share on other sites

I would move those funds ASAP, they do have the right of offset.

 

thanks for really speedy reply cerberusalert, appreciated,

well i was dreading that response,

the real problem is that i would love to do what you suggest ,but its not that straight forward for me.

my lloyds tsb business account, i am disabled, run a business which is just about providing a living for me and my dependants, one of children is severely diabled,

most of the funds coming in other than salary, which is not alot because of my disibilty,

are from my dla disability living allowence, war pension, housing benefit, and working tax credit which amounts to over 1k mth

the problem is because of my x4 defaults in 2008/09 with credit card compines in the past, i have a bad credit rating,

following advice on here a few months back i tried to get a parachute account in order to move the direct debits i have and have all my credits from dla etc paid in there too, but i got turned down by citibank, has i believed they were favourable according to posters , i have no ccj's etc,,

i have recently got rid of my long standing overdraft with lloyds has to pricey, so running no overdraft, in credit too. not by alot though,

if halifax do take out funds we stand to lose everything, get behind rent to the landlord, possibly lose lease of 11 years we had so far,have no where left to bank with, if i cannot get a parachute account,

i could run the lloyds account a bare minimum so they cannot take too much ,which pretty much what i do anyway,

but i am sure i would not get another business account elsewhere, and not sure if its good idea to reapply for another basic parachute account so soon , its only been a few mths since last refusal.

so what options do i have left open to me?

1)although i only stop paying halifax for 1st time last mth(hoping to go SB route) do i pay a £1 token fee mthly. etc?

 

 

2)???????????????????????

Link to post
Share on other sites

Try the Post office or the CO-OP for an account.

 

If all else fails then, Lloyds will/should inform you that they will be using another account to offset, in this instance you can send them a letter informing them of a right of appropriation, by which you basically inform them that they cannot touch any money in your account as it is all spoken for.

 

http://www.consumeractiongroup.co.uk/forum/content.php?578-Right-of-Appropriation-Stop-the-bank-from-taking-your-money

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

The Cooperative do a basic a/c, everything but chequebook or overdraft. It can be applied for on-line or over the 'phone.... http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

thanks , i noticed this one a little while back, but i am sure i remember reading avidly in the forums that people were being turned down even for this account,

that had simular credit ratings has myself, would the timing be approaite in regards to credit checks for the co-op account being made,

bearing mind there will a footprint of my last refusal on file a few mths ago,your advice is good , i know what to do , i have to get myself in to gear so to speak , also i am aware my credit file is pretty much trashed, not borthered about that has dont want or intend to get credit again. dont want another refusal really

Link to post
Share on other sites

People were having problems when they applied in the branch offices, the front desk staff didn't seem to know/comprehend about these a/cs.

bearing mind there will a footprint of my last refusal on file a few mths
They only stay on for about 3 months, but even then you are not asking for a credit a/c.
Link to post
Share on other sites

Did you say the Lloyds account is a business account? If so is it in the name of the business? They won't be able to offset from that account if it is, as a business is a separate legal entity. If it's in your own name (say as a self-employed person or sole-trader) then maybe they can.

Link to post
Share on other sites

Did you say the Lloyds account is a business account? If so is it in the name of the business? They won't be able to offset from that account if it is, as a business is a separate legal entity. If it's in your own name (say as a self-employed person or sole-trader) then maybe they can.

 

i am the latter, sole trader:sad:

Link to post
Share on other sites

  • 2 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...