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    • Laptops sent to schools for pupils who don't have a computer may have malware on them, as some schools are finding.   https://www.theguardian.com/education/2021/jan/21/malware-reportedly-found-laptops-children-england   Jolyon Maugham is also investigating the price paid to Computacenter, owned by a Tory donor, which appears to be too high. Some of the laptops have arrived without the sound facility which means children can't participate properly.
    • https://ourworldindata.org/         https://ourworldindata.org/coronavirus-data-explorer?zoomToSelection=true&time=2020-03-01..latest&country=USA~GBR~ISR~DEU~ARE~ARG~FRA&region=World&vaccinationsMetric=true&interval=total&perCapita=true&smoothing=0&pickerMetric=total_vaccinations_per_hundred&pickerSort=desc  
    • I find it difficult to imagine that they actually want to "repossess" the property. Presumably there is nothing in the lease which says that service charge debts are automatically secured on the property. You haven't told us anything about the value of the property as opposed to the value of the service charge which is being sought. To a certain extent it's outside my experience – but it seems to me that this would fall under the heading of an ordinary debt. Of course if they obtained a County Court judgement, then they might eventually be able to enforce it against your assets – one of which would be the holiday home. So I think you ought to give us a bit more detail and also post up the claim form in PDF format please
    • Government officials are advising UK companies to set up shop in Europe to avoid problems with red tape and taxes. Unbelievable.   Was Brexit meant to create jobs in Europe?   https://www.theguardian.com/politics/2021/jan/23/brexit-hit-firms-advised-government-officials-set-up-shop-in-eu
    • How are you getting on, labrat?
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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:o I'm amazed to read all of these fascinating and amazing stories! I cant believe that what the Halifax have taken off me in all of these years.....I can get back? Is this really true? For almost ten years they've been charging me £25/30 for going overdrawn...surely thats their right? If not..I'm gonna hit them "big-style"!


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Yes it is completely true.


Check it out for yourself - we've helped over 1,000 people get well over £1,000,000 back so far.


If you read through the FAQs thoroughly you will understand why these charges are unlawful, and what you need to do to claim them back.


Good luck!

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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Welcome and good luck to you, give us a shout should you need any help ok?:)

  • Confused 1



Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p



I have been smoke-free for 4yrs

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You can claim all of them (bounced items, paid items, unauthed o/d charges etc) but unfortunately you can only claim for the last 6 years worth (5 in Scotland)

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No you are still entitled to claim them back :) Good Luck!!


Post your progress as you go or if you get stuck, always people with the answers and willing to help here.

My claims


Halifax - Data Protection Act 26/5/06, non compliance of Data Protection Act 20/07/06, Prelim £260 3/8, LBA 19/8

TSB - Data Protection Act 25/6/06, total £225, Prelim 4/7, LBA 11/7, court claim filed 27/7

Capital One - DPA 20/06/06, Prelim £270 1/8 LBA sent 9/8

B.O.S CC - DPA 20/06/06, prelim 6/7 £130, LBA 21/7/06, court claim to be filed

Citi cards - Data Protection Act sent 20/06/06, prelim 26/07 £520, LBA t 14/8

Black horse finance - DPA 18/06/06, prelim 31/7 £180, LBA 7/8

Halifax joint account - Prelim 6/7 £744, LBA 22/7 court claim to be filed


My Mums claims


MBNA - DPA 13/06/06, Prelim 17/7 £738, LBA 7/8

Capital One - DPA 29/05/06, Prelim 10/8 £570

Barclaycard - DPA 20/06/06, Prelim 6/7 for £420, LBA 17/7 court claim to be filed

Littlewoods CC - DPA sent 3/7, non compliance of DPA sent 14/8

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THanks for the support and advice chaps/chappesses! I'm now reading thru some more of the forum and the D.P.Act which apparently where it all starts. THanks again and I'll keep you all posted.

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  • 3 weeks later...

just read this forum and you'll find everything you need, and there is a way you can claim for over 6 years but it's still exerimental, some people are trying/doing it, just look around and make sure you know what your doing BEFORE you do it :)



Halifax £3600 charges, won with C/I £6400


NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.


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Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

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Fantastic, thank you,

'I Hate Banks'
(Copyright that one!). I'll go through them and read some more Cases...them I'm ready to strike.:x So you claimed back Three Thousand four hundred and forty pounds! -wow.:lol:
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  • 1 month later...

Ok, I've started the ball rolling, I've sent a Letter requesting details of charges to both Marbles and Abbey National (Cahoot) last Friday,25th August. Already I'm checking my emails and post! Silly really. Oh well lets wait and see,40 days to go....

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Ok, I've sent a request of to this address (Cahoot)

Abbey National House,

2 Triton Square,

Regent's Place,

London, NW1 3AN.

and this one :

HFC Bank Ltd, Customer Complaints

Team, PO Box 3607, Birmingham, B1 2XJ



Neither cheques has been cashed and I've heard nothing yet. Am i being to presumptious?



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Your own branch and good luck.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.


Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Hi, So far I've actually bottled out of sending the Halifax anything. Simply because i still have an account with them. I guess I'm afraid of ermm annoying them. Sounds a bit girly I know. So as a precursor I've used the Marbles and Cahoot Cards as 'guinea pigs' to see how easy it is!

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HI There,


I have 2 accounts with the halifax & am awaiting sending my LBA my morgage & all bills come outof my joint account & i also have a single account more importantly which my wages go into!!! (plus i have a credit card with them, i will be opening up a parachute account.... Go for whatever you fancy first




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  • 1 month later...

Ok (finally) I've sent off my first letter requesting charges. Thursd. 5th October. Here goes.

Cahoot requested charges. Two weeks later got full amount of £185

Marbles requested charges.1 week later fob off reply.Oct 1st sent off secong letter warning off imminent court action.

Halifax 05/10/06 Charge request.

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Hi, So far I've actually bottled out of sending the Halifax anything. Simply because i still have an account with them. I guess I'm afraid of ermm annoying them. Sounds a bit girly I know. So as a precursor I've used the Marbles and Cahoot Cards as 'guinea pigs' to see how easy it is!


I'm in a similar position to Bubs who posted above - two accounts (one for my salary and bills and another one which has been virtually empty and unused for 18 months). There were threats mentioned in their standard letters along the lines of "if you don't operate your account properly..." but no specific mention of closing either account.


Halifax certainly dug their heels in and strung the whole process out more than the other organisations I claimed from.


Certainly was worth the wait though:)


A gentle word of advice - don't make the mistake I made in not claiming contractual compounded interest. I


It seemed too fiddly for my current account charges but I now realise that it is much more straightforward (and gloriously lucrative!) for any credit card charges.


Good luck with it all



Halifax - £3533.02 reclaimed

MBNA1 - £150 reclaimed


First Direct - £330 reclaimed

MBNA2 (OH) – £275 reclaimed

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  • 4 weeks later...

Haha! Halifax replied with my 12 (!) years of statements. all i need to now is add it up ,send off and wait. Incidentally has anyone tried claiming back MORE than the statutory 6 years?


Cahoot requested charges. Two weeks later got full amount of £185

Marbles requested charges.1 week later fob off reply.Oct 1st sent off secong letter warning off imminent court action. Full maount of £80 returned.

Halifax 05/10/06 Charge request

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Hi Bubble, I've looked at the interest option ..and it gives me headache. I'm claiming 1200pounds so i reckon the interest is worth having. I just can't work out which one? Simple/Advanced ? Contractual/Statutory ? How do i know if there is a Contractual interest? Sounds daft maybe, but the more i read the less i understand.... appreciate any guidance.


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pelvicthrust, bubble,


I have claimed contractual interest. What I understand as the basics of it, is that the contract between us and Halifax states that if we take unauthorised borrowing they apply a certain interest rate, if authorised another rate.


Therefore if they take money from us (unauthorised) the same interest rates should apply to their withdrawal from our account.


The charging of unlawful charges is an unauthorised withdrawal.


With contratual interest the rate applies from the date of the withdrawal from the account. I claimed 29.8%.


This can make a big difference to any claim.


In my claim I adapted particulars from others on this site to give the court alternatives, ie 29.8% or 18.9%, or the court rate of 8%.


Hope this helps - Go for it :D

  • Haha 1

There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.

Read through the

FAQ Section.... Use these links :grin:


Like what I say show - add to my reputation (click the scales!)

My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.

Halicrap - Full settlement 12/06 £408.34

Crapitol 1 - Settled in Full 27/04/07 £15808-)

All & Pester - Claim served £5695 4/09, Stayed

Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09

Lloybles - No CCA, CPR disclosure notices served.

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