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    • Hi again all, below is another email they sent me, I just don't want to get in trouble or things to get worse with this crowd but I am taking your advice here. Anyway advice would be appreciated.   I am contacting you again after having tried to contact you both by email on 03/04/2024 and 10/04/2024, and by telephone on 10/04/2024 and 17/04/2024 to discuss the matter in relation to the regularization of the SOLIDWORKS case against xxx our company.   This is an urgent legal matter. Please contact me at your earliest convenience - +44 2921 920 296.    If we do not recieve a response before 24/04/2024, we will assume that you are not willing to settle this dispute amicably. The case will then be referred back to our client with whom, ultimately, the final decision lies on the enforcement of their intellectual property rights.    Yours sincerel y, Rhys
    • If you do get a letter of Claim and or Pre Action Protocol pack 15. Where there has been non-compliance with a pre-action protocol or this Practice Direction, the court may order that (a) the parties are relieved of the obligation to comply or further comply with the pre-action protocol or this Practice Direction; (b) the proceedings are stayed while particular steps are taken to comply with the pre-action protocol or this Practice Direction; (c) sanctions are to be applied. 16. The court will consider the effect of any non-compliance when deciding whether to impose any sanctions which may include— (a) an order that the party at fault pays the costs of the proceedings, or part of the costs of the other party or parties; (b) an order that the party at fault pay those costs on an indemnity basis; (c) if the party at fault is a claimant who has been awarded a sum of money, an order depriving that party of interest on that sum for a specified period, and/or awarding interest at a lower rate than would otherwise have been awarded; (d) if the party at fault is a defendant, and the claimant has been awarded a sum of money, an order awarding interest on that sum for a specified period at a higher rate, (not exceeding 10% above base rate), than the rate which would otherwise have been awarded. https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct   .
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Thanks all! My wife was driving at the time (took our daughter to get new school uniform) and I wasn't there so I'm not sure what the signage was actually like, but yes, Parkopedia says 2:30, so it's barely over that. I will check it out with her when she gets home later, I haven't even told her about this yet as she'll probably be quite upset. So - likely my best response at this stage is to just wait it out until a Letter Before Claim arrives?
    • check mcol does it state DQ N180 sent to you? if it does then: https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5088148 3 copies yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket) 1 wit you Suitability for determination without a hearing? no (that the issues are so complex they need to be argued orally') the rest is obv 1 to the court 1 to their sols (omit phone/sig/email) if no sols send to claimant 1 for your file   dx
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Halifax - Gesture of Goodwill - Reclaim charges ?


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Good Evening all,

 

I was after some advice on if you think I could reclaim the late payment charges / over limit charges on an old credit card ?

 

To cut a long story short I had a Halifax credit card running from 2002 - 2010 that I got into difficulty with, eventually running up an outstanding balance of £11,800

 

After many sleepless nights, countless number of letters back and forth, many requests for the singed original CCA, many threatening letters and a lot of advice from the CAG I eventually managed to get the debt written off, well not written off as such, Halifax made a gesture of goodwill payment of the full outstanding balance

 

Yes that's right £11,800 paid by them as a "gesture of goodwill"

 

This was all back in 2010 and I left it at that

 

Anyway with all the PPI stuff going around I though I would check to see if the policy ever had PPI (via SAR) which it did not, but there are quite a lot of over limit charges and late payment charges so I have filled in the compound interest calculator and it amounts to over £6,500

 

Do you think it would be cheeky to request these charges back ?

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will only be off set if Halifax still own it

pointless

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Good Evening,

 

I received a letter from Halifax, please let me know your thoughts :-

 

Thankyou for taking the time to contact us about your complaint, I am sorry for any upset or inconvenience you've experience,

 

I tried to contact you by telephone to discuss your concerns further. However, I've been unable to reach you. My understandings of your concerns from your original letter are you are unhappy with the fees applied to your account and feel they are unlawful. You wish Halifax to repay these fees with interest included in the payment. In addition you wish the removal of the default on your credit file.

 

My Decision

 

Having reviewed your complaint, and based on the information available to me, I'm unable to agree that there has been any bank error in respect to charges applied to your account.

 

My Findings

 

After a review of our records, I can see the outstanding balance on the account was reduced to a zero balance and a letter dated May 2010 sent to you confirmed this. As such any fees or charges which were applied to the account were removed at that point.

As such we will not be refunding any charges or interest as per your request as these were applied in line with the terms and conditions of your account.

Finally any adverse data in respect of a default in 2009 will have been removed after a period of six years so will not show on your current credit records.

 

What you need to do ?

 

If you are happy with my decision then you don't need to do anything.

If you are unhappy with any part of my decision, please contact me on xxxxxxx, alternatively you can contact me on the above address

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there you go then

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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