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    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi @BankFodder I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.  It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. So when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.  Thanks!  
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    • Hi What they have asked in what you have highlighted isn't unusual at all as Councils have numerous different departments that deal with specific different areas within that council. So if what you are asking in your DSAR is say specific to Housing Benefit, Council Tax Benefit, Planning Permission etc then just let them know that specific area. On the other hand if you want every bit of DATA they hold on you then simply tell then ALL DATA they hold on you it's them up to then to go through all depts to check for it. 
    • A growing number of couples are booking a content creators to capture their special day.View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax Credit Card


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Hello

 

Just looking for some advise. On the 2/11 I paid my Credit Card in full and asked for the card to be closed. The girl I spoke to said that the balance was clear and I would recieve a final bill showing nil balance and that the card had been closed.

 

I have today received a phone call from the Card Collection team asking me for 53.02 as I had missed the payment date of the 11/12.

 

I have not recieved a bill which was originally for 40 odd pounds and now they have added a 12.80 late payment charge. I explained to the collection team that I did not have a problem paying the 40 odd quid but I would not pay the 12.80 for a bill that I never recieved.

 

She told me to call customer services which I did and she said that it was my responsibility to call and advise them that I had not receieved a bill!!! How am I meant to call somebody when as far as I was concerned the bill had been paid in full. I explianed that I would pay the 40 odd quid but not the 12.80 she said I had to and that I needed to call the collections team to pay it.

 

Does anybody have any advise before I call them to pay. The 40 odd quid is interest from the time the bill was sent to me paying on the 2/11 according to them.

 

Many Thanks in anticipation.

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Hi I have been thinking more and more about this and the more I think the more I get wound up by it.

 

I have had this card which is the Halifax One Card for just over a year however I originally had the halifax classic card for roughly 4 years. I had originally paid the Classic Card off but had over paid them by 85p (They sent me a bill for 15p but as I use internet banking to pay for my bills the minimum you can send is £1)

 

I had a couple of late payment charges for £20/£25 a few years ago and have a couple of the £12 charges more recently.

 

Just wondering if you can reclaim the £12 charges applied?

 

I am considering reclaiming the charges thats all as they have wound me up too much

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Hi

 

Unfortunatly I don't have them so I'm going to have to SAR them.

 

I have just paid the 40.18p that I owed them. But have advised that I am going to be writing to them to complain about the 12.80 late fee. I'm not paying it when I didn't get the bill. Once I get a resolution to that complaint then I will SAR them and I'm going for interest ontop as well.

 

I know it seems petty but do you think I would get away with asking for the 85p that I overpayed them about 2 years ago along woth interest on top as well?

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  • 1 month later...

Hi

 

Just wondering if anybody knows where the 4 week start date comes from when you send in a complaint letter.

 

The complaint letter I sent was signed for on the 21/12/07. I receieved a letter from them on the 28 or 29/12/07 dated 27/12/07 to advise that they had receieved my complaint and as per fsa guidelines I would recieve a response within 4 weeks.

 

Is the 4 weeks from the date they got my letter / from the date of their letter?

 

I'm just thinking if it from the date of my letter then they have not resolved it in time and I think another phone call may be looming.

 

Many Thanks For Advise in Anticipation

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What was the complaint letter you sent, was it a request for the charges or a general letter of complaint.

 

Sharkie

 

Sharkie - V - Woolwich = Won

Sharkie - V - Sainsbury's Visa = Won

Sharkie - V - HSBC = Won

Sharkie - V - Halifax = Won

Sharkie - V - MBNA = Won

Sharkie

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Hi,

 

It is a general complaint I have sent them for now. They have wrote and advised they are still investigating the complaint and I will get a reply within 4 weeks.

 

As soon as this is resolved I am going in for my credit card charges back.

 

I'll keep you all updated.

 

Many Thanks

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Lynski

 

I would get your S.A.R. in whilst you wait for them to reply to your letter, if you have mentioned charges in your letter of complaint and they see that you have now made a formal request for information you may get a response.

It will only cost £10.00 plus the cost of a recorded delivery £1.04, chances are they will send the £10.00 back.

 

Sharkie

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Hi

 

Just to let you know I have got a reply wo the complaint letterI sent in and I do not have to pay the late fee. Result!!

 

Yesterday I S A R them so we'll see what happens from here.

 

Many Thanks For your Support

Lynn

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Well done

 

The S.A.R. can take a while in the meantime for £1.00 plus the recorded delivery costs, I would send of a CCA request.

It will register that you are serious.

 

 

Sharkie

 

Sharkie - V - Woolwich = Won

Sharkie - V - Sainsbury's Visa = Won

Sharkie - V - HSBC = Won

Sharkie - V - Halifax = Won

Sharkie - V - MBNA = Won

 

 

If this has been of any help, and or support click on the scales.

Sharkie

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Your claim now just for for charges, there is no no need to send a cca letter for this.

 

This should explain a cca. http://www.consumeractiongroup.co.uk/forum/show-post/post-742396.html

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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Hi

Receieved a letter from Halifax today to say the info. I requested has been ordered and that I should recieve the docs. within the next 2 weeks!!

 

In the letter it does say the following:

In relation to your request for information about any manual intervention on your account. As the the Halifax is not required to record this information I am afraid I am unable to assist you further with this request.

 

Is this right/ Or should I be entitled to any manual info they hold?

Many Thanks in advance.

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You wil receive the statements, that you asked for. They dont normally send this info out.

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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That's good for you. They can not prove manual intervention, so the charges must be automated. Just add up the charges when you get the statements, and we'll tell you what to do next . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Helo,

 

I have recieved my statements today but they are not all there.

 

Let me explain a little further. I had a Classic Card which was visa from Aug 2002 until Sept 2006 when they changed it to the Halifax One Card which was Mastercard until I paid it of in Nov 2007 and I cancelled the agreement.

 

The statements they have sent me today consist of Aug Sept Oct Nov and Dec 2002 and Jan & Feb 2003 thats it.

 

After that there is a seperate paper headed fee and charges extract with 1 charge of £20 from March 2003. There is then another piece headed fee and charge extract with £12 late fees from ranging Feb 2007 until Nov 2007.

 

I know I have more charges than this as I have quite a good memory when it comes to things like this.

 

How would I go about getting the rest of the statements from both cards?

 

Any advise much appriciated.

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If you receive incomplete statements then you send the appropriate letter from this link...

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

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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  • 2 weeks later...

Hi, just to let you know that I posted the missing statements letter on the 14/2 as yet not recieved anything they have until the 6/3 anyway.

 

Just noticed today though on line banking that they have taken my £10 access fee yesterday. The cheeky so and so's will keep you updated once I recieve or anything else.

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  • 1 month later...

Hello

 

Sorry Iv'e not updated you for a whicle I have been offline due to a massive mistake by bt.

 

Anyway I sent off the letter advising missing statements etc. About 4 weeks after that I recieved the charges and extract fees sheet again. Only this time there were no statements at all. Do I need to re request these again or shall I just claim the few charges that they have sent me?

 

Also with the 1st card being a cashback card how do you go about claiming this as I never did at the time?

 

Many Thanks and I hope everyone is well.

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