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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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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eyeballto v Halifax ***SETTLED IN FULL***


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Good Luck.:)

Sent Data Protection Act to Halifax 13.6.06

Daughters Data Protection Act sent to NatWest 5.6.06

Natwest sent statements on 24.6.06 Daughter owed £204.00 Preliminary ready to go.

Halifax sent my statements today(26.6.06) Owe me £1702.00

Preliminary sent on 27. 6.06.

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  • 2 weeks later...

the 14 days of the lba have expired and its off to money claim.

 

ive filed out the particulars of claim before for my partner and now need to do my own.

 

i need one bit of guidance though.

 

im claiming for both my closed current account and my current credit card. i have a feeling this is going to be a sod to fit in???

 

1) do i add both claims together?

2) in the bit " i have a contract with the defendant bank" do i put the date when i opened the current account only or both??

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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its about £1292 plus 8% interest (cant open spreadsheet on work computer) so ill have to work out the total in the morning

 

havent looked at the n1 route as yet,, thanks for pointing me in the right direction.. grrrrrrrrrrrrrrr work computer cant download pdf so that will have to wait till the morning as well..

 

oh well back to work

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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im claiming

 

£735 + £137.93 interest on halifax credit card opened 08/12/1997

£560 + £211.84 interest on current account opened 05/05/1992(now closed)

 

in particulars of claim do i combine the 2 using the 1992 date as when i first had a contract with bank. then for the bit about interest add the 2 figures together.if so do i have to state anywhere there are 2 accounts combined and how would i word it???

 

if so it obviously wont fit in the particulars of claim if i use moneyclaim therefore i will have to use a n1 form.

 

or if i have to keep the dates and figures separate once again ill have to use a n1 form and how would i word this.

 

 

 

ive already gone through moneyclaim for my partners claim but this is confusing me having 2 claims against halifax

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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just changed thread title

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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You can list both accounts and their opening dates on Form N1. When you reach the Value section you can put in two sets of figures (one for each account), plus a grand total for the claim and a single daily rate of interest.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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are the courts open on a saturday??? im doubting it but its worth asking

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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Mon - Fri 10am - 4pm according to the paperwork I have for my court.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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thanks,

 

i went into halifax today to get the date when my old account with them opened. the woman asked me why, i told her it was needed in my claim for repayment of charges as ill be going to court on monday. im only going down the court to drop off n1 form but she said "really, but i was told they are not going to take anyone to court". i smiled and left after being told the date :D :D :D

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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handed in n1 form today at the court.:p :p :p

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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  • 2 weeks later...

today i received from courts the issue of claim telling me halifax had until the 9th to issue a defence... no doubt it will turn up on the 7th or 8th then!!!!

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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woooooooooooooooooooo its the 9th!!! will a defence turn up today????

 

 

hopefully seek judgement tomorrow then, in the hope it isnt set aside i suppose

 

 

 

edit.. im seeing that lots of people are being paid out... my claim is for a closed current account and my credit card.. will they send a cheque for the closed current account and will they deduct the other amount off my credit card balance???

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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noooooooooooooooooooooooooooooooooooo its the 8th not the 9th:rolleyes: :rolleyes:

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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woooooooooooooooo its the 10th i win by default... better get down the old courthouse and get judgement... hoping they dont get a stay!!

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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well i was hammering the vodka lol

 

so ive filled out the form requesting immediate payment... what happens now???

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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yippee. i have won!!!!

"""halifax is willing to reimburse you £1292 in respect of bank charges incurred on both accounts, together with £349.53 in respect of the interest that you have claimed. the halifax will also reoimburse £120 in respect of the court fee. this amounts to £1761.53.

i enclose a cheque for £894.05 in settlement of your claim on your current account and i have arranged for £867.48 to be refunded to your credit card"""

no conditions attached... wey hey back on the vodka tonight me thinks!!!!:D :D :D

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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Congratulations! :lol:

 

Did they pay out the 8% interest? Make sure you've got the money in your hands & check the card balance before updating the court. Please also take the time to fill out the survey.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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yeah they paid out everything. will fill out survey when sober :D :D

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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how do i donate.. the donate link just goes to paypal site and i have no username to pay the money.

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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Send a PM to BankFodder for payment instructions.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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CONGRATULATIONS

 

 

Don't forget to ask for the daily rate of interest (presuming that you claimed them...)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 12 years later...

This topic was closed on 2019-03-08.

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

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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