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    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
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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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Thank you Gizmo111.

 

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

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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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)

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Prelim sent 8/12/2006 for £565.00.

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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

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WON 121o121 'vs' LloydsTSB

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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.

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WON 121o121 'vs' LloydsTSB

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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.

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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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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:

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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?

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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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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.

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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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  • 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!

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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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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.

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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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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

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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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  • 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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