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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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    • 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.

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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.

      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
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angie27 v Halifax ***SETTLED IN FULL***


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Woke up this morning feeling lots better about the whole bank charges thing, knowing that i can take action and that so many others have been succsseful. I intend to send the request off tommorrow or saturday for my statements. Will keep you posted.

Without sounding a little stupid(which i'am) on the letter do i need to request the period in which i'm asking for statements. Actually after writing this, i think its probably the right thing to do. :idea:

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Sorry to be a pain. Who do i make the cheque payable to. Just Halifax or is there a specfic person:confused:

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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cheers. I'm strangely excited by this all. The thought that i may finally get something back.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Welcome to the Halifax forum.

 

The first paragraph of the SAR request letter is a catch-all statement - whatever they have, they should supply.....

 

"Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable."

 

 

Threads merged - pease use this thread for all Halifax updates regarding your case - Thank you

.

..

.

 

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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  • 2 weeks later...

Starting to get really nervous, only just posted first letter asking for statements. worried about all the things that could go wrong and im still having slight trouble understanding everything. (two children stole my intelligance) Has any one else got worried about it.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Halifax recieved the request for statements on the 27.7. Does the 40 days start from there or shall i wait for them to cash the cheque? When is a good time to make a follow up call? Any advice appreciated.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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If they received the payment with the letter, then it's the date of receipt that counts. It doesn't matter when (or if) they decide to cash the cheque.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hi to all. When is it a good point to do follow up calls in the 40 day period.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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After about 30 days give them a reminder call with the list of outstanding items and the date when you can take action against them for failing in their DPA obligations.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Thank you. Still have a little wait then.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Just to keep everyone up dated, recieved a latter this morning, looks standard as its addressed to sir/madame. It reads that the statements have been ordered and are on the way.

It does also say " With regard to your request for information relating to manual intervention on your account, HSBOS plc is under no statutory obligation to record this information and therefore, I am unable to assist futher with your request".

Is any one able to translate a little for me.:!:

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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It's not strictly true - see my post here

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Sorry to be a pain. I'm not worried so much about them closing the current account but i have other accounts with them such as childrens savings and my own. Is it likely that they will close all accounts, six in total.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Ok thanks for the help. Is it worth chasing the manual intervention side of things? I'm still reading and still learning.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Hello there. More advice please. At last recieved some statements this morning but only for one of the three accounts that i requested.

 

1, Do I assume the rest will follow or do I work out charges and claim for these whilst chasing other accounts?

 

2, With credit cards, what charges am I looking for? Over limit and late fees?

 

3,Halifax are still within the forty days so do i wait for the other statements or send a gentle reminder?

 

Sorry if i'm asking the obvious but wanna be sure i'm doing this properly.:!:

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Just another question. Sorry i know i'm a pain. The schedule of charges that you attach to the pre letter do you have a template. I have looked but i can not find. May just be me though.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Seriuosly need some advice and a reassuring ear. Please see above.:sad:

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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1, Do I assume the rest will follow or do I work out charges and claim for these whilst chasing other accounts? Yes, if the others turn up you can amend your claim right up to moneyclaim and amalgamate the three claims as long as the total is less than £5000

 

2, With credit cards, what charges am I looking for? Over limit and late fees? Yes

 

3,Halifax are still within the forty days so do i wait for the other statements or send a gentle reminder? Wouldn't do any harm

 

 

Scheduile of charges: Fill in spreadsheet, save it( for use later at court), then delete the last 2 columns (8% bits) and print out

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thanks Michael.

I was having a moment of panic. I must admit i was surpised that i had been so good with the credit card only £125 in charges which was quite good. I know however that the current account is the worse. Last month it was £180 alone i dread to think whats happened over the last six years.

i will give Halifax a ring in the next couple of days with a gentle reminder stating that the 40 days is up 9th September.

Thanks again.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Second lot of statements came this morning. Just with high lighter now. Waiting for one more lot of statements and i'm ready

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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  • 2 weeks later...

Hello just let you all know where im at. Recieved statements for two halifax accounts charges £500 odd, but not recieved statements for my current account. Whilst transferring money today i asked very politely where the statements were, to be told that they had never recieved a request for them. Funny how they managed the other two accounts! The lady apologised and promised that they would be here in seven days. Is it a delay tatic. I think so.

Seven days is within the 40 days but just. I can see myself calling next friday.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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Oh a question. Always think of them later. Would a letter be of use right now to send reminding of orginal letter and the fact that apparently there are no requests on my account for statements. If so where do i send it to? Same place? Any ideas how i would draft it best.

SETTLED IN FULL 18/01/07:lol:

MCOL issued 7.12.06 claiming £1547.82

Acknowledged 21.12.06

28 days up 9th of January

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In the Templates Library - there are several DPA Non-compliance letters, one of which should suit you...

..

.

 

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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