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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Boo vs HSBC & Halifax


Boobaby
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Thanks

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Hi there

Joined this site yesterday - wow! Been completely blown away with the amount of information - free!! The number of helpful sites posted - free!! Contact details - free!! and no charges - free!! I love it!!!!

Actually joined with real name as user, changed that PDQ.. thus entering another post etc...

I have compiled all outstanding charges from HSBC thankfully I had all statements:) not :(.

A couple of questions if that's okay.

1. HSBC - I have done a spreadsheet of outstanding charges and they total - £2764.00 (can't believe that much incurred over three years!!) Do I now go straight to the initial request letter or should I still submit the DP letter first?

2. Halifax - I closed this account more than three years ago due to the excessive charges, time scales when cashing cheques etc. etc. Can I now go back to the Halifax and carry out the claiming process with them. what's the process regarding getting statements? DP letter etc? Can't believe I destroyed all their statements 6 months ago:mad: .

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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I would just send the initial letter. Generally the DPA letter is for people who don't have access to their statements.

I just went straight to the preliminary letter requesting the fees back.

 

And to answer your 2nd question. I received my claim money from HSBC just two days ago. The account was closed in 2003.

 

As long as the charges you are requesting are within the last six years, closed or not , its irrelevant.

You may need to send the DPA to Halifax to obtain the statements, personally id try the friendly approach of asking nicely at the counter first (worked twice for me). :)

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Thanks for that info.... But tell me just how nicely did you ask at the counter, I bet it wasn't my ex branch!!

I'm too scared to go into the Halifax I closed my account with them more than three years ago and have had absolutely no dealings with them what so ever!!! What if they've been chasing me for thousands and I don't know about it?? I'm so unbelievably paranoid about this bank I hate them with every fibre of my being.

They were so obnoxious to deal with, they never took into consideration my personal circumstances and yet they told me to speak with them when I was experiencing problems.....?? My other half had just walked out, two kids you know the story - the usual blah, blah, blah so I made an appointment to go and talk to one of the advisors - laid my very personal problems on her new beech desk, she looked at me from behind a very large diamond engagement ring and said to me "What do you expect the bank to do Mrs ****?" Whilst also giving me that patronising look that says - he walked out on you did he, that would never happen to me type look! "As your income has now halved I am unable to facilitate a further loan/overdraft but come and talk to me in six months time when the situation has improved (what? like she's going to take up marriage guidance??) and we will see what we can do then!" I walked out of that bank, opened another account elsewhere and closed that account there and then. I wonder if she still works there......?

Sorry about the novel bet you're sorry you looked now?

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...

Nothing really to tell you. 14 days have now lapsed since I sent DPA letter for two accounts - 26 days to go.... Nothing received to date. No letters, statements or acknowledgements - I can wait!!!:roll:

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Halifax Statements for second account received this morning (obviously the little one!!) Anyway, calculated charges and Initial Request Letter sent recorded along with schedule of charges. I was going to wait for First account statements and combine the two but no idea when they'll come through.

Surprise as well still got £8.63 in this account, thought I'd closed it so will be sorting that out!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...

Could a mod please move this thread to the halifax forum if possible - Thank you!!

 

Just a quick update.

Statements received for both accounts - 3 lots each!!!!!

Sent prelim letter for account2 on the 21st August - no response so LBA sent this morning.

Sent prelim letter for account1 on the 22nd August - no response so LBA ready to go tomorrow...

Does anyone get any response from Halifax initially or do they only respond at the more serious stages etc...?

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Lovely letter off the halifax this AM - sorry you're unhappy, blah, blah. Clearly outline T's & C's blah, blah. Your responsibility to handle your account blah, blah. As a good will gesture however refund of £100 offered in F & FS blah, blah, blah, blah..... also with regard to my request as to how costs are calculated they unable to supply this information as it is commercially sensitive!!!!!!!

Here's my response - blah, blah, blah, blah, blah, bog off, blah, blah I am unable to detail the rest as you must understand it is commercially sensitive!!!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Thanks BW

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 1 month later...

Hi all just a quick update and a question.

 

Claim submitted on the 18th of October.

 

Letter received this morning from the Court to say that

 

The Defendent (Halifax) has filed an acknowledgement of Service on the 20th of October.

The defendent responded to the claim indictating an intention to defend all of the claim and they now have 28 days from the date of service to file a defence.

 

I know I now just wait, but has anyone had this get to the filing of a defence and then a response by the Claiment stage etc.. If so what do I do next?

Boo x

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...
Hi all just a quick update and a question.

 

Claim submitted on the 18th of October.

 

Letter received this morning from the Court to say that

 

The Defendent (Halifax) has filed an acknowledgement of Service on the 20th of October.

The defendent responded to the claim indictating an intention to defend all of the claim and they now have 28 days from the date of service to file a defence.

 

I know I now just wait, but has anyone had this get to the filing of a defence and then a response by the Claiment stage etc.. If so what do I do next?

Boo x

Another update - I contacted the Court this morning and Halifax as yet have not submitted a defence, obviously stalling tactics on their part. I have read loads of other threads that say Halifax intend to defend and then money is credited into their account within the next 7 days!! I no longer bank with the Halifax but have an old account with them that hasn't been activated for at least 3 years. Is it worth me contacting them as it's now been 2 weeks since they said they were going to defend the claim or should I just bide my time??

Thanks

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

Another update - I contacted the Court this morning and Halifax as yet have not submitted a defence, obviously stalling tactics on their part. I have read loads of other threads that say Halifax intend to defend and then money is credited into their account within the next 7 days!! I no longer bank with the Halifax but have an old account with them that hasn't been activated for at least 3 years. Is it worth me contacting them as it's now been 2 weeks since they said they were going to defend the claim or should I just bide my time??

Thanks

Boo

 

YESSSSSSSSSSSSSSSSSSS!!!!!!!

I won, I won, I won............. Letter from Halifax stating that they will pay the full amount - I really thought they were going to take this all the way, cannot believe it, all that lovely lolly just before Christmas, donation will be forthcoming when money received - Thanks CAG couldn't have done it without you - Love you. Boo x

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

Well done Boo!!

I will be submitting my court claim for £5.5k (inc. interest) on Friday.

I hope the Halifax are as quick to settle as they were with you.

It's nice of them to boost so many xmas shopping funds, isn't it?

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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