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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

121o121 v Halifax CC ***SETTLED IN FULL***


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With my LloydsTSB bank account claim settled, I'm eager to start on both my credit cards now, Halifax & Cahoot.

 

I made a subject access requests to Halifax a few weeks back, and have today received my statements. Pressumably the two fee's claimable with credit cards are "overlimit fee's & late payment fee's"?

 

Regards

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Thank you Gizmo111.

 

I'm even more determined with the Halifax as they are the only ones to cash my £10 cheque!

for FAQs & Step By Step

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for Templates Library

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for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Make sure you claim that tenner back too!

 

A D

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Top of my list mate!

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Prelim sent 8/12/2006 for £565.00.

for FAQs & Step By Step

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for Templates Library

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for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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hi 121

just a quick question, did you get all your info from your SAR in one lump?

I'm really perplexed as I got mine today but all I have is from 2003 - beg of 2006, just wondering whether to hassle for the rest of it they might come seperately?

good luck with your claim

Apple x

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Hi Applecrumple

 

My statements start from 2003 and continue till present. I estimate I am missing approximately 2 years worth (2001 - 2003). I have sent a non compliance letter and suggest you do the same.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

for FAQs & Step By Step

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for Templates Library

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for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Halifax are the only ones that cashed my £10 cheque so it's even more important I get all my statements from them.

 

I have sent my prelimary letter as I can adjust the amount right up until I file the claim. That gives them 28 days to forfill my request.

for FAQs & Step By Step

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for Templates Library

click here

for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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LBA printed and ready to send tomorrow.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Enjoy the trip to the Post Office (you are sending it registered?) LOL

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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No, I won't send it registered. All my letters to Halifax, Cahoot & LloydsTSB have been normal 1st class to date.

 

That'll get there.... :rolleyes:

for FAQs & Step By Step

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for Templates Library

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for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Have received a letter from the Halifax this morning.

 

It says that my account was opened on the 1st of April 2003. However I know it was opened before then.

 

I had reported my card lost/stolen once and I was given a new account number. I'm presuming that the statemetns they've sent relate to just my new account number and not my old one.

 

If this is true, I presume I would need to write to them again with the old account number (if I can find it) and send a seperate SAR? Aslo it would be 2 claims to start?

 

Has anyone else had experience of this?

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Probably worth giving them a call. There should have been a name on the letter they sent to advise they were sending statements out, although there may not be a number. Try 01422 380880, the main switchboard at Trinity Road.

 

If you can find the old account roll number then ask them to provide details on that as well, pointing out the problem that caused the account to be changed.

 

Depending on the total, you could lump them together in your claim. Just keep the details seperate so they can also do the calculations.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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thanks hillards, thats a job for the new year.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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  • 3 weeks later...

Sorry for the lack of update....

 

I have today received (in response to my LBA) a letter saying...

 

"To demonstrate our commitment to you as a valued customer I have refunded your account with £565.00 which represents the total charges on the account."

 

Its the full amount I asked for, with no conditions attached and I didn't even start the MCOL.

 

RESULT!!!!!!!

 

Another donation on its way!

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Oh, that's not on!

The rest of us were not valued customers then ???

Seriously though, well done on your win!

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Thanks, I'm not sure why they've done it.

 

Reading other threads it doesn't appear to be the norm for Halifax, but I'm not complaining.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Great news - congratulations!

 

(Don't forget the SURVEY too...)

..

.

 

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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CONGRATULATIONS......

 

Also quick question, are their any implications on claiming for credit card charges, was wondering whether to do hubbys but don't want to loose card facility or have credit limit reduced.

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hi doo

 

well i never had my account closed or my limit reviewed, but i cannot guarantee they won't. have a look at your card issuers sub catagory and see how they deal with their claims.

 

good luck.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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  • 2 months later...

hi, just received credit card statements from the Halifax this morning, but only upto August 2006. I called them up and they said after 2006 they were only charging the £12.00 pound charge and would not be refunding those charges. Is that correct or can I claim for those aswell.

 

Also did you only ask for 8 % interest , as they have charged purchase interest and also cash advance interest and have shown the interest rate on the statements. Should I be asking for the 8% on top of those each month

 

I know I sound a bit thick, however I already claimed through my bank account and got full amount plus 8% and costs. Dont want to rock the boat but some of the purchas interest is as much as 15 a month.

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