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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.

      Please can you advise what I need to do today to get this done. 
       

      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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Andym1973 v Halifax


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Hello,

 

Can anyone tell me when sending a court application on-line are you required to send your spreadsheet showing all costs and interest?

 

And when you view your claim on-line how do you know if your bank has paid or acknowleged the claim? does it appear on the 'Status' line of the form?

 

Any help would be much apprecited

 

PS

My claim was submitted on 4th August 2006 (Halifax)

:)

andrew.mossop@ayh.co.uk

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Hi Andrew

 

I sent my claim in online and yes you will know by the status when you login, and the court will also send you copies of the acknowledgement etc.

 

There is nowhere for you to attach your spreadsheet online, but you could always send a copy to the court once you have your claim number. I didn't do that, but I faxed Halifax legal dept with it last night, and well they have just settled lol.

 

Good luck!

 

Gemma

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Hello!

 

Can anyone give me the fax number for the Halifax Legal Dpt, ive heard that faxing your court form and schedule of charges get a quicker response to your settlement.

 

Has anyone done this and can you send me the number please?

 

Thanks!

 

Andy

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Hi Andy

 

I faxed legal last night with my spreadsheet and they settled today!

 

So yes I would advise this.

 

I haven't got the fax number on me as at work, will post again when I get home - it is a different number than others have used on here before so it might actually get through to a human! :D

 

Gemma

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Hi Gemma,

 

Did you fax a covering letter and your court form with your schedule , if so what did you say in the letter?

 

The fax number would be much appreciated when you get home.

 

Many thanks

 

Andy

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I will fax mine over in the morning aswell just to see if it works - i called them today for a fax number but they said i wont need to fax over the charges - will do it anyway they are probably trying to stall now i think about it.lol

 

Il keep you posted tommorow if it makes a difference

 

 

When did you file your money claim Andy??

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Not sure faxing makes much difference. When I rang on Monday to confirm delivery of a fax send on Monday the person I spoke to said it would not be "scanned into the system" until Tuesday. Maybe best to send a fax and a copy by post at the same time, or e-mail too for good measure.

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Hi Andy

 

I faxed to 01422 333453.

 

I included a covering letter saying:

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: X

SORT CODE: 11-02-01

CLAIM NUMBER: 6QZ51191

 

 

Thank you for acknowledging my claim.

I attach a schedule of charges for your information.

 

 

Yours faithfully,

 

 

 

 

 

Gemma Beglan (Miss)

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Hello!

 

Can anyone help, i have produced a spreadsheet with my 8% interest shown, however the total amount of interest seems high:

 

1. Total charges £2,440

2. Interest £889.53

 

Can someone please have a look at my spreadsheet and confirm if its correct?

 

Your help would be greatly appreciated

 

Andy

 

In Respect of:

Amount

Date Incurred

Days since offence

Interest 8% APR

UNPAID DD CHARGE

£50.00

01/06/2000

2261

£24.87

UNPAID DD CHARGE

£75.00

01/07/2000

2231

£36.81

UNPAID DD CHARGE

£50.00

01/08/2000

2200

£24.20

UNPAID DD CHARGE

£25.00

01/09/2000

2169

£11.93

UNPAID DD CHARGE

£75.00

02/10/2000

2138

£35.28

UNPAID DD CHARGE

£25.00

31/10/2000

2109

£11.60

UNPAID DD CHARGE

£25.00

31/10/2000

2109

£11.60

UNPAID DD CHARGE

£25.00

31/10/2000

2109

£11.60

UNPAID DD CHARGE

£50.00

01/11/2000

2108

£23.19

UNPAID DD CHARGE

£25.00

01/12/2000

2078

£11.43

UNPAID DD CHARGE

£150.00

01/01/2001

2047

£67.55

UNPAID DD CHARGE

£84.00

01/02/2001

2016

£37.26

UNPAID DD CHARGE

£168.00

01/03/2001

1988

£73.48

UNPAID DD CHARGE

£196.00

02/03/2001

1987

£85.68

UNPAID DD CHARGE

£28.00

01/05/2001

1927

£11.87

UNPAID DD CHARGE

£84.00

01/06/2001

1896

£35.04

UNPAID DD CHARGE

£28.00

02/07/2001

1865

£11.49

UNPAID DD CHARGE

£168.00

01/08/2001

1835

£67.82

UNPAID DD CHARGE

£112.00

01/09/2001

1804

£44.45

UNPAID DD CHARGE

£56.00

01/10/2001

1774

£21.86

UNPAID DD CHARGE

£28.00

01/11/2001

1743

£10.74

UNPAID DD CHARGE

£84.00

01/01/2002

1682

£31.08

UNPAID DD CHARGE

£28.00

01/03/2002

1623

£10.00

UNPAID DD CHARGE

£28.00

01/04/2002

1592

£9.81

UNPAID DD CHARGE

£28.00

01/06/2002

1531

£9.43

UNPAID DD CHARGE

£28.00

01/07/2002

1501

£9.25

UNPAID DD CHARGE

£84.00

01/08/2002

1470

£27.17

UNPAID DD CHARGE

£28.00

02/09/2002

1438

£8.86

UNPAID DD CHARGE

£56.00

01/10/2002

1409

£17.36

UNPAID DD CHARGE

£60.00

01/11/2002

1378

£18.19

UNPAID DD CHARGE

£30.00

02/12/2002

1347

£8.89

UNPAID DD CHARGE

£30.00

01/05/2003

1197

£7.90

UNPAID DD CHARGE

£30.00

28/10/2003

1017

£6.71

UNPAID DD CHARGE

£30.00

22/12/2003

962

£6.35

UNPAID DD CHARGE

£30.00

20/04/2004

842

£5.56

UNPAID DD CHARGE

£30.00

03/05/2004

829

£5.47

UNPAID DD CHARGE

£30.00

31/05/2004

801

£5.29

UNPAID DD CHARGE

£30.00

30/07/2004

741

£4.89

UNPAID DD CHARGE

£35.00

17/11/2004

631

£4.86

UNPAID DD CHARGE

£35.00

19/11/2004

629

£4.84

UNPAID DD CHARGE

£35.00

30/11/2004

618

£4.76

UNPAID DD CHARGE

£70.00

20/12/2004

598

£9.21

UNPAID DD CHARGE

£35.00

11/01/2005

576

£4.44

UNPAID DD CHARGE

£39.00

20/07/2005

386

£3.31

 

 

 

8% APR

£889.58

 

 

 

Court Cost

£120.00

 

 

 

Charges

£2,440.00

 

 

 

Total

£3,449.58

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The older the charges are the greater the 8% interest will be, so as many of your charges go back a long way it looks OK.

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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My interest is nearly £900 as well

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Hello,

 

Can anyone advise me, i keep logging onto the moneyclaim.gov website to view the status of my claim and it reads "Status - issued 4/8/06 - Your claim has been accepted the defendant has 14 days from the date they are served with the claim to reply"

 

1.Does this mean that Halifax have received my claim?

2.What's shown on the claim website when they are going to pay up?

3.Is there anyway of speeding things up?

4.What's the average timescale for settlement?

 

Thanks

 

Andy

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2. What appears on the website when the have agreed to pay?

3. Whats the average timescale for settlement?

 

 

You sure they're simply going to pay you out?

 

You do realise they could defend and carry on to court dont you?

 

I note sure you can presume anything.

 

I hope it is as simple as that though.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hello,

 

I have submitted my claim to the courts and it was recieved on the 4th August, this means Halifax should be replying on the 18th August (14 days).

 

1. What do i do if they do not repsond to my on-line claim?

 

2. What do i do if they issue a defence on-line? (do they have 14 days after issue of defence?)

 

Thanks

 

Andy

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Hi Andy,

 

I am at a similar stage to you with the Halifax. I made my claim on 4 th it was issued on 7th deemed served on 12th. They did in fact acknowledge with an intention to defend on the 9th.

 

Halifax have been all over the place with their claims at the moment some people are getting paid out same day as acknowledge others are simply being ignored. The don't seem to have any sort of system in place.

 

If they do not respond after the 14 days you can apply for a judgment by default. Sometimes moneyclaim will not allow you to do this for a few days after the deadline. If they issue a defence they have 14 days to actually come up with the defence. Although, Halifax does not seem to be doing so.

 

Have a good read through the Halifax forum and see what chaos is going on today!

 

I'm sure it won't be long for you.

 

Best of luck

 

Zoot

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Hello,

 

I submitted my court claim online 4/08, Halifax have not acknowledged my claim so i have tried to start my claim today (21/08) based on 'default' however the claim online site will not allow me to do this. Is it 14 working days from the date of issue before you can start a default claim?

 

14 days from the 4/08 is the 18/08!

 

Can anyone provide some advise

 

Thanks

 

Andy

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Dear all,

 

Can anyone help?

 

I have asked for judgement to be made based on default as Halifax havent replied to my court claim.

 

This was issued 24/08.The MCOL shows a section for starting a warrant.

Can anyone advise what i do next, do i need to start the warrant or do i just wait for halifax to pay up?

 

Thanks

 

Andy

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Is your date right Andy. 24/08 was only yesterday.

PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Sorry, either im having a blonde moment or i read it wrong. Thought you had only issued the claim yesterday. Ditto Karnevil.

 

Ill go stand in the corner till playtime.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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my jugdement was done on the 15th August ....today I rang the MCOL and they said it is polite/ok to wait up to 1 month for the bank to pay.......Nice lady I spoke to said they will pay and now it is becoming obvious to me they have to pay as the judgement is against them !!!!!!!!! Stay calm and wait ..........thats what I keep telling myself .

Data Protection Act Disclosure letter sent 11th May 2006

Request for repayment of charges letter sent 3rd June 2006

Letter before action letter sent 30th June 2006

MCOL started 20th July 2006

MCOL deemed served 25th July 2006

MCOL deadline for reply from Halifax 8th August 2006

Notice of Judgement against Halifax 15th August 2006

****SETTLED IN FULL***** 31st August 2006 ****

 

Request for repayment of charges letter sent 1st Nov 2006

Charge was £39 for unpaid direct debit which would have made me £1.20 over my overdraft limit!!!!

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