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    • S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf   p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct.   What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply.
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
    • think about it, if you don't pay the full amount, what more can they do , default you  they've already registered a default notice by that point.  why have you got to await sale to a DCA.... for what?  
    • I see what you mean. In terms of resuming payments does it matter the amount?  I read that they eventually sell these on eventually anyhow ? But I guess based on what you are saying this is years in the making and I may as well wait for one to be sold on?
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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Cariad v Halifax ***SETTLED IN FULL***


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Hello everyone. :)

 

I sent my letter requesting details of charges levied to my account on the 18th April and suffice to say I'm still waiting a reply.

 

This forum has been a godsend as I have been toying with the idea of taking action against them for some time - such a relief to actually have contact with fellow victims. 8)

 

I am a working single mum with two primary school age children. I actually work as a legal executive so the legal side of things is thankfully familiar to me. My income isn't that bad but a very acrimonious divorce has left me with very little in the way of diposable income - ridiculous mortgage (house has been on the market for over a year - that's another long story :rolleyes: ) and old joint debts etc. For years I was a "model" customer but since 2002 I have been stung time and again. Only last month BT took their DD a week early (they've apologised but can't explain why it happened) and I've been charged £148 - that was my food/petrol for a fortnight. What really lit the fuse though was the charge of £88 (two lots of £30 and £28 for NOT going overdrawn. :grin: My statement shows nothing as apparently it's recorded on there alphabetically whereas at head office they note the debits first then add any credits so at head office I was £6 over my £90 overdraft limit for 5 or 6 hours.

Sheesh!

 

When I have tried to negotiate with them to reduce my unauthorised overdraft (caused by bank charges) over a two month period they refuse point blank and insist I manage my affairs more responsibly.

 

I will keep you updated and if there is any advice you think I would find useful please let me know. :)

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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LOL....I thought I'd be cheeky and call them to say I wanted the charges levied over the last 6 weeks refunded - about £150 - which I need desperately as thanks to them debiting £88 last week I now have no money at all to feed my children or put petrol in the car to get to work. :mad:

 

I got through to Douglas bless his little cotton socks who was thoroughly confused by the fact that I wanted them refunded when - as he put it - "but you went overdrawn". :D

 

He offered to refund one of the DD's (after speaking to his supervisor) but that would just have brought me back to my maximum OD limit. He did say in a beautifully resigned tone "that's just not going to be good enough for you is it?" I said he could happily refund whatever h eliked but I would be pursuing it all. There was a 40 second silence (he was counting) before he replied "What? All 31 of them?" :o :D

Less than I thought actually since September 2001. I wonder if he's included the £28 charges for exceeding my over-OD limit? :cool:

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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Oh yeah..I did ask to speak to the supervisor but was stuck on hold. He eventually said he would refer my call to the Complaints Dept but all their lines were "busy". ;)

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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Busy dealing with their deluge of DPA letters, preliminary letters, LBA's and Court claims, no doubt!!!!

Halifax Joint A/C - Data Protection Act letter sent 2 May 06.

Preliminary letter sent 6 June 06.

LBA sent 27 June 2006.

Halifax Standard Derisory Offer received 12 July 2006.

MCOL Claim Filed 1 August 2006.

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Classic!:D

Halifax -

LBA sent 12/05/06 for £1,232

 

Make a donation

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.co.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim your rights as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

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I see that you recommend having a standby account ready in case Halifax get really arsey.

I'm really worried that because of all their shenanigins I've been blacklisted and won't be able to open another account.

 

Any recommensdations about who best to try?

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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LLoyds tsb seem pretty good for current accounts. If you have a look on the moneysavingexpert website, he gives a breakdown of all the accounts and the benefits pro's&con's.

 

Im' opening a spare one with Lloyds tsb incase Halifax start being idiots.

 

 

Hope this helps.

 

Peace Man:cool:

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yeah, I'd have a look at both the moneysavingexpert.com and moneysupermarket.com to see what the best one for you is.

 

how did you manage to last a 40 second silence without laughing at them?

 

Think it would be cheeky to apply for a halifax visa after all this? hehe

laura

 

DPA sent to Halifax 7th March

Request for Repayment sent 5th April £407

Offer of £238 received 21st April

Acceptance of offer but not as FFS & LBA sent 21st April

Papers taken to Sheriff Court 15th May - hearing set for 11th August

SETTLED 9TH JUNE £407 + £39 EXPENSES :)

 

Request for Repayment of charges sent to GE money (Monsoon) sent 28th April

LBA sent 12th May

Called GE Money who denied receiving any correspondence, cheque should be sent out in the next 7 days...

Cheque received 7th June

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I have since moved to Barclays and when I opened the account i said it was because of the cost of charges that Halifax applied to me.

 

I have now been off sick for a while and went overdrawn,the bank phoned me up, arranged an overdraft to cover the costs and they have not charged me once.Infact at this precise moment I can not fault them.

DPA Letter sent 28 Feb

  • Statements Received 24 Mar
  • Prelim sent 24 Mar
  • LBA sent 12 Apr
  • MCOL 26 Apr
  • Acknowledged 3 May
  • Coming soon:

£2810 inc int. Halifax. Done and Dusted 16/05/06

Dont forget to donate

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My only advise would be to not speak to them on the phone. I learnt the hard way - only this morning! They just keep repeating, repeating, repeating themselves. They are like robots and start to confuse you. Us hard done by women need to stick together.

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Too right driller. :D

 

I've just chased my statements with Evaleen and she's assured me they will be with me in three bank working days so - middle of next week it is then? :rolleyes:

 

That is a load of nonsense anyway as they happily took funds from my account on Bank Holiday Monday (1st May) but apparently could process any credits.

 

Trying to be careful as I'm mid house move and although I'm porting my current mortgage (tied into ridiculous redemption penalty til the end of this year) they still want written confirmation from the Halifax that ex pays the CSA assessed maintenance regularly.

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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how did you manage to last a 40 second silence without laughing at them?

 

Think it would be cheeky to apply for a halifax visa after all this? hehe

 

Bless...I could hear him counting. :D

As it happens I have a Halifax Visa but never use it. ;)

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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And many, many thanks for the bank tips. :)

 

I'm in a quandrary about whether to set something up now or wait until I've moved - but that could be another month or two away. My finances will look one hell of a lot better once I've sold this place. Whoever said women come out of divorce better off eh? :D

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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To cover our costs, we make a charge of £39 (maximum three charges per day) for any item we can't pay. We will take this money from your account seven days from the date of this letter. If this causes you to have an unauthorised overdraft, we will also charge you interest, at the unauthorised rate, and a monthly unauthorised overdraft fee of £28*. However, if your unauthorised overdraft is £30 or less the unauthorised overdraft charge will not be applied.We appreciate that nobody likes paying charges and we'd like to help you avoid them in future.

They are so kind aren't they? :D

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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I would set up another acc straight away if you can Cariad. They took away my o/d and froze my acc which meant I couldnt get my money when it went into the account. Cover yourself incase they turn nasty!

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

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Yikes!!! :o

 

Will try to although I am worried as I know they've registered my disgusting fiscal habits with a credit reference agency. :rolleyes::mad:

 

So have one or two others (two old credit cards and one unsecured loan) because I couldn't pay their instalments if the bank had taken their charges.

 

I am worried that no-one else will even look at me and I'll be left bankless - which would be delightful but I have bills to pay. I'll try a lloyds tsb basic account. I don't even need an overdraft - the one I have with the Halifax is only £90.

 

And to think I laughed at my grandmother stuffing her money under the mattress. :D

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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thought this might help you should be able to get a nat west step account you can even apply on line this is a basic account but you do get a debit card aswell

 

Thank you hon. :)

I'll give them a go later.

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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Thank you hon. Fingers crossed.

 

Thank you for your application.

 

We are delighted to inform you that your new account has been agreed in principle.

Your documents will be posted to you straight away. Please check these when you receive them, sign where indicated and return in the pre-paid envelope provided.

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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Well my Nat West STEP account is all set up. :)

 

I sent my DPA request off on the 18th April but despite 2 written chase ups and 1 emailed one and 3 or 3 phone calls not even an acknowledgement this end. **sigh** Is this normal? Other people seem to have had their statements through pdq. :-?

 

I have also raised a seperate request with them for specific information requested by my mortgage company in relation to my (hopefully) house move. I was told this was posted 2 days ago but nothing yet.

 

Have I confused them with two different requests you think? I hand delivered my DPA letter to my local branch with a tenner in cash and they've paid £5 back in.

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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cariad, sorry to hijack your post but i am asking you a question

 

ive just had my natwest account through and they need some identification from me from table a which is bank statements as far as i can see, and i dont really want to send my halifax bank statements cause they are well over my agreed overdraft limit, can you let me know what you had to send hun many thanks

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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cariad, sorry to hijack your post but i am asking you a question

 

ive just had my natwest account through and they need some identification from me from table a which is bank statements as far as i can see, and i dont really want to send my halifax bank statements cause they are well over my agreed overdraft limit, can you let me know what you had to send hun many thanks

 

No worries hon. Anytime. :)

They didn't ask me for anything but that may be down to the fact that I've lived here for 6 years and been in the same job for nearly 10 years and were able to confirm details direct with my employers, who are well known in South Wales.

Will they accept a utility bill or driving licence or passport? :-?

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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ahhhhhhh, that maybe the case because ive only been living at this address for just under a year, im going to have to phone them because the only option they have given me is bank statements no less than 3 months old, and no other option, and there is another option for birth certificate but sadly that is for someone under 20 years old i wish lol, do you think its wise being honest with them and tell them about halifax, i look kinda irresponsible with my account but again its the bank charges that took my money and so i had to use cheques to feed me and my 4 children on, or shall i just send it and see, i could use the excuse that i have paper free online documentation, but i just dont know which way to go with it all

i really really need a basic bank account!!!!!!!!1

 

 

 

thanks cariad xx

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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It is the most basic account and you don't get a cheque book with it so no question of you doing the same thing there. Plus you're not after an overdraft are you? I think they just want to make sure it is you - might be worth calling them tomorrow. You have to do something after all.

 

I'm sure they've heard it all before. But I've not banked with them since I was a student back in the 80's to know what sort of reaction you'll get.

 

Might be worth posting on your own thread to see if anyone else has been in ther same boat. :)

 

Right...I'm off to bed. Lt's hope that letter arrives tomorrow. :rolleyes: I really need to get a move on with this house move. It'll only be 200 yards but should make a huge difference. Once I have that I can start really hassling them for my statements. :evil:

 

Nos da xxx

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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