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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • If you are buying a used car – you need to read this survival guide.
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      • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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PROBLEM ? Joint vs Halifax


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Hi

 

After my first settlement and a little holiday !! I have now got my second claim filed with MCOL on the 30th Oct & Acknowledged on the 6th Nov; All seemed to be going well until a letter arrived this morning that my wife has read to me saying "they will not be paying any refunds WHAT SO EVER"... as they had already made us an offer in Sept' ......that we did not except or reply to ?? IS THAT AN ISSUE ??

 

Any thoughts ??

 

Many thanks

 

TRICKY

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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did you sign any "full and final" documentation on completion of your first claim? If not, you can claim back disproportionate penalty charges.

Regards

 

 

S

 

 

Halifax PLC - £607 - SETTLED IN FULL

Halifax Card Services - £1142 - SETTLED IN FULL

 

MBNA Europe - £842 - SETTLED IN FULL + INTEREST!

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Nope signed nothing !!!

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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Hi again.........

 

Home now and read the letter that we got sent today, ... it goes like this ....

 

Does this sound like a standard reply ??? Oh & by the way ackowledgment of service of service sent with intention to defend all of the claim....

 

7th November 2006

 

"Thank you for recent letter in connection with the charges levied on your account.

 

As a gesture of goodwill I offered you £XXX on the 6th Sept 2006, which you do not wish to accept. I confirm that we will not refund all the charges you have incurred on your account over the last six years/since opening your account. I must also stress that future charges will stand and we reserve the write to close your account if you do not manage it correctly.

 

To comply with legislation, I would like to let you know that if you remain unhappy you can refer your concerns to the FOS. They can be contatcted on 0845 080 1800 or by post at ........

 

Enclosed leaflet details of Ombdsman" ........

 

KIM HOLLYOAK

Review Manager

Customer Services

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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oh .. how interesting .... the letter of the 6th Sept spoke about 8 weeks; it just so happens that was up on the 31st Oct; & i filed on the 30th !!!!

 

Will just keep sat tight with fingers crossed....

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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Bluecloud;

 

I see from your signature that you have also started claiming vs HLX CC; do you mind if I ask what you are claiming ?? I have had numerous CC's over the years and possibly have been charged late fees but thats about it I THINK !!! any words of wisdom would be great

 

Cheers

Tricky

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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Guest bluecloud

I'm claiming anything and everthing applied to my account other than the lawfully credited amount of interest. I'm also claiming for 7 1/2 years of charges.

 

 

.

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COOLAMUNDO !!!

 

Good for you.. still not got my head round the Credit card Claims yet ..

 

MORE reading needed...

 

Thanks

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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ANYONE ELSE with any thoughts to my reply from the Halifax ???

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

Link to post
Share on other sites

Anyone got anymore thoughts ??????????

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

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Share on other sites

Hi

 

Just checking in to see if any payouts have happened to late oct early nov claims >>>>!!!

 

Cheers

 

Tricky

:rolleyes: TRICKYPICKLE :rolleyes:

Account One (Mine Closed for 2 or so years)

Claiming £712 & 8%.....

Sent Prelim Letter 7th August

Bog Standard Reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £120 28th August

MCOL sent 2nd October

MCOL Acknowledged 4th October

5th October HALIFAX OFFER FULL CHARGES COURT FEE & 8% interest !!!

7th Oct; Cheque arrived in post !!!

:lol: :lol: :lol:

Account Two (Joint still open (for now!!)

 

Claiming £ 1900 odd and rising !

 

Sent Prelim letter 7th August

Bog standard reply 11th August

Letter Before Action Sent 21st August

Reply with offer of £ 788 6th September

MCOL sent 30th October

MCOL acknowledged 6th November

HALIFAX LETTER 8th Nov ... NO REFUND Blah Blah Blah

 

Link to post
Share on other sites

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