Thanks guys, I've sent a complaint email

I was being flippant regarding interest (see exclaimation mark) So a company is within their rights to take money from a consumer for a month even though they are 100% at fault? They could make a good little return on that if interest rates were better

Hi there I`m wondering where i stand with my issue. I ordered a £50 bottle of vodka from Very. When the delivery arrived, it was a totally different item (worth around £5). I arranged for them to come and collect the incorrect item and re-deliver the bottle of Vodka. The courier collected the item next day, then i got an email to say the Vodka was out of stock and the order couldnt be fulfilled. There was mention of a refund so i did an online chat with them, i was told that they need to wait until the incorrect item is returned, inspected and approved before a refund is issued, which could take up to 14 days then a further 14 days for refund. So far ive been out of pocket for nearly 3 weeks and i feel like i've essentially just give Very an interest free loan - where do i stand, am i able to invoice them for interest at the rates a standard payday lender would charge?!

Hi, I've just had tnt on the phone, they said that the claim has been rejected because the goods were not signed as damaged. I've asked for proof of delivery and the rejection letter to be sent to me. This is technically a business transaction as i`m doing it through my office

The value was only £90 and brand new replacement would be around £200, the postage cost has not been billed to me as yet but i imagine around £15. I will write to them tomorrow, thanks again for the advice

That's a fantastic post, thank you so much, I am the supplier - i sold an item on ebay and used TNT as the courier as we use them at my office, so at the moment i need to refund the buyer, recover the item and attempt to recover my loss, all because they cannot be careful with a package

I dont think it was even signed as unchecked, but the guy on the phone said that even if it was i still dont have a claim. Apparantly any signature is deemed as checked an ok unless stated otherwise and the driver is under no obligation to inform the person signing of this. They say that they will provide me with the delivery slip tomorrow and will discuss it further, but it sounds like i don't have a leg to stand on

Hi Tom, Thanks for that.. the recipients girlfriend singed for the parcel, sureley it is a criminal offence to open something addressed to another person (which is essentially what they are saying the recipients girlfriend should have done). The item was reported as arriving damaged within 5 minutes of being opened. Unfortunately, the signature had not been forged or anything, it was genuinely signed for. But i`m wondering now whether, A) Someone other than the intended recipient should be allowed to sign for an item B) if someone other than the recipient does sign, are they responsible for opening and checking the item? Im really unsure as to where i stand here, though it's good to hear that they pay up with a fight

Hi there. I sent an item by TNT a couple of days ago - it arrived today and i've been informed that the item was damaged in transit. After speaking to TNT they tell me that unless the goods are signed for as damaged or rejected, then i dont stand a chance of getting anything back and still have to pay for the privielge of sending the goods through their service. Are they legally able to do this? How many times would you even think to open a package in front of the courier (especially if you are signing on behalf of another person) and inspect every aspect of it, and how many couriers would stand and wait while you do it?! Can anyone help me out with this? thanks

Ive spoke with them and this all looks a mess Basically, they have told me that my estimated usage was £90 per month - surely this cant be possible! Anyway - they never informed me of this, they have had various readings But on the plus side, they are trying to sort out a payment arrangement for me Now i need to work with my new company to find out if a have a faulty meter or appliance somewhere. Thanks for all your help

Hi there, I have just moved my gas from npower and received a huge bill from them. When I have looked over the bill it seems that for the last 2 years I have been paying far less by direct debit than I should have. However, I was told by npower that £49 per month was more than enough to cover cas useage on a 3 bedroomed semi with gas hob - not oven. However, the shortfall is £420, and as Npower do, they expect me to pay this immediately in one lump. Would i be correct in thinking that npower should have informed me, because they are the only ones with the information about my gas useage and their pricing structure, and any outstanding amounts on my account, that my monthly payment was not covering my useage? Thanks

claim acknowledged today ;-)

Claim is filed.. ref:6QZ67090

Just filed my moneyclaim, Interstingly, after rejecting their initial offer, Halifax offered me a 50% settlement in a letter that arrived yesterday.

fantastic thanks. Just had an intersting conversation with phone banking. recently a charge has been applied to my unused account, it was listed as : charge as notified, however, when i looked at my online letters and statements there was no notification there. The guy i spoke to informed me that they do not have to notify me of charges, this is merely courtesy! I challenged him by asking for that in writing and his tune changed very quickly! Now im on hold to customer complaints dept! arse......elbow!

that's great, one last question, halifax have added some charges to my account since the last letter, can i add them onto the schedule?

I have the spreadsheet with the 8% on separately. As for the n1 do i still have to fill this in even if i file the claim online? My problem is getting to the courts during opening hours

can anyone help me regarding this? thanks

bump sorry but i need help!!

Ready to file moneyclaim now, i've stolen another forum members format, can somebody confirm that this is ok. Claimant has 2 accounts XXX and XXX with Defendant from 2000 to 2006 conducted on their standard terms and conditions. Claimant is claiming the return of £1267.00 + £98.00 (total £1365.00) taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from (31.05.02) to (15.9.06) of £290.15 + £19.99 (total £310.14). As i am not really able to make it to court more than is absolutely neccessary due to work commitments, I realise i will need to send correspondance between myself and halifax (3 copies) into the court with my claim reference number. Am I correct in thinking i only need to send copies of everything from the LBA stage and later? Thanks for the help

Hi All, I need some help with the next stage, I sent my LBA on 1 september and received a letter back from the halifax on 8th september offering a 20% settlement. I will be refusing this, but what i need to know is where do i go next, do i send another LBA or proceed straight to court claim? Also, how should I word my refulsal letter? Best regards Becausewecan

received the standard, how we will deal with your complaint pamphlet on thursday 24th Aug

Received statements yesterday, totted up the amounts - £1365 in total Sent prelim approach for repayment today - halifax have 14 days to respond.

SAR's on 2 x bank accounts and 1 credit card account went out today Recorded Delivery - will keep this up to date Becausewecan

Thanks Tim, The DPA Requiest will be issued to halifax tomorrow AM. Will keep everyone up to date on my progress Mark