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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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    • 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

Seasidelady V Halifax****WON 2 CLAIMS SETTLED IN FULL*******


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Hi everyone,

I thought i wud giv this a go. Although at the moment it does look quite complicated. So i think i have more reading to do..!

The thought of getting charges back it great as halifax has charged me for the fun of it at times im sure :( .

 

Im really hoping that its going to be easier than it looks, i dont even know where to start.

 

Oh well i just thought id say hi, so HI.....!!!!!!!!! :)

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Hi! welcome to the forum ...first of all you would need to send a Data Protection Act the letter can be found in the library in this forum along with £10 to request 6 years of statement

 

here is the link for the letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

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Thanx puppylove,

Thanx 4 the help, its very appriciated. I will do stage 1 today. I have also found the letter on here that u copy from

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

I think thats it. ;-)

If not please let me know.

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Hi puppylove,

sorry im a pain but where do i send it to?

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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i all,

I have just completed my letter and wrote the cheque, but this prob sounds a bit daft but can anyone tell me who to address the cheque to and do i post to my own halifax branch?

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Its ok,

I found it.

 

REGISTERED ADDRESS: -

HALIFAX PLC

TRINITY ROAD

HALIFAX

WEST YORKSHIRE

HX1 2RG

I think this is it

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Ok, i have posted my letter to request my statements. So here goes..!

 

I must admit i will be a nice change to look forward to seeing the charges and not dread them.

But i am very nervous of the "what now"

But i know theres help everywhere on here, so fingers crossed we might get somewhere.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

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Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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its ok i found it,

I thought that was the one but was just checking. Dont want to start this by sending to the wrong place.

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thanx Brian,

Although u might just regret saying that lol.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi Sea-side Lady. thanks for your message - and good luck with your claim. it does seem like it takes forever but it's worth it, believe me! Just don't get fobbed off by the Halifax - they are going to deny point blank that they owe you any money but the fact that they pay up every time, eventually, is proof that you are in the right hee. Follow the step by step guide, make use of the templates and you'll get your money:)

  • Confused 1

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

--------------------------------------

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Ok, so i have read and read, and will continue to read everything i can, i dont want to trip up along the way.

Anyway all posted so im on the 40 day countdown.

I will keep u up to date when the first letter arrives.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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I have merged your threads together as it is easier to follow your progress if everything is in one place.

  • Confused 1
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi,

Im still waiting for my statements, but i was wondering.

I have 2 accounts with halifax, 1 is a normal account (direct debits) and the other is a cheque account. I was going to do a claim and put them together, but i just want to check if i can do that or do i need to do 2 seperate claims?

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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I have just recieved a reply from halifax to say they recieved my request, and i will recieve my statements no later than 15th December. So let the fun begin..!!

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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You can put both accounts together if you like, but remember that if the total claim is over £5,000 it will not be classed as a small claim. If you decide to make 2 claims let one finish before starting the second or they may get lumped together anyway.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you,

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

Checked my account and the £10 cheque has been cashed today, so hopefully not long to wait for my statements. The waiting is driving me mad, i just want to get them and get started!

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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mine took 42 days, it seems to be they leave it as long as possible, but we just have to remember how worth it it will be!

Halifax

 

data request handed into branch: 25/09/06

 

statements received: 08/11/06

 

Total Charges to date: £569.00

 

 

1st letter handed into branch 20/11/06 requesting £607.75

 

LBA handed into branch 04/12/06, have till 18th dec to respond....

9th December... SETTLED IN FULL!! YAY!!

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