Jump to content


  • Tweets

  • Posts

    • Good afternoon,    I am writing in reference to the retail dispute number ****, between myself and Newton Autos concerning the sale of a Toyota Avensis which has been found to have serious mechanical faults.    As explained previously the car was found to be faulty just six days after purchase. The car had numerous fault codes that appeared on the dash board and went into limp mode. This required assistance from the AA and this evidence has already been provided. The car continues to exhibit these faults and has been diagnosed as having faults with the fuel injectors which will require major mechanical investigation and repairs.    Newton Autos did not make me aware of any faults upon purchase of the vehicle and sold it as being in good condition.    Newton Autos have also refused to honour their responsibilities under The Consumer Rights Act 2015 which requires them to refund the customer if the goods are found to be faulty and not fit for purpose within 30 days of purchase.    Newton Autos also refused to accept my rejection of the vehicle and refused to refund the car and accept the return of the vehicle.    It is clear to me that the car is not fit for purpose as these mechanical faults occurred so soon after purchase and have been shown to be present by both the AA and an independent mechanic.   Kind regards
    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
  • Recommended Topics

  • 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 
      • 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
  • Recommended Topics

halifax bleeding me dry!!!! HELP !!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5438 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 all ,was wondering if i can claim under hardship grounds as im on benefits and last few weeks have seen most of my benefits (income support,child benefit and child tax credits) being taken in charges sometimes leaving me with £20 to live on and have tried phoning them but they just said basically tough .its mainly because they take a charge and it leaves me overdrawn so they then charge me again so cant get out of the situation. i am so down about it as i feel im letting my 2 kids down so can i claim under hardship .they owe me hundreds now and feel i should get that back sooner rather than later as i cant live on £20 wk.sorry ive gone on a bit just so mad so any advice would be really great x

Link to post
Share on other sites

hi all ,was wondering if i can claim under hardship grounds as im on benefits and last few weeks have seen most of my benefits (income support,child benefit and child tax credits) being taken in charges sometimes leaving me with £20 to live on and have tried phoning them but they just said basically tough .its mainly because they take a charge and it leaves me overdrawn so they then charge me again so cant get out of the situation. i am so down about it as i feel im letting my 2 kids down so can i claim under hardship .they owe me hundreds now and feel i should get that back sooner rather than later as i cant live on £20 wk.sorry ive gone on a bit just so mad so any advice would be really great x

 

Hmmm, let's take this back a notch. Have you done a SAR yet? You haven't let your kids down because you have sort help here. They should be proud of you for that.

Have HBoS sent out an income and expenditure form to you?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Hi Lucy

 

The best way to find out if you come under the FSA waiver rules for hardship is to :-

1 Complete and Income and Expenses summary

2.Have you done a complete list of all your charges on a spreadsheet!

3.You will need to gather all your evidences as proof of your hardship - this can be arrears on Mortgage/Rent, proof of all your benefits, Utillities arrears any court documents!

4. Then you need to do a letter enclosing 1 to 3 above explaining to Halifax bank why you should be considered.

 

Have a look in the library for the Income and Expenses sheet and also the spreadsheet for your charges summary.

 

If you need any further help just shout.

 

Please let us know how you get on.

 

Tuttsi xx

Link to post
Share on other sites

in post 1 of this thread there is a letter you can use to try and stop them taking benefits. But I suggest this as a temporary measure the main thing is to open an account such as the Post office account so they can not get access to your monies and then start the claim under hardship using the new waiver guidelines

 

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/36790-bank-taking-your-benefits.html?highlight=are+the+banks+taking+your+benefits

  • Haha 1

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

Link to post
Share on other sites

  • 5 weeks later...

hi all ,sent a letter of RIGHT OF APPROPRIATION to halifax as i was due to have £70 of charges come out and it would have almost swallowed up my benefits so thought i would try.yes they did leave my money alone but next day they added them to my account and now have gone overdrawn and any money i have going in from benefits will be swallowed up completely and i have d/ds to come out next week as well .is there anything i can do other than close my account .any help would be very helpful thank you x

Link to post
Share on other sites

Two threads merged, only thing I can think of is to reclaim the charges.

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

Go and open a basic account at another bank or Post Office (not Lloyds or Bank of Scotland as they are part of Halifax). Get your benefits paid in there then Halifax can't touch them and you will have money to live on. Your Halifax account will continue to accrue charges, but you can try to reclaim the charges under hardship/ come to a repayment arrangement with them that you can afford.

The important thing is to get your money somewhere Halifax can't get it, then you can sort the rest out from there.

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

Link to post
Share on other sites

Exactly as I said.

 

If you have control of your money in the Post office or similar account ( or credit union) then you will have a choice about your priorities - which will not be the charges .

 

Then start action to reclaim the charges through the halifax then the FOS as a hardship case.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

Link to post
Share on other sites

Are there letters on CAG that would ask them to freeze the account or put it in dispute when they start chasing the debt?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

Link to post
Share on other sites

is there anything i can do other than close my account .any help would be very helpful thank you x

 

I have to agree with suzieblooz and janus, If you do not open a new account, they will continue to add charges.

 

You will find a letter in the library, regarding janus's question.......

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

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

thank you all for getting back to me yes will open another account with p/o have cancelled all my d/d as will be charged for everyone of them , im sure i saw a thread on here about asking for the charges back as it was all benefit money and they are not allowed to do it but i cant find it anywhere , but anyway shall continue to claim under hardship and see what happens ,thanks again to everyone x

Link to post
Share on other sites

im sure i saw a thread on here about asking for the charges back as it was all benefit money and they are not allowed to do it

 

Yes, they seem to ignore certain rules :rolleyes:

 

Continue with your claim, keep us posted.

 

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

ok ive just checked my online bank account and another £35.00 has been added to the existing £70.00 they took out a few days ago ,thats 3 bloomin charges in a matter of days ,now im gonna have to beg ,borrow and steal nxt wk just to eat .im so bloomin mad now good mind to phone em up and tell em i want my money back NOW!!! lol. i wont thou coz they wouldnt give a damm and make me look like a pratt.well folks i know what i will be doing this wkend so expect a few posts as i go on my journey lol.

Link to post
Share on other sites

keep us updated, will watch with interest. Once your money is going elsewhere it will make such a difference. They were taking £500 a month off me in charges at one point, that was nearly all my wages. Once I opened a new account I was amazed at how easy it was to manage my money.

Be prepared - Halifax will get nasty over the outstanding amount on your account. Don't speak to them on the phone, put everything in writing. Do an income and expenditure sheet so they can see you are offering a realistic amount to them, and definitely use the hardship route. They will add interest and charges for months, but will eventually get the message and stop. At least this puts you in control of your money, not them.

Edited by suzieblooz
spelling

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

Link to post
Share on other sites

Yes, they seem to ignore certain rules :rolleyes:

 

Continue with your claim, keep us posted.

 

Regards.

 

Scott.

Slap yourself mate, even you have read Steven4064 and that there are no such rules on direct payments into an account. come on, you can think when you are here ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

  • 1 month later...
thank you all for getting back to me yes will open another account with p/o have cancelled all my d/d as will be charged for everyone of them , im sure i saw a thread on here about asking for the charges back as it was all benefit money and they are not allowed to do it but i cant find it anywhere , but anyway shall continue to claim under hardship and see what happens ,thanks again to everyone x

 

Have they given you any money back lucy? All they said to me was to contact money management team but i could manage fine if they didnt keep taking my money.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...