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    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.   IMG_1475.pdf IMG_1476.pdf IMG_1477.pdf
    • Please will you upload your documents in PDF format in future. It is unhelpful to have them in word format and also word documents will carry personal details relating to you and your computer.
    • Thanks for letting us know that you had a conversation with someone – I sort of imagined that you might tell us what the conversation was – who said what to whom…
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hwild v Halifax


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Hi,

 

Firstly this is fantastic! our banks have made me and my boyfriends lives a misery for years. We had always tried asking th banks for refunds - even when we could not afford the rent and they would always refuse! They don't give a s**t! I am determined to do this - i'l admit i am a bit nervous but when we were looking at the information sheets we got very excited. My boyfriend has been charged excessive amounts by Barclays over the years and Halifax have chrged me up to £800 in less than a year!

 

My friend told me about all this and she is studying law so i think she will be able to help me if things get complicated.

 

I will keep every one updated. Can't wait...Just 1 thing can any 1 confirm where i post my initial letter too?

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi everyone,

 

I am fairly new to this forum, i'v been havin a good old read and posted a few threads. Yesterday i sent my DPA letter off, my boyfriend has also sent one off to (Barclays), so i will keep u posted on how its going.

 

This site is absolutely brilliant. We have suffered really badly from banks charging us. On more than one occasion we have been unable to pay the rent simply because of charges. What angers me is how can they justify charging £30 for going overdrawn by £1.25????? How do these a** holes sleep @ night?

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi

 

All the best with both of your claims. Please keep us informed of your progress, and remember that we are all in this together.

 

If you meet any problems, or have questions that are not answered elsewhere (and most have been), please post them to the forum.

 

 

 

 

 

 

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Please guys help me I am just new to this forum.Where can I get this DPA letter.If any one has a copy please may you send me a copyplease.

 

Please can you post to a new thread. It helps people to follow your case - and enables us to give you a quicker response to questions. Check out the FAQ's:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

 

 

 

 

 

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Ok so i only sent my DPA leter off on the 3rd April but i just get the feeling that its going to take a long time. (My b'friend recieved a reply from Barclays within days).

Which e-mail address is it so that i can pester them?

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 2 weeks later...

Hi,

 

Ok so i am not the most patient person in the world but i have heard absolutely nout off Halifax yet. I am going to e-mail customer relations - has anyone got any good ideas for a scary reminder letter that might kick them up the ass!

 

Thanks in advance

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi,

 

It's your claim and your timetable. If you have sent them letters telling them what you are going to do and when, why do you need to remind them. The bank are 'big boys,' they can read and they understand what you are saying.

 

When your deadlines are up move onto the next thing you said you were going to do. If they start crying, and shouting 'foul,' then it's hard cheese for them...

 

Sorry...I'm very impatient, but unfortunately trying to remind them all the time will only add to your frustration. Believe me, I've heard not a sausage from HSBC, and a couple of weeks ago I was in the mood to go into the bank with a 'big hitty thing' and ask why they weren't responding to my communications.

 

Just hang in there and think of all that lovely money you are going to get back :rolleyes:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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yep, your right i know!

It is just so frustrating - especially when they can still be arsed to send me plenty of letters saying they are charging me again!!!

 

23 days left to go!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Charging you again - is this a statement of charges pending? If so, and to fill your time and get a little thrill to boot, you might want to try sending them this. They won't stop the charges going through, but I had them refunded within 8 hours of being applied...(with HSBC mind!)

Dear Sir/Madam,

 

I find myself in the position that your actions require my intervention for the [HOWEVER MANY] time in the space of a few days. I am seriously reconsidering my view that [bANK] has the capacity to act as my fiduciary in a responsible and lawful manner, as implied by the terms and conditions between both parties.

 

[WHENEVER] I received a statement from [bANK], stating their intent to unlawfully apply penalty charges to my account on [DATE]. These charges are to the sum of £XX, as well as an interest penalty of £X.XX for the 'privilege' of this unlawful action being undertaken.

 

As you are aware, I have asked you to demonstrate to me that these punitive charges are fair and just, that they are lawful, and that they are being lawfully applied. You have failed to demonstrate this to date, and therefore it is implied by your refusal or inability to supply such demonstration, that these penalties are, indeed, unlawful.

 

Therefore, I would draw your attention to the following point: you have stated that these charges will be applied on [DATE]. If these charges ARE applied, then you will be required to explain why you have, in my view, committed a pre-meditated breach of the law, and I will be reporting such breach to all of the relevant authorities.

 

However, as this has not yet happened, I require that you take action forthwith, and cancel this transaction prior to its execution. Furthermore, I require confirmation, in writing, that this transaction will, indeed, be cancelled.

 

I shall be checking my account on [DATE], and if I see that the penalty charges, plus interest, have been unlawfully applied to my account, I shall lodge a claim at the county court to recover these charges, plus my costs and interest calculated at 8% APR, without hesitation. Furthermore, I shall require that you confirm whether these unlawful charges have resulted in a default notice against my record with credit reference agencies, and if so, I will seek appropriate action to have this notice removed.

 

In view of my first paragraph, and considering your apparent incompetence to act as my fiduciary in a lawful manner, I will start to consider a course of action whereby I may seek redress for all the inconvenience you have caused me.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No its not a statement of charges pending - just the usual standard letter from Gary Kettle saying: 'we have paid this DD on this occasion... or if this makes you overdrawn then we will also apply a penalty charge of £28.'

 

Not too keen on this Mr Kettle bloke...

 

Thanks for your help anyway Spiceskull - wouldn't like to get o the wrong side of you!

Halifax -

LBA sent 12/05/06 for £1,232

 

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- wouldn't like to get o the wrong side of you!

That would never happen - I'm too nice :rolleyes: I just like to shout at the bank!

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Guys nothing toupdate really - i sent my DPA but not so much as a peep from Halifax yet! My boyfriend has recieved the standard letter from Barclays saying that the statements are on the way but 'what do u mean by the term manual intervention' so i sent one back explaining exactly what i meant and so we shall watch this space.

 

Getting v. impatient with Halifax tho!:mad:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Yeah i think i will.

I think i might of delayed it myself, cos rather than enclose the £10 fee, i said they could deduct it from my account but my account is overdrawn at the minute - (due to thier charges of course) so i am not sure what will happen. I'v only jus found out my account is overdrawn!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Bookworm has very kindly changed the title of this thread so hopefully it will be easier for everyone to follow.:)

Halifax -

LBA sent 12/05/06 for £1,232

 

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I reckon Halifax will be using the fact that i am overdrawn to delay taking the fee out my account, therefore allowing them to avoid sending my statements.

 

Well i get paid on Monday so i will be ringing them to remind them about the letter i sent them and to confirm that it is ok to take fee out of account. This is entirely my fault of course! What an idiot i am!

 

Would it be best to ring customer relations?:)

Halifax -

LBA sent 12/05/06 for £1,232

 

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It shouldnt matter if your overdrawn or not. I've read through loads of posts and its clear the banks like to keep everyone waiting. They have with my - Abbey have 1 day to enter defence. They did everything else at the last min so im expecting this to be the same.

Abbey Claim

27/03/06 Served Claim, acknowledged 05/04/06, 24/04/06 Defence entered & 50% offer. 25/04/06 accepted 100% ofer via email.

 

Alliance & Leicester

LBA sent 27/06/06, Claim Started 25/07/06, 14/08/06 Charges refunded!

 

Barclaycard: DPA 21/04/06. Prelim 12/05/06, LBA 26/05/06, Claim issued on 27th June. Acknowledged 03/7/06, 20/10/06 Court Date Set: 8th December

 

Barclays: DPA 21/04/06, statements arrived 02/05/06, prelim 06/05/06, 21/05, LBA, Barclays offered 50% 1 day after LBA deadline. Refused and claim started 5/6/06. Acknowledged 9/6/06, defence entered 07/07/06, allocation questionnaire sent off. Court Date October 25th, case settled 24/10/06

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Yeah thats true. I think Halifax sent jonni2bad's statements to him on the 37th day!

I'm just very impatient cos i'm broke!

Halifax -

LBA sent 12/05/06 for £1,232

 

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Arent we all inpatient when it comes to getting money?

Abbey Claim

27/03/06 Served Claim, acknowledged 05/04/06, 24/04/06 Defence entered & 50% offer. 25/04/06 accepted 100% ofer via email.

 

Alliance & Leicester

LBA sent 27/06/06, Claim Started 25/07/06, 14/08/06 Charges refunded!

 

Barclaycard: DPA 21/04/06. Prelim 12/05/06, LBA 26/05/06, Claim issued on 27th June. Acknowledged 03/7/06, 20/10/06 Court Date Set: 8th December

 

Barclays: DPA 21/04/06, statements arrived 02/05/06, prelim 06/05/06, 21/05, LBA, Barclays offered 50% 1 day after LBA deadline. Refused and claim started 5/6/06. Acknowledged 9/6/06, defence entered 07/07/06, allocation questionnaire sent off. Court Date October 25th, case settled 24/10/06

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Wooooooooooohhhoooooooooooooooooooo!!!!!!!!!!!!!!!!!!!:lol: :lol: :) :) :)

Well guys its my birthday today and guess what arrived on the doorstep...MY STATEMENTS!!!!!!!!!!!!!!!!!!!!!!!!!! That was the best present of all!

 

And...! I was expecting around £700 in charges but when i totalled it up it came to £1,232!!!!!!!!!

 

Prelimenary letter in the post as we speak!;-)

(Sorry if i appear to be over excited - i'm a bit ****ed!)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Sorry guys i have also updated my original thread but i was so excited that my statements arrived on my birthday i had to do a thread especially for the occasion!

 

The statements arrived yesterday and i calculated all the charges and it came to £1,232!!! This is just in a year - i can't believe it. I had assumed the figure would be around £700 so i was gobsmacked at the total.:eek:

 

Makes me even more determined to get it back now!!!

Halifax -

LBA sent 12/05/06 for £1,232

 

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