Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • aries18pk
      Need help with huge amount of unsecured debt

      By aries18pk · Posted

      Hi, Thanks a lot for your valuable advice and apologies for bit delay in providing some additional information as requested before. I was also looking at other threads to get some more knowledge so apologies if my questions have already been answered in some other threads and I have missed them. I would appreciate if you can guide to relevant thread to help navigate easily. If I opt to go down the route of availing BS option, I'd find it more convenient if I do it in parts i.e., applying with 2/3 creditors at a time. Is that even possible in my case? I understand that DN might be the best option for me but I am trying to avoid this route as much as I can. I am currently living in a rented property with wife and 3 kids and I am not how this is going to play out in future if we decide to move to some other area. How will DN impact my intention of getting house on mortgage (dream as of today) after 6 years? If I go for DN strainght away, do I have to do it for all debts? for example, can i leave one active credit card out of this DN? what can i do if I go for DN right now but my financial situation improves in 1-2 years due to better job or promotion etc.?  Here are the details of my debts. Let me know please if you have any questions. Regards, MM Overdraft Halifax - £2,500 Starling - £500 (I can settle this immediately to keep this account active as back-up for salary and other priority expenses like rent, council tax etc.)   Personal Loans - Outstanding Amounts - No defaults or missed payments Plata - approx. £27,000 BetterBorrow - £3,450 Zopa - £14,000 Reevo - £2,800 Updraft - £2,230   Credit Card - Balances - No defaults or missed payments except those noted Virgin - £6,100 (This card is suspended.) Halifax - £5,474 (This card is suspended.) Barclays - £5,400 (I am currently on a fixed monthly payment plan of £232 for almost a year now and missed last month's payment.) Aqua - £3,100 Fluid - £2,100  
    • NewsBot
      London Stock Exchange becomes Europe's largest stock market again

      By NewsBot · Posted

      A French election is driving down the value of French listed companies, analysts sayView the full article
    • dx100uk
      80k debt

      By dx100uk · Posted

      They cannot send any claim forms, they are issued by Northants bulk.  Usual rubbish, and legally cannot be served by email unless you've specifically given Northants bulk permission to do.    Usual claptrap from TM.. See
    • dx100uk
      JCI/Moriarty Claimform - old OVO UTIL dual fuel debt

      By dx100uk · Posted

      OK but it's always best to scan up these letters you mention so We can decide proper actions/responce/use please scan them all to one mass pdf in date order.  Read upload use the online sites listed Dx
    • lookinforinfo
      SAR distress claim against Parking Eye

      By lookinforinfo · Posted

      Instead of ridiculing them you could point out the embarrassment they will have in the papers if they persist in being in Court with a little old lady. it also won't look good for their landowners since negative comments afffect them too.

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
Latest activity

Halifax current account charges/Blair Oliver & Scott

GhostDebt
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5313 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

GhostDebt

GhostDebt

Posted
Posted

I would like to start claiming bank charges back from the halifax.

The account was overdrawn and we were having some problems so incurred a lot of charges. The bank cancelled our overdraft facility on the day I got paid which really stuffed us up for that month.

How do we go about claiming the charges back?

(Blair Oliver & Scott now dealing/chasing) and I know we can't CCA them because its an overdraft.

Are we limited to charges in the last six years or can we go further back?

 

Any help/advice would be greatly appreciated

 

Many thanks

Regards

Link to post
Share on other sites
maroondevo52

maroondevo52

Posted
Posted

Hi, GhostDebt.

 

Sorry you've had to wait so long for a reply.

The six years is usually your best bet, I think some folk have gone further back, but I don't know too much info about these claims.

 

Do you need any help starting the process ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites
maroondevo52

maroondevo52

Posted
Posted

Hi,

 

Have a look at the step-by-step, everything you need is there, but if you have any questions, just ask.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

I'ts more than likely your claim will be 'stayed', but it's recommended to get your claim in now, and take it all the way to filing at court.

 

You never know the Bank may make you an offer, before it goes that far.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites
theladyknows

theladyknows

Posted
Posted

Just a word about Halifax. They are very quick to send you out the copy statement so you can plough through and claim your fees back (over £1800 in my case - they offered me £24 to settle in full!)

Just try and get a hardship form from them though. Have written 4 times (recorded) and phoned around 8 but still no form.

Link to post
Share on other sites
kopper

kopper

Posted
Posted (edited)

Hi,

there are thousands of us out here in the same boat.

HBOS and Blair Oliver Scott can get nasty. DONT BUCKLE!

BOS have been linked with HBOS so there are many on here and

the other Penalty Forums who know all about their little games

If you can spare the time there are many posts about these guys

spend some time getting to know their tactics and learn from how

we have handled their lies and tricks

 

There has been postings stating that the six years period is now going back from mid 2007 as this was when the OFT became involved in the case and the stays were applied in the courts

Edited by kopper
Link to post
Share on other sites
  • 8 months later...
GhostDebt

GhostDebt

Posted
  • Author
Posted

Quick update.

 

We sent a SAR to Halifax and they replied with lots of interesting info but no copies of bank statements or copies of correspondence relating to the account.

I sent them a follow up letter at the end of september asking for the info and still no response.

So, I have drafted the below and would like some comments on it before I send it if possible.

 

---

Dear Sir/Madam

 

Further to my letter dated * (copy enclosed) and confirmed as delivered on the * by the Royal Mail track and trace service, I am disappointed to have received no further response from yourselves regarding the information missing from my subject access request.

As you are no doubt aware, the statutory time period for compliance with a subject access request is 40 calendar days. Since my original request was dated * this time period has now expired and should you fail to provide the missing information and any other information which you are required to disclose and have failed to do so, within 7 days of receipt of this letter a formal complaint will be raised with the Information Commissioners Office without further notice.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully,

---

 

Also Blair Oliver rang today and they appear to want the full amount now instead of the agreed amount per month we have been paying so just wondered where we stand.

 

Comments greatly appreciated.

 

Many thanks

Link to post
Share on other sites
freethemice

freethemice

Posted
Posted

Just a quick word if you are thinking of using the information commissionaire to complain. I raised a dispute with them back in march after rbs twice sent me other peoples information. Got a letter back last week saying they had just processed my dispute and the case had been closed because not enough information had been provided. I had sent copies of letters requesting information to Rbs and copies of their response.

In my opinion the ico are a total waste of time and should be first on the goverments list of tax cuts.

If you are serious about getting your data you need to send a notice of intended court action letter and follow it up with court action if necassary.

Link to post
Share on other sites
GhostDebt

GhostDebt

Posted
  • Author
Posted

Hello freethemice,

 

Whilst I agree the ICO appear to be of no use at all and whilst a complaint will probably come to nothing (as with other complaints I have made) I just think it worthwhile to go through the motions to try and show we are following some sort of protocol before going further.

 

Any letter suggestions or templates for going the court route would be appreciated and do you know of anyone who has been successful going this way?

 

Regards

Link to post
Share on other sites
  • 3 weeks later...
GhostDebt

GhostDebt

Posted
  • Author
Posted

We have still not received any statements from the halifax :(

 

I do have a couple of questions though.

 

1. In the initial letter to them about reclaiming the charges can you include the contractual interest?

 

2. Can you then add the 8% statutory interest on top of the contractual interest if you issue a claim through the court?

 

I have some information, but not all of it.

 

I have filled in some of the complex-charges spreadsheet but would like to know if I post it up can anybody have a look at it for me as I'm not sure if its right.

 

Many thanks

Link to post
Share on other sites
steven4064

steven4064

Posted
Posted
I do have a couple of questions though.

 

1. In the initial letter to them about reclaiming the charges can you include the contractual interest?

 

2. Can you then add the 8% statutory interest on top of the contractual interest if you issue a claim through the court?

1. If by contractual interest, you mean the interest they charged you on the charges, then yes

 

2. With the same definition of contractual interest, Yes

 

 

Link to post
Share on other sites
GhostDebt

GhostDebt

Posted
  • Author
Posted

Thanks for clarifying that Steven.

Now just need all the information to calculate my charges.

Lets see what the ICO says/does if anything.

 

Will also give it a couple of days to see how the dust settles after the Supreme Court Ruling and the changes to the template letters/PoC go.

 

Regards

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...