Jump to content


  • Tweets

  • Posts

    • Thanks everyone. Will speak with the manager first chance I get later today and let you know.
    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Halifax Credit Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5842 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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?

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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. .

Link to post
Share on other sites

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.

Link to post
Share on other sites

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. .

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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. .

Link to post
Share on other sites

  • 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.

Link to post
Share on other sites

  • 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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...