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    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
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    • We have finally managed to obtain the transcript of this case.

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MR2Phil Vs. Halifax Credit Card


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Hi,

 

Just starting a case against Halifax Credit Card. I already have the charges detailed etc and only comes to £396 so I'm hoping they pay out fairly easily!

 

Would love to hear from anyone that has been successful against Halifax CC with an idea of timescales etc. I have just sent off my Prelim letter and charge schedule by Special Delivery to arrive tomorrow afternoon. Whooo!

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Glad to see you have another thread, i will keep popping in to see how you are getting on. :D

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I won against the Halifax with my current account and they paid out quite easily and without going to court so I hope the credit card people play ball too! Plus its a very small amount but would still be nice to get back! Could almost pay the card off entirely (and cut it up!) with £300!

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Received standard "Thanks for your complaint, we'll be in touch in 4 weeks" letter this weekend. Do I go ahead with the next one now or have any of the rules changed giving them more time? Been a while since I did the bank charges one.

 

Thanks

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Sending off the LBA now...Special Delivery, natch. I make 14 days from tomorrow Boxing Day though. Last time I got the Halifax to pay up by making a phone call....might try that again, would be nice to get it before Christmas otherwise I can see it taking ages.

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Thanks both of you! I am MUCH more relaxed about this than defending my CL Finance claim though!!

 

Additionally, just to stress me out, I sold a Wii on eBay last week and now the buyer is claiming he hasn't received it...which means that PayPal will put my account into the red and come after me for £235.50!!!! Nooooooo!!!! I didn't send it trackable before you ask...! :(

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Additionally, just to stress me out, I sold a Wii on eBay last week and now the buyer is claiming he hasn't received it...which means that PayPal will put my account into the red and come after me for £235.50!!!! Nooooooo!!!! I didn't send it trackable before you ask...! :(

 

 

hi phil

if start a thread in here General Consumer Issues someone will give you help and advise

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Thanks Tilly, I already did that...just off to check it now! ;-)

 

Btw, it makes you realise what a wonderful forum this is when you ask the eBay boards for advice and get called everything from stupid to dishonest. Very few genuinely helpful people on there unlike this place.

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Btw, it makes you realise what a wonderful forum this is when you ask the eBay boards for advice and get called everything from stupid to dishonest. Very few genuinely helpful people on there unlike this place.

 

yes i totally agree with you thats what makes this site so brilliant there is always someone that will help you no matter

what the problem is :D

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Does anyone have any names and direct lines for people that deal with CC claims that have proved helpful in the past? Using this info with the current a/c meant that I was able to speak to someone directly who was able to authorise my re-payment there and then. Would be great to be able to do this again.

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Send the thankyou, but now wheres the rest, rejection letter.

 

They are trying it on with the £12 difference.

 

So yes carry on. :D

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thanks, Paul.

 

One more thing I wanted to ask: they are saying that any money returned will be as a lowering of the amount on my card. I'm not TOO bothered by this, but I wondered if I could just have it paid into my Halifax account (as I'm wary of them paying the money in then just lowering my limit).

 

Thanks

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