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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

simonthebrewer V Halifax SETTLED IN FULL

simonthebrewer
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simonthebrewer

simonthebrewer

Posted
Posted

Brilliant forum guys.

 

I spoke to a supervisor at halifax direct yesterday and asked her to justify the £39 charge for paying a cheque with insufficient funds in the account. She told me it was a "service charge"! So out of frustration I asked her to break the "service charge" down - coz if they want to call that a "service" quite frankly its one a can do without. Not suprisingly she became all toungue tied and had to ask other departments and she'd get back to me. After 24 hours of asking - she told me that there was no break down - which i think speaks volumes. She did asure me however that the charge was competative and in line with the rest of the high st banks and BS. After a bit of digging myself I found this to be untrue.

After asking for my last 6 years statements (she did'nt think they went back that far) the cheeky mare asked me what i wanted them for! But she did'nt seem suprised when i told her that I intended claiming back all my charges.

 

Is it now the case that these people know that these charges are uninforcable but still refuse to issue a refund when challanged?

 

Also is there any way to claim back any charges incured between me makeing my claim and settlement of it or do we need to go through the whole process again, because theres another one coming at the end of april?! I cant find the answer to this in the FAQ's.

 

Keep up the good work ladies and gents and i'll keep you informed of my progress.

 

Good luck all.

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BankFodder

BankFodder

Posted
Posted

You can add any further charges levied between the time you start writing and the time that you issue your court action to your claim at that time. If they settle then they will settle the amount of the court claim. If they apply further charges to you after you have issued the claim then you can amend the claim but this is a bit tedious. If they settle your claim in full then accept it of course but inform them that there is now an additional sum outstanding and they can either choose to go down the same road again with you or they can fork out now. Give them 14 days to do that - then another 14 day LBA.

I expect that they will start to get the picture.

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chipsandsausages

chipsandsausages

Posted
Posted

That kinda happened to me too. I have just asked them to return the £1413.25 they stole from my account, and have, this week, had a letter stating they will be taking a further £30 plus an extra £28 at the end of the month for honouring a transaction of £14.99 which caused me to go over for 2 days.

 

I rang and asked them to refund it, which they declined, as they had "already refunded one charge as a goodwill gesture in the last couple of months..."

 

I have sent a further letter to my branch, adding the £58 charge to the £1413.25 and reminding them that the clock is ticking.

 

Hope this is the right thing to do. Good luck mate.

 

x

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simonthebrewer

simonthebrewer

Posted
  • Author
Posted

Got my 36 envolopes in the post today (shame it were'nt my birthday!) and i've worked out so far that Hellifax owe me over £1300 - at least - for the last 6 years. I say at least because whilst reading the statements i noticed that there were sometimes 3 months at a time where they were'nt itemised. You know when you use your debit card in, for instance, Sainsbury's it will say where you've used it i.e £15 -- Debit Card -- Sainsbury's. And i found loads of un-itemised debit card transactions for £30 and £35 - standard charges for the buggers. Is this the banks way of disguising the charges? Or is it just me being greedy? Coz surely they know what we're up to when we ask for 6 years worth of statements. Has anyone else had this problem?

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chipsandsausages

chipsandsausages

Posted
Posted

Can't say I noticed any unitemised debit transactions, but I did notice two entries that said "account renewal" - what the hell is that?

 

My claim has gone from 1413.25 to 1471.25 in a few days and is about to go up again to 1510.25 when they write to tell me that all the charges they have slapped on me this month have used up all my council tax money - which meant is wasn't paid today, so I'll be in trouble with the council now too!

 

GGGRRRRRR!!!!!

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KGutteridgeUK

KGutteridgeUK

Posted
Posted

The council tax - did the same to me this month - don't you just love it when you forget they start again in April?

 

I've had over £120 in charges this month and can't wait to get the full figure (in a separate thread).

 

Keep going..................

 

Kim

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  • 1 month later...
jonni2bad

jonni2bad

Posted
Posted

There is a calculation in the FAQ section - please don't hijack threads!

..

.

 

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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rbrears

rbrears

Posted
Posted

Apparently yes. It must be some form of cyber self abuse - you want to get that seen to mate :)

 

As to the daiy rate - just multiply the claim amount by 8% then divide the figure you get by 365 and theres your daily rate

 

Best of luck with your claim :)

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jonni2bad

jonni2bad

Posted
Posted
can you hijack your own thread??

 

Just testing - and congratulations - you passed :D

 

Taken from the FAQs

 

"0.00022 X the amount of your claim – this gives you the daily rate of interest."

 

John

..

.

 

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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  • 2 weeks later...
simonthebrewer

simonthebrewer

Posted
  • Author
Posted

RESULT!!

The Hellifax have agreed today to repay £1,756.22 that i was claiming for.

I got a letter from court saying that they were going to defend the claim against them. Then 2 days later (today) i get a letter offering me the amount in full!

They made a point of informing me that they weren't admitting liability and that the reason to settle was "on a purely commercial basis, it will cost Halifax money to defend the claim in terms of the legal costs that will be incurred." I dont think it would cost any where nere £1,700 to defend, so i AM takeing that as an admission of liability!

They also made the point of imforming me that my banking facilities may be withdrawn if i incur any charges in the future. Plenty more fish in the sea!

And plenty more claims to make. Starting on the Abbey now.

Im about to make a donation to this site, i would urge anyone who has been succesful with their claims to do the same coz this site was our inspiration and we would have got nowhere without it. I'll get down off my soap box now!

 

Good luck all.

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mechs

mechs

Posted
Posted
:D Congratulations Simon ... wonderful news! I won't say 'good luck' with your further claims as we all know you will get them!

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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jonni2bad

jonni2bad

Posted
Posted

CONGRATULATIONS

This is great news, well done.

 

Would you please fill out our survey - HERE

 

Thank you for offering to donate - we won't survive without it

 

(5%? cough cough)

..

.

 

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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gordonhall

gordonhall

Posted
Posted

Well done matey. An encouragement to everyone!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

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

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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thewifeandI

thewifeandI

Posted
Posted
RESULT!!

The Hellifax have agreed today to repay £1,756.22 that i was claiming for.

I got a letter from court saying that they were going to defend the claim against them. Then 2 days later (today) i get a letter offering me the amount in full!

They made a point of informing me that they weren't admitting liability and that the reason to settle was "on a purely commercial basis, it will cost Halifax money to defend the claim in terms of the legal costs that will be incurred." I dont think it would cost any where nere £1,700 to defend, so i AM takeing that as an admission of liability!

 

How long are the banks going to use this excuse? They must have paid out well over £1M by now - £566K declared on this site alone. Surely if their case was valid it would have cost them far less to defend one of the larger cases to stop the tidal flow that is now engulfing them! :D:D:D

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

DONATE - Support this site, it supported you!

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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  • 12 years later...
simonthebrewer

simonthebrewer

Posted
  • Author
Posted

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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