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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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Paul v Halifax. Prelim Reply Received LBA Sent 11/04/06


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Well after looking into 1 years statements and totting up charges of over £600 I have sent the DPA letter requesting all paperwork in my account.

 

40 days and counting. Is it 40 days from sending or 40 days from reciept?

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Receipt by an appropriate person.

Read the DPA notes linked in the library

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  • 2 weeks later...

Recieved reply today. Here is the intersting stuff, verbatim.

 

Dear XX & XXX XXXXXXXXX

 

You have requested a copy of duplicate statemements since the account opened. There is a charge of £5 for duplicate stements however, in the interest of customer service, I have enclosed a list of bank charges which have been applied to your account since 2003. The information enclosed has been provided informally and free of charge. If you still require statements from the date quoted above, please let me know as soon as possible.

 

Turning to your request for a list of all the members of staff that have manually intervened on your account. Unfortunately, an investigation of this kind would involve a disproportitionate effort and HBoS plc is not legally obliged to supply the information.

 

If you require any further information please contact us on 08457 20 30 40

 

Yours sincerely

 

 

Customer Services

 

I sent the DPA letter from the library asking for a list of charges, however statements would also be acceptable. Like the way they turned that one around.

 

Also what is the legality of the last paragraph that they are not legally obliged to provide evidence of manual intervention? Are they truly under no legal obligation even though I send in a DPA request?

 

I will be writing back explaining the errors in their reply and reminding them of the amount of days that they have to comply but I would appreciate comments, especially on the last paragraph.

 

Ready, set, Go!

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Well Ive done my calculating and managed to give myself a headache into the process.

 

Including interest and 3 pending charges due in the next 5 weeks (unauthorized overdraft charge to be taken April 30th) I am owed close on £2000.

Suppose its time to get the prelim letter sent. Can I skip this and just go straight to the LBA or is that not advised

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Prelim Letter sent today by Special Delivery demanding £1598.00. I thought I would let them keep the £1.85 in interest as I think thats all their service to their customers is worth.

 

Lets see what happens in the next 14 days

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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  • 2 weeks later...

Recieved a reply to my prelim letter.

 

Talk about completey igonring your customers. Bear in mind I gave them 14 days for a satisfactory response.

 

Reply is dated 6 April but the envelope is franked 10 April, so whos out tray was it sitting in?

 

Dear ispartacus75

 

Thank you for your letter on 27th March 2006

 

Your complaint, as I understand it, is about the charges on your account.

 

We're keen to deal with your concerns as quickly as possibe. A Customer Relations Manager will investigate the points you have raised adn you will recieve a reply shortly, but certainly no later than 4 weeks.

 

You will find enclosed a copy of our leaflet, which tells you how we handle your complaint.

 

Yours sincerely

 

So they left it till the last day to reply (14 days ran out to day)

 

Oh well. LBA will be going today then.

 

THEY WILL NO LONGER DICTATE MY LIFE

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Just a quick update.

 

Had a reply back from local branch (all communications have been sent to them). Looking into my complaint and will contact me shortly. Standard letter with printed signature although I do now have the branch managers name.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Just taken phone call from Halifax.

 

Firstly wanted to offer me just over £300. I rejected this offer and told him that I would be going for the full amount. He asked my why I thought I was entitled to the full amount and I explained to him that the charges were punitive.

 

If the charges were fair and reflected actual cost we wouldnt have a problem. He claimed that the costs were published as charges so I asked him if it actually cost £39 to bounce a cheque to prove it. He said we dont have to. And then admitted that they cant. To which I told him that they hadnt proved it to the govt either.

 

He then raised the offer to £500. I told him to put it in writing.

 

Looks like Ill be waiting for a letter.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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Thread Locked

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Please

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Thanks

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