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    • Hi. I've moved your thread to the Residential and Commercial lettings forum. People should be along to advise later. HB
    • Ah I never even considered it, odd f9r me because im Tech savvy. Had a look and sure enough its all there in my google timeline. Perfect. 
    • 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.
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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horseybee v Halifax


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Hi there, I recently sent a letter to the Halifax stating that my charges where unfair and in breech of consumer rights and that i request a refund of all my charges. I photo copied my bank statements over the last 2 yesrs and posted it last Friday. Now on Tuesday i have received a reply saying "That they are terribly sorry for any upset that they have caused!! and that they are dealing with my claim, and that I will receive a reply shortly, but certainly no later than 4 weeks.":-|

 

Is this normal? and has anyone else received a letter like this? What should i do, should i sit tight or act straight away?

 

Thanks for any info!:)

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Hi there, I recently sent a letter to the Halifax stating that my charges where unfair and in breech of consumer rights and that i request a refund of all my charges. I photo copied my bank statements over the last 2 yesrs and posted it last Friday. Now on Tuesday i have received a reply saying "That they are terribly sorry for any upset that they have caused!! and that they are dealing with my claim, and that I will receive a reply shortly, but certainly no later than 4 weeks.":-|

 

Is this normal? and has anyone else received a letter like this? What should i do, should i sit tight or act straight away?

 

Thanks for any info!:)

 

 

Hi Did you send the sar? have you sent the prelim letter or the LBA? are they the template ones?

Why are you only claiming for 2 years? have you had the account longer?

 

Please read the faqs this will avoid so many questions. Let me know the answers and i shall help you.:D

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Hi there, I just sent a ordinary letter that i wrote myself as i couldnt find any to print off and send! This morning i have recieved a letter which has made my blood boil!! It states that they have looked at my file and "they are sorry to here that iam unhappy with them" but and i quote the letter to you "I note your concern about our charges, but these types of transactions do involve extra work and costs and, as a result, we apply a charge to your account.We are sypmpathetic to our customers personal circumstances, but we do believe it is only fair to pass these added costs on to the accounts affected, rather than penalise all our customers.

 

I have investigated the charges levied on your account but i can find no error on our behalf and therefore no reason to refund the charges to you.

 

Needless to say iam gobsmacked!! It also states that they are committed to complying with the Banking code!!

 

Please help......Has anyone else had this letter or is it just me!!!

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Hi i have recieved a letter today repling to my original letter to the Halifax wishing to claim my charges back and to my SHOCK! :o This is what it said....."Thankyou for your recent letter. Iam sorry to learn that you are unhappy with us. I note your concern about our charges, but these types of transactions do involve extra work and costs and, as a result, we apply a charge to your account. I have investigated the charges levied on your account but i can find no error on our behalf and therefore no reason to refund the charges to you. BLAH BLAH.....

 

I cant believe it!!!! Has anyone else had this letter? And do you have any advice on what to do next???? I am feeling a little p###ed off!!!:x :x HELLLLP

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Guest ian cognito

Yes just about everybody has received a letter similar to this, doesn't make the slightest bit of difference, do a bit more reading, FAQ's, step by step guide and the halifax forums and you will have a better idea of the process.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/

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Hi horseybee

 

I'd say it was a standard response. Stick to your schedule. Next step is the LBA (letter before action).

 

The point they make in the letter is that they charge you because they have to do extra work on your behalf. We all know it doesn't cost £35 to send a templated letter each time you go overdrawn, and thats what your fighting for. You'd gladly pay their costs if you go overdrawn (postage, letter etc) but you can't as they won't disclose this information.

 

When court action is taken against the banks, they never counter claim. This is because they would have to show their "true costs".

 

Good luck with your claim.

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