Jump to content


  • Tweets

  • Posts

    • Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Like

mo v Halifax ***SETTLED IN FULL***


mo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6409 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hiya,been reading this site for ages,finally decided to try and claim charges back,stumbled already,cant for the life of me get my head around spreadsheet,no matter how much info ive read nothing goin in my brain,couldnt even download it,as you can probably tell im not very good on computers,old you see lol,anyway had this thought,right or wrong i dont know,can i writ e to the halifax and just list the charges,or is this not right,hope someone can advise me thanks

Link to post
Share on other sites

  • Replies 101
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well speadsheets are good because if you do the equations, they do all the work for you.

 

However you could write it and do the maths yourself.

 

Alternatively I'd be willing to help you (pro gratis of course). Just drop me a PM if you're interested.

Fox Vs. Halifax

 

Reclaiming: £565.19

Preliminary Sent: 28/9/06

Preliminary Recieved: 29/9/06

Letter Recieved: £224.00

LBA Sent: 11/10/06

LBA Recieved:

Letter Recieved:

Court Filing: 26/10/06

Final Decision:

Link to post
Share on other sites

Hiya

I simply made a list up of charges, with the dates and the reason for them, with Halifax this will simply be "CHARGES AS NOTIFIED"

total at the bottom and Bobs ya uncle!

hope this helps.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

I just listed them

ie:

23/9/05 charges as notified £39

etc

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

Dont worry!

Nobody is born knowing these things! lol

You can't claim the 8% interest until you get to the moneyclaim part.

You can ask for a refund of the interest charged to you at this stage but its confusing and often doesnt amount to much.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

so list the charges just on paper and send this with letter?sorry for keep for keep saying sorry but feel totally thick,its as if the banks can run your life without any comeback,i just hope i can get these charges back so dont want to mess it up

Link to post
Share on other sites

well im shocked,ive just sat down and listed every caharge,came to 2851.00,ive just realised ive been working just to pay these near enough,letter ready to go recorded delivery monday,do i send it local branch?

Link to post
Share on other sites

  • 3 weeks later...

sent sar all statements arrived bout three weeks ago,after being really annoyed with myself for paying all these charges,and thinking it was all my fault i came to the amazing ammount of 2560.oo,sent 1st letter bout 2 and a bit weeks back got reply today,sorry your not happy,to cover our costs blah blah blah,we will give you as goodwill 1874.00...whooo,well my question is should i take it its such a lot of money,and ive only sent them one letter,really scared to take it all the way in case they take it back again,if you see what i mean...mo

Link to post
Share on other sites

thats a good offer compared to most and a lot of money... the decision is always yours but if it was me... i'd tell them that your taking them all the way to court..

 

BUT, thats just my opinion, i don't know your circumstances and christmas is coming up.. ha ha

 

But everyone who has gone all the way so far has got their money back, plus interest...

 

good luck

Link to post
Share on other sites

Hiya Mo

 

only accept this as part settlement, stick with your time-table, your just about at the end of your battle, I will copy you a letter to send them But dont sign anything Please....

  • Confused 1

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

Link to post
Share on other sites

Hiya Mo

this is the letter I used on all my claims, when offers where made (& Ive won)...

Your Address

Their Address

Date

 

Dear Sir/Madam,

 

Sort Code:

ACCOUNT NUMBER:

 

Your Reference:

 

In response to your letter offering £xxxx as a goodwill gesture - your offer is accepted only as a partial repayment of the outstanding balance and I do not recognise it as a full and final settlement.

Although I appreciate your offer, I would like to notify you that my request is for £xxxx .Please also find enclosed a Letter Before Action. (if you are at that stage on your time-table)

I hope this matter can be resolved amicably and swiftly.

Yours Faithfully

(your name)

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

You have come this far, so another week or 4 wont be a problem, I know what they have offered is a great amount, But remember you paid all of them charges, so you want them ALL back, the full amount & the interest...YES you DO.....

 

 

 

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

Link to post
Share on other sites

thanks for that,i think i feel reassured,i think,ive no printer at the moment its decided to pack in sods law i suppose so will write it by hand and sent it recorded delivery monday along with everything crossed,thanks again,mo

Link to post
Share on other sites

You will be fine, Theres loads of support on here, so if you get stuck, someone or everyone will help you out.

 

Im bored now got no more banks to fight hahaha, so Im helping out where I can, dont forget to pm me if you need a chat ok.

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

Link to post
Share on other sites

already wrote bout my offer,got letter from halifax friday offering me1874.00.am 90 per cent sure im goin to reject this,after some good advice from angie.just wondered whatt other people thought,oh claiming 2700..00

Link to post
Share on other sites

wondered if anyone else got this reply from halifax?quote i am sure you will appreciate like other oranisations we incur costs for every transaction made,when we pay an item against an unauthorised overdraft or return an item unpaid.we incur extra costs regardless of the shortfall involved,we believe it is fair to pass these costs on to the account affected,as opposed to them being absorbed by other customers. the rest is bla bla..fron diane peter,review manager,core operations,customer relations...

Link to post
Share on other sites

wondered if anyone else got this reply from halifax?quote i am sure you will appreciate like other oranisations we incur costs for every transaction made,when we pay an item against an unauthorised overdraft or return an item unpaid.we incur extra costs regardless of the shortfall involved,we believe it is fair to pass these costs on to the account affected,as opposed to them being absorbed by other customers. the rest is bla bla..fron diane peter,review manager,core operations,customer relations...

 

All rubbish.:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...