This topic was closed on 03/08/19. 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

Recently my father, who is 67 had a double glazing company cold call at his door, he said he was interested and the following day a salesman called. After giving him the patter my dad agreed to just under £5000 of double glazing. Later that week when I spoke to him I told him that I thought he should have got more quotes. Long story short, he found another reputable company (b) who would do the same job for substantially less. He sent the original company (a) a recorded signed for letter informing them he wanted to cancel the contract within the permitted 7 days cooling off period. Today he rang me and said company (a) had told him he cannot cancel the contract as the surveyors had passed the details to the manufacturer and if he refused to pay they'd take legal action. My limited understanding is that a consumer may cancel within the cooling off period UNLESS services and/or custom, made to measure items have been manufactured. Company (a)'s contract states that the contract cannot be cancelled after the surveyors visit, however the surveyor visited my fathers home the day after the salesman, only 2 days after the canvasser and the initial contact. Does anyone have any wisdom they could empart. Many thanks Andy

I was a bit surprised too. Thought they'd make me wait the full 28 days.

24/05/06 Letter from Halifax saying not cost effective to defend etc.... Claim settled, checked bank and money in my account. Result.

22/05/06 Halifax intend to defend the full amount.

Claim file online tonight (05/05/05) Let it pan out and see what happens.

I'm about to file my claim on moneyclaim, should I use Halifaxs corporate HQ and if so can anyone tell me what it is? Tried looking on halifax-online but it's almost as if they don't want their customers to know it. Funny that eh? Cheers all

DPA = Data Protection Act Request(Tell me how much I've been charged scumbags) LBA = Letter Before Action (Give me my cash or see me in court)

Surely a DD can't cost them £39...... Lets say for examle if I were to use my debit card in store "X" and their were insufficient funds it would just be declined, no letters, no charges just the cashier asking if I had another way to pay. I'm not an expert in banking administration methods but I don't understand the vast difference in the banks approaches to these electronic transaction methods. Any thoughts?

Lets say for examle if I were to use my debit card in store "X" and their were insufficient funds it would just be declined, no letters, no charges just the cashier asking if I had another way to pay. I'm not an expert in banking administration methods but I don't understand the vast difference in the banks approaches to these electronic transaction methods. Any thoughts?

Janet Pollitt Customer Realtions Manager, Core Business Team, Customer Realtions Was the lady (!)who dealt with me initally, would be interested to know if she's dealt with anyone else here.

Received my offer. Total charges 01/03/2001 - 24/03/2006 = £868 They offered £450 - No Ta. Posting LBA today.

I find it quite plausible for banks to use unscrupulous tactics like telling their employees to waste their customers time by promising things and not delivering. Good advice Bookworm. Thought she was quite nice and reasonable till the snidey comment. Though she did admit she was reading a prepared speech as to what to say and that there's been a lot of requests for DPA's of late. GOOD, I hope every single one pursues it and gets a reimbursment.

I did send a letter of complaint after receiving a £39 charge for an unpaid DD with the threat of a £28 unauthorized overdraft charge. Today I received a phone call at work from their complaints dept asking how I would like to proceed! She generously offered to negate the £39 charge and the £28 overdraft charge at which point I explained that I had been doing some research and would be requesting a copy of all charges for the past 6 years. Long story short, she told me there were almost £900 of charges in those 6 years and she is authorized to offer me just under £500 (I forget exact figures). The interesting bit is she claims it is company policy to refund the the charges for the 6 months that has incurred themost charges. I thanked her for contacting me personally but asked for a copy of any offers to be sent to me in writing, which she said she would do, as well as a copy of all charges over the past 6 years. One thing that made me bite my tongue was while idly chatting I asked her if she'd ever looked in to the legality of the script she was reading to me (Part of the terms & conditions, not legally obliged to supply details of manual intervention blah blah blah) and she said. "I don't have too, I don't have any financial difficulties!" CHEEKY B***H Any difficulties I've had have been caused by them in the first place. Anyways, good luck to everyone taking a stand, this site is a goldmine for ammo.