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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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      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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    • 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.
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      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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Money Claim


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Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

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hi everybody.wrote to my local bank requesting all charges that have been applied to my account over the past six years.told them i would contact the press if they refused.this was before i knew about this great site.they phoned me trying to claim all there charges were legal.then i hit them with the dpa . the assistant manager asked me how much i was claiming for .i told her every charge that they had applied and also a secured loan that i had to clear my bank overdraft because of there charges . shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly . will let you know what they decide a.s.a.P THANKS PETER

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hi everybody.wrote to my local bank requesting all charges that have been applied to my account over the past six years.told them i would contact the press if they refused.this was before i knew about this great site.they phoned me trying to claim all there charges were legal.then i hit them with the dpa . the assistant manager asked me how much i was claiming for .i told her every charge that they had applied and also a secured loan that i had to clear my bank overdraft because of there charges . shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly . will let you know what they decide a.s.a.P THANKS PETER

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shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly .

 

:lol::lol::lol:

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shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly .

 

:lol::lol::lol:

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Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

 

I don't know why I keep missing your posts. Sorry.

 

Did you find out about "pending charges?"

I don't know without looking at your statements etc to try and see a pattern.

Why don't you just write and ask for an explanation as to what they might be.

We'd like to know too.

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Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

 

I don't know why I keep missing your posts. Sorry.

 

Did you find out about "pending charges?"

I don't know without looking at your statements etc to try and see a pattern.

Why don't you just write and ask for an explanation as to what they might be.

We'd like to know too.

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hi .ive written for all charges on my account.there explanation about pending charges is . dont write a cheque or do a switch transaction unless you have funds in your account.ive allways done it my way knowing my wages will come into my account before the cheques or the switch transactions but they still charge you regardless.i will try and find out more thanks peter

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hi .ive written for all charges on my account.there explanation about pending charges is . dont write a cheque or do a switch transaction unless you have funds in your account.ive allways done it my way knowing my wages will come into my account before the cheques or the switch transactions but they still charge you regardless.i will try and find out more thanks peter

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HI

EVERY ONE.PHONED MY LOCAL BRANCH TODAY TO FIND OUT WHAT

WAS GOING ON ABOUT MY DPA REQUEST ABOUT CHARGES ON MY ACCOUNT.

WAS TOLD THE ASSISTANT MANAGERESS WHO WAS DEALING WITH MY REQUEST WAS NOT AT WORK BECAUSE OF AN EMERGENCY.

DECIDED TO CONTACT HEAD OFFICE SPOKE TO NICE LADY SHE WAS SHOCKED AT ALL MY CHARGES .

TOLD HER I HAD SENT IN A DPA REQUEST FOR ALL CHARGES ON MY ACCOUNT AND IF ANY MANUAL CHARGES I WANTED PROOF BECAUSE I INTEND TO TAKE THEM TO COURT .

SHE SAID SHE WOULD LOOK INTO IT AND CONTACT CUSTOMER SERVICES TO SPEED THINGS UP AND WOULD PHONE ME BACK.

TO HER CREDIT SHE DID AND TOLD ME A LETTER WITH THERE ANSWER

WOULD POSTED SHORTLY .I DONT HOLD OUT MUCH HOPE

LET YOU KNOW WHEN I CAN

THANKS PETER

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HI

EVERY ONE.PHONED MY LOCAL BRANCH TODAY TO FIND OUT WHAT

WAS GOING ON ABOUT MY DPA REQUEST ABOUT CHARGES ON MY ACCOUNT.

WAS TOLD THE ASSISTANT MANAGERESS WHO WAS DEALING WITH MY REQUEST WAS NOT AT WORK BECAUSE OF AN EMERGENCY.

DECIDED TO CONTACT HEAD OFFICE SPOKE TO NICE LADY SHE WAS SHOCKED AT ALL MY CHARGES .

TOLD HER I HAD SENT IN A DPA REQUEST FOR ALL CHARGES ON MY ACCOUNT AND IF ANY MANUAL CHARGES I WANTED PROOF BECAUSE I INTEND TO TAKE THEM TO COURT .

SHE SAID SHE WOULD LOOK INTO IT AND CONTACT CUSTOMER SERVICES TO SPEED THINGS UP AND WOULD PHONE ME BACK.

TO HER CREDIT SHE DID AND TOLD ME A LETTER WITH THERE ANSWER

WOULD POSTED SHORTLY .I DONT HOLD OUT MUCH HOPE

LET YOU KNOW WHEN I CAN

THANKS PETER

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  • 2 weeks later...

Hi.

Every one halifax have just sent me two years worth of statements.

I phoned there customer relations department on01422-333465.

Told them that i didnt ask for statements just a list of all charges on my

account over the last six years .

Also said to them that they had ten days left to comply under dpa.

And then i would be taking court Action against them .She said the halifax have set up a special team to deal with dpa requests and she would

pass on my phone call.

 

Thanks Peter

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She said the halifax have set up a special team to deal with dpa requests and she would pass on my phone call.

 

I wonder if that is a recent thing?? :lol::wink: No doubt all the other banks will have to follow soon as more and more people are made aware of the banks practice of unlawful charging

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Hi every one.

Decided to look through the statements the halifax sent me just for fun

until my dpa data arrives.Anyway my mistake there is six years worth ive

added it up and they owe 860 pounds .

What i have noticed is all charges they refunded to me in the past are not on the statements i.e a charge then a refund is this legal or are they on

the fiddle.

 

 

Thanks Peter

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Very strange that they are not on the statements.

It's nearly the deadline for the DPA so maybe you will have more info soon.

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Maybe you intercepted your charges before they hit the statement. It's happened to me. As they charge up to 2 months after the letter, you can often stop them before the statement comes. Result is no record of the charge and no record of the cancellation, which balances out.

 

just a thought!!

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Hi the bank have sent me another lot of statements they have suggested this instead of dpa information im getting abit peeved with this .

Im going to issue court proceedings tomorrow. On the statements they have charged me 960 pounds and 300 pounds interest over three years.

What should i sue them for i mean compensation as well please advise i have not got a clue.

 

Also do i put on the forms head office or my local branch. And by the way im running on a overdraft so i will be doing it by cash in the courts just to be safe i hope you understand guys .

 

there letter is to long to put on here but should i use it against them if i have to go to court . Please give me a ball park figure i just want to get started now it does concern me that they really dont want me to see the dpa information

 

Thanks Peter

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I'm not too sure where you are on this.

 

You say that you haven't received your DPA repsonse yet you do have statements and you know that you have paid £960 and £300 interest over the last 3 years. What is missing?

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Hi they have said i have had 1450 in refunds allready .But this does not take into account this 960 . If i can believe them understand what i am saying just want to put an end to this and get my life back

 

Thanks peter

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I think that putting in a claim for compensation as well as your charges and interet will take you nto an area which will be too complicated.

You might not get much anyway.

 

Claim the £960 plus interest but make sure that you can show that this does not include the £1400 odd which they have already paid you.

They might try to say that the £1400 already takes into account the £960

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Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

 

I don't know why I keep missing your posts. Sorry.

 

Did you find out about "pending charges?"

I don't know without looking at your statements etc to try and see a pattern.

Why don't you just write and ask for an explanation as to what they might be.

We'd like to know too.

 

Hi I believe pending charges relate to charges which you have incurred since your last statement which you have been notified about but has not yet been taken from your account.

 

I think :?

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Hi,

 

I am about to sumbmit my moneyclaim form. However I need some help calculating the interest.

 

I have entered all of my charges into the spreadsheet.

 

The total is £916.00 and the 8% interest is £163.92

making a total of £1079.92.

 

When I make a claim for interest on the moneyclaim site it mentions the daily interest rate aswell. What do I put for this? or how do I work it out?

 

Thanks

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Please

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Thanks

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