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    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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      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.

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      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.

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First steps - DPA letter


Mattw
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Hi

 

I found out about this site from moneysupermarket and decided to give it a try. Just added up all my charges for the last 5 months. £780.00!!!!!!

 

Looks like I am in the same boat as alot of people. I have spoken with the Abbey on several occasions but to try and get the charges reduced or dropped but to no avail.

 

I am sending the DPA letter today.

 

Fingers crossed!

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Use the DPA letter from the Template Library on this site ; include cheque for £10 and send Recorded Delivery....and welcome to the club !!

Jamloo

__________________________________________________

Abbey - Data Protection Act Disclosure Request Sent 03/04/2006 - 40 day limit was 13th May.

9th June 2003 to 9th April 2004 Statements We Have - Total Charges = £1,420.00 :o

18th February 2005 to 18th March 2006 Statements Received - Total Charges = £3,177.00 :o

Still awaiting remaining statements.:evil: (as of 25th June)

Request for Repayment Letter Sent Recorded Delivery 02/06/2006 - 14 day limit is 16th June. Requesting £4,597.00

Letter Before Action Sent Recorded Delivery 22/06/2006 - 14 day limit is 6th July. Requesting £4,597.00

 

Capital One (Part 1) -

Request for Repayment Letter Sent Recorded Delivery 26/06/2006 - 14 day limit is 10th July. Requesting £359.22

 

Letter Before Action Sent Recorded Delivery 24/07/2006 - 14 day limit is 7th August. Requesting £359.22

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Am I right in thinking the cheque just has to paid to "Abbey" ?

Abbey: 15/04/06 - Data Protection Act letter sent.

5th or 6th July - 2nd letter sent.

HSBC: 10/04/06 - Have to write DPA letter.

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  • 2 months later...

Hi, everyone.

I have been reading all the threads in here for a couple of weeks now, and i've been desperate to do something about the shocking charges being given to me on a way too regular basis by the halifax.

I was always in charge of my finances til about three years ago whan i was forced to take time off work due to bereavement.

For a couple of weeks i had very little money going into my account, so was getting hit with charges for unpaid direct debits left, right and centre!!.

This has escalated through time, THE HALIFAX HAVE BEEN TAKING £39 A TIME FOR UNPAID DD, AT UP TO THREE PER DAY!!!.

I have tried to recover on my own but they are taking at least half of my earninga every month.

On a couple of occasions they have charged £39 for not paying an overdraft insurance protection provided by themselves. This is 78p per month, i mean how can they justify charging £39 for 78p.

I have just recieved my monthly statement and totalled up the charges.

This amounted to £550 for one month!!!!!.

So i have been charged £550 for having ELEVEN automated letters sent to me, i dread to think what they have taken from me in the last three years.

Anyway, i have finally had enough, and have plucked up the courage and sent off my data protection letter today along with the £10 fee.

I am determined to get back at least some of the hard earned cash which the halifax have "ROBBED " from me, and hope with a bit of help from here that i can achieve it.

WISH ME LUCK!!!

THANKS TO YOU ALL.

ROBERT

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  • 12 years later...

This topic was closed on 03/08/19.

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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