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


  • Tweets

  • Posts

    • jk2054
      Striking out on SCT

      By jk2054 · Posted

      we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
    • aesmith
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By aesmith · Posted

      Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • tobyjugg2
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By tobyjugg2 · Posted

      Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • FTMDave
      Parking Fee Paid But Input Incorrect VRN - Discussion thread

      By FTMDave · Posted

      Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • AndyOrch
      MCOL help not being paid for job

      By AndyOrch · Posted

      You mean your witness statement 

  • Recommended Topics

  • 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.
      • 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
      • 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

  • Recommended Topics

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.

holteender_rob v Halifax

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

Thread Locked

because no one has posted on it for the last 1878 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

holteender_rob

holteender_rob

Posted
Posted

Posted a leter on the 1st of Feb requesting a schedule of all charges levied against my account within the last 6 years and received a reply yesterday. It basically asked me to refer to my monthly statements for the information I had requested, and if I require any further statements there is a fee of £5.00 for the pleasure!

 

I have read that they can only charge you a max of £10.00 for the info so I'm presuming that the £5.00 fee is for any amount of statements I would require rather thatn per statement!!!

 

I'm firing back a letter today requesting my statements in exchange for the £5.00 fee. I'll keep you posted, let me know about the response you get!

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Mention that it is a request under the DPA.

Don't forget that they 40 days to comply.

 

There is a template in the library

Link to post
Share on other sites
holteender_rob

holteender_rob

Posted
  • Author
Posted

I did mention the DPA in my initial letter (see below), does this mean they're response is not lawful and they should have provided the info?

 

 

 

"Dear Sir/Madam,

 

 

We are requesting a schedule of the charges and fees that have been levied from our accounts, for the last 6 years (this includes any periods prior to any accounts becoming joint accounts too). We are entitled to this information under the Data Protection Act 1998. The schedule needs to include the date, reason, ie unpaid DD unpaid standing order, unauthorized overdraft etc, and amount of each charge.

 

 

Notice: I asked for a schedule of charges and not copies of statements"

Link to post
Share on other sites
holteender_rob

holteender_rob

Posted
  • Author
Posted

I've just had a response from halifax asking me to refer to my own statements for a schedule of the charges levied over the last 6 years.

 

I've seen on other threads mentioned that they have been cagey about the amount of info they had on the history of accounts ie one/six months history, how do you extract this information or do you have to have your own records anyway?? And did anyone manage to get upto 6 years worth???

 

They also mentioned £5 fee for statement copies!

 

holteender_rob

Basic Account Customer

Link to post
Share on other sites
Guest

Guest

Posted
Posted

People have managed to get 6 years of statements, sometimes in the most bizarre ways (such as in 25 envelopes).

 

They can't refer you to your own records if you make a data protection act request. This is a request to their information controller for THEIR records, not for yours, and they cannot legitimately refuse it.

Link to post
Share on other sites
holteender_rob

holteender_rob

Posted
  • Author
Posted

Just phoned Halifax to chase a response on my charges history and quoting "under the data protection act....." and they've assured me a response on my request within 7days and that the matter is in hand!!

 

Hooray one small step!!!!

 

Although they haven't mentioned the £5 fee, I think this is because my wife had mentioned to them on the phone the other week that she wanted the history of charges on the account, they must have assumed she needed copies of statements, and from the letter I received this is what the £5 fee is for. I had actually written to them seperately requesting a schedule of charges and fees levied on the account and specifically stated that I was not requesting copies of statements. This may be a way to avoid the fee.The only bummer is - how do you check what your owed, and I don't fancy taking their word for it!!!!

 

I'll let you know if they proceed to charge me for this service.

 

 

Keep you posted

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Lots of people get 6 years worth.

 

Call them and try to find out who their Data Protection Officer is. They have to have one. The complain to him and threaten that if you don't get a positive acknowldgement in 7 days that you will treat it as a refusal and make a complaint to the Information Commissioner without any further notice.

 

When you get the contact details for their DPO, pease let us know what they are.

Link to post
Share on other sites
missy

missy

Posted
Posted

I had a similar experience with the Halifax. I asked for a list of charges going back 6 years and was given the usual guff about not having that much information going back that far. I then insisted and was then told I had to pay £5 per statement. When I then sent a letter saying I did not want a copy of my statements but a schedule of charges and that I was entitlesd to this info under the Data Protection Act and that I could not be charged more than £10 for this info the reaction was astounding to say the least. I recieved a phone call from customer services the same day they recieved my letter asking why I wanted the info. I replied that I was taking them to court for all the unlawfull charges that they have taken from me. I recieved the list within the fortnight. What really ****ed me off was all the mucking about in the first place. If their position is so strong then why do they have to duck and dive so much?

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted
What really pissed me off was all the mucking about in the first place. If their position is so strong then why do they have to duck and dive so much?

 

A good question. I can't possibly imagine what the answer might be. :twisted:

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Oh! is that the answer. I'd never have guessed. :lol::lol: :twisted:

Link to post
Share on other sites
  • 2 weeks later...
ranger1

ranger1

Posted
Posted

I was charged £5 for 14 months Statememts from Halifax. My Wife is now on to the Halifax for her Statements. The girl in the Belfast Call Centre told her she would have to pay £5 per page. On over hearing this I took the phone and requested to speak to a Manager. After 6Mins. on comes Mr. Smart Axxx and assures me that the young Lady was correct. I could get no sense out of him at all,as he implied head office,{I ordered my statements from them) had made a mistake. OK. Iput the phone down. After 2 mins. with my Irish blood at Boiling Point I called 08457203040 again and was answered by a real Gentleman. After explaining my plight and what was said by the Manager he confirmed that I was right and not the Manager. My wife will now receive 3 years Statements for £5. I thanked the chap most sincerely and told him he should be Promoted to Manager, and that I would be seeking an apology from Mr.Smart Axxx Hope this clears some confusion.

Link to post
Share on other sites
ranger1

ranger1

Posted
Posted

I was charged £5 for 14 months Statememts from Halifax. My Wife is now on to the Halifax for her Statements. The girl in the Belfast Call Centre told her she would have to pay £5 per page. On over hearing this I took the phone and requested to speak to a Manager. After 6Mins. on comes Mr. Smart Axxx and assures me that the young Lady was correct. I could get no sense out of him at all,as he implied head office,{I ordered my statements from them) had made a mistake. OK. Iput the phone down. After 2 mins. with my Irish blood at Boiling Point I called 08457203040 again and was answered by a real Gentleman. After explaining my plight and what was said by the Manager he confirmed that I was right and not the Manager. My wife will now receive 3 years Statements for £5. I thanked the chap most sincerely and told him he should be Promoted to Manager, and that I would be seeking an apology from Mr.Smart Axxx Hope this clears some confusion.

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Excellent story

Link to post
Share on other sites
BankFodder

BankFodder

Posted
Posted

Excellent story

Link to post
Share on other sites
  • 2 weeks later...
holteender_rob

holteender_rob

Posted
  • Author
Posted

Ive just received my Halifax charges from the last six years. I should be leaping with joy at the prospect of claiming some funds back :lol: , however I can't make sense of the bloody sheets :Cry: !

 

Basically I've recevied scrappy and confusing dot matrix print outs showing activity on my account of the past six years, however charges aren't clearly noted and it's virtually impossible to even identify them at all!! This Info was supplied free by Halifax but I'm now considering requesting my history of statements for a £10 charge.

 

Has anyone else received similar info back from the Halifax in this style? Any advice??? :?::?::?:

:?

Link to post
Share on other sites
torsen

torsen

Posted
Posted

requested mine today from a halifax business centre for no charge. seems daft to pay them for info about money they've already nabbed. will add to thread once received. holteender_rob - how long did they take to get the info to you from your initial request?

 

cheers

"Build a man a fire, and he'll be warm for a day. Set a man on fire, and he'll be warm for the rest of his life." Terry Pratchett

Link to post
Share on other sites
podgydad

podgydad

Posted
Posted
Ive just received my Halifax charges from the last six years. I should be leaping with joy at the prospect of claiming some funds back :lol: , however I can't make sense of the bloody sheets :Cry: !

 

Basically I've recevied scrappy and confusing dot matrix print outs showing activity on my account of the past six years, however charges aren't clearly noted and it's virtually impossible to even identify them at all!! This Info was supplied free by Halifax but I'm now considering requesting my history of statements for a £10 charge.

 

Has anyone else received similar info back from the Halifax in this style? Any advice??? :?::?::?:

:?

 

Yes, its very confusing with charges being duplicated on different sheets.

 

For every month there is a sheet that lists the charges, of course on the following month these charges are shown as going out of your account. Use the spreadsheet available in the library section and sort everything by date order, this way you can see where the duplicates are and delete them.

 

Only took me about an hour to go through it all.

 

 

Merged threads, please keep to the same one.

Link to post
Share on other sites
  • 12 years later...
holteender_rob

holteender_rob

Posted
  • Author
Posted

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1878 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

Guest
This topic is now closed to further replies.
 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...