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    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
    • To be fair ,  she has responded and said she's on holiday but returns Sunday and will bank transfer when she returns and i think i believe her.
    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Crocodiles Vs Halifax


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Good luck! You sound on a similar schedule to me, although I have used the manual form N1 which has been safely received and notice of issue (think that's what they called it!) will be sent to the Halifax by the end of the week.

 

Quite excited by it all!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Thanks to Michael & bluecloud for your sound advice. My MCOL was double checked and is fine.

Thanks BB for your encouragement.

I will keep a close eye on your thread to see how you get on.

We may be celebrating at the same time. Best of luck!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Quick update,

 

Recieved confirmation from Northhampton court that they had served on Halifax. Will be deemed served on 18th (this drags on a bit doesn't it?).

Then recieved a letter from Halifax withdrawing their offer and again threatening to close my account.

Ho hum......

Here's hoping they cough up before Christmas!!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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The Bandits! Keep at 'em. I'm on a similar schedule so will probably get the 'account closure' letter over the next few days :-| Like I would ever bank with them again.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Well....

Thats almost one week since claim was upgraded to 'aknowleged' on MCOL.

Still no letter from Halifax, either aknowlegement nor payment.

If I recieve nothing in writing, can I request a judgement when the 14 days since issue expires?

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Quick update.

 

Recieved written aknowledgement from Northampton County court of my mcol claim.

Claim was filed on 11th Nov; issued on 13th and aknowleged on 17th.

Delay on recieving post may be due to using a proxy addressd in England.

 

I've has no contact from the Halifax whatsoever.

I'm going to give them a call to find out when their last corespondance to me was. Again, this might be delayed by use of proxy address.

 

They could hold on until 15th Dec before lodging a defence but the average based on most threads I recieve indicates that I have a chance of going xmas shopping by end of next week.

(He writes more in hope than expectation)

 

Looking forward to making a donation!!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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i have been following your thread, good luck with your claim! i am one day ahead of you, my claim acknowledged on the 16th...don't know about you but i'm getting quite impatient!! i haven't recieved anything back from the halifax either......feel quite neglected!

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I feel in limbo a bit as well.

After the flurry of activity and excitement at the prospect of being reimbursed, now all there is to do is wait...............

 

I'm prepairing another couple of claims but I won't start them until Halifax pay up. Proof in the pooding and all that.

I know that there have been many success stories on this site but I will go ahead with the rest once the filthy lucre is in my hand!

 

I am interested in exploring claims going beyond 6 years, being a veteran of Black Wednesday and 16% interest rates from the early ninties.

 

I could just about pay of my house mortgage if I got reimbursed all of that lot!!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Quick update.

 

I've just e-mailed the Halifaxx legal services Department asking if they can confirm aknowkegement of my mcol claim.

Let's see if I get some feedback now.

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Well done Mo!!

 

That cheered me up no end.

I got a reply from Ms. Rachel Hinchliffe of Halifax legal services, saying that she had not recieved anything from court and that I should give them 5 days for posting.

I replied that the claim was issued on 13th Nov, acknowleged on 17th and even if the acknowlegement was erronious, it would have been deemed served on 18th.

I included an electronic copy of my claim form in my reply.

In fairness to Ms. Hinchliffe, she replied to my speculative e-mail within minutes.

My counter-reply was sent at 17:05, and therefore out of office hours.

Should recieve an e-mail from her this morning, barring holidays, natural disasters and them already having paid out!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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First things first.

Well done month and Aaronsdad!!!

 

I'm totally chuffed for both of you!

 

Hey Aaron, don't let your old man off the hook.

Don't settle for enything less than a Space shuttle this Christmas!

A REAL one, that is!

 

On a more sober note....

Still no written correspondance from Halifax and more disappointingly, no reply to my e-mail of last night.

 

Oh well.

Cinderella here will be thinking off you two having a ball.

Now, where's my plate of gruel......

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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well i'm debating contacting them as i've heard nothing either (claim acknowledged on the 16th) how come if they have acknowledged you on the 17th, they claimed when you e-mailed them to not have recieved anything from court?

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Gruel? Gruel? You're in Airdrie man, it's porridge.

I've been looking out for you. Monday that's the vibe.... MONDAY!!!

Be aware though, when you do get a refund, it seriously hurts your head every morning! Or is it just me?

Slater gator

 

Derek

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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IWON!!!

 

Went to the bank on Friday in Glasgow and no doh.

Got into my car & logged into online bank via my phone.

between leaving cash machine & getting to car park the money was in!

Had a few glasses of milk at a local hostelry on Fri night to celebrate.

Been Xmas shopping, booked my tickets to Paris and I'm a very happy bunny.

Aren't the Halifax a lovely bunch of chappies??

 

Will get this thread onto the 'successes' group and a donation will be on its way.

Now, who's next???

 

Keep going everyone, you will get your cash, and thanks to everyone for your fantastic support, especially the geniuses that had the vision to set up this site!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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IWON!!!

 

Went to the bank on Friday in Glasgow and no doh.

Got into my car & logged into online bank via my phone.

between leaving cash machine & getting to car park the money was in!

Had a few glasses of milk at a local hostelry on Fri night to celebrate.

Been Xmas shopping, booked my tickets to Paris and I'm a very happy bunny.

Aren't the Halifax a lovely bunch of chappies??

 

Will get this thread onto the 'successes' group and a donation will be on its way.

Now, who's next???

 

Keep going everyone, you will get your cash, and thanks to everyone for your fantastic support, especially the geniuses that had the vision to set up this site!

 

Fantastic, well done. Just a quick question that I've posted on other threads too - did you claim statutory interest at 8% or contractual interest i.e. what they had charged you? Reason I ask is Halifax is saying I can only claim statutory not contractual and there's misleading info on this forum/it's not clear which can be claimed although there is an arguement for contractual. Thanks

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Hi BB,

 

Your cash is on it's way, I promise!!

 

Thanks technique,

 

I claimed statutory interest this time, but I have a few more fish to fry and I will be looking into the merits of charging contractual interest.

Check out Bankfodder & blueclouds threads.

I am sure there is sime infor on that, or references to other threads.

 

Best of luck!

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Hiya S!

 

Been far too busy celebrating, but I promise I will have my head back on tomorrow. Will be in touch, and that goes for everyone else too. I'm sure you understand!!!!!

 

A D

 

Night night all!

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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  • 2 weeks later...

Well done BB!!!!

 

Is it spent yet??

 

lol

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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Oh yes! My Mum's got a muckle big telly for her Xmas - 32" flat screen, freeview and all the extras. The rest has gone on all important things, um, my car being serviced and taxed, a new matress and generally having a breather from worrying about money.

 

The latter of those things beings priceless!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Hi BB,

 

You are so right about the breather.

 

I have done Xmas, gone to Paris, and got drunk but the best bit is that my flat is safely mine until it is sold, and my parents & parents in law were given some cash back that they had previously helped us out with.

 

It feels good, doesn't it?

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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