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    • Letter from court is asking that I submit to the court and the other party no later than 14 days ahead of the hearing  a "witness statement?" I assume this will give more detail than the original defence I filed?   It states I must:   Start with name of the case and claim number Full name and adress of witness Set out witness evidence clearly in numbered paragraphs on numbered pages End with this paragraph "I beleive that the facts stated in this witness statement are true." be signed by the witness and dated    
    • Thank you. You shouldn't be claiming for the return of half the money. If you are claiming on the basis that this is an unenforceable penalty or an unenforceable unfair term, then the entire term of the contract. The void and unenforceable and there is no power in the courts to make an apportionment.  Therefore your claim must be for the entire £450. Personally I wouldn't allow them to get away with any unfairness. I'm extremely dubious about the other term which apparently allows them to take ownership of the dog if it is not collected within 14 days. They are only entitled to recover any administrative expenses caused by any breach – assuming that the breach is yours. Have you asked them to account for the £450 and to explain why this might amount to their administrative expenses? Of course it can't possibly do because as that is the full cost of keeping the dog then there must be a margin included in the £450 which represents their profit – otherwise there would be no point in them running the business. Of course, if the breach is theirs then they would have to return the £450 to you plus any other losses that they had caused you. For instance, if your daughter had been put to any loss which you had to reimburse her for then it might be reasonable for you to claim that as well. Let us know. Have you send them a letter of claim yet? If you want to be super-nice then you might offer them a small sum by way of administrative expenses as an alternative to forcing you into legal action. I would suggest no more than 70 quid – but I think first of all I would invite them to account for the £450 and explain why they say it equals their administrative expenses. I don't expect that you will get any reasonable answer and they will simply say that it is in their terms and conditions – but at least you will have something in writing from yourself – and then from them to show firstly that you have tried to be reasonable about your approaches to them and secondly that they are merely relying on terms and conditions and it has nothing to do with administrative losses  
    • Hi All,   I have recently received the  Letter Before Claim from Gladstones Solicitors,   I have previously appealled original PCN with One Parking Solution and  POPLA to no avail, despite my vehicle being recorded on the site 1-2 minute to turn around there and 3 minutes stopped at the entrance (not parked) so 5 minutes in total having pulled off the public highway momentarily. Not to park as advised to this rather nefarious company!   Would welcome the advice on what to do next please, Thanks in advance,   RATPCN  
    • I would suggest that you call UC and request mandatory reconsideration (MR) of the decision to pay the LCWRA arrears to DWP debt management towards this disputed Housing Benefit debt.   They cannot refuse the MR request.   Reasons for MR.   1) Housing Benefit debt is disputed and subject to Court Tribunal process.    2) The DWP decision makers letter to award the LCWRA does not mention any decision to pay arrears towards debts. UC are therefore making a decision, without informing of any legal rights they might have to act in this way.    When you make the MR request, ask to submit further evidence within the 30 days allowed. Then send copies of any dispute about the debt.   You could also contact the Council to see if they are happy for health related award money from DWP being paid to them. Send a complaint to Council that you are not happy with this.    
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Mjm998

Halifax credit card mishandling complaint. No statements for 31 months

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Ah.... thats why the statement stopped...its basically a bad debt and most probably transferred to their recoveries.They do not issue statements on bad debts as its most probably all ready been wrote off and tax claimed back against it.

 

Im very surprised its not been assigned to a DCA by now.

 

I think it would be prudent to send a request for the agreement using a section 78 request...lets see if they have an enforceable agreement.(template in our library)

 

Bank the £200 and once cleared send the above and see what response you get....then you can revue your own position on whether you want to keep making payments into a black hole.

 

 

Regards

 

Andy


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No,

they closed it because they wrongly marked it as having the card reported stolen.

 

They've owned up to all this in writing, and telling me I wasn't eligible for statements as my account was closed.

I never defaulted.

It got lost in their 'fraud' section,

account number was changed

and they just wouldn't fix it

(or admit any of this till I issued the SAR)

 

They cocked up big time and admit it in writing,

but FOS say £200 is reasonable for 31 months of mishandling

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Well I would still consider the above in view of the interest and your payments having no effect on the balance.


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trying to work out if I'm at the end of the road here.

 

 

The FOS email states:

 

I understand that Halifax should have provided you with statements and/or information as per legislation and the information issued by the UK Cards Association.

 

 

However, Halifax have accepted it did not provide you with statements with that information which in my opinion is reasonable.

 

So they have gone against regulations for 31 months but the FOS say admitting that is good enough. I'm guessing they win?

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Forget the FOS...take matters in to your own hands and do something constructive as I have advised above.


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Ok, thanks.

so if I send off for a copy of the credit agreement then what would I do next?

 

 

Im so sick of them getting away with treating consumers like Rubbish

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Already advised in post#26 above...but if they dont comply within 12 +2 days then you decide whether to continue to pay or reduce it to £1 a month


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