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    • FINAL UPDATE.  I have not posted as the defence were reading the thread.  An agreement was reached on the day of the hearing.   I am unable to go into detail but for those in this position the forum has been priceless support and advice so thank you all in the site team.   for those going through this, follow the process, ignore intimidating tactics and threats and get to the Judge.  They are very supporting of those self representing.   I note her name has gone from the heading of the thread.  Was this them ?  Thanks again.  
    • I'm not sure what the "appeal" system asked but he said he definitely didn't indicate he was the driver so I'm just going to have to take his word for it. Honestly, I don't think the hirer will contact them. I think my brother will tolerate it. I did have a similar experience with another company 6-7 years ago and sought advice on here then to which you guys told me to ignore, I got the exact same DRP letters and then a "Gladstones Solicitor" letter.  After that nothing happened and it died away. Based on my experience with that I assumed the same would happen here but only asked to see if perhaps anything had changed since then.    Hopefully it doesn't get to court but if it did, I feel like we have enough evidence to sway a judge who probably hates dealing with this type of nonsense anyway. Or maybe I'm too optimistic. 
    • Your attachment showing the cinema parking restrictions seems crystal clear. Let's see what the photos turn up.
    • Meter certification periods re given in The Meters (Certification) Regulations 1998, Schedule 4. From there you can check if they are correct about your specific meter .. https://www.legislation.gov.uk/uksi/1998/1566/schedule/4 If they're telling porkies then you have e clear grounds to tell them to take  hike. If they're correct or if you haven't been able to confirm then you have  few options. You could just keep fobbing them off. In general Octopus can't keep up with demand for smart meters. It took 9 months to get our. So they may not push too hard. Or ask if you can install your own choice of meter. The Electricity Act 1989 cover this in Schedule 7 (2) and (2A) https://www.legislation.gov.uk/ukpga/1989/29/schedule/7 Or fight the them and their enforcement. Or go off supply.
    • We received a copy of the completed Directions Questionnaire (N181) from the solicitors along with a draft copy of their directions. I am on a course today so can upload over the weekend if needed. By 4pm on 16th May both parties must each give standard disclosure of documents by way of list by category. By 4pm on 30th May any request for inspection or copies of docs must be made and compiled 14 days thereafter. I will provide more over the weekend.
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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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
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Kenodoki Vs Halifax * * WON * *


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Hi, I have only just heard about this, so its very new to me. I am about to send my DPA request but don't have a chequebook. I'm not a fan of Postal Orders. Can I just ask halifax to take the fee from my account?

 

Thanks in advance!

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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Hi

 

It didn't work for me but you could try it. Or alternatively email all the following to request them or ask them to send to you a list of charges incurred during a set period.

 

[email protected]

[email protected]

[email protected]

 

The customer relations sent me this list without me asking for it ;)

 

Good luck

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Thanks Laura. I've just rang them and they are sending me my last 6 years statements.

 

Watch this space...

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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  • 2 weeks later...

I received my statements a couple of days ago. I have now worked out the charges. They were £584! And they kept going up! They started at about £28 and are now £39. So I have now prepared the Preliminary Approach For Repayment. I will be sending it in the morning. I just have a couple of questions.

 

1. Do I ask for all charges? Or do I take £12 off each one?

2. Do I ask for interest?

3. I am sending the letter to

Halifax plc

Customer Relations

PO Box 548

Leeds LS1 1WU

Is this correct?

 

Thanks in advance!

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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It's ok. I've just read the FAQ and from it it seems to say I ask for the full charges back but I don't put the interest on. I'm sending my letter to the Leeds address later this morning...

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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I've just recieved a letter from Halifax. Its the standard reply. Its from a Jane Preston.

 

It says thankyou for the letter on the 4th may. It then says sorry to learn about my concerns regarding charges on the account. Then it says they are keen to deal with it but will happen no later than 4 weeks. It then gives me a leaflet on how to handle my complaint.

 

They are so predictable. I guess I now wait until the 18th.

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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I've just recieved another letter from Halifax. Apparently they have tried to contact me to 'discuss' my complaint. They said that they incur costs whenever a direct debit or any item is returned unpaid and they are only passing the costs onto me (it costs them £39 to bounce a direct debit!!?!). It then says they clearly outline there charging policy and therefore the charges. But then they have offered to pay me £105 as a gesture of goodwill. They have given me an acceptance form to sign and send back! Cheeky!

 

I am not sure what to do. I am not going to accept the offer. But should I ring them or just sit tight an wait for the 14 days to pass?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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hi there

 

im in the same position i am still awaiting 6 years of statements. They sent me a standard letter like yours and offered good will guesture of £170 i think they sit there and make up a sum, anyway i would only accept the offer as a interim offer and that you will be still pursuing for the full refund. thats what im doing as my charges are for more than £1000. they wouldn't offer you that amount for nothing they know they are in the wrong stay strong you want FULL REFUND.

 

goodluck keep us posted

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Guest Lueeze

Ignore it, or write back saying you accept it, but will persue the remainder in court!

 

They wil withdraw that offer.

 

Dont call them! Just file CC when the time comes!

 

Good Luck

 

Lou x

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  • 2 weeks later...

Thanks All! I have decided to ignore it and wait for 14 days to pass. It has now passed and I am sending them an LBA in the morning. Watch this space...

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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Hi again guys. The letters I have received so far have been from a Louise Curran. Shall I address the LBA to her personally?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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  • 2 weeks later...

Hi guys I think I've messd up somehow. I forgot to send the LBA by recorded delivery, will this mean that the bank will deny they received the letter? The 14 days run out tomorrow and I have received no letters from them. Do I send another one by recorded delivery giving them more time or shall I carry on as normal?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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As long as you have a copy then it will be fine as a letter is deemed served 2 days after posting even if the reciever says they did not get it.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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There is no need to send any of your letters by Recorded Delivery. The courts will just assume any letter you have posted have been delivered.

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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I think it is best to use a registered postal service so you have undeniable proof that they have received your letter. Just ensure all future correspondance is sent recorded.

 

There really is no need - The Civil Procedure Handbook states that if it was sent by Royal Mail, then it's as good as delivered - obviously the wording is slightly different

 

Having a copy of the letter should be considered proof that you have sent it.

 

Obviously if you want to send it Recorded for your own benefit then fair enough, but personally I wouldn't bother.

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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Thanks everyone! I was getting a tad worried there! Nearly there! I'll keep all posted...

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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I'm filling out my Money Claim form, I was just wondering which address I use as the defendants address. Their main address or the one I've been writing to?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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Oh no! MoneyClaim doesn't accept my card! what shall I do? Will this affect anything since I am now filing late?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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  • 1 month later...

Sorry I haven't updated for so long. I've started my claim (on the 5th of july). i have not heard anything from Halifax at all. I used Moneyclaim in the end (using my girlfriend's card). I am claimng for £584 plus interest (which brings it to 681.67). I am also claiming back the £80 court fees. It says they have 28 days from the date the claim was issued to reply. Now to wait...

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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They have paid me back in FULL! I recieved a letter today saying that I will be paid £761 within the next few days! Woooooooo! They told me that since the case was going through small claims court it would cost them too much to defend it and they wouldn't be able to reclaim their costs if they won. So without accepting liabilty they will pay up (as a goodwill gesture apparently). Which I suppose ammounts to saying that they think they are still right but they will pay up.

 

Anyway, thanks to everyone at Consumer Action Group for your great support over the last few months.

 

Admin, can you add PAID IN FULL to my thread title? Thanks.

 

Also how do I donate to the site?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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Anyone know how I change the title of my thread?

04/05/2006 - Prelim req for payment sent.

24/05/2006 - Letter before action sent.

05/07/2006 - Claim started for £681.67 + £80 court fees

28/07/2006 - PAID IN FULL:£761 (thanks to CAG!)

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Ken - CONGRATULATIONS!!! So glad you won - this has inspired me to chase hubbys charges back!! :oops:

 

I am about to start this process on behalf of my husband - can you tell me which address you sent the £10 to requesting the statements please??

 

I have looked here and couldn't see where to send for this (OK - I am probably dumb and it's under my nose??)

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Made up for you mate, Just sent my forms to the court so hopefully ill be in the same boat as you.

Data protection act letter sent to Halifax - 20/06/06

Halifax statements from 1998 received - 29/06/06

Halifax account charges totals - £2492

Preliminary letter sent to Halifax - 30/06/06

Recieved fob off letter from bank - 08/06/06

Recieved a offer of £297, what a joke - 13/07/06

Sent LBA - 15/17/06

Filled out and sent Money Claim forms online - 03/08/06

Recieved £2747.97 from bank, £120 court fees missing - 11/08/06

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