Jump to content


  • Tweets

  • Posts

    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Halifax OD - what can I do please? They refuse to stop charges or make arrangement


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4279 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Not technically correct Huggy, they have part V exemptions, and there are a lot of threads on here which give advice about O/D and your rights to information regarding them, it is somewhat laborious though, so have a bottle of wine or full kettle to hand!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I was going to post this yesterday, but got side tracked, but better late than never!

 

We have 2 accounts with Halifax, both with O/D's and we got into a mess with them when we went over and they started lumping the charges on.

 

Our first port of call was the branch manager, we wrote and tried to claim back all of the charges under the hardship rule, didn't use a template or anything, just a basic letter pointing out the mess we were in and asking for help. The branch manager couldn't help so passed the letters further up the chain to customer relations.

 

We DID NOT get ALL the charges back, but they did refund all charges applied from the date we started to get into trouble (the charges for going over our OD limit) and also credited our monthly fees back as one of the accounts was a rewards account.

 

We have had all charges frozen and are paying back what we owe at an amount we can afford. This was not as easy as it sounds as we refused to give an I/E and at first they were digging their heels in, but a really nice guy from customer relations helped to sort it without an I/E.

 

 

It has not all been plain sailing, the computer keeps cancelling our repayment plan (possibly because of no I/E), but when we get a letter demanding full payment we ring customer relations and they sort it out.

 

I will PM the OP with the name and telephone number of the guy who has helped us. Sorry for not posting his details here but I would rather he didn't get bombarded with calls.

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

Link to post
Share on other sites

  • 3 months later...

Hi all,

Hfax have responded to my letters!

 

I requested a copy of our agreement, they didn't answer but cashed my p.o. so I raised an account in default and my complaint has finally been answered 4 months later. I seem to have woken them up a bit and they have taken the charges off at least.

 

I have posted my complaint letter and their response for interest and look forward to any comments / advice.

 

KSCN_3032012_145233.pdf

copy complaint to Hfax 03-12.pdf

Rocky

Link to post
Share on other sites

What a load of tripe....give with one hand and insist they are in the right..!

 

Good to see that you have been able to get the unenforceable charges/fees back, they wouldn't be able to claim these fees anyhow.

 

I am still extremely dismayed to read that they totally believe they are all above board and correct.

 

"You have given no valid reason for the dispute" ?? er hello, I'm the customer here, so if I say it is in dispute it ruddy well is, you dance to my tune sunshine not the other way round!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Rocky is cross.

 

I have written to Hafilax restating my complaints that they have not answered i.e not replying to my letters, not supplying an agreement, no response to why they took no action for months, just piled charges on etc.

 

We shall see how they respond.

Rocky

Link to post
Share on other sites

Don't hold your breath....just give them the bad publicity they deserve, vote with your feet.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 5 weeks later...

Hi all,

 

They have replied, here is a precis:

 

Thank you for taking the time to contact us further ..... I'm concerned to hear about what's happened. I have been unable to call you as you requested responses in writing. Please accept my apologies for any inconvenience caused. (Ha)

 

I am sorry that you feel we were not sympathetic to your financial difficulties. We have attempted to contact you on several occasions to help you, however,as yet you have not responded.

 

Your account is closed and passed to Moorcrap, please contact them direct...

 

You state that you requested a copy of the agreement and paid £1 into your account. (No you paid my p.o. in) I am unable to identify exactly what you had requested (not my fault.I sent you a copy of my request which you have received), however we did not cash the £1 you paid in, the funds were credited to your account.

I can't find your previous complaints. (so? - nothing else to say?)

 

In regard to CCA.. the overdraft doesn't have a credit agreement, however you will have signed the terms and conditions when your account was opened. Unfortunately due to the length of time, I have been unable to obtain a copy.

 

Any change in the T&Cs supersedes the one you signed. As I am sure that you will be aware, you have benefited from the overdraft and therefore have to pay it back.

I am very keen that I have resolved your complaint fairly.

 

Copy of current terms and conditions enclosed.

 

Bull**** or what?

 

What due you think?

Rocky

Link to post
Share on other sites

I love this statement: "you have benefited from the overdraft". Not half as much as them and their charges.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

I'm sorry to say on this point the bank is right,

a ''letter of acceptance'' with Ts and Cs is produced

on the inception of an overdraft facility.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Come on Brig, shallowfax are my favourite bank to lock horns with, don't let them get off so easy!

 

IMO this isn't over by a long chalk, yes OD's are not subject to the CCA, but they only have part V exemptions, they still need to supply you with the agreement they gave you in order for them to allow you to have an OD.

 

That single sentence "Unfortunately due to the length of time, I have been unable to obtain a copy." to me is IMO the same as a CCA request whereby they respond with the same comment. Is it not? ie. that the reaction to that comment is "put up or shut up".....?...?

 

Besides that, how much of the OD is charges?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

o/d's can become subject to the cc act as running credit. the act itself provides examples. even the requirement for a def notice could then be applicable ie 'if by reason of any breach....etc'.

o/d's since the consumer credit directives require a proper cca 'agreement' and would be subject to a cca request.

prior, an o/d facility letter at the time containing the o/d terms may suffice. they would need to have claimed the exemption.

Edited by Ford
Link to post
Share on other sites

See the legal forum where someone just won in court against NatWest with an overdraft. Great thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=241052&goto=newpost

 

and, this is the 'determination' referred to/relied on there?

THE DETERMINATION:

 

The Determination (which is signed by the Director of Fair Trading) is made under section 74(3) of the Act. I set it out in full:

 

"1. Under the powers conferred upon me by s.74(3) and (3A) and s.133 of the Consumer Credit 1974, I, the Director General, being satisfied that it would not be against the public interest to do so, hereby revoke with effect from 1st February 1990 the Determination made by me in respect of Section 74(1)(b) and dated 3 November 1983 and now determine that with effect from 1st February 1990 Section 74(1)(b) shall apply to every debtor-creditor agreement enabling the debtor to overdraw on a current account, under which the creditor is a bank.

2. This Determination is made subject to the following conditions:-

(a) that the creditor shall have informed my Office in writing of his general intention to enter into agreements to which the Determination will apply;

(b) that where there is an agreement between a creditor and a debtor for the granting of credit in the form of an advance on a current account, the debtor shall be informed at the time or before the agreement is concluded:

- of the credit limit, if any,

- of the annual rate of interest and the charges applicable from the time the agreement is concluded and the conditions under which these may be amended,

- of the procedure for terminating the agreement;

and this information shall be confirmed in writing.

© that where a debtor overdraws his current account with the tacit agreement of the creditor and that account remains overdrawn for more than 3 months, the creditor must inform the debtor in writing not later than 7 days after the end of that 3 month period of the annual rate of interest and charges applicable.

3. In this Determination the terms 'creditor' and 'debtor' shall have the meanings assigned to them respectively by Section 189 of [the Act]. The term 'bank' includes the Bank of England and banks within the meaning of the Bankers' Books Evidence Act 1879 as amended."

Edited by Ford
Link to post
Share on other sites

  • 2 weeks later...

Hi all,

I have written to Hafilax asking for responses to my complaints and providing boxes against each point for their answers!

 

I have also thanked them for their "Getting Started" booklet with account T&Cs and stated that "as it is not a true copy of any agreement, as requested, then I suggest that is is therefore unenforceable".

 

What do you think? :?:

 

Still getting litigation threats from Moorcrap.

Rocky

Link to post
Share on other sites

Still getting litigation threats from Moorcrap.

 

And that is all they will ever be, "threats", Moorcr@p couldn't run a bath let alone be successful in their corrupt industry.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 3 months later...

Hi folks,

Interesting challenge from hafilax, who are chasing this one through Wastecot.

 

"In addition, you believe that we are acting unlawfully by allowing our recovery agents to visit your property. I must assure you that we act within the law and they will call your property if they are unable to make contact in regards to the debt outstanding."

 

Also:

"In order to clarify the dispute you hold in regards to the Consumer Credit Act, I must advise that this Act covers products with a credit agreement, for example credit cards. Overdrafts are not covered under such an agreement therefore we are under no legal obligation to provide you with a copy of your true agreement."

 

Hafilax customer services

 

Apparently their final reply was 2nd March so "You have 6 months from this date to complain to FOS". ie September 2nd? letter was dated 30th August and received 8th September. I thought this was ongoing. The March letter says "Hafilax will not enter into further correspondence with you in regards to this matter", but they have, so have I missed the deadline or not?

 

Life goes on. Feeling a bit stronger. Grateful for all CAG help.

 

Cheers,

Rocky

Link to post
Share on other sites

Yes OD are not covered by the CCA per se, they have part V exemptions, but there will still be some sort of formal arrangement between you and the bank.

 

However, how much of this OD is inflated by their fees and charges?

Ever thought about reclaiming them?

 

So is this the same account that Moorcr@p had?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

An Acknoledgment and or acceptance of the facility is usually written uo.

Of course the recovery agents CAN call but you do not have to let them on your property

or talk to them.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi,

This is the same account that Morecrap were chasing, and when it was passed to Wastecot I sent a dispute letter which was passed to Hafilax, hence their reply.

 

Hafilax formally closed the account in April, and passed it to Morecrap.

 

I will remind Wastecoat of the response that they will get if they call at our property.

 

Cheers,

Rocky

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...