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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • 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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Hey, well done! And thanks for your support on my post! I have copied the template letter, so I intend to send it this week.

 

I am thinking I will open another account elsewhere, just in case, have you done that? Also, did you send your letter to your local branch, or Halifax HO? If so what's the address please? Hope you don't mind me asking. :lol:

Penny Less

Q) Why is there always so much month left at the end of the money?

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PLEASE PLEASE will you keep separate threads on these please. It is very difficult to follow and to help otherwise.

 

Yes - open another account in case they get silly.

 

Yes, send it to the branch. Why not.

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Address for Halifax Head Office is

here, I sent mine to the legal department

Halifax Plc

Legal Department

Trnity Road

Halifax

West Yorkshire

Hx1

 

Good luck!

 

---------------------------------------

Amended by BankFodder 16.2.2006

Thats 4 in the BAG!!!!

(£509.60amex..£396.31 Halifax credit card....£768.47+£783.99 Halifax current account)

so crooked they use a corkscrew for a ruler!(allegedly)

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Hi. Just an update on my case. Two letters received in post yesterday. My letter was the template one from the library.

 

First, from Halifax HO. Pretty bog standard.

 

From the Office of the Chief Executive

 

Dear Mr & Mrs ######

 

James Crosby has asked me to write to thank you for your letter of Feb 15th. We are looking into the matter you raise and you wil receive a response from a Customer Relations Manager within Core business. If you need to contact them in the meantime, please telephone 01422 333465.

 

I enclose a copy of our complaint leaflet, which tells you how we will handle your complaint.

 

Yours sincerely

 

 

.................................

 

Anyone know who James Crosby is? I'm assuming he's Halifax CE.

 

The second letter which is from my local branch "co manager", is on unheaded paper, and is one of the most badly written letters I have ever read from a so called professional!

 

Dear Mr & Mrs ######,

 

I thank you for your letter dated 14th February 2006 that was handed in to the above branch yesterday - 15th February 2006.

 

I am unable to comply with your request to reverse all of the charges, as you have not conducted your account within the agreed terms and conditions. The Halifax have to pass on the costs for paid and unpaid items when you enteran unauthorised overdraft. The value of the transaction does not effect the costs we incur. The Company believes it is fair to pass thesecosts on to the accounts affected, rather than absorb them into other areas of our operations and penlising all our other customers as a result.

 

I have noted your comments regarding the level of charges you have incurred. However, to be excessive or unfair, bank charges must be punitive in terms of the law. Having sought clarification from our Legal and Banking Product departments, I can confirm we base our charges on a genuine pre-estimate of our loss such are legallyenforceable.

 

I do hope my comments have helped explain the situation and I am sorry if your view of the Halifax has been tarnished in any way as a result of the difficulties you have experienced. I trust your future dealing with us will be entirely satisfactory, but if you have any further queries or concerns then please let me know.

 

With regard to your formal request to supply a complete and exhaustive list of charges made on the above account over the last six years, I have requested the information from my Liverpool Service Centre and I will write to you with this information as soon as it is made available to me. The 40 day compliance relates to Data Subject Access which would give all information held on you on the Halifax records, but not charges, ie personal data. Page 3 of the enclosed leaflet "About you - PersonalInformation and you identity" explains this and also about the fee of £10 that is chargeable.

 

I enclose a leaflet explaining our procedures. Should any of your concerns remain unresolved please lt e know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we will provide you with details of how you can contact the FOS for help. If I don't hear from you in the next eight weeks I will assume you are happy.

 

Yours sincerely

 

###### Co Manager ######## Branch.

 

 

I would be grateful for any comments on what he has written. And can anyone help me suss out how to insert text! This has taken ages!!!

Would say it is definitely worth sending copies of letters to Bank HO's.

 

Will keep you all posted.

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  • 13 years later...

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