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    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Standard reply from the Halifax


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Hi Guys

 

Just received a very standard letter of reply AND the obligitory leaflet from the Halifax regarding my request for repayment of charges (£2005.56).

 

I sent my initial request to Trinity Street, Halifax on 23 March, giving them 14 days to respond.

 

This morning's reply comes from:

 

Helen Jones

Customer Care Manager

PO Box 548

LEEDS

LS1 1WU

 

As they have responded, albeit very bog standard, within the 14 day deadline I stated, do I wait for Miss/Mrs or Ms Jones to contact me as she has said in the letter or do I now send in the Letter before Action?

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The banks are continually using delaying tactics such as, "we will investigate and get back to you in x number of days". Don't be taken in by this - you set the timetable. If you have set them 14 days in which to respond, and they fail to do that, then go to the next stage.

 

 

 

 

 

 

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Another update...and a question lol!

 

This mornings post brought me two letters from the Halifax informing me of two more charges which have only just been applied. I had forgotten there was one charge of £28 to come out at the end of March as I ordered my six years of statements from 21 March back if you see what I mean. (a*se) Anyway, the bank have taken their bit (as usual) and that has pushed me overdrawn by £12, for which, you guessed it, I'm going to be charged another £30!

 

Can I re-adjust the original figure I calculated to take those two charges into consideration?

 

I've just completed the spreadsheet, and have prepared my letter before action...I'm all set to send it today, I've decided I'm wasting no more bluddy time!

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Guest blindman
Can I re-adjust the original figure I calculated to take those two charges into consideration?

 

I don't see why not, they seem to ignore any figures (and contents of the letter).

 

I would say that the only time you need to be accurate is when you file a claim.

 

Having said that I filed for £514.74 instead of £541.74 :oops:

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Thanks Hunni

 

I've done the spreadsheet now so that I can be 100% sure of the figure they owe, so the end figure I have today is the one I will be using on the claim.

 

I can't wait lol

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hmmm good question!

 

Maybe some lovely knowledgable person will come to my rescue here lol...I just searched everywhere to find out about that with no luck!

 

I 'think' not, but then I could be horribly wrong lol

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Hi, just being nosy as usual.

I was advised to send the spreadsheet with the letter demanding your money back. Just keep a copy for yourself.

Hope this helps.

Loll

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Quick Update Guys...

 

My partner took a phone message early this morning from 'Gillian' at Customer Relations, I wasn't available at the time to take the call, so called I them back just a few minutes ago but she wasn't available (she was at lunch apparently) the chap I spoke to didn't know/wasn't familiar of my case but felt that an offer of reimbursment of some fees as a 'gesture of goodwill' was the reason for her call. Anyway, he pulled up my details and then said she (Gillian) was calling to offer me £239.00...I simply said the offer was unacceptable! (my claim is for £2,139.31 including interest)

 

At that point he said that they would have to call me back and may or may not be able to increase the offer.

 

I'm determined to hold my nerve and stay calm!!

 

I'll update again soon....

 

 

01422 333465 for anyone who wants to call Customer Relations directly

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Further update..

 

Just taken another call from Customer Relations, the bank have taken into consideration my rejection of their initial offer of £239 and are now prepared to offer a maximum of £460 as full and final settlement...naturally I said no, this figure was unacceptable and nowhere near the actual amount outstanding.

 

I was asked if I had an overdraft facility on the account, I said I hadn't but it wasn't for the lack of asking. I went on to say that I had made several requests in the past for a minimum of a £50 overdraft to help the situation when direct debits etc are taken out just before my pay was paid in...thinking about that, I wonder would it be in my favour to mention this should we end up in court?

 

They are writing to me outlining their 'final' offer....I shall acknowledge their letter when it arrives, then I shall stick to my guns and proceed with a claim through the courts.

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and......another quick update!

 

Took me ages to get the particulars of the claim down to below the 1080 characters & only 24 lines...I really wanted to say so much!

 

Anyway, my claim has been filed, now all I can do is wait....which will probably be the hardest part!

 

CLaim No 6QZ25363

 

Amount Claimed £1,808.00

Interest 333.31

Court Costs 120.00

 

Total Claim £2,259.31

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Just having a quick read through your thread to see how things are going for you - one question (I've read everything in here so many times I'm confusing myself now!!) did you send the spreadsheet with your LBA? I'm going to send mine tomorrow as I should have my written offer by then which I'm going to decline. I haven't done the spreadsheet yet as I'm not sure when it should go...

laura

 

DPA sent to Halifax 7th March

Request for Repayment sent 5th April £407

Offer of £238 received 21st April

Acceptance of offer but not as FFS & LBA sent 21st April

Papers taken to Sheriff Court 15th May - hearing set for 11th August

SETTLED 9TH JUNE £407 + £39 EXPENSES :)

 

Request for Repayment of charges sent to GE money (Monsoon) sent 28th April

LBA sent 12th May

Called GE Money who denied receiving any correspondence, cheque should be sent out in the next 7 days...

Cheque received 7th June

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Hi Laura

 

No, I didn't send it with the LBA, I thought AFTER I had posted it that perhaps I should have lol...the bank haven't asked/didn't ask for a copy.... so I'm hanging to it on now until such time as I may or not (fingers crossed) have to produce it in court.

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Thanks Redbird and good luck!

 

My LBA should be going in the post this weekend if my written offer has been sent in the post as they promised. In the meantime I'm going to spend the weekend counting up the charges they've hit my boyfriend with over the years (£350 last month alone)!!!

laura

 

DPA sent to Halifax 7th March

Request for Repayment sent 5th April £407

Offer of £238 received 21st April

Acceptance of offer but not as FFS & LBA sent 21st April

Papers taken to Sheriff Court 15th May - hearing set for 11th August

SETTLED 9TH JUNE £407 + £39 EXPENSES :)

 

Request for Repayment of charges sent to GE money (Monsoon) sent 28th April

LBA sent 12th May

Called GE Money who denied receiving any correspondence, cheque should be sent out in the next 7 days...

Cheque received 7th June

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  • 2 weeks later...

Any update redbird?

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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  • 2 weeks later...

WoooooHoooooo! *is dancing around like a thing possessed*

 

The full amount of £2,261.31!! I'm so chuffed I can't even begin to tell you!

 

a snippet from the letter I have just received......

 

'as previously advised, it will cost Halifax money to defend your claim and thus on a purely commercial basis Halifax is willing to reimburse the full amount claimed of £2,261.31.

 

I have arranged for £2,261.31 to be refunded to your account.'

 

The letter is signed by Rachel Hinchcliff - Litigation Solicitor Legal Services - Retail Division, Trinity Road, Halifax HX1 2RG

 

Thanks again you guys....a donation to your book fund is on it's way!

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:D Redbird that is great news! :D great encouragement to the rest of us!

:) 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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  • 12 years later...

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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Please

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