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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi All

Like you all I have been taken to the cleaners over the last 5 years in charges from the Halifax! They bounced a cheque once because i was 23 pence under even though a cheque of £350 was due to clear the following day. Unfortunately my credit rating is poor and they were the only bank to accept me!

I posted the initial Data Protection Request on Friday 24th March by first class recorded delivery.

I will keep you posted on developments!!

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Good luck glennsterblue - is the Halifax your existing bank, or have you since moved?

 

If this is still your main account, you might want to consider searching for a new one now, before things really start hotting up!!

 

John

..

.

 

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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It won't be - all banks are the same at the moment and until we have some proper, healthy competition, they will carry on being as bad as each other.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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  • 3 weeks later...

Received my bundle of statements yesterday and although i authorised them to take £10 to cover costs they debited £5. Big surprise!!

Totalled up the charges they only came to £340 i was certain they would have amounted to more i felt like id paid more!!!

Anyway going to claim it back and am posting the letter before action today-recorded delivery.

Will keep you all posted.

 

 

MODERATED thread moved.. Can you please keep to the one thread when updating this is for your benefit and the benefit of everyone following your case.

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You need to send the prelimanary letter first .

Luckily for you it's good Friday so you will have been unable to post anything recorded delivery.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 1 month later...

Hi All

An update to keep you posted!

Sent prelim letter 28 April 2006 recorded delivery- no response at all from Halifax.

Letter before court action sent 12 May 2006-recorded delivery. I await a response otherwise it looks like court action.

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Hi

 

Im just curious if there is anyone else who has received no correspondence at all from Halifax?? I am due to commence court proceedings on Friday 26.05.06. I thought i might have received something from them. Getting nervous now as i will probably be the one they take to court!!! But i am determined to see it through

 

will keep u posted!!

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Getting nervous now as i will probably be the one they take to court!!!

 

Don't be. They avoid some, and fob off others. I got the fob off but don't feel any more special for it.

 

I go to court tomorrow to file my claim - we've all had the feeling that we might be 'the one' - I rather hope I am.

..

.

 

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 just to say nationwide are pants they have taken £1500 off me in the last five years i am now pursingthem for it, try the co-op they give you a debit card but are strict on direct debits in the first few months! my credit rating is poor but only because of the bloody banks!!!

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Yiphee Northern ireland has moved with the times and we can now lodge small claims online! Got mine completed and processed this morning! Now just a matter of wait and see!!!

Went downstairs and seen a letter from halifax on mat- bog standard "sorry you are unhappy blah blah " A little too late i'd say!!

Will keep you posted!!

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Hi Madonna

If you go to the Ni courts website and create a log in its lets you complete small claims on line. The papers are prepared at Laganside Courts but you can list your local court for hearing (if it comes to that). I spoke to them today as they are serving the papers in England we need to sign a declaration of some sort. (They post that out to you) They also said it may take slightly longer to process.

You can then view the progress of your case online.

I am waiting now to hear when they serve the papers but ill keep you updated on what happens!!

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Hi

 

Iam from Northern Ireland also, :) and am just about to send my 2nd letter to Nat West. If i hear nothing from them how do i go about claiming on line through the small claims court.

 

your help would be great as never been to court and starting to get worried now.:o

 

Please start your own thread in natwest as you are hijacking someone elses.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Thanks for that glennsterblue.

 

aye that would be great if you could keep me posted on what happens.

 

Sorry for posting on the wrong thread didn't mean to hijack yours. Will post on Nat West.

 

Thanks again for replying.

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hi lueeze, my post was in reply to glennster blue who had said he had now opened an account with nationwide! i was simply saying that nationwide is pants also, so i wasnt in the wrong place! sorry for any confusion Diane

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  • 4 weeks later...

Just to keep you updated. Filed claim online with NI courts 0n 31 May. It was returned to sign a declaration as if i win case and Halifax do not pay i need to chase them through English courts. Papers served on 9 June and they have been given to 21 July to respond. As yet nothing!!!

So i guess i just wait hopefully they will settle if not off too court i go!!!

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Glennster, who in Head office did you address letter to?

Halifax PLC - Data protection request sent 6/7/06 Only "goodwill" £30 refund so far. working out my husbands charges now

Student loans company - request of refund of overpayment £59 sent 6/7/06. They still havent stopped my repayments even though loan is paid off.

Inland revenue - tax code increased to refund unnessecary tax paid on professional expenses.

Inland revenue - in the process of working out all tax due back from travel allowances

NHS Pensions - refund of 3 months worth of pension applied for.

not much £ but its the principle:grin:

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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