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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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not happy

should i take on the halifax

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hi just found this site and it all looks good just a bit wary of doing it,the halifax stopped my overdraft last time i complained,got it back it was their fault they said it had expired funny that they have never done it before wonder if it was my letter????now put of going ahead with all this but they have been so unfair,they are nice when it suits,reading this is giving me hope

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open another account with someone else first...............then proceed with your claim..................then it'll put your mind at ease! if the Halifax moan or close account you'll just have to then change all your DD's etc...........no hard work really..............good luck!


S.A.R - (Subject Access Request) sent 1.10.06 (chq cashed 6.10.06)

Acknowledgement recvd. 9.11.06...(1 day before 40 day limit)

prelim sent 13.11.06. (rcv.14.1.06)

ack.rcvd. 24.11.06

LBA letter sent 29.11.06

settlement offer 11.12.06 declined 13.12.06

called Halifax 0121-234-1068 3.1.07 ..........settlement letter for full amount of £1474 on its way ! won't be happy till money in my acct!

recvd settlement letter for the £1474. signed and returned. 5.1.07

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I have to admit, I had my doubts when I first got told about this site (thanks Gunny!!!) but now I've taken the plunge it's not soo bad. The first time I was told about it I didnt really believe it was possible, and I remained skeptical until Gunny got his payout. Not wanting to be outdone I took the plunge and I'm glad I did, I've already had an offer from Halifax for just under £2k and I happily refused it knowing that I will get everything (£2500) if I'm patient.

You really have nothing to worry about, if in doubt ask any of the thousands on this site that have had their claims settled. It's also nice to see a lot of them have hung around to offer support and advice to newbie's like us. In a nut shell, for the price of a couple of letters (recorded of course) you WILL get back all of your charges, money you thought you'd never see again!!! What are you waiting for?? :)

Good luck, get writing and get back what's rightfully yours!!!


HALIFAX - S.A.R Sent 11/01/06 :)

Prelim Sent 23/11/06 ;)

LBA Sent 07/12/06 :rolleyes:

 

Offer received 21/12/06

MCOL Issued 02/01/07:)

CLAIM PAID IN FULL (£2531.00) 18/01/07 :D

 

 

[sIGPIC][/sIGPIC]

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Too right, you will get all your money back as they will not set foot inside a court to defend this. Just read other ppls threads and get an idea of how they respond to the claims and check out the amount of people that have won. There are a lot. Including me.... £3385.

 

Good Luck


TezViper

 

I give advice not as an expert on law, only as a guy who succesfully claimed back £3385 from The Halifax. Followed by another £2611.

 

Lloyds TSB settled in full before hearing

 

Cap One offered full settlement and default removed.

 

If I help in any way then please donate to the site when you are succesful

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I was very nervous too - I even wondered if this forum was real - if the contributors were real people!! But when I got as far as my first offer from Halifax I knew it was real. I filed my claim in court yesterday - and I now just have to sit and wait.

 

One thing that has helped me is not counting on getting the money - just seeing it as an exercise really. Of course I know what I will do with it if I get it - but I have made plans to get what I want another way if this fails. That way you don't fele the pressure of it all really!

 

Hope that helps x


;)Halifax £1,240.00 - Preliminary Letter sent 6/11/06

:???:Standard reply received 8/11/06

:pOffer received 11/11/06

:rolleyes:Offer rejected 21/11/05 and LBA sent

:wink: Claim filed in County Court

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I think everyone on here was a bit nervous at first. I know i was. But the more you read the more confident you will become. Especially the people who have already won. But there is help everywhere on here, even to the daftest questions..! Trust me i know lol.

There is nothing to worry about and nothing to lose. Only gain.


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thank you for all your advise i feel reasured now,time to get things started wish me luck:)

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Luck not needed! :D


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. .

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