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    • I bought my house 2 years ago. The previous owner had died. I continue to recieve parking fines and communication from DVLA in the name of the dead person, despite contacting DVLA via post to inform them I am the new owner of the property. I have sent them proof of purchase and ownership but the communications continue to arrive. Aside from using "return to sender", does anyone have any idea how to stop this and get DVLA to update their records? Not sure if relevant but the Tax class on the vehicle is disabled meaning that the price of vehicle tax is £0 per year. I assume someone is using this to get free vehicle tax which is up to them, but I'm bored of fighting with parking charge companies and getting threatening letters, as whoever is doing this is also not very good at paying for parking.
    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  I refuse to be held accountable in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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

      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
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Follow Garry R D Kettle Game... Where have you spotted him?


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Hiya

 

You will never guess who signed my Unpaid Direct Debit Letter?

 

guesses anyone?

anyone?

no,

sure?

 

ok I will tell you

 

Garry R D Kettle :eek:

 

Im in Durham

 

Good Luck Everyone

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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ooo i just had to reply to this,

 

ive spotted him in salisbury wiltshire!!!!

 

on the 1st june 2006 apparently!!

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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He's also been signing my unpaid direct dedit letters for about 3 years now, the Dereham branch in Norfolk!

Halifax Bank Account - Prelim letter sent 15/5 :roll:

LBA sent 30/05 :o

No reply so Money Claim form submitted on 16/6 :confused:

Halifax intend to defend 24/6 :mad:

Charges refunded 29/6 :D

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On the subject of is he real, I would suspect not. Without revealing too much, I used to work for a company that, by the nature of it's business, received literally millions of complaints a year.

 

This guy was made up specifically to deal with complaints, for the simple reason that if anyone decided to sue him, the company could ask "sue who...we don't employ anybody by that name..."

 

Whether this was legal or not I didn't ask, but I often questioned the morality of the deception for the fact that it WAS a deception...

 

Please do not ask further questions, as I am not at liberty to discuss the name or the company.

yes, I worked for a short while for a well known mobile phone operator. We used to send out letters signed by someone who didn't exist. The name was code for the fraud department.

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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Northampton too.

 

I thought he moved with me, as he was also in Bury!!

Pre-lim letter sent 7th June

Total charges £1404.00

Offered £384 over telephone

Letter received 15th to accept?

Declined and LBA sent 15th

£384 credited to my account 15th

MCOL 6th July

Served to Halifax 10th July

Intend to defend in full, 11th July

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Garry Kettle works in Marlow and Reading, boy does he like to job hop.

 

When i last received a bouced cheque letter, i sent in my cv asking for the position of cheque bouncer, self employed and i would seek 50% cut per "refer to drawer stamp". I estimated my earnings OTE of course to be in the region of £107, 640,000 a year which isnt bad and far better pay than most jobs.

 

Did i get a reply. nope.

 

So back to Garry, i havent seen him in the ads either, being such an important employee, i thought he would have been heavily featured.

 

"Garry gives you extra" who, do be do.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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So back to Garry, i havent seen him in the ads either, being such an important employee, i thought he would have been heavily featured.

 

"Garry gives you extra" who, do be do.

"GIVES YOU" ????? :eek::eek::eek:

More like "HELPS HIMSELF TO" :mad::mad::mad:

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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We Could Have Garry Kettle Monopoly Board - Bank Error In Your Favour Collect £15,000.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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We Could Have Garry Kettle Monopoly Board - Bank Error In Your Favour Collect £15,000.

Go straight to jail - do not help yourself to £200 from anyone else's account! :D

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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now here is a mega question.

 

I am the king of bank charge refunds. problems is over the years they have credited cash to repay charges.

 

as you can imagine it will be hard to work out charge refunds as it is down as cash credit, so shall i just reclaim every charge anyway?

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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  • 2 weeks later...
We Could Have Garry Kettle Monopoly Board - Bank Error In Your Favour Collect £15,000.

 

Has anyone actually thought of writing to Mr Garry R D Kettle once they get their money back? I reckon it'll be like this:

 

Dear Mr R D Kettle

 

We have not been able to pay your ridiculous exorbitant charges because there are insufficient reasons for doing so.

 

We appreciate that you do not like to give refunds to poorly overcharged customers.

 

If you would like further information, then please go directly to court where one of our representatives may not be able to help you.

 

Kind Regards

 

:-)

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Cheeky! :rolleyes:

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 live in St Helens in Merseyside and he has signed letters for me from Here and Wigan and even when I lived in Leeds I think he's stalking me:o

It can't be him i just got another of his letters from Glasgow, Bos.

Is he maybe auditioning for the new DR WHO.

Mairi

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Garry R D (Ronald Daniel) Kettle is real; he's relatively high up in Halifax PLC, and was a fellow of the Institute of Chartered Bankers as of 2002, information which appears to be missing. He is apparently based in Trinity House, but they're pretty good at fielding attempts to contact him.

Bank of Scotland - £4000+ returned. Scottish resident, scottish accounts, but it's Halifax Bank of Scotland now, so took 'em to court in Halifax. One small claims, one defence filed, one refund of all charges + interest! Done and dusted.

Next - Capital One :D

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He works in the Carluke branch of BOS in Scotland, I know this because I have had hundreds of lovely charge letters from him over the years, he also works in the Rutherglen branch in Glasgow.

 

WE HATE GARRY R D KETTLE:mad: :mad: :mad: :mad: :mad: :lol:

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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bugger i've just addressed my first letter to mr Kettle.

Halifax PLC - Data protection request sent 6/7/06 Only "goodwill" £30 refund so far. working out my husbands charges now

Student loans company - request of refund of overpayment £59 sent 6/7/06. They still havent stopped my repayments even though loan is paid off.

Inland revenue - tax code increased to refund unnessecary tax paid on professional expenses.

Inland revenue - in the process of working out all tax due back from travel allowances

NHS Pensions - refund of 3 months worth of pension applied for.

not much £ but its the principle:grin:

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