Jump to content


  • Tweets

  • Posts

    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
  • 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

In for a penny!!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2511 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

Just when I was thinking I needed someone new to go after my data arrives yesterday. Spent the evening going through with marker and sent off prelim today. This is great 'cos they only sent me data from 2002 so I can now request the rest back to the 1980s (in theory anyway) while proceeding with this claim. Any idea how far back Halifax data goes people?

 

 

Link to post
Share on other sites

  • 3 weeks later...
  • Replies 172
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 2 weeks later...

Oops. 14 days are well and truly over. Never mind, waiting for my new WTC/CTC award letter to arrive so I can claim remission. LBA going in post tomorrow. At this rate I will have 4 seperate claims to file in a fortnight. That'll keep me out of mischief. Will all 4 settle before we go on holiday in August? Come on as usual Howard, I need my extra. 8)

 

 

Link to post
Share on other sites

It does help Lorraine if you don't send them a bouncing cheque!!!! Silly me. I was busy with other claims so didn't get round to sending a non-compliance letter. I have claimed late/overlimit/unpaid cheque fees and don't forget to add your £10 sar fee. I like Vampiresse's spreadsheets and I have used nos 14(a and b?) which works out 'bank interest on penalties' in last column adding quite a bit onto my claim before I file at court. I only go for statutory as I couldn't get my head round contractual 100%. Now I'm curious so off to Vamp's chambers to see what I will be claiming when I get to court. All the very best with your claim, Sally

 

 

Link to post
Share on other sites

Thanx very much for that sally i shall be sending SAR to credit card,

Hi I had a claim with the Halifax going for 2 months, they paid the full amount into my account today £5635.05.

N1 filed 23rd May 2007

Deemed served 25th may 2007

Acknowledged 1st June 2007

Keep on fighting and you will get it.

Heres some helpful numbers 01422 391096 or email

[email protected]

Link to post
Share on other sites

Hi Sally

 

Just caught up with your own thread. Incidently I am also on a payment arrangement through CCCS which includes the Halifax credit card. Assuming you are keeping up the monthly payment to CCCS, there is no way they should have issued a default notice.

 

Have you had any response to LBA?

In my own case, knowing they would never meet the deadline, I gave them a couple of extra weeks and then made a chasing phone call which seemed to do the trick - xtra patience for xtra money!

Link to post
Share on other sites

Yes, today. It just says I am not going to have the charges refunded as they were applied as per my original agreement. Quick turnaround - I only wrote on the 19th. I will just have to check they have not defaulted me and proceed to court then. I had kept up the payments via the cccs but apparently the arrangement should have been reviewed sometime in the last few months. News to me.

 

 

Link to post
Share on other sites

Thanks Brett. Wonder why I need a review then. They probably do a spot check now and then. Whe this postal strike is over I have a second request going off for all data going back to the year dot - well as long as they have records for that is. The cccs will be very happy for me.

 

 

Link to post
Share on other sites

  • 2 weeks later...

Can I throw my toy out of the crib then!!! Just used the rejection letter offering them 10 days to settle. BUT I WANT MY 8%. Still, fair play and all that. Hope they don't settle. If they do offer to but refuse to remove default notice can I still proceed to court as this is one of my conditions? Seems fair to me.

 

 

Link to post
Share on other sites

Dont worry Sally,

The chances of them settleing as you know is small, so then you go all the way...:D

 

Have a read of Doos cap one thread, she has had her default removed, and she has taken it all the way.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

As a 'goodwill gesture' they have offered me half what I am claiming. Just like the currant a/c then. Rejection letter going in post tomorrow. Will be filing at court next week.
hi sally nice to here from you again !

They did the same thing to me last week and offered me half of what i was claiming and before i could know the money was in my account , i then phoned them straight away and told them to take it back .mentioning to them that i have started court proceedings, and written a rejection letter. Then they changed and said that was a part payment so eh! i have a feeling they are loosing the plot!

I M just waiting for them now !:twisted:

Link to post
Share on other sites

You're a hard woman ND. Remind me not to cross you - ever!!!

 

Thanks SSL. I had completely forgotten about Doo's cap one thread. Will look it up later. 'Course they won't settle.

 

All this lovely rain and what am I doing in the garden? Digging up and removing bog garden 'cos it got too dry last year and creating lavender garden in it's place. Bog garden going at the bottom of the garden where it is shady. Should I ask Monty Don's advice do you think? I still think the planet is warming up so there.

 

2 of the kittens went to one good home and I only have 2 adults and 2 kittens now which makes the food bill much better. They all get on well too.

 

 

Link to post
Share on other sites

Hello again Sallly

I was in exactly the same position as you, with the initial half offer on credit card having previously had a full settlement on the bank account.

I made a specific point in the rejection letter of stating the precedence of a full settlement from their brothers in banking (quoting the account and settlement reference) and expecting similar treatment on the credit card front.

This did the trick and they coughed up a full settlement, although admittedly it was some way past the deadline stated in the letter and I was hovering on MCOL. I did the same with MBNA with the same result, saying my son had previously received a full settlement.

The 8% interest can be quite chunky if some of the charges go back awhile so my advice would be stick to the deadline, knowing Halifax hav'nt a chance of making it, and go for court!

Link to post
Share on other sites

Thanks Brett. I have another claim going through for currant account so I might use the strategy you have employed when it has been served next week. Could do with some extra for summer holidays.

 

Not used to this early start. My youngest has gone off to France for the day with school and I have to pick her up around midnight.

 

 

Link to post
Share on other sites

  • 2 weeks later...

Filing at court tomorrow - and this time I remembered to ask for default to be removed in my POC. Another one to bite the dust then. Strange to realise I sent off for data last November, but what with other things in the pipeline and issuing 'bouncing cheque' it has taken this long. Note to self - read 'Doo's cap one' thread

 

 

Link to post
Share on other sites

Hi Sally, have finished my cap one claim now, think I have taken it as far as I can BUT got default removed plus the late markers on my credit file, it all shows a lovely row of 0's now, in my POC as well as asking for default removal I also asked for all negative info to be removed. Good luck, I will be watching, just stay firm and don't accept funds till they confirm they will remove default.:D

Link to post
Share on other sites

Hiya guys!!:D

 

Looking at this page is like looking at the old threads. :D

 

Doo did you get your last £100 back??

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

No, Cap One in no-uncertain terms told me that the £200 GOGW more than covered this. Just did not think it was worth carrying on with - a big part of my decision was also that my local court send claims to Southend which is quite a way away from here - not worth the hassle. Anyway, I now have Barclaycard and Abbey to fight lol :D

Link to post
Share on other sites

So your gonna be around for a while yet!!

 

I have an abbey one my freind just asked me to do. She got as far as court and part payment, and panicked!!,

Oh well, just add it to the pile...*sigh*

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...