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    • Hey, thank you very much again for your replies!   - We go to the branches and ask for business accounts, but as I give them my personal name they register them as sole trader accounts in their systems, regardless of my company name being on the agreement.  Suspended our services for high volume messaging -- that is not explicitly covered in terms and conditions Send us letters referencing wrong terms and conditions that we did not sign Terminate the contract and come with a random balance number. We argue unsuccessfully, but they don't follow up with the requested deadlock letter. Pass our account to Lowell in 2017 I pick the account back up when I notice it is affecting my credit file in 2020 I work on the case for about three weeks and file a complaint with CISAS I give Lowell my contract and they see it is my company's name on it so they pass it back to Vodafone Vodafone wants to settle my account quoting they should not charge me anything on the first place and they offer £250 as a compensation for distress. I mistakenly accept the offer because of confusing wording and thinking that the third party adjudicator was already involved in the case, although they would basically get involved on the later stage.  I make a complaint as per CISAS and try to reverse the settlement in the system and have third party adjudicator having a proper look into my case and hopefully reward me a much fairer compensation for all the damages.    I have made a SAR request with both Vodafone and Lowell so far, but still waiting for the Vodafone to send it.    I am now waiting for CISAS to respond, but because I am still upset how much damage this has caused me I am considering taking them to small claims court.  For that I am researching what are the acts I would have to reference in that case.   Obviously Consumer Rights Act 2015 and then Data Protection Act 2018 and perhaps some acts regarding entering into contractual agreements -- can you help with that maybe?        My main concern at the moment is to how to express claims well in a legal language, because £250 they offered feels just patronizing given that there has been everything clearly written in black and white, yet I have had to go though this damaging and humiliating experience. 
    • Cooling off periods do not apply to faulty items. The cooling off period relates to a distance purchase of an item which is of satisfactory quality. Where an item is faulty then it become subject to the rules under the Consumer Rights Act
    • I understand the cooling off period for online purchases, but this is a little different due to the item being collected/paid in person.    A used item was recently sold by auction on eBay. The seller inspected, paid with cash and collected the item in person.    The buyer is now claiming the item to be faulty.    If this transaction was completely remote and the item posted, I would absolutely expect the buyer to be entitled to a refund.    But as the transaction happened in person would the point of the money changing hands be when the contract is made? Therefore not giving the buyer any cooling off period?   I think this is the key information; Used item Paid in person Working when collected Private sale   Thanks!
    • This article has some useful information on how things are working during the Covid crisis.   https://www.theguardian.com/money/2020/jun/06/a-guide-to-probate-everything-you-need-to-know   HB
    • Insurers can't call it a claim if you didn't make a claim under the policy (so they can't, for example, use your call to reduce your NCB).   But many policies require you to report any damage to the insurer even if you don't make claim, and this is usually one of the questions asked when people are getting quotes through online sites. There is nothing to prevent an insurer increasing your premium if your car has been damaged even though you didn't make a claim. It feels unfair, but that's what's allowed. (Insurers' logic is that if you have had a small accident that you haven't claimed for you are statistically more likely to have another accident and next time it might be larger. I know that doesn't sound very logical when it's a tile falling off a roof, but "the computer says".)
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willmurr6

Won second summery claim

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Hi all,would just like to let yous know have just checked online banking and halifax have paid my second summery claim,so can a moderator move it to the won section please.I will also make a donation once i find a way of doing it,as i dont have a debit card or credit card.Thanks again to this great site,off to start 3rd claim them 1 small claim to go.:D :D

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Well done Willmurr... im still struggling with mine because Halifax are faffing around with my IVA.. But well done you..

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CONGRATULATIONS!!!!

i am still waiting for them to put my money in the bank!!

claire


Halifax have settled!!!!

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Hi All

Haven't posted for a little while so thought i would update,i have filed my 3rd summery cause claim with one more and one small claim to go,so thought i would give halifax a phone on wednesday to see if they would be prepared to just pay it at all at once and lo and behold they said yes.so am waiting on letter to confirm.Also i have been told my account is out of head office control so they have ordered a new debit card and cheque book for me,so at long last i will be able to DONATE to this brilliant site.Will post again when i receive funds,and good luck to all yous who are waiting.

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Congrates.... Ive won mine also, but as prviously posted they were faffing around because i have an IVA.. alas in my case because of the IVA they idnt pay me, they sent a cheque directly to my insolvency practitioners.. and guess what they said.. thanks very much we will add it to your estate!! so even though i won.. i wont see any of it.. despite it being in my contract that they can have 50%..

 

Have stareted ball rolling now with Nationwide, but they werent involved in IVA so Sshhhh and also sent off for Halifax credit cards x 3, lots of charges there.. but like the last they will send it to IVA, but it reduces my debts so im not that concerned..

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Hi

 

Can i ask if you signed the acceptance form they sent you as I sent a letter of acceptance which they refused to accept as the conditions on it was that they could apply future charges.They have rfused to refund the funds of £1,718.00 due to this

Should I just sign and post there acceptance form they claim agin for other charges

many thanks

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Hi Shearers

In reply to your post,we haven't received the acceptance form yet but will only be signing it if the conditions suite us.We have another 2yrs to claim from bos as we only put our first claim in from when Halifax merged.so will be going for more.All the best with your claim.

Willmurr6

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