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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case  when he penalty charge is accepted.
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    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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samson vs halifax


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joined cag about 3 weeks ago but im just getting round to sorting my sar letter now cos i was away for 2 weeks. just wondereing what the adreessess of halifax and capital one are and to whom do i make the £10 cheques payable to?:D any help would be appreciated thank you:D

:mad: samson77:lol:
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Halifax is Trinity rd, Halifax

 

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

 

Cheques made payable to Halifax Plc and Capital One Bank (Europe) plc

 

From now on start a new thread in each of your bank's forums and post your progress and questions there.

Good luck

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hi there folks, im posting my sar letter tommorrow and i know the banks have 40 days to comply, though i was wondering is this 40 working days?

 

just like to add how exciting this all actually is,this website needs an award.i have told loads of people about it and they thought i was bulls@**ting them.they realised i was telling the truth,but were still surprised at how much power an ordinary individual has when they put their mind to it(with a little help along they way of course).it all is truly revolutionary. in the words of wolfie smith POWER TO THE PEOPLE!!! lol:D :D :D lol

:mad: samson77:lol:
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Its up to you as it is your deadline, for my claim I said 40 days. Good luck.

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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ok m8 cheers for that. i keep noticing that it takes roughly 3-4 months for people to get their money back ,so when i send my first letter tommorrow i could be looking forward to a very happy xmas

:mad: samson77:lol:
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well folks just to let every one know i got the ball rolling. posted my sar letters yesterday.now just have to wait the 40 days for things to get interesting.i just used 1st class stamps rather than recoreded delivery as i read other people have done the same.. good luck to every one

:mad: samson77:lol:
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  • 2 weeks later...

hi folks posted tha sar letters for both halifaxand capital one. so far ive had no reply from halifax but capital one sent me back a letter which people can view in the cap 1 thread. ps does anyone know why im having problems logging in to cag. i had to reset my password twice and then use it the day after to get logged in?

:mad: samson77:lol:
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Threads merged.

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.

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  • 2 weeks later...

hi evryone. its been about 20 days since i posted my halifax sar,but still no reply from them even to acknowledge they have received it. i was just wondering does anyone think i should give them a ring to see if they got the letter and to remind them of their responsibilities ,or should i just bide my time

:mad: samson77:lol:
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i decided to go ahead and ring halifax about statements and the woman on the fone told me they had no record of my letter so she then offered to send me my statements from june 2002 till now for £5.00. she says theyll take about 3-5 working days to arrive. its hard to believe they will charge me only £5.00 for all that paper but charge £39.00 for an email.so she then put me through to lost/stolen to report the cheque lost which was okay. problem is that when i went into halifax online banking i realised the cheque i thought was for capital ones sar was actually halifaxs and was cashed by them on the 7th sept. anyone know if ive f@*kd up or should it be okay

:mad: samson77:lol:
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Well basically they are going to charge you £15.00 for 4 years worth of statements.

 

Ring them back and tell them that they have taken the cheque for the SAR on the 7th September so they obviously received your S.A.R request. Tell them you want that £5.00 refunded if they have already taken it, and tell them you want statements for the last 6 years, not 4. (Unless of course you have only had the account since June 2002 :confused: )

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yeah ive only had the account from june2002.thing is they have cancelled the cheque ,or can you cancel a cheque thats alredy been cashed? well to tell you the truth i dont really mind paying the extra fiver if it means ill get them in the next five days. id rather not rock the boat and confuse them just in case i end up getting no statements. wot you think tinker?

:mad: samson77:lol:
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yeah ive only had the account from june2002.thing is they have cancelled the cheque ,or can you cancel a cheque thats alredy been cashed? well to tell you the truth i dont really mind paying the extra fiver if it means ill get them in the next five days. id rather not rock the boat and confuse them just in case i end up getting no statements. wot you think tinker?

 

They did the same with me and I told them I wanted it back in my account, and they put it back. :D

 

The fiver that is.

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ok .rang them and explained the situation and the woman said it would take them a few days to get back to me,but more than likely the £5.00 will be refunded.they took my fone number to get back to me. cheers for the help tinkerbelle

:mad: samson77:lol:
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ok folks , it seems that i have my halifax account from june 2004 and not 2002. just got my statements this morning ,and i have been charged a grand total of£552.im going to minus that figure by £117 because they paid this back to me one week when i rang up to complain,which leaves a total of £435. the one thing i found strange to say the least was,i was hoping as i flicked through each statement,i wished that there were lots of charges. a very strange feeling hmm,hoping someone has taken more money off you than they have??i suppose you have to put that down to the amount of successes and the confidence that youll recieve the money back,thanks to cag,of course.so my next course of action is going to be my pre lim letter which ill send on monday.it will all start to get confusing now,as im in northern ireland and cant use the mcol,but i suppose ill play it all by ear

:mad: samson77:lol:
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Hi

 

I believe their is a NI (MCOL) equivalent now - take a look in the "Helpful External Links".

 

I know what you mean about wanting to see more charges too! I can remember feeling quite disappointed at finding several months in a row without a charge on it...

 

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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cheers again jonni ,i went to the ni court website and most of it seems pretty straight forward enough,(apart from the interest),but i dont think ill bother with the interest bit anyway,as im what you would call mathematically illiterate, also found a ni forum on here to which should prove to be useful. im going to post my prelim tommorrow so i was wondering,is a schedule of charges just alist of the charges wrote out and dated,also would it be ok just to write them out in pen as ive no printer.once again cheers m8.

:mad: samson77:lol:
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