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    • The lawsuits allege the companies preyed upon "vulnerable" young men like the 18-year-old Uvalde gunman.View the full article
    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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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.

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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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Zenith69uk vs HBOS


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Hi all didn't really feel ready to post a thread till i got to this point, but now got my statements through from the evil hbos and its actually almost a k less than my guesstimate. So copying the 'preliminary approach for repayment' from the templates library, and posting it on monday morning. My intent is to go after them in their local ie Halifax registered hq's county court as I am based in scotland and want to go after them for the full amount in 1 whack. If any jocks have done this so far can you give me a shout and offer your counsel.

 

Good luck everyone

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Mods, should this run concurrently in the Scottish group or should the thread just be in there completely?

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Well the PAR & Schedule (sans interest at 8%) is prepared and ready to post in the morning. So by my understanding next date on timetable is the 27th of september, hope someone will let me know if i am going off track.

 

Zenith

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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  • 2 weeks later...

Well almost at the 2 week deadline for the PAR, I'm away with work when the next letter should be posted. So have prepared my LBA ready for posting next wednesday (will get flatmate to check mail for any response from PAR, though i'm not holding my breath for anything of any substance).

 

Mildly nervous that I have not had any comments at all, am i doing everything right ? Taking the silence to mean that I am.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Well just got a response from halifax pooh poohing me, was fully expecting to recieve this but it does make interesting reading. Some quotes:

 

"To summarise, you are requesting the refund of any default charges applied to your account in view of the recent media coverage surrounding the subject."....Not patronising in the slightest eh.

 

"HBOS disagrees with the legal analysis of default fees outlined in the OFT's statement, published in april......At present the findings only apply to credit cards, so unfortunately, no refund of charges is due to you.".....Now if that isn't a clear indicator of the righteousness of our claims I don't know what is.

 

 

Anyway shall be sending them my LBA as a clear response. teh wording of the letter implies that a Mr Liam Pollitt now holds a file on my case so am just replying to him.

 

Chins up all

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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  • 3 weeks later...

Well i got their sttlement letter in on saturday offering £975, it really gave me the confidence that this was going to work as it was exactly what i was expecting.

 

My timetable was to submit MCOL on monday anyway (using a friends english address as I am based in Scotland). As you can see from my signature below I have now submitted MCOL and sent a settlement rejection letter saying i'll take the £975 without prejudice but i'll see you in court (I am paraphrasing).

 

so hoping to finish this off within the next 10 days or so. I now have several friends who are also at different stages of this process. Still guessing I am doing things right - but would love at least one person to say well done you are doing everything right. Good luck to you all.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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"Well done you are doing things right" .....and thats a serious comment, you are doing fine, you have it all in hand, my experience of halifax tells me you havent much longer to wait until they pay up! Keep the faith! And keep us updated!

  • Confused 1
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Hurrah, was feeling a bit lonely. Thanks shaz

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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np!! i know how it feels if you dont get a response, there are so many threads being posted some people sadly get overlooked by accident, but as your thread growns so will the interest it!! Any problems just shout!!! If I dont reply, feel free to PM me!

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Quick question: When/if HBOS fold and pay out the principle (& I argue with them for the 8%) will they also pay the court fees (£120). If not can i go after them for that?

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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£3444.19, THanks for my money back halifax.

 

MOD can you please move thread to won section.

 

Thanks for all the help and will do survey and donate when i get the cash.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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So need to go celebrate, lol.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Hi Zenith69uk

CONGRATULATIONS on your success.Now can i ask a question how did you do your claim as i see you are from Glasgow and we are also in Scotland and getting ready to apply to court as our 14 days from LBA are up today our claim is in the region of 4k dont know whether to do lots of small claims or 3 summery causes.any help greatly appreciated.We havent even had an offer from halifax so getting quite anxious.

Thanks in advance

Willmurr6

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Right 2 things.

1. I didn't get a response from them till the 11th hour. I think it was 2 days shy of the 14 days when i got my reply (which just made me say hurra, I can MCOL them early).

2. AS i was claiming for far more than the scottish small claims limit (4 and a bit times it), I went after them in the english court system. Now as there registered office is down there that is ok as long as you have a friend whose address you can use. MCOL (or claiming against them in court) is quite simple, the templates on here are great - but you are making a few assumptions:

 

a.That

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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sorry continued....

 

a.that you have an english address that you can use.

b. that you are happy to travel to england if it comes to court (hasn't happened yet that i am aware of)

 

apart from that they get you to sign your contract or terms and conditions under english law so no reason that you should'nt go after them in england.

 

the one concern that i have is that i used the the offer after lba as my judgement that this system worked, but i can guarantee that there are hundreds of folk who haven't had one.

 

I genuinely belief that the halifax are now being flooded with these cases, and are probably taking on temps like mad. I have only done one of these and the mods or site helpers can help you more than i can.

 

My advice is to follow the FAQs and the Rules of Engagement, and ask for advice if you are unsure - this site allowed me to get my cash back with no advice apart from reading the forum - HURRAH.

If you want me to advise or send you copies of what i sent to them ask me here or in a pm.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Bearing in mind that I have been out celebrating my win against the Falihax how cool and informative do i sound in those last two posts. Again thanks to everyon who has helped me with their posts/FAQs/How to pages.... means a lot to me

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Sorry just read the question again and would make the point that why do scottish small claim s and summary causes when you can do an english small claims for the whole amount - looked at it and the solution I came up with was to do an english small claims. 2 things to remember that even with all their might the banks are just shoring up their defences on this and that not everyone here has the experience to say yay or nay to anything - I went english small claims and got it paid out in 1 action, if ihad gone scottish summary cause I would be only halfway through at this point. Good luck and will watch your case with interest.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Thanks Zenith69uk for your reply i am very interested in your comments we had been thinking of the english claim as we have a friend who lives in Carlisle which is only about an hour from us so going to court wouldnt be a problem.So does that mean we can do MCOL as were told prevously you couldnt use this in Scotland.Could you please PM me the information you mentioned in your post.Hope you enjoyed your celebrations was going to say at the halifax's expense but it isn't as it your own money anyway,sorry if i seem to be rabbiting on.Again a big thanks for your help.;)

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seen that thanks shaz

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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Well money is in account, and they are only £17 short - which in my eyes is good enough (certainly for the amount of hassle it seems to be to get them to pay out this measly amount) as i paid more than this for a round of drinks to celebrate not going to get that excited by it. A word of caution for others - the MCOL i copied didn't specifically mention the refund of the SAR fee and they are taking an aggresive tone that if its not in the little totals box on the MCOL they ain't paying it. I know that we could say that it is my money etc. but in my book £3444.19 is a great return for £17 and 5 first class stamps. Good luck to you all and hope you are as hopeful with the sagas ie Zenith69uk vs ...... lol i'll keep you on tenderhooks.

Zenith Vs Halifax

 

Data Protection Act Letter Sent 16th June 2006

Halifax S.A.R - - Reply received 23rd June 2006

- Sent LBA threatening Sect 7 Action 23 Aug

- Statements arrive 8th September2006

- PAR posted 11 Sept 2006

- Halifax Reply - - No joy (shock horror)

- LBA for payment, prepared for posted on 22 Sept 2006

- Halifax reply (offering £975) in full & final settlement (dated 04/10/06)

:)MCOL Submitted & Letter posted accepting £975 without prejudice as partial settlement on 9th October

MCOL Acknowledged (6QZ71604) on 12th Ocober, deemed served by MCOL on 15th

Letter from Halifax folding on 17th October - HUrrah

I WON

 

Total of £3444.19 including interest

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