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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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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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