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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

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      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.
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      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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Chris V Halifax ***SETTLED IN FULL***


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Hi I'm new to this!

 

Having read FAQs I have contacted Halifax and asked them to send me a list of charges over the last 6 years. I believe most of the charges occured whilst I was a student.

I'm sick of being charged for being only a few pence over my limit.

In a weird sort of way I would VERY much like to slog this out though the courts with HALIFAX (if I dont get a settlement).

Can anyone offer any advice?

When i find out the total cost of the charges I will post it on here.

 

WILLING TO UPDATE & FIGHT THIS ALL THE WAY

 

Chris

Chris586:-) :-) :-)

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Hi Chris and welcome ...read the step by step instructions and spend a couple of days reading some of the threads you will then see what you need to do next and when to do it

 

Good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Hi Chris,

Welcome to the site.......just 1 point......its 2006 m8, lol.

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Thanks I appreciate the advice. I will read and fingers crossed get a result. Are there anycases where someone has gone to court and won/lost?

 

I'm afraid they simply don't appear to be as up for the fight as we all are.... but you never know.

..

.

 

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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In the Particulars of claim, hard copy version, there is a section that is typically removed by most users;

 

b) a declaration from this honourable court that the term of the contract leading to the application of the charges is unenforceable;

This might take it all the way - you are effectively saying that your case is not settled until you have a declaration. However, in a small claims court, any judgment would not set a precedent.

..

.

 

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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Have at last received a letter from HALIFAX which reads as follows:

 

I refer to your enquiry about bank charges on your account.

We can provide the information requested but to do so there is a £5 statement charge. Statements will then be provided forthe last 6 years. Please provide the authority to debit your account or forward £5 cheque. no action will be taken until we receive this.

If you require any further information please contact us.

Yours sincerely

 

Customer Services

 

Have given the go ahead to send these details and am waiting another 3 working days.

 

Delaying tactics?

 

When previously requesting statements/other services, I have never been sent a letter asking to confirm this!!!

Chris586:-) :-) :-)

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If you sent the DPA letter to request this information (as advised in the step by step instructions) you should also have sent the required maximum fee with the letter (£10). The 40 days that the bank has to provide the information starts when they receive the request and the payment. Best get a payment out to them (or authorisation to debit your account) asap.

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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To The Wife an I,

 

I have just finished yet another phone call with the HALIFAX who have promised me that they have sent a statement through the post by lastest next friday.

They have aready debited my account £5 for the pleasure.

Hence, not sending dater protection letter.

If it does not arrive then I will send the letter.

Hope that this does not mess the process up!

 

 

Chris :rolleyes:

Chris586:-) :-) :-)

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You can always start off your prelim letter with the charges that you do know about. If you've had all the data by the time it gets to LBA, update the schedule of charges and the amount claimed and send them together - include any new charges added as well. You can update the amount at all stages until Moneyclaim when the figure becomes fixed.

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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This morning I was greated by the postman with a very red face!!!!

I have just received about 20 envelopes detailing statements.

Having read through them all I have now worked out what the banks owe me:

 

Charges: £677

Interest: £141.28

Total: £818.28

I'm already so excited about the next stage!!!

Thanks everyone who has helped so far!

Chris586:-) :-) :-)

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Letter Received!

7th August 2006

 

Dear Mr ********

 

Thank you for your letter, which was received at this office on 7th AUGUST 206.

 

I am sorry to hear that you are unhappy with charges applied to your account.

 

We're keen to deal with your concerns as quickly as possible. A Customer Relations Manager will investigate the points you have raised and you will receive a reply shortly, but certainly no later than 4 weeks.

 

You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint. (It doesn't!)

Your concerns will be dealt wih as quickly as possible, but to help us deal more efficiently with your enquiry, please quote ********* when writing or telephonig the number at the top of this letter.

 

Yours Sincerely

 

 

Customer Relations Officer

Customer Relations

 

 

 

 

Not wanting to wait 4 weeks for all this to be blown under the carpet.......I will prepare for the next stage!

Does anyone have any suggestions who has revieved a similar letter when fighting Halifax in the past????

 

All comments greatly appreciated!!!

 

Chris ;-)

Chris586:-) :-) :-)

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Just stick to your timetable as set out in your prelim letter!

 

How we will handle your 'complaint': -

 

Ignore you,

send a derisory offer of 10% of your claim,

do some more (eXtra?) ignoring,

maybe increase the offer a little bit,

send a standard letter that ignores your concerns completely,

pretend that the charges are lawful and reflect the true cost (but fail to reveal a breakdown),

remind you that you accepted the Ts&Cs - and anyway we had our fingers crossed behind our backs,

stretch it out as long as possible in the hope you'll panic over the impending court action,

file to defend with no intention of defending,

settle at the last moment and still blame it all on you... :x

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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i sent my lba today too! seems like such a long time tho

Halifax 13/7/06 sent data protection act letter

26/7/06 recieved statements

1/8/06 posted prelim letter, recieved acknowledgment 5/8/06

14/8/06 sent lba

18/8/06 offered £150 NOT A CHANCE

30/8/06 sent rejection letter to halifax

15/9/06 offered £450 no chance

15/9/06 filed court claim!!!

17/9/06 deemed served

21/9/06 letter settling **WON**

NatWest 1/8/06 rang for statements

2/9/06 got some statements

14/9/06 finally got rest of statements

30/11/06 prelim letter sent

14/12/06 lba sent

tesco 2/8/06 prelim sent ,

9/8/06 acknowledged ,

18/8/06 go away letter recieved

mint prelim sent 2/8/06, acknowledged 9/8/06

cap 1 prelim sent 2/8/06, acknowledged 18/08/006

7/9/06 offered £272 NOPE

10/10/06 filed claim

26/10/06 letter settling **WON**

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  • 2 weeks later...

Update - Court Proceedings just started:

 

Reply from halifax recieved dated 21st August 2006:

 

Dear %&*&

Thanks for your recent letter, I'm sorry to hear that you are unhappy with the charges you have incurred on your account......blah, blah, blah......

As a sign of goodwill we will refund £55of charges in a full and final statement of your complaint. I must stress that future valid chargeswill stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return slip of paper attached.....blah, blah, blah......You have requested information upon how we calculate our cost for dealing with these trasactions. Please note that we are not obliged under the Data Protection Act to supply this information, and as it is commercially sensitive, I regret to inform you that I am unable to comply with your request.........blah, blah, blah.....

 

Yours Sincerely

Halifax

 

Suppose it's what I was expecting.

 

I have not responded to the letter, is this adviseable?

 

Instead I have spent £80 in court fees and started proceedings which should be picked up by the courts after the bank holiday weekend.

Does anyone have any further advice on what to expect from Halifax one they hae been issued with info that someone is trying to take them through the courts.

All replies GREATLY appreciated!!!!

I hope that now Halifax will treat me a bit more seriously

 

 

Chris586

 

Chris586:-) :-) :-)

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Hi Chris,

 

I had an offer of £273 once i had already began my court claim, i simply wrote them a letter saying thank you for your offer, but as you might be aware there is a court claim in process and the amount i was claiming for.

They then left it till they had 3 working days left to enter a defence before writing again offering a settlement in full.

All the best with your claim.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi Chris

I've just finished my claim with Halifax. Started court proceedings but Halifax paid up before it went to court, they paid the original £3369 plus £410 interest and £120 court costs. I did the hard copy of the claim form and took it into the court where they were very helpful and checked it through for me and gave me some booklets that explained all that was happening, i would recommend this course for anyone who is not 100% sure of what they are doing.

Anyway good luck and i hope it doesn't take too long, it took me about 10 weeks in total.

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