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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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      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.

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halidebt v Halifax


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Hi there,

 

I went over my credit limit (£350) on my Halifax CC a couple of years ago. The debt has now risen to £1600, purely on charges and interest since April 2004. I've was paying the minimum repayment (£50 per month) but I was paying this late each month - so every month I incurred £25 for overlimit, £25 for late payment, plus interest.

 

I have the following questions I really hope someone can help me with:

 

Do I have to pay off the debt in order to claim the charges back? I'd rather they just cancelled it as this involves less risk (I rang them last week but was dealt with rather rudely - and told they 'don't do settlements')

 

Should I carry on paying the minimum payments (now approx £90 per month) in the meantime? Can I refuse to pay anything as the charges are unlawful or will this get me into more trouble?

 

Thanks!

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hi

 

I'm 99.9% sure you've got a claim here. I've read a lot of threads over the past couple of days and a lot are just like yours. I'd advise you to go FAQs and have a good read because I'm sure your answer is there.

 

The charges are unlawful so I hope you decide to proceed and join the rest of us in reclaiming OUR MONEY!!!!!

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Hi Halidebt,

 

I am in the exact same situation, had a credit card with Intelligent Finance which is handled by Halifax. My card went over the limit and as a result I had overlimit fees applied, Late payments fees and interest on these fees. This doubled the amount I owed over a two year period before they finally defaulted me.

 

I have sent the letters off even though my debt went to a collection agency. I only feel it fair as they have forced me into further debt like yourself.

 

I would suggest you at least try to get these charges removed as it does hinder your progress in paying off your debt to them.

 

Hope this helps.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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hi, yes you can claim them all back! personally i would continue with your minimum payments then you will be in credit when you get charges back! also they could default you if you arent quick enough claiming charges back ok?:)

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Hi halidebt - welcome aboard.

 

1) You are certainly entitled to reclaim these charges. The interest added because of those charges is also reclaimable.

 

2) Have you been defaulted?

 

3) If, since the original debt, you have paid back £350 or more, then stop paying, otherwise continue. If you have paid this amount back, let me know. You would simply write to them and clearly state that the amount owed in formally disputed.

 

4) Just to confirm - you don't have to pay off the charges in order to claim for them.

 

Look forward to your responses - best of luck

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks to everyone for your replies. It's great to hear that I'm not alone.

 

Thanks especially jonni2bad for your questions.

 

Hi halidebt - welcome aboard.

 

1) You are certainly entitled to reclaim these charges. The interest added because of those charges is also reclaimable.

 

2) Have you been defaulted?

 

I'm not sure. I certainly haven't received notice if I have. They send me the same standard letter every three months demanding full payment to 'avoid this account being referred to a recovery agent.'

 

3) If, since the original debt, you have paid back £350 or more, then stop paying, otherwise continue. If you have paid this amount back, let me know. You would simply write to them and clearly state that the amount owed in formally disputed.

 

I owed them £400 in April 2004 when I went over my limit of £350. Since then I've made payments of at least £469.35. The charges levied on the account since then are at least £1175 and the interest accrued on the penalties is approx £200 (thanks to Vampiress for the excellent spreadsheet). I am missing four statements over that period so the actual figures are likely to be higher (from the account balances it looks like there's £200 more in charges)

 

4) Just to confirm - you don't have to pay off the charges in order to claim for them.

 

Look forward to your responses - best of luck

 

Thanks again - I was thinking the best way to proceed was to write to the bank requesting that the charges be dropped as they are illegal. I'm unsure whether I would still owe them anything after this however.

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You have now paid back into that account more than you originally owed them. Stop these repayments. You will need to write to them and make them aware that the current 'debt' is in dispute and you will be commencing legal action shortly to recover funds - in the mean time any further action by the bank to recover these sums will be vigorously defended. If you need help wording it, let me know.

 

You should also see our templates library and issue a Section 10 notice under separate cover.

 

Separately, you should find out for sure what info they have placed on your credit files. There is a fee of £2 per organisation - Experian is the major one but also check Equifax. I think address details are in the DPA forum, if not I will get them for you.

 

We need to clairfy these points.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Separately, you should find out for sure what info they have placed on your credit files. There is a fee of £2 per organisation - Experian is the major one but also check Equifax. I think address details are in the Data Protection Act forum, if not I will get them for you.

 

We need to clairfy these points.

 

Hope you dont mind Jonni

 

www.experian.co.uk/

 

https://www.econsumer.equifax.co.uk/...rning_credit11

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Thanks for your help.

 

Having looked through the FAQ and other threads it seems that interest is not charged on the fees. So I think that I may still owe them a bit of money (since I owed them about £400 two years ago - I don't mind that since it is genuinely money I spent). I'm going through my statements to work out how much this should be.

 

However, since interest may still be accruing won't Halifax delay as long as possible to increase the interest I owe them?

 

It looks like I was defaulted in January of this year. Is it possible to have the notice removed?

 

Also, there is a 'Repayment Cover' listed on my CC statements. Is this a charge, and if so is it reclaimable?

 

Thanks.

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Hi,

 

Thought I'd start a new thread on this since I can't find the info elsewhere.

 

On my old CC statements, along with the standard (illegal) charges, I'm being hit with 'Repayment Cover.' It seems to be a calculated amount (eg £6.53 varying from month to month.)

 

Does anybody know... what is this? Can I claim it back along with the other fees?

 

Thanks!

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However, since interest may still be accruing won't Halifax delay as long as possible to increase the interest I owe them?...

 

No, because they will hold out until court and then have to pay back 8% interest on each charge from the date incurred.

 

It looks like I was defaulted in January of this year. Is it possible to have the notice removed?...

 

How much was the default for?

At that point, how much had you already been charged?

 

Also, there is a 'Repayment Cover' listed on my CC statements. Is this a charge, and if so is it reclaimable?...

 

Afraid not - this is a service element and not covered by the regulations we rely upon.

  • Confused 1

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Halidebt, you have alot to claim back and are in the same bout as me but mine is far less!

 

How much were you defaulted for in Janurary, please keep us posted with your case as it is interesting.

 

 

Good luck!

 

P.s. When you get your ££££s dnt spend all at once! Lol.8-)

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No, because they will hold out until court and then have to pay back 8% interest on each charge from the date incurred.

 

 

 

How much was the default for?

At that point, how much had you already been charged?.

 

Sorry it was Jan 2005. The default was for £963. I had been charged approx £525.

 

Afraid not - this is a service element and not covered by the regulations we rely upon.

 

Thought not!

 

Thanks.

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Hi its an insurance in case you are ill or something like that, covers your payments if you cant pay basically! :mad:

 

Thanks. It seems to rise in proportion to the balance, approx 0.85%

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They are usually related to the balance - the more you owe, the more they have to pay out (if they can't find a way of avoiding it)! :p

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

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...The default was for £963. I had been charged approx £525

 

This is where it gets difficult. The arguement will be along the lines of - if you had not received charges on your account, you would have been £525 better off, but you would still have had a shortfall of £438 on your loan repayments.

 

Whilst not a definitive statement, I think you are going to be hard pushed to say that the charges were fully responsible for your debt.

 

However, what might help is to see a timeline of events and sums involved.

 

April 2004 - when you first went over the limit.....

Actual amount owed v total of charges imposed on account

 

Date of default

Actual amount owed v total of charges imposed on account

 

Most recent position

Actual amount owed v total of charges imposed on account

 

Also, you were not sure initially if a default had been issued. Are you now sure because you have seen your credit records, or for another reason?

 

Did you ever receive notification of the default (a default notice, giving you 28 days to pay)?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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This is where it gets difficult. The arguement will be along the lines of - if you had not received charges on your account, you would have been £525 better off, but you would still have had a shortfall of £438 on your loan repayments.

 

Whilst not a definitive statement, I think you are going to be hard pushed to say that the charges were fully responsible for your debt.

 

Yes that's what I thought.

 

However, what might help is to see a timeline of events and sums involved.

 

April 2004 - when you first went over the limit.....

Actual amount owed v total of charges imposed on account

 

Date of default

Actual amount owed v total of charges imposed on account

 

Most recent position

Actual amount owed v total of charges imposed on account

 

I'm going to send off a Data Protection Act request to get a complete picture, now that I know I have a case.

 

Also, you were not sure initially if a default had been issued. Are you now sure because you have seen your credit records, or for another reason?

 

Did you ever receive notification of the default (a default notice, giving you 28 days to pay)?

 

Yes, I've found the notification of default. That's why I now think it's been issued. My records aren't in particularly good order, so I only found this the other day when setting about putting everything together.

 

Thanks again for your help

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It will soon go by - consider it something to look forward to!! :D

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...

Received this from HBOS, dated 13th July:

 

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

 

Dear Sir/Madam

 

Completion of Request for a list of transactions and charges

 

I acknowledege your letter requesting specific information on your account with us and confirm that copies of duplicate statements have been ordered and will be sent under separate cover.

 

With regard to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore, I am unable to assist further with your request.

 

Should oyu have any general aacount queries please contact 24 hour banking on 08457 20 30 40.

 

Details of how you use your data can be foudn on the internet under the Security and Privacy section at www.halifax.co.uk and Bank Of Scotland - Home -. If you would like a copy of registered Data Protection Notification details, this can be found at www.informationcommissioner.gov.uk. Alternatively, please let me know if you would like me to forward a copy of either to you.

 

Yours faithfully,

 

[Printed Signature]

Data Protection Consultant

Business Risk - Retail.

 

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

 

Spelling mistakes mine. Clearly a standard letter but better than I was expecting. Cheque for tenner cashed on Monday.

 

Haven't had the statments yet though! Have heard these are often 'lost in the post.'

 

Just thought I'd keep everyone up to date. Any thoughts?

 

PS Work is progressing on my credit card spreadsheet, will post it when it's done.

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  • 2 weeks later...

Hi Halidebt and everyone else out there!

Is there any news on the spreadsheet for calculating Credit card debts?

Sorry I have been offline for ages with all sorts of problems.

I will get back on tonight and let everyone know what is happening when I finally get some peace!

Thanks for everything so far.

Have issued my claim today online for my current account. Will post all the details later when I find my thread!

Substation.

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Spreadsheet requests

When requesting spreadsheets from [email protected] can you please include the following information:

  • England or Scotland
  • Bank Account or Credit Card
  • Simple (8% interest only) or Advanced (8% interest + overdraft interest)
  • Excel, Works or OpenOffice

This way your requests can be dealt with much quicker.

 

Also please remember this e-mail address is for spreadsheet requests only, any questions and comments need to be posted on the forum.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi there,

 

Nearly done! On a beta version now, needs testing and instructions writing.

 

How do I post spreadsheets?

 

 

Hi Halidebt and everyone else out there!

Is there any news on the spreadsheet for calculating Credit card debts?

Sorry I have been offline for ages with all sorts of problems.

I will get back on tonight and let everyone know what is happening when I finally get some peace!

Thanks for everything so far.

Have issued my claim today online for my current account. Will post all the details later when I find my thread!

Substation.

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