Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 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

Gazza112 Vs Halifax Credit Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3436 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

Hi

 

I'm new to this forum, need a bit help.

I'm in a bit of dept with some credit cards one of them is Halifax due to ill health and on benefits.

It started in May when i could not pay my minimum payment to Halifax.

I owe Halifax at this Present time £1389.00 My limit on the card was £9600 in May. Now the kind hearted Halifax has reduced my limit now to £500, putting me into extra charges on the account. I've done some reading on this forum and have been writing to them explaining my situation. But as most of you on this site know you never receive and mail back from them.

I have writen to them asking them if they would accept a token payment but none of my credit card companies have got back to me as of yes.

This week i have sent of, requesting for a CCA so will see what happens next.

Am i doing the right thing at the moment in dealing with this credit card company.

 

Gazza112

Link to post
Share on other sites

  • Replies 497
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi

 

 

Forgot to add although i'm receiving benefits, i'm also a full time carer.

 

My Depts are as follows at this moment in time

 

Halifax Credit card £1417.81

Barclaycard £4962.76

Capital One £4437.40

Natwest £3969.15

MBNA £1075.84

Abbey £2272.08

 

 

At the moment i've received 3 Default notices on these accounts.

Also received one house call from DC working for Barclaycard which i wasn't to pleased with as its stressing my father out who's disabled and not his dept.

If i didn't read on hear beforehand about DC's i would of not known what to do. But i must let you all know it was great seeing the DC's face when i told him to leave it was brill.

 

Any help from this forum will be much appreciated on sorting these sharks out, i know i've got a long road in front of me to get all my depts sorted out.

 

 

Gazza112

Link to post
Share on other sites

  • 1 month later...

Hi CitizenB

 

I didn't need to blank anything out as it was so faded you couldn't see the writing. Also the writing on the forms was not mine, and i never signed this application form. Which makes me wonder if they have filled in another form.

 

Gaz

Link to post
Share on other sites

Hi CitizenB

 

I'm sure i filled out an application form, but this is definitely not my hand writing and it also was not signed. Its funny but a couple of weeks ago they sent me a letter stating Halifax needed my signiture to send these documents.

I'll get the letter put up.

Thanks for putting the link in other threads.

 

Gaz

Link to post
Share on other sites

Please tell me you didnt give them your signature ??. If you definitely didnt complete these forms, then IMHO they arent worth the paper they are written on.

 

 

No, i never replied to the letter as they did state at the time that this would be the last time they would correspond with me.

So to receive this CCA or so cord CCA yesterday was a surprise, or more like a shock:eek:

 

Gaz

Link to post
Share on other sites

  • 2 weeks later...

Hi CitizenB

 

You was right, they sent the same agreement with the terms and conditions back to me today. They also said in not to many words, if this is not good enough get intouch with FOB.

The copy they sent me looks worse then the first copy i posted up as you cant read half of what the agreement says. Also its still not been filled out by me or signed.

 

Gaz

Link to post
Share on other sites

CB probably pop down Trading Standards on Monday as i need to see them about Curry's as well, its called killing two birds with one stone :D.

I've even got Barclays confused :confused:, there looking into my complaint.

 

Gaz

Link to post
Share on other sites

Hi CitizenB

 

Thanks for your info, i've been trying to get down to my local Trading Standards but my dad's been poorly and i couldn't leave him.

I did manage to get to the Trading Standards today, but on arriving they where closed today, just my luck.

Will try and get there on Friday if i can.

 

So all the letter Halifax sent me today, was just a wined up.

 

Gaz

Link to post
Share on other sites

Hi CitizenB

 

Thanks for the info, very interesting reading.

When i went to see Trading Standards, the person on the counter gave me a phone number to ring. I rang this number today and was put through to consumer affairs, well you know what coming the person i was talking to had no experiance in comsumer law. When i started to mention Credit card agreements, he started to say can you hang on a bit came back to me and said you need to contact the FOB for advice.

 

Gaz

Link to post
Share on other sites

  • 1 month later...

Hi All

 

Sorry not been round much on this forum, had problems with my server.

Hope everyone had a fab Xmas and new year.

 

Just to update you on whats happening with Halifax.

Had a few responses from my letters i sent them, in fact i had one today saying they complied with my CCA request and they do not have to sent the original copy of my aggreement.

 

Here's the letters that i recveived since i was last on this forum.

 

Halifax91200910001.jpg

 

Halifax91200910002.jpg

 

 

The following letter was the one i received today.

So need advice what's the next move i should take with Halifax.

 

Halifax9120080001.jpg

 

Halifax9120080002.jpg

 

 

Gaz

Link to post
Share on other sites

Hi CitizenB

 

This is the letter that i was going to send Halifax

 

Date 13.1.2009

 

 

 

Halifax Credit Card

 

 

 

Dear Sir/Madam

 

Re: Account/Reference Number

 

Postage Reference:

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.

 

Obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

I look forward to your reply and would ask for a response by 27/01/09

Regards

 

 

 

 

 

 

 

Gaz

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...