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    • No I have not. I will probably do that
    • Based on ECP's previous, what will definitely happen is this. They will send more idiotic letters. After they will send a Letter of Claim, and it is essential that your brother replies at this point to this to show them he would be big trouble in court. Next it is highly likely (but not certain) that they will crawl back under their stone and that will be the end of the matter. The slight worry is that if they do do court it will seem a likely story to a judge that your brother has no connection to the ticket, when it was him who appealed and replied to the Letter of Claim.  Indeed I think it would seem the lot of you were playing games with ECP and with the court by getting unconnected people involved and then later deny they were involved. So be aware there is that slight risk. You talked about "a mess" in your first post, and you weren't wrong. Someone hires a car and gets a ticket.  There is an appeal.  Who appeals, the hirer?  No, the hirer's mate's son.  Obvious! There is an approach for help to a consumer website.  By the hirer?  No, by the hirer's mate's son's brother! This is so damn silly and totally avoidable. Anyway, it seems the decision has been made for your brother to carry the can so whatever consequences will ensue will ensue. 
    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
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zodski vs Halifax


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Due to poor financial planning early in my career, and a mobile employment history recently (now stable) where I moved from BA on £35,000 into teaching on £13,000, I have had a lot of charges applied against me on an overdraft no greater than £500. It was always the case that the charges forced me into further unauthorised charges due to exceeding my overdraft. I reckon I could have run up charges approaching £2,000 over the last six years, but I meekly accepted them as I felt rocking the boat would cause me even more trouble.

 

However, I have just received charges of £118 after exceeding my overdraft by 36p!! This is a step too far, and I started to research what I could do about it. I found this excellent site, and am thus going to use it to chase down these exorbitant charges.

 

The main reason for this post is because of the fact that I was charged £30 twice for the same bill. Does this happen often, and are people aware that it happens? The first time was when I paid for posting a package for £6.40, unaware that it would take me 36p overdrawn. When I looked at my online account, I still appeared to be within the overdraft limit, so could only assume that the computer at the Halifax had seen an initial request for funds, and fined me accordingly. I got the message that I would also be charged £28 for the overdraft, but it would be waived if the exceedence wasn't more than £30. Great, I thought, 36p won't incur this charge. Silly me, the Halifax charged me £30 a week later, and then the £28 because I was now at £30.36 over the limit. Add to this the fact that the bill for £6.40 'appeared' four days later, which set the computer off on a frenzy again, as it now saw, I assume, a visible transgression. Another £30 on the bill. Then, having had to use a cheque to get petrol to get to my parents, I got charged a further £30, even though I had put enough money INTO the bank to cover BOTH the cheque and the criminal 36p. What I hadn't accounted for was the fact that the bank had chucked in the first of the £30 charges. All in all, £118 for 36p. No wonder the bank is onto a winner.

 

So, I am now making an attempt to recover all the money I have been overcharged. First off, though, is a letter to the bank to see if they will waive the latest charges, or else I will re-enter that vicious circle of having to go over the limit in order to pay off the charges. I am very angry, so help and advice will be appreciated.

 

Thanks for a great site - sorry about the length of this post, but its odd how anger can make you very verbose!

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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Welcome.

 

I would say that the letter to the bank is a waste of time. Concentrate on getting it all back by sending the DPA letter (+£10) from the template library.

 

Then spend as much time as you can reading the FAQs (step by step guide here) until you're familiar with the process and various stages. Spadework now will pay off in the long run.

 

Any problems post on yor thread here

 

Best of luck.

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Also - start to look out for a new account now - not because the Halifax are closing accounts as a result of the action, but because if things get difficult with these existing charges, you can move your income and 'start from scratch' with a zero balance.

 

Nothing inherently wrong with trying to get the latest charges revoked, but general experience would suggest it is unlikely - that's all.

 

 

Best of luck :D

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks for all that - a SAR is on its way to head quarters, as well as a letter to see if I can recover the latest charges. Pity it doesn't seem hopeful! Also reading the FAQs.

 

Once again, thanks.

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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  • 3 months later...

Due to a lot of pressing personal matters, my progress has fallen behind.

 

I've been reading on the forums that the Halifax have been using various tactics to inhibit progress with a claim (most recently the fact that they can only store up to 900 transactions without reference to their archives). I've had no reply to my last letter asking for the last 6 years of penalties. Is there a standard format letter for asking them to pull their finger out?

 

Thanks in advance.

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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Hi Zodski

If you sent the DPA in June and included the £10 fee ( have you checked if it's been cashed if it was a cheque?) you now need to send a DPA non compliance letter-there is one in the bank templates library and instructions about how to proceed (by alanfromderby)

 

hope this helps

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Thanks for that - its good to be helped through the woods made up of all this information!!

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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  • 1 month later...

Okay, after a couple of false starts, things have started to happen. I have just received from the Halifax a bundle of statements going back to 1999, and also a letter acknowledging my request for information. However, the letter stated that the bank was not obliged to release information about manual intervention on my account, and wouldn't send me this info. Will this materially affect my claim, or should I just let it rest?

 

I'm going through the statements and and entering the charges on the spreadsheet from the site. I'll be putting a claim in soon!!

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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  • 4 weeks later...

Latest update - on 2nd December, I sent a letter to the Halifax requesting £1922.00 in reclaimed charges. They sent me a reply on 15th December outlining their stance and referring me to their terms and conditions. As a gesture of goodwill, they have offered me the highest two years of my charges, being £968, pointed out that any future charges will stand, and that they reserve the right to close my account if I don't manage it correctly. I would understand the last bit if I were abusing the account, but the charges are incurred because my income very nearly matched my outgoings (bills etc), and therefore, whilst not deliberate, I do occasionally overshoot by a few pounds. The problem is, these few pounds compound the next months expenditure due to the fines. A vicious circle.

 

Now, I've looked around the site, and haven't come across this 'highest two years' offer. What does this imply, considering its being given as a goodwill gesture? Should I accept? I don't see why I should, as they have 6 years plus of fines, and I'd be more than happy to push it further.

 

As ever, your advice will be hugely appreciated.

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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Amend the 1st paragraph of the LBA:

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account.

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder.

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Until recently they only offered the highest 6 months, now it seems to have gone to highest 2 years. There are other threads which mention this.

 

You've only had their standard response, with the usual threats, so stick to the timetable and step-by-step guide. Reply and use a modified version of http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html, changing it to suit your own figures of course.

 

Chances are they will not reply to this, or may send an increased offer letter. Either way, stick to your guns and do as you've told them - using your original timescale from the LBA before taking court action.

 

If you feel like having a chat with them, call the person who sent your offer letter - it should be a direct line telephone number on the letter - and ask them if they will agree to pay in full. It usually works as they now seem to want to settle and save having to pay back court fees, plus the 8% interest that you would claim if you went that far.

 

If it helps, have a read of my thread - http://www.consumeractiongroup.co.uk/forum/halifax-bank/39442-old-dj-halifax.html

 

(I see I got pipped by Michael - LOL)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 3 weeks later...

Thanks for the the help and advice so far.

 

I've received a letter from the Halifax stating that they were being really good to me by offering me the best two years of my charges, that I must be really stupid not wanting to accept it blah blah blah. This was in response to my last letter, and arrived the day after the deadline.

 

I sent my LBA, requesting £2000 plus, the day before, so I am now waiting for the completion of the 14 day period before I submit my Court papers.

 

Your thread, hillards, has been a great help, especially the link about not wanting to go to court. It helped me make up my mind to push on forward. Thanks.

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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  • 3 weeks later...

Good news - just as I was about to fill in the court papers, I got a response from the Halifax. They wrote to say that despite the fact that I had refused to accept their previous offer, they would make a full and final settlement of £2077 - take it or leave it.

 

Naturally, I have taken it.

 

Can I say thanks to everyone who helped here, and the strength that you all gave me in pushing on with the claim - it has solved an immediate financial crisis, mainly generated by a vicious circle of charges. I am now able to raise my head above the parapet, especially as I am now fully established in full time work.

 

One enourmous thanks to you all!!

£118 for exceeding my overdraft by 36p?

And it makes it all happen again next month.

Enough is enough!

:mad:

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