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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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hwild v Halifax


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Well done! All you can expect now is a very slow response. From reading other posts and from my experience - the banks seem to leave it to the last minute to reply.

 

With me they waitied the full 14 days after i sent the standard letter requesting charges t be refunded, then again waiting the maximum time they could to acknowledge the claim and then they made me an offer of 50% on the last day they could submit their defence, obviously i refused (by email) and 10 mins later the offer was now the full amount of my claim.

 

You should be pleased you have all your statements and that very soon you will have your money back! Good luck!

  • Confused 1

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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Thanks for your update - it helps to know how others have got on with their claim. Can't wait to see how this turns out! Feeling very hungover today!:(

Halifax -

LBA sent 12/05/06 for £1,232

 

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Well thankyou very much;) !

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hang on a minute! I have totally overlooked something (must of been the beer!)

 

Halifax have sent me no confirmation of any Manual Intervention so do i take this to mean that there wasn't any? If there is no Manual Intervention they are supposed to state this aren't they?

 

All they sent me was the statements and a very short letter basically saying 'here is what u asked for - if u need any further assistance please do not hesitate to...' blah blah blah.

 

Any thoughts on this???:confused:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hang on a minute! I have totally overlooked something (must of been the beer!)

 

Halifax have sent me no confirmation of any Manual Intervention so do i take this to mean that there wasn't any? If there is no Manual Intervention they are supposed to state this aren't they?

 

All they sent me was the statements and a very short letter basically saying 'here is what u asked for - if u need any further assistance please do not hesitate to...' blah blah blah.

 

Any thoughts on this???:confused:

Halifax -

LBA sent 12/05/06 for £1,232

 

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HAPPY BIRTHDAY !!!!!!!!!!

 

Well Done you are so lucky. I am about two days behind you (DPA sent 5/4/06). So fingers crossed for tomorrow.

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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Apologies for starting a new thread - i just needed to clarify something.

 

I have totally overlooked something.

Halifax have sent me no confirmation of any Manual Intervention so do i take this to mean that there wasn't any? If there is no Manual Intervention they are supposed to state this aren't they?

 

All they sent me was the statements and a very short letter basically saying 'here is what u asked for - if u need any further assistance please do not hesitate to...' blah blah blah.

 

Any thoughts on this???:confused:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi what do u think i should do?;)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Thats what i thought - thanks very much

Halifax -

LBA sent 12/05/06 for £1,232

 

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We can take this to mean they don't have any (all banks the same).

 

Those that do respond in some way just state that it's not covered by the DPA, but it would not do them any favours in court... the 'something you later rely on' scenario !!

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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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Cheers mate - thats what i thought;)

 

 

You have 7 Halifax threads running! I have merged, but please stick to 1!!

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 2 weeks later...

I know sorry! - realised this a while ago so i asked bookworm to rename it to hwild vs halifax so i could stick to that one from now on. Cheers for merging them lueeze!;)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Just to let u know that the deadline for my prelim ltter is friday - haven't heard a peep out of Halifax yet....:|

Halifax -

LBA sent 12/05/06 for £1,232

 

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Good idea! Will sort it out now!;)

Halifax -

LBA sent 12/05/06 for £1,232

 

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Well still nothing at all from Halifax. Sent my LBA off ASAP. I can't believe they didn't even respond to the prelim...well actually it doesn't surprise me at all!:rolleyes:

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 2 weeks later...

Well its the LBA deadline today - have heard absolutely jack s**t from Halifax. What are they playing at!!:mad:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Clearly, as a valued customer, they are just ensuring you get all your interest back too :p

..

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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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Well i recieved a crappy standard letter form Halifax yesterday saying 'sorry your unhappy...' blah blah blah and enclosed a complaints leaflet.

 

Hmm me thinks a claim is in order!

Halifax -

LBA sent 12/05/06 for £1,232

 

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  • 1 month later...

Hi Guys,

 

I must apologise for not bein around for quite a while - have had alot of S**T goin on and i have been having to sort it out.

I am still trying to maintain my claim with Halifax but i don't think i have kept it up as well as i could have.

 

Anyway, i sent my LBA on the 12th of May (ages ago!) and didn't hear anything from Halifax. I then got myself into alot of problems with outstanding bils etc (due to splitting with boy'f) and couldn't afford to begin my claim. So, i sent Halifax a final LBA, on or around the beginning of june, to which i recieved a long letter explaining why they have these charges etc, etc and offered me a final settlement of £188!!!! I am claiming £1,232 so obviously i sent them a letter saying that wasn't acceptable and i have yet to hear from them. I can only afford to make a caim later on this month. Is it too late to do this now??? Have i messed it up! What is really annoying is that when i started this whole thing i was all prepared, had the money for my claim all saved and now its all gone wrong! Help!

 

Thanks in advance,

Helen:confused:

Halifax -

LBA sent 12/05/06 for £1,232

 

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Hi Helen

 

There's no problem with the timescales. Whenever you can start your court action will be fine, there is no reason why you have to do so with a certain period of sending them letters.

 

Let us know when you can start, and I will check that you have everything listed in the Particulars that you need.

 

Hope all is well, sorry for the delay in responding.

..

.

 

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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