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    • @defender90 welcome to the forum and it's very interesting news that new say that you have evidence. Any chance that you might start your own thread and tell your story there. We may be able to offer you help – but more importantly, the more threads there are with the name and the business name et cetera in the title, the more likely that Google is going to pick it up and that may attract others. Would like very much to know what the evidence is that you have 
    • Bum deal on Covid tests   https://www.euroweeklynews.com/2021/01/27/bum-deal-chinese-health-authorities-begin-anal-covid-swabs/
    • Hi guys.   Ok - so since I was last here I have set up a new basic bank account, which my salary and priority dd's will come out of from March.   Just wanted an opinion on a couple of thoughts I've had -   1) I have just agreed with my mortgage provider a 3 month covid payment holiday, which will help for the short term - however, I have an overdraft is with this bank. Am I causing a problem if I contact them now about my financial situation, or should I leave it until the holiday ends?   2) My salary has recently come down, which is a contributing factor to my plight - However, my income over the last few months will not reflect this. On my budget sheet, I have put in the new ongoing i and e.  Is my bank likely to turn down my request of freezing interest etc. on this basis? They can see what has been coming in and going out. I'm concerned they'll think I've been creative with my income sheet?! Or can I simply refer to this new situation in the pro-rata letters?   Thanks again.   A  
    • Hello Taxhelper   Thanks again . Your so kind and Im very grateful.   I am about to submit the form in the next few hours. Before clicking the submit button there is a calculation page that has been generated by the site based on the info I provided ( income from PAYe and income from self employment etc...with all expenses deducted). their calcs are correct.   The figures are correct and I do owe them a sum as well as 1st payment on account for 20-21. I just am not sure I can pay the lot by 31/1/2021 because I did not anticipate that the hospital may not be able to pay me on time ( my jan pay). Thats because I did submit my 'timesheet' to the HR on time but they delayed processing it in time for it to be paid by the end of this month. They have said they have asked for an exceptional CHAPS payment to be made but I remain uncertain whether they will pay it into my account by then or not. thats why i wasnt sure if its best to call HMRC and give them the heads up or not.  
    • Current account switching continued to bounce back in the last three months of 2020 as customers took advantage of three-figure switching bonuses from Britain's biggest banks. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Wils V Halifax ** WON **


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Hello everyone, I've just discovered this site and am telling all my friends about it. I've just posted the SAR to Halifax this morning. I'll keep you all updated. Barclaycard and AbbeyNational next!!!

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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Hello everyone, I've just discovered this site and am telling all my friends about it. I've just posted the S.A.R - (Subject Access Request) to Halifax this morning. I'll keep you all updated. Barclaycard and AbbeyNational next!!!

 

good luck:D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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  • 2 weeks later...

I've used Royal Mail's track and trace, SAR delivered on Mon 18th Sept. Ive been through all the faqs but wanted to ask do i count the 40 days from this day or from when they cash my cheque? (It hasnt been cashed yet)

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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Date of receipt (as long as you provided the fee).

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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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 2 weeks later...

My cheque to them was cashed last week but haven't received anything so far hmmm...

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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  • 4 weeks later...

Statements received this morning, £327.95 in charges. I've missed the post office so Preliminary request will be sent out on Monday.

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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  • 3 weeks later...

Just an acknowledgement letter received last week and nothing else so far. L.B.A will be sent tommorow.

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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  • 2 weeks later...

Letter from halifax this morning offering £155 as a full and final settlement, won't bother replying as l.b.a was sent last week, mcol this wednesday!

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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Claim filed with Mcol today

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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  • 3 weeks later...

They've settled £337.95 plus interest £56.03 and my costs £50 total £443.98. Naturally it is a gesture of goodwill and without any admission of liability :rolleyes: .Credited to my account today just in time for xmas yippee!!! Mods please change the title of this thread to settled, couldnt have done it without all the advice on these forums. I will definately donate.

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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Halifax acknowledged the claim then paid up!! Im sure they will offer to settle with you by the end of the week :)

 

Can I just ask did Halifax acknowledge your claim? We sent MCOL a week yesterday and have just received notice today that acknowledgement of service has been filed and they intend to defend.:eek:

Barclaycard

S.A.R sent 27th Sep

Partial Statements (Microfiche etc) received 5th Oct

Preliminary Request (Estimated Charges £864) Sent 11th Oct

L.B.A (Data Protection Act) Sent 12th oct

£288 Offered 18th Oct

Letter Before Action Sent 27th October

MCOL 10th November

Claim Acknowledged 29th November

Court Date Set for 27th April

 

Captial One

S.A.R sent 27th Sep

L.B.A (Data Protection Act) Sent 4th November

Preliminary Request for £633 and removal of default sent 22 November

L.B.A Sent 12th December

N1 Filed 25th Janaury

 

 

Halifax

S.A.R sent 11th Sep

Preliminary Request for £327.95 sent 30th Oct

L.B.A sent 15th November

MCOL 29th November

Settled - £443.98 14th December

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  • 5 months later...
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