Jump to content


  • Tweets

  • Posts

    • Hi Folks,   Thank you for your help so far. Please find below the correspondence so far from various parties. If I've missed anything, please let me know. Again, apologies for not posting the correct stuff. I thought I'd lost it all, turns out it was on a rarely used pc Letter advising of change of address will be posted shortly, with proof of posting not tracked. Buncrana 1 Edited Notice To Keeper ECP.pdf 2 ECP Back of PCN.pdf 3 DRP Edited 25012021.docx 4 DRP Back of letter.docx 5 POPLA Appeal redacted.pdf 6 DCBL 30:04:24 Redacted.pdf ESSO Cobham Signage.pdf
    • Thanks just looked at SARequest It wouldn’t make ebay have to say why they suspended me. all their email said was that it was related to buying activity. But under that bike buying activity there are about five different reasons why it could’ve been. But they haven’t specified which of these five reasons it was.
    • Thank you Ethel, their letter was literally one line, with an added bonus of a typo..... "As you own the land that the property was damaged on we would not be able to dela with that aspect of the claim.", so I think it may be the initial fob off. I have replied just stating "This is not correct, the fence is owned by XYZ ltd, please clarify?", but will follow it up with a letter from the company. will let you know how I get on x
    • About a year ago i was summonsed to court for a speeding offence, long story short it wasn't me that was driving the vehicle, and i successfully proved that i had not received any paperwork (the reason it went to a summons) because there is a problem with our address, i live at number 7, yet when you look online to enter our address for anything you have 7, 5-7 and 7-9 on our street, one is my address and two are businesses.  The court ruled that there was an issue, and agreed i did not receive any paperwork (aside from me not being the driver)  i thought it odd that i never received anything in the post to say that, but they are the courts i assumed everything would be in order. Now just recently i have been using family members vehicles to get to work and have been insuring the vehicles on a temporary basis. Recently when using a comparison website i would get results and then when i went to make payment it would not let me advance, i had tried this on numerous sites and the same happened, i assumed that it would have been because i have used to many temporary insurances and it may have flagged for whatever reason. i went to check my license online, and i cant view it, it states below, i called the DVLA and they can not view any details either and have said they will need to raise a case internally to find out what has happened.  My wife and brother seem to think that the courts have screwed up not informed the DVLA of anything, hence i was banned. But surely it wouldn't have taken so long for me to stop being able to insure my vehicle on a temporary basis until just now?? Please can anyone assist as im worried sick now and ive done absolutely nothing wrong, i need my license for my job. .................... It has not been possible to display/match your driving licence. For further information regarding your driving licence details write to: Central Casework Group, Drivers Enquiries, DVLA, Swansea, SA6 7JL
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

jaxads v Halifax!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5909 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

But if you have no intention of accepting a better offer why go to the expense of a telephone call?

 

This is true - if you feel you should get every penny, plus interest and refund of court costs, then you shouldn't waste time calling for an updated offer.

 

If anyone does call to try that then they should be prepared for a little less than their full claim, and of course that means no 8% interest if settled before court stage.

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

 

Link to post
Share on other sites

  • Replies 83
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

YIPPEEEEE Well guys -- success!!! As my deadline had passed for the Halifax to respond to my LBA - and I'd not heard anything at all - I gave them a ring on the number on the letterhead of their original offer letter!! I spoke to a really pleasant guy who said nicely that did I not appreciate that it did cost the Halifax money to operate accounts where items were returned. I said "of course I do appreciate that fact, but the money you have earned in interest alone from my charges will more than cover any expenses you have incurred in running my account". He said he would send out a revised offer, 1st class in the post today, for the full amount requested of £2281! YEEESSSSSSSSSSSS !!!!!! Will donate once funds are through.

Happy happy happy happy!! (It's a shame I don't have any more accounts where I've been charged!!!) Eeeeeeeeeeeeeeee xxx

____________________-

Just to say, requested statements end of November, full offer made today - 4 Jan!!! Really quick don't you think!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Thanks Clara - it's a shame you and I couldn't go to the sales together - the shops wouldn't know what had hit them - lol!!!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Thanks sally -- just waiting for postie now with the "full amount offer" - I hope they've not changed their minds!!! x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Maybe the penny has dropped and they know the claim will rise with interest and court costs etc..well done you and well done Halifax.:)

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

Link to post
Share on other sites

They are prob so overloaded now, they are giving up fighting, hope you recieve your money soon. Well Done. Its nice to see peole around my time line winning already.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Thanks guys!!

 

Still waiting for postie!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

YESSSS!!! Postie has just delivered letter with the full amount in full and final settlement!!! Will get that sent back, 1st class recorded, today! On the top of the acceptance form, it has a SOLVE.IT REF:

 

Not sure how long it will take for funds to be put into the account, but I'm another step closer.

 

Good luck to all!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Well done Jaxads and thanks fr recommending your thread to so many of us newbies. Its a relief to hear that not all cases get to court stage as that is the bit that is worrying me the most.

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

Your Site Needs You!

and we need this site!

 

Please don't forget to make a donation!

Link to post
Share on other sites

I faxed back my signed acceptance yesterday, and also posted the original by 1st class recorded delivery. I've just telephoned them -- they have the signed acceptances on my file now at the lady I spoke to said she'd move it to the correct "pile". She said it would take 7-10 days, although will probably be through much quicker than that. She said for me to keep an eye on my account. Will keep you all updated. Gook luck all. jaxads x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

BRILL --- MONEY NOW IN ACCOUNT --- please can a mod move this to **WON** -- I've done the survey and will proceed to donate. Think I may chase up Capital One next, although don't think I'll have much in the way of charges, but every little helps!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

  • 1 month later...

Ouch!!!!

 

I was trying to be such a good girl!!!!! :(

 

But due to a mix up in payments I've had another charge of £78 (2 x£39) in one day from my beloved Halifax :o

 

Have any of you guys claimed against the Halifax a second time without them closing your account??

 

I'd like to ring and ask for the refund, but don't want to risk closing the account. Our credit rating isn't the best :rolleyes: and I'd like to stick with this account as we have a cheque book and debit card and don't know that we'd get that with another bank now!!!!

 

Any comments anyone.

 

I was trying to be such a good girl too!!!!

 

jaxads xx

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Bumpety Bump ----- anyone any suggestions??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

I have come across the odd thread where the customer rang Halifax and basically said as they have just settled do Halifax really want to go through this rigmarole again or can they be sensible/nice. Must be worth a 'phone call. Besides they have made a profit of £5.25 BILLION. Sally

 

 

Link to post
Share on other sites

Hi Sally -- thanks for that -- perhaps i should slip the £5.25 Billion into the conversation too - lol!!!

 

I may put it in writing and fax it to the guy to see instead of ringing him. I gather he's pretty busy at present!!

 

I was really trying to be careful too and not have any more charges. I wrote a large cheque out one day, which cleared much quicker than I thought, hence the two smaller ones got returned the very day I transferred the funds over --- I never seem to get it right!!!!

 

Best wishes

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

It is soooo easily done. We have all done it, Thats why we here..;)

Like sally says, a call cant hurt.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Thanks seaside lady --- I feel better already :) and I've not even contacted them yet!!!!

 

Best wishes

  • Haha 1

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Hi guys -- I've drafted this letter to fax off to the guy who settled my last claim, what do you think???

 

 

 

 

Bank Charges

Account Number:

 

I successfully claimed back my unlawful bank charges from yourselves earlier in the year. However, since that time, I have incurred the following charges on the above numbered account:

 

27 February £78

 

I do appreciate that it costs money to run my account, but we both know that it does not cost £39 per returned item. I also appreciated that you are very busy at present with the amount of people now reclaiming charges.

 

I am willing to settle for an immediate credit to my account of £146. This represents a charge of £5 per item, which I am more than happy with. I request that this be credited to my account withih the next 3 days, ie by close of business on Thursday 8 March.

 

Please be adviced that I do not wish for the account to be closed. This is seen as retaliatory and not looked upon favourably by the ((I need to look up who this is again)). I understand that A&L have recently been fined for closing accounts where claims have been made against them.

 

I did not sign any agreement not to claim future charges from yourself, as basically, if you charge unlawful penalty charges, we, as customers, are entitled to request a refund.

 

I look foward to hearing from you.

 

What do you all think ????

 

Best wishes and good luck all.

 

jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Anyone .........

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Looks ok to me...I would try and get away from using words like "yourselves" and "yourself" as it doesn't sound very professional.

 

"I also appreciate" rather than " I also appreciated"...wrong tense.

 

Finally, do you think 3 days is long enough? I know that they were quick enough to remove it from your account and that we're all used to setting our own timescales these days, but it seems a little short to me?

 

Sorry for the bluntness, its the teacher in me!!

Link to post
Share on other sites

Thank you Sir ;)

 

Will amend the Yourselves to "the Halifax" and give it a try.

 

Am hoping the 3 days to be ok. I'll fax it this afternoon as I have the details from my last claim so it should go straight to someone who can actually do something about it, as opposed to just getting the "will look into it within 4 weeks letter"!! If it fails, I will revert back to the original formula used for 1st claims.

 

Best wishes and thank you again!!!

 

jaxads x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

No worries! Just wish all my pupils were as open to my suggestions...day was going so well until Period Five...!! Oh well, another day over! Its LBA day tomorrow, so that's something to look forward to!

 

Good luck with your new claim!

Link to post
Share on other sites

  • 2 weeks later...

Hi All --- have just rang Kelly Duffy on the number published by Aarons Dad. I was transferred to another Department and advised that I would not be refunded any further charges as it said in their settlement letter to me that future charges would stand!!!

 

New prelim in the post tomorrow I think!!!

 

I did state that I didn't want the account closing and she said it wouldn't be closed as the Head of Retail Banking had announced accounts were not to be closed following claims. I Wonder why:rolleyes:

 

jaxads x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...