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    • Hello and welcome to CAG.   I expect people will be along later with answers for you, as and when they're able to get here.   Would your parents' GP back your father up in being at risk if he carries on working.   Here's information from ACAS in case there's a nugget that's helpful.   https://www.acas.org.uk/coronavirus/vulnerable-people-and-high-risk   Best, HB
    • Miley-was there not a third sheet from DCBL explaining that they were acting as debt collectors only? If not,  a complaint  should be made to the FCA querying whether they are fit and proper to retain their licence.  Many people will be frightened that they have bailiffs about to knock on their door when there is no way that it could happen unless one had lost at Court and then been unable to pay the fine within an allotted time at the very least. And had the fine been paid within one month there would be no  record of the CCJ on their credit report.
    • Hi Emmzzi,   We have been asked to sign the T & C’s for furlough. I was already working from home for protection and wasn’t sure of selection criteria used as not all employees are being furloughed. I could still work from home but employer now wants to furlough me.   Nic
    • Just have an outline of your proposed defence should the court set a side.
    • Hello, I am looking some advice for my elderly father. He is 79  years old. My mother is 73 and in poor health with several medical conditions (none of which meet the 'high risk' criteria the govt has set out however). Both of them have had to stay indoors since mid March because of their age if they catch the virus they are ulikely to recover, and there are plenty of cases of it in our local area. My father has been working for a company delivering car parts for several years to make a living, its a minimum wage job.    We checked the government guidance in mid march which seemed to suggest he was eligible for statutory sick pay as he met the requirements. He tdiscussed this with work who said they would look into it. However the employer has refused him SSP because he is not symptomatic, he's just staying at home so that he doesn't catch it and die.   They have also refused to furlough him because they are saying there is still work available for him and he can come back any time, completely ignoring the fact that it would be at great personal risk to do so at this time, and would also put my mothers life at risk as they live together.   Is the employer correct to refuse both of these? I have read the information from the government over and over but can't see anywhere that says whether employers can outright refuse even just basic SSP, I thought that was illegal?   Since work has kept him employed he can't claim jobseekers or anything like that. Is it just expected for him to go back to work and just hope not to catch it and die? It seems very unfair. My parents have worked hard and paid their dues their whole lives, never claimed a penny in benefits and still having to work in old age, and now something like this happens it seems there is no help for them. I can't seem them being the only ones who will fall into this category and be left to struggle. I am so shocked and disgusted at the way employers can act like this, even when the government is willing to pay 80% of the wages they still won't let workers have it, especially given that it would be out of pocket expense for them until the govt money comes through at the end of april for it. 
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I was born a fighter so watchout Halifax and Nat West

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I saw a programme on morning tv with the money savings guy on and that started me off. I then watched and recorded the BBC 2 programme about these bank charges. The more I watched the more I got angry. Halifax took nearly all my wages last Nov, Dec. I had nothing no food in the fridge and with other problems in my life at the time was close to a nervous breakdown. When I called the Halifax to confront them, I was crying uncontrolably, all they did was extend my overdraft and now that I know they were getting wind of all of this at the time I am disgusted with them.


I before Christmas telephoned the Halifax, who obvously knew why I was asking for backdated statements, were very good and polite and advised me I only had to pay £5 for these statements not £10 as I thought. I then called Nat West who I had been with for most of my adult life, but closed the account because of charges and the way they treated me, They were very good and also said I only had to pay £5 for statements.


I recieved all my statements from Halifax a week ago and went through them and to my surprise it came to 3013 pounds. I only thought it was around 1000. I sent the letter and copy of dates of charges and amounts on Monday 1st of Jan. They recieved it Tuesday and I had a reply today 4th of Jan. It had a letter pointing out the terms and conditions (they sent me a letter a week ago telling me they have changed their terms and conditions, not that I understand it anyway, with a copy of them too. Also a card with a number for my complaint. Nothing else was said. So I e-mailed them pointing out that I am claiming for charges incurred before they changed their terms and conditions. I was e-mailed asking for my telephone no. Which I did send and the girl explained that as there was no manager available she had to send it to head office to be dealt with and she also forwarded my e-mails to them. So I am now just waiting to see. I have told them I have not put any interest on the amount but if this goes to court I will ask the court to add it on.


Nat West have not called me yet to get the statements. I know that their amount of charges is going to be greater than Halifax and cant wait to find out what they will have to give me back.

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Typical story

Welcome to the site.

You need to read up fully the faqs is a good place to start as well as the bank forums where you should start threads for your respective claims.

The process is the same for both banks its well worth investing some time to brief yourself.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Hi Lesley


The charges are unlawful before and after the changes to their terms and conditions, so you can ask for them back. Once you have your statements, go through them thoroughly and add it all up. This applies to any credit cards you have also. Halifax are easier to deal with compared to Lloyds.



Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


Remember: The Ark was built by amateurs-The Titanic by professionals.


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If your claim is successful, please donate 5% so that it can continue to help others.


Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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