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


  • Tweets

  • Posts

  • 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
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.

GARY68 V HALIFAX PPI-advice please **WON**

GARY68
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5387 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

djgordyp

djgordyp

Posted
Posted
Ha !! OK Gary,

 

 

HBOS PLC

TRINITY ROAD

HALIFAX

HX1 2RG

 

Is this the correct address to send an sar for my loan ppi?

HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

Link to post
Share on other sites
  • Replies 109
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Mr lex

Mr lex

Posted
Posted

Hi djgordyp,

 

I would use this one for a SAR :-

 

DSAR Team

10 Carlton Street

Halifax

HX1 2AL

 

Bank Accounts - Data Protection Act Dept: 01422 3263 98

Credit Cards - Data Protection Act Dept: 01422 391 152

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites
GARY68

GARY68

Posted
  • Author
Posted

HI all

just received a nice cheque through the post for viiiiiiirtualy the full amount,

this was for a credit card,

sent 1 letter and waited about 6 weeks,I will post the letter up as soon as my other ppi claims come through which hopefully will be this week,

 

best part on this-to my surprise they didnt offset this to the balance of my credit card which is in dispute and hasnt been paid since nov,

 

off to the bank now:D

donation on its way-soon as the cheque clears that is,

I will post up more details later

 

 

Link to post
Share on other sites
maroondevo52

maroondevo52

Posted
Posted

Superb stuff, Gary :D Congratulations.

 

Surprised about no 'offset' but good to know.

 

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

Good stuff, mines a lager ;)

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
pompeyfaith

pompeyfaith

Posted
Posted

Gary,

 

A very Well done,Tell me is this one of the claims i helped you with just so i know my advice is working ;)

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites
GARY68

GARY68

Posted
  • Author
Posted

Many thanks on this one guys,especially pompefaith & aa

just had my letter back today to say my money will be in within 28 days and they settled for virtualy the full amount,

really pleased and looking forward to spending on the family,we deserve it,

we have had a pretty crap couple of months on the financial front and we will enjoy this weekend,:D

thats 2 results out of 3 and the next one they cant deny should happen this week-hopefully

can someone change to ****won ****

gary

 

 

Link to post
Share on other sites
pompeyfaith

pompeyfaith

Posted
Posted

Well%20done.jpg

 

 

As the poster says WELL DONE MATE enjoy the weekend as the weather will still be nice.

 

Regards

 

PF

 

P.S i love it when a plan comes together :-)

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites
pompeyfaith

pompeyfaith

Posted
Posted

Yup just left you a poster on the other thread well done

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites
pompeyfaith

pompeyfaith

Posted
Posted

Just give me a shout if you need help with the next.

 

The only way we can beat these financial organisations is by banding together so the more people i help get back what they are due the happier i am.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites
alanalana

alanalana

Posted
Posted

Thread title changed to a WON.

 

remember to stick it in the PPI successess in the stickies at the top of the forum :D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites
GARY68

GARY68

Posted
  • Author
Posted

UPDATE ON THIS,

I posted earlier on this as I had today received a cheque instead of paying off my credit card,

 

After running down to the bank after stupidly putting the cheque in the Halifax account:eek:

while on our shopping spree,I drew as much as I could out,just in case they got there hands back on it as I thought they had made a mistake,

 

when returning home opened the letter from the halifax and..............

 

They had paid the card off already......they cheque was all mine..

 

The claim which i HADNT included the compund rate was infact paid to include that....which was a extra £2000 ,this paid off my card.

 

ASTONISHED-:eek:

 

somebody down at the calculations office must have been having a good day,

result -cleared card+ nice cheque

will post up fully when other account pays up

off to donate

 

 

Link to post
Share on other sites
pompeyfaith

pompeyfaith

Posted
Posted

fantastic result pleased 4 u PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites
maroondevo52

maroondevo52

Posted
Posted

Superb stuff, Gary :D

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
alanalana

alanalana

Posted
Posted
UPDATE ON THIS,

I posted earlier on this as I had today received a cheque instead of paying off my credit card,

 

After running down to the bank after stupidly putting the cheque in the Halifax account:shock:

while on our shopping spree,I drew as much as I could out,just in case they got there hands back on it as I thought they had made a mistake,

 

when returning home opened the letter from the halifax and..............

 

They had paid the card off already......they cheque was all mine..

 

The claim which i HADNT included the compund rate was infact paid to include that....which was a extra £2000 ,this paid off my card.

 

ASTONISHED-:shock:

 

somebody down at the calculations office must have been having a good day,

result -cleared card+ nice cheque

will post up fully when other account pays u

 

It is only July but :D Merry Christmas how cool a result is that.

 

Well Done ;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites
  • 3 weeks later...
GARY68

GARY68

Posted
  • Author
Posted

HI ALL UPDATE ON THIS THREAD,

 

MY Tactics here, and hopefully yours;)

 

well went forthe subject to access on this and worked out all my ppi premiums,

this was my other approach for both cards with the Halifax-plattinum & gold cards and bear in mind these cards were changed from visa to mastercards some years ago,

this is how it paid off, (1 letter)

Bear in mind me like many of other people on these threads have taken ppi by just ticking the box-simple, I had no other reason for the mis-selling (self employed-pre existing medical etc..)so...

I worked out my ppi payments from a spread sheet

this is what I sent

 

 

HBOS PLC

Customer Relations

PO Box 548

Leeds

LS1 1WU

 

 

DATE xxxxxx

 

 

Dear Sir/Madam,

 

Re: Halifax credit card Re: xxxxxxxxxxxxxx/xxxxxxxxxxxxx

(Payment Protection No xxxxxxxxxx)-on subject to access

 

The Payment Protection Plan Insurance was attached to the above Halifax account on the xx/xx/2xxx I was not made aware that this was optional and I cannot remember ever agreeing to have it attached to the account, to which I now see as a ticked box.

 

After viewing the subject to access statements supplied to me on the xxxx

2009 , I believe that I was mis-sold Payment Protection Plan for the reasons stated below, and wish you to investigate my complaint according to your complaint procedures.

 

At the time the ppi was applied to the Halifax card I have never received any policy documents, or a copy of the terms and conditions. Furthermore the policy exclusions were not explained to me either before or at the time the card was issued. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.

Your advisor at the point of sale has obviously failed to apply the appropriate duty of care to me as a customer in this instance.

 

It was not explained to me that the policy premium would be added to the monthly statements and that my debt would increase as the premium would attract monthly interest.

 

As I now know it was not mandatory I wish to cancel this policy, I am now of the opinion, after researching the mis selling of Payment Protection Insurance, that I am entitled to claim back the premiums paid plus the interest applied to those premiums.

If my compliant is upheld I will require a refund of all premiums paid on the policy, plus the additional interest charged to me because of the PPP. I will also require the statutory interest at 8% in view of the fact that I have been deprived of the use of this money. (spreadsheet enclosed)

Please now investigate my complaint within the eight weeks allowed to you. Please also confirm in writing acknowledgement to this letter.

 

Yours sincerely,

 

 

Link to post
Share on other sites
GARY68

GARY68

Posted
  • Author
Posted

Well send off the letter and if you do have some legitimate reason for the mis-selling then please include,

but as I have said the letter above is the one I used for both cards ,

 

you will then recieve a letter and ref number telling you they are investigating and they will get back to you this will normally be within the 4 weeks and they may tell you that they will uphold your complaint,

 

Also worth noting here that I havent made any payments and had put the account indispute for 5 months

 

I would be surprised if they didnt uphold your complaint.

 

 

Link to post
Share on other sites
pompeyfaith

pompeyfaith

Posted
Posted

Hiya Gary,

 

Good Luck with this nothing more i can add as i see you have the situation in hand.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites
GARY68

GARY68

Posted
  • Author
Posted

when they uphold your complaint, if you owe money on the credit card they will offset this and send you a cheque,

 

when I put my claim in I thought I had put down contractual interest,but they infact paid me back twice as much as i thought I was going to get

 

 

Link to post
Share on other sites
GARY68

GARY68

Posted
  • Author
Posted

today I have recieved a cheque and they paid my card off too,

the second one:D

 

card 1 total owed £2000 paid account off and sent me a cheque for £4000(£6000)

card 2 total owed £800 paid account off and sent me a cheque for £2200(£3000)

 

all I did was send the letter above:D

now you try it

please change this thread to won somebody:D

 

 

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...