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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
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      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.

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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.

      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
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Bathgatebuyer v Halifax


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Well, I'm going after this bunch I've been with since 1994. I opened an account while I was a student in September 2004. I seem to remember at that time it was a mere £2.50 for going overdrawn or writing a rubbery cheque (an essential part of student life), whereas it's now something ridiculous I don't want to think about!

 

So, sent of my DPA letter with cheque and ID yesterday via Recorded Delivery and now I sit and wait.

 

I do have a real grumble with the Halifax as they were fine until they merged with BoS (I'm sure BoS custoemrs say the opposite!), but they have previously served their 'You will get a default unless.......' letter. One of which was issued despite me sending in a cheque to them with an account number written on it was returned with their letter 'could you tell us which account this relates to' then two days later sending the default letter!!!!

 

So, from then on it has been recorded delivery letters all the way. Taking no nonsense from them. This one will almost definitely run into thousands, so I'm perfectly happy to take this all the way. Fortunately I have a mailing address in England - courtesy of my Uncle - and can go through Moneyclaim rather than the Scottish Courts.

 

Either way, I want my rightful dues back after the past 6 years of sleepless night, etc, caused largely by their excessive charges.

 

Up the revolution!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Certainly sounds about right going by the charges I have to face. Think they've got to be one of the highest, and unlike so many other banks and institutions, they have failed to amend their charges to a more reasonable level.

 

Another grump about them coming up - one month on contract working, my employers forgot to sign and send my form for payment, so I missed all 13 direct debits. Thinking this was going to happen, my local branch said 'tough, can't do anything about it', then suddenly changed their minds when they noticed my savings account which had tens of thousands in it while waiting to go into my new mortgage account. Suddenly they couldn't be nicer.

 

Make no mistake, charges are designed solely to shaft the poor guy at the bottom of the tree who has maybe done nothing more than fall on hard times, become ill, divorced, changed job, etc, etc. We stop becoming customers at that point, but an opportunity.

 

Thanks to this website for realising that we don't have to be just money making oppporunities with them anymore and that they will have to start to listen to us.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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I know what you mean! I was working full time, and I had a full account, overdraft, cheque book etc. When I dropped my hours to part time after coming back from maternity leave I started getting charges as I wasnt earning as much. Well after that they downgraded my account to a basic one. I still get cheque books but no card and I still have my overdraft facility but no other perks!

 

I have been working full time for the past 3 years now and I have my wages and Tax Credits and Child Benefit all paid into my account and they still wont give me a full account. Everytime I go to the cashiers I get hassled by them to make an appointment to get my account upgraded. Even when I say to them "You wont give me one I keep trying" they still want me to have an appointment. But it is wasting my time as they wont give me one. Grrrrrr

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Grrrrrrrrrr. Two phone calls in two days from these people. "You're over your overdraft limit" - yes and the account is in dispute. The person yesterday said they were putting the account on hold. "Well they didn't - so can you pay". Eventually they said they would put it on hold for a week which is apparently all they can do. Told her fine, any other charges, etc, etc inflicted would merely add to the amount they have to pay me when it gets to court along with the interest. And the sad thing is, I mean it. For once, speaking to the Bank, I actually felt empowered.

 

I reckon they owe me thousands. And interest.

 

They don't frighten me anymore.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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  • 2 weeks later...

More pestering calls from the Halifax asking me to resolve my overdraft issues and not willing to put matters on hold while our dispute is resolved.

 

Oh well, looks like another letter of complaint going to them.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Dont let them get you down, that is what you want. My deadline for the first letter has expired and yesterday I got a reply from them. They are offering me £450 as full and final settlement. Works out to be 1/5 of what I am claiming. No thanks! They also said that they would close my account if it wasnt being run in a fit state (something along those lines). You mean you are going to close my account because you keep charging me and bouncing my DD's and you are making a fortune out of me, yeah, right!

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  • 2 weeks later...

Another threatening letter from the Halifax :rolleyes: and another 2 phone calls yesterday, and one more today :mad:

 

Despite the fact that the account is in dispute, and that I have phoned them before, and that I have responded to their calls, and that I have faxed a response to their letters, and that I have written to them on several occasions......................................they persist in making daft phone calls while I ahve previousy advised that their account is in dispute.

 

It is beyond predictable and has now just become boring.

 

I did advise the caller today that the course of action as becoming harassment because of the extent of the contact. I couldn't quite remember the name of the legislation to quote, but hey, I think I got my point across, "I WILL be pursuing legal action you for your charging regime over the past 6 years (I'm using the English court), and I believe that you owe me between 4 and 5 thousand pounds. So continued calls about £60 beyond my overdraft is a joke while I'm still awaiting a reponse to my recorded delivery letter of early Sept".

 

At present the account has been put on hold, and hopefully that will stop the calls in the meantime. But I am fed up of these direct diallers phoning me up and annoying me and everyone else at work.

 

When I defeat those Evil forces of Darkness at Trinity Road and get all that lovely wonga back, I will be treating myself to a fancy phone that plays a tacky muzak version of 'Sexbomb' or 'Who let the dogs out' while I leave Banks and other organisations on the end wonder when the hell a human will answer.

 

Press 1 for more tacky advertising jingles

Press 2 for some more options and more patronising jingles.

Press 3 for another menu with a long silence and no other options to get out of the present call loop hell

Press 4 to speak to a patronsing person.

 

:evil: Repeat, "I will not allow these people to bug me anymore...........I will not allow these people to bug me anymore......................"

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Oooooooh, my mantra may have worked! Today came an offer for just over £1000 but no statements :confused: Anyhow, it transpires that there's over £3000 worth of charges on the account since 2003 (Apparently I was a good girl before that - ties in with the time of my redundancy), so I think I'll wait to see the list of charges coming through (should be Monday or Tuesday) and then decide where to take this from here.

 

"I will not let these people bug me anymore.................."

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hmm its funny i actually worked in the post room and in the claims center at trinity road as a summer job until a few weeks ago and i must say there are a lot of incompetent, lazy, underpaid contract workers there. At the moment im trying to get back £67 in charges but im not hopefull that my complaint will be processed quicly, yet alone reach its destination.

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And another phone call at Sunday lunchtime from the Halifax!!!! "You're beyond your overdraft limit can you make a payment today?", that less than 24 hours after another part of the Halifax offered me over £1000 to settle.

 

DO THEY NEVER BLOODY LISTEN?! How many times do you have to write, fax, phone, etc....................

 

"Could you phone Customer Services and ask them to give Collections a call about this?" No. I have a dispute with the Halifax - not the Customer Services Team, but the Halifax as a whole. You blinking well phone them.

 

Complaint being sent today. It will result in sod all but it will make me at least relay the strength of my feeling to them.

 

"I will not let these people bug me any bloody more"

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi Bathgate Buyer,

 

I am about to pursue the Halifax for £4600.

I intend to go use the 'Summarry Cause' court for three claims of just under £1500 and a 4th through the small claims court.

Can I submit all 4 claims simultaneously, or must I submit each claim one at a time?

I have my preliminary request letters ready and I'm about to deliver them by hand at my branch.

 

Your advice would be greatly appreciated.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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:eek: No way!!! I'm not changing my 11 yr old phone number because one department of the Halifax doesn't speak to the other. If anything, they've just made me even more determined to take them to court for the full extent of the charges.

 

I have, however, registered a complaint with the Telephone Preference Service today about the number of calls they have made which rings once or twice before hanging up, and am shortly to prepare a complaint to HBoS themselves.

 

They are making me angry, and definitely taking them all the way now.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi - not sure how to deal with it! I've yet to decide whether to use the English or Scottish Courts system. Moneyclaim seems a good system, and I do have an address in England I can use, however, the convenience of using Edinburgh Sheriff Court is not something to be sniffed at, so I may be following the same course as you in pursuing this via our own legal system.

 

It will be good training for me as I'm now in 2nd year of a Law degree so consider it valuable experience. Something I pointed out the the Halifax when they phoned.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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You won't be short of thesis material then!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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I have now sent my last 14 days "gie's ma' money back or ah'll see you in court" letter on 11th October - they received it on 12th October 06 (the joys of Track and Trace!), so let's just wait and see what happens next!

 

If I get nothing back by a week tomorrow it's Moneyclaim for me :rolleyes: How exciting, my first MCOL!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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And a wee response from their Customer Services Team today telling me that they have made an offer to sell and will not make any further offers. They also suggest I complain to the Financial Ombudsman :rolleyes: But given that it will cost them money, I just might!

 

If they think a 'that's our final offer' will suffice, then they are diddies. In one week, I lodge my claim. Let's see if that changes their mind.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Go get em!!

I hope you nail them.

It is very satisfying to visit this website and see that joe public is not as impotent as the financial institutions woul like us to be.

This backlash is way overdue.

Once I have settled my claims - there will be many - I will take control of my finances by paying bills either by cash or standing order.

I used to do this but allowed myself to be bullied by banks into using Direct Debit. They then withdraw money from your account(s) at a time of their choosing, not when you buget for it.

It is definitely time to take control.

This just relinquishes control to them.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Recieved a response to my complaint about the persistant phone calls, part of which says:

 

"I would advise that the Halifax does comply with OFTEL guidelines when contacting customers for payment of arrears. OFTEL and Halifax believe that it is acceptable to call customers at 8 am any day of the week including Saturday and Sunday".

 

That's good of them. What about the 10 or so calls each day which ring 2 or 3 times then cut off because they use automated diallers?

 

Ach, that's annoyed me. It's off to raise this with my MP I go!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi Again,

Well spent a very happy six hours going back over six years worth of bank statements and logging them on to check interest amounts. Wot fun. I have now got everything together and will post off today my first letter. Will let you know responses as and when. It is interesting to note that things only really got bad when BOS and the computer took over and carried on working all through the weekend. I used to go down to pay in cash/cheques in the machine outside only to find it was out of order. It's even worse now they (the Halifax) say that if I use my card on the internet, the floor limit of the company I am buying from may be £50 before they check with the Halifax for clearance. This has resulted in a lot of my charges over the last year. I think this is also an unethical way of making huge amounts of money out of unsuspecting people. If you click to pay for something on the internet, and it is allowed, this may not mean you have the money available. They are allowing it and will finally claim it from the bank by which time you may go over your limit and incur more charges. The Halifax says it is not their fault! They give these companies the limits don't they. :rolleyes:

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Think I'll definitely be sending off a copy of the OFT harassment complaint form! Ah.............looks like such a busy weekend!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Righto - preparing my N1 form.

 

Can anyone help me with my 'Brief Details of Claim'?? What should I put in that section? Ok for the Particulars of Claim section, but a bit unsure for the first part.

 

Ta' in advance!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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