Jump to content


  • Tweets

  • Posts

    • Hello, firstly thank you for reading this. I know no one wants a long winded back story. So I’ll be breif. I entered a local store to buy some paint (which I did pay for) I am honestly not a bad person or a theif.   Didn’t have a basket or trolly as was on my lunch break. Whilst picking up the three tubs of paint placed some masking tape in my pocket (it was hanging out of so I had every intention to pay) just didn’t have a hand free. Paid for my goods (forgot about the £4.39 masking tape) I’ve got so much going on and im not well at all (like I say no one cares I get that) also have autism so wasn’t thinking particularly like others do maybe (who knows my minds going around and around) I left the store after paying, was pulled back in by security. Asked for the tape which I gave immediately  shook up. Gave them my ID and details. I was given some paper and told to expect a large fine in the post for their time and the tape and sent on my way. my questions are: I hardly ever go out without support so the ban I guess I can’t go there now for anything (their loss) - ok but is my photo going to be all over with my name? how much am I expecting in the post as a fine? I have sent them cash in the post recorded signed for delivery to arrive tomorrow (incident happened today) for my error. Their Address was on the bit of paper. i have read two posts on this page but they were from many many years ago so I hoped for updated advise please? 
    • V important you read lots of BMW threads too !  
    • So should I send them a new SAR and put my date of birth on it? Or do I need to send them some proof? Driving license? 
    • Thanks so much for your help!! I've emailed them, and when they reply saying they can't do it I'll reply and state my rights. I'm so glad I found this forum, and will read all of the posts I can find and help guides available for the future. Really can't thank you enough.
    • utter BS, doesn't matter you signed it. pers i'd be writing as per the other threads here rejecting the car as not as described under CRA etc and be done with it. as its a debit card you could also do a full chargeback within 120 days to your bank and simply dump the car back to BMW. 100's of like threads to read here. get your ducks inline. make sure you know what you are doing and off you go. dont take any BS from BMW, no matter what you sign it does NOT remove your consumer rights. p'haps it might be on the off chance you are a good manager , a quick phonecall tomorrow saying you dont want it because (no bla bla fitted) it might be resolved in 5 mins..i will guess to date you not tried
  • 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

Halifax bank charges ***SETTLED IN FULL***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6437 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

My statement.

 

Claimant has a contract with Halifax PLC

opened in 1987 conducted on their standard

terms and conditions. I am claiming the money

taken by the defendant in charges for the

last 6 years plus interest. The bank's

charges are a disproportionate penalty and

therefore unenforceable as they are contrary

to common law. Further, as a disproportionate

penalty they are invalid under the Unfair

(Contracts) Terms Act 1977 s.4 and under the

Unfair Terms in Consumer Contracts

Regulations 1999. Para.8 and sch.2(1)(e). In

the event that the charges are not a penalty

then they are unreasonable within the meaning

of the Supply of Goods and Services Act 1982

s.15. The bank will not justify these

charges. Charges:Unpaid penalty charges from

April 2002,including unauthorised overdraft

fees as a result of the charges £1,759.

Claimant claims interest under section 69 of

the County Courts Act 1984 at the rate of 8%

a year from 04-2004 to 31-8-06 of £170.08

and interest at 8% up to the date of judgment.

 

Hope this helps.

:)

Link to post
Share on other sites

  • Replies 55
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

hi there,

 

I too received a letter just this morning from the halifax to say they were sorry i was unhappy with my £3300 bank charges and they will get back to me in the next four weeks or so!. after reading postings, will do the same and give them the original 14 days as stated and continue with claim.

Link to post
Share on other sites

hi there,

 

I too received a letter just this morning from the halifax to say they were sorry i was unhappy with my £3300 bank charges and they will get back to me in the next four weeks or so!. after reading postings, will do the same and give them the original 14 days as stated and continue with claim.

 

Keep at 'em Bobs!

Link to post
Share on other sites

Hia TJZ1100

Many thanks for your help. I have just submitted my mcol. I have added the interest as I worked it out on the spreadsheet to the total. Was I supposed to send my spreadsheet off to the court. I am totally lost now (hope I haven't messed up) I have read the FAQ's over and over again but I really can't find the answer for this

Many thanks

Any advice from anyone would be appreciated

Caz

Link to post
Share on other sites

The court may request the charge schedule, but if you've included your account details the bank should be able to work them out for themselves. You can't (as far as I'm aware) attach the sheet to the mcol form anyway. Some people who've used the N1 form and taken it to the court have included a schedule of charges!

 

Good luck.

Link to post
Share on other sites

Many thanks. I think I have read that many different things that I have totally confused myself. I am scared of messing things up at this stage. It seems really daunting when you are just used to being at home looking after the kids, doing the washing etc. etc.

Link to post
Share on other sites

You can't.

 

Send a PM to one of the moderators.

  • Confused 1

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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

LOOK! Free CAG Toolbar.

Follow link for more information.

 

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

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Have you lot started your own threads in the Halifax forum? You will get much more input from other Halifax customers there and they will no doubt offer help too. It is much better to start your own threads so you and everyone else can follow your progress more easily.

 

If you can't find your own thread, look on your own post here, click on your underlined user name, which you take you to your own profile. There you will find a link showing threads you have started. Just follow that.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Hia caro. Thanks for your help. I am sorry to appear thick but I had never used a forum before any of this and I don't know how to get my threads into the halifax forum now. Sorry to be a pest but would you please be able to merge my threads and get me in the right place?

Many thanks

Caz

Link to post
Share on other sites

Good luck.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Hia everyone

Just to let you know I have received a Notice of Issue from the court this morning.

details are

Claim issued on 4th Sept.

Sent to defendant first class post on 4th Sept.and it will be deemed to be served on 9th Sept.

Halifax has until 23rd Sept. to reply

Hope everyone else is going on ok with their claims

Caz

Link to post
Share on other sites

Only if they are defending. If they only acknowledge it is 14 days I believe.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Study the FAQ's and step by step instructions and you will find the whole process fully explained.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

:lol: ZIPPEDY DOO DAH ZIPPEDY DAY MY OH MY WHAT A WONDERFUL DAY!!!!!!!!!!!!!!!!!!!!!!!!:lol: :lol: :lol:

HAVE JUST CHECKED MY ACCOUNT AND HALIFAX HAVE PAID IN FULL.:lol: :lol:

Donation will be on it's way very soon. Thanks to everyone involved with this amazing site

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...