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    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
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    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
    • and more immediate issues WT* is the UK doing. Ukraine needs these funds and weapons NOW Lets sincerely hope this isnt another Tory VIPal skimming issue.   MoD accused of ‘go-slow’ with half of £900m Ukraine fund unused | Defence policy | The Guardian WWW.THEGUARDIAN.COM Delays mean just £404m of the money donated by nine countries has been committed or spent  
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Halifax & Hardship Help.


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I spoke to the Halifax the other week regarding the unfair charges on my account and explained that I am suffering extreme hardship.

This morning I recieved a letter stating that QUOTE "It would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible.However until the determination of the legal issues in the above proceedings, we have asked the Financial Services Authority(FSA) to suspend the normal timetable for dealing with unarranged overdraft bank charges complaints, and the FSA has agreed to this request subject to conditions to protect your rights" UNQUOTE.

 

 

It also goes onto say they are sorry they are unable to respond in full to my complaint now,and also given the court case we have asked the FOS not to proceed with unarranged overdraft bank charges cases.

And as a footnote the letter tells me if I am to manage my account in a similar manner future charges will be applied to your account.

 

 

 

What the hell do I do now, I have hardly any money and I could lose my house within a very short space of time.

 

Can anybody tell/ help me on what to do next.

 

 

Regards

 

HBTS.

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This is the standard letter they are sending out. Please carry on with your claim.

 

Regarding your home, you should start a thread in the mortgage thread as the help you will get in there could be extremely useful to you.

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Hi HBTS

 

Dont panic! There are lots of us in the same boat & you have found your way to the right place which is a good start.

 

I'm new here so maybe have missed the point a little.Were you expecting a big "lumper" back on bank charges in the very near future?

 

How does this affect your mortgage, what is the position there & who is that with?

 

It just seems like they have said everything is on hold at present?

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Hi HBTS

 

Dont panic! There are lots of us in the same boat & you have found your way to the right place which is a good start.

 

I'm new here so maybe have missed the point a little.Were you expecting a big "lumper" back on bank charges in the very near future?

 

How does this affect your mortgage, what is the position there & who is that with?

 

It just seems like they have said everything is on hold at present?

 

 

My mortgage is with GE Money, and I owe a few months, with regards my Bank Charges I spoke to the Halifax and explained that I am suffering extreme hardship and was informed by another person on this board that hardship cases are normally dealt with ASAP.

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Hiya HBTS

 

I have had my hardship claim agreed with Abbey last Friday they are paying 65% of my total claim £4.3k. It has taken just under 4 weeks to achieve this. My case against them started early last year and unfortunately due to high volumes of bank charge claims mine got held up in court and was then stayed. I have been fighting the hardship for some months now and I have now been fortunate enough to have had a payout. This payout will not prejudice the balance of my claim and Abbey have made no conditions.

 

What you need to do is:-

 

1. If you have not done so already a pre-lim letter and also include all your hardship details, with a brief description of why you are in this position.

 

2. Prepare an income and expenses schedule.

 

3. Prepare a spreadie of all your charges and compensatory interest at 8%.

 

4. Also enclose all evidence to substantiate your claim.

 

Good Luck

 

Tuttsi xx

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HI there, I agree with Tuttsi. I sent a prelim to halifax and they sent the 'on hold' letter but with a income/outcome statement for me to fill in to prove that I am in financial difficulty. I did this and they have offered me about 95%of my claim without having to send the LBA or start cout action! They have suggested that I putthe money onto my overdraft which was my intent so am not gonna argue that.

 

One point that does annoy me with banks (among, but more so than others) is that they are allowed a stay yet do not put a hold on charges!! So its one rule for them and another for us! Even more unfair as they not only have the upper hand but also they are the multibillion corporations that in fairness could survive without the money. Unlike us.

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I sent a letter to halifax with details of my bank charges and requesting a full refund. I also stated that since i am in financial hardship, they must consider my case now.

 

They replied saying "our initial assessment of your case has not revealed any clear signs of finanical difficulties" and that they have therefore decided to place my complaint on hold.

 

Surely anyone who is suffering from bank charges is in financial difficulty, otherwise they would not incur the charges in the first place.

 

They have enclosed forms to prove my situation to them...which I find patronising. What criteria must i meet to qualify for financial hardship? surely receiving bank charges is sufficient!! Should I return the forms completed? or just write my own letter? or should i ignore the letter and write to the courts?

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I sent a letter to halifax with details of my bank charges and requesting a full refund. I also stated that since i am in financial hardship, they must consider my case now. Why!

 

They replied saying "our initial assessment of your case has not revealed any clear signs of finanical difficulties" and that they have therefore decided to place my complaint on hold. Correct

 

Surely anyone who is suffering from bank charges is in financial difficulty, otherwise they would not incur the charges in the first place.Not necessarily

 

They have enclosed forms to prove my situation to them...which I find patronising. What criteria must i meet to qualify for financial hardship? surely receiving bank charges is sufficient!! Should I return the forms completed? or just write my own letter? or should i ignore the letter and write to the courts?

 

You should complete the forms and also supply and send together with all evidences to support your claim with a polite letter explaining why you consider that you have a financial hardship claim.

To be honest I cannot understand why you feel that you do not have to prove your situation. If you were going for a loan or a mortgage you would have to supply evidences. The more information you supply in support of your claim the better the chance you have of receiving a sypathetic response. Do not forget the OFT test case is not over yet and our only hope of getting anything from the banks is to appeal to their better nature and under the FSA waiver rules.

Tuttsi

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Hi, they sent exactly the same to me and I filled in the form which proved that i did not have enough coming in to cover what was going out and they sent me a letter giving me a little under what I asked for. This does not mean that they will do the same with you but its promising.

 

K

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  • 2 weeks later...

Hi,

 

Well I rang the Halifax today as advised and they have informed me that due to the recent takeover there is a wait of about another week until the claim could be settled.

In the meantime a letter is coming from the HALIFAX outling on how the takeover is affecting claims for people who have submitted hardship cases, when I pressed the agent "will the letter contain a settlement figure" the reply was"cannot say at the moment but everything is outlined in the letter".

So fingers crossed again.

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Hopefully it will be. :D

 

But you know us curious lot...let us know when you get it. :p

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Hi,

 

As you are all aware I have been suffering severe financial hardship, and today I rang the Halifax to see what was going on.

After a quite lengthy phonecall they offered me £4100 and a letter of acceptence was coming out in the post.

However when I calculated my charges the actual figure was closer to £6000, right not bad I hear you say but because my case is of extreme hardship do I have a right to claim the full amount or will they withdraw the £4100 offer and that will be that.

Any Ideas, Help.

 

Cheers

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Yes you can accept it as part payment, but carry on your claim for the rest.

 

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

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Hi Hide :)

 

If you have to issue a court claim, there is a spreadsheet here :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

This will also calculate interest at 8% as allowed by s.69 the County Courts Act (1984) and which you will add to your claim at that point. NOTE: you do not claim the 8% unless you put in a court claim.

do I have a right to claim the full amount or will they withdraw the £4100 offer and that will be that.

 

This will depend on what their acceptance letter says. If it says 'Full and final settlement' and you decline it, your claim may well go back on hold. At least thats what happened to me (Barclays paid up in full, after I filed at court, before the stays were in place) You may find they say they will conceder the rest of the claim after the OFT test case.

 

At the end of the day, it's your call.

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hide, under the FSA waiver rules, this will be an interim payment and the rest of your claim will be met after the test case should the OFT win. You have absolutely nothing to loose by accepting this sum at this stage and I am sure that the money will come in handy to help with your financial hardship. I calculate it is almost 70% and this should help you in your current situation. They dare not make it in full and final as they would be breaking the terms of the waiver.

 

Just to update you, Mr Justice Smith is handing down his judgment on the historical terms of each bank tomorrow afternoon. The banks if they loose will of course appeal..........

 

Tuttsi xx

Edited by TUTTSI
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Hi everyone,

 

Well this morning I recieved the letter from the Halifax, opened it and they have offered me 100% of my claim.

I have now signed it , popped a copy into my local branch and then popped the other in the post,a big big thank you to all those who have helped me get my cash back and now I can finally see light at the end of the tunnel.................:).:).:).:).:).:).:)

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Well done!!!!! :D

 

a.gif

 

Let us know as soon as the cash hits. ;)

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Thank you ;)

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Very well done Hide, A result indeed. :D

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I also think the Halifax have settled my hardship claim, I filled in my hardship financial statement 4 weeks ago and I spoke to them yeserday, and they said to me they were making a decision today, I looked at my bank account online and the balance has been wiped out to 0, and it also states the account is closed, so I am hoping I have a letter in the post with a cheque, but to me I was suffering extreme financial hardship, as I had my house repossed last year, and we are struggling to get by, but if they have settled, the halifax have been pretty good and understandable.

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Fingers crossed. :) Hopefully you will hear soon!

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

STEP BY STEP GUIDE...Read here

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

 

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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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Thank you my fingers are crossed too, but do they close the account down.

 

I too will be making a donation, as without this site, I would never of been enlightened at all, it was due to this site, that I deceided to fight back, even though I was very delicate, frightened, scared, and lost my home and my fight, but I deceided to fight for my rights, and not let the bullys win, and thats a first for me, and down to the banks and creditors, I lost everything I worked hard for and nearly my sanity, but to cag the fight will go on, I small fish can not bring us down, and Im with you guys all the way.

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