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    • 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.  

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      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.
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      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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Playbhoy v Halifax


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Firstly I would like to say hello to everyone. THis is my first post and I will start my Playbhoy v Halifax Claim in the appropriate section when I receive my statements.

 

However, just a wee note to say that yesterday I still hadnt received my statements. The 40 days runs out on Tuesday so I thought I would give the Halifax a wee reminder phone call as I am such a nice chap.:wink:

 

Managed to speak to a very nice Irish girl who checked the account for me then put me on hold while she found out why it was taking so long. She came back to me and insured me that the statements will be out next week and that they are very busy with all these requests.

 

I was just pleasantly surprised at how nice, helpful and polite she was after my previous dealings with the scumbags that phone up demanding me to make a payment over the phone or else there would be consequences.

 

So be nice to the people you get on the phone when you first call as they are only pawns (sp) in the big game. 8-)

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A good post- many people assume in this process that bank workers are the devil incarnate because of their experience with the bank, which varies from very good to very poor. Most Bank Workers are fairly nice and are pawns in the bigger game.

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I agree, they're just people doing a job like everyone else, they don't set the policies.

Halifax - Credit Card: 14/11/06 sent S.A.R, 29/12/06 sent Prelim, 11/01/07 1st bog-off received, 15/01/07 LBA sent, 01/02/2007 MCOL started for £1801 (inc court costs and 8% int.), 02/02/2007 MCOL cancelled... , 09/06/2007 Court claim started, 01/06/2007 Claim Acknowledged, 07/06/2007 Claim concluded, £1540 to be reimbursed into CC account.

GE Capital Bank Ltd - Storecards (3): 11/06/07 sent S.A.R, 15/06/07 Acknowledgement of S.A.R received

GE Capital Bank Ltd - Wife's Storecards (2): not started yet...

Nationwide - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Business A/C: not started yet...

and the rest I haven't remembered so far... : not started yet...

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Firstly I would like to say hello to everyone. THis is my first post and I will start my Playbhoy v Halifax Claim in the appropriate section when I receive my statements.

 

However, just a wee note to say that yesterday I still hadnt received my statements. The 40 days runs out on Tuesday so I thought I would give the Halifax a wee reminder phone call as I am such a nice chap.:wink:

 

Managed to speak to a very nice Irish girl who checked the account for me then put me on hold while she found out why it was taking so long. She came back to me and insured me that the statements will be out next week and that they are very busy with all these requests.

 

I was just pleasantly surprised at how nice, helpful and polite she was after my previous dealings with the scumbags that phone up demanding me to make a payment over the phone or else there would be consequences.

 

So be nice to the people you get on the phone when you first call as they are only pawns (sp) in the big game. 8-)

 

 

I think what the "nice girl in ireland" was saying (which they said to me) is we just binned your SAR but now you have called we will send it. It just seems to be another stalling tactic. I sent a 2nd SAR letter recorded delivery and CC'd it to the Information Commisoners Office. The ICO then opened a case number for me.

BRING ON THE HALIFAX

  • S.A.R - (Subject Access Request) Sent to Halifax PLC Recorded Delivery 21/09/06
  • 12/12/06 Still no S.A.R - (Subject Access Request) details so called and was told they would look at this next week
  • 28/12/06 Horray details recieved
  • Prelim request sent 8/01/07
  • LBA sent 12/01/07
  • Offer letter received 30/01/07
  • Upped Offer of £740 accepted

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I spoke to a guy at HSBC and he was an a*se right up until I explained how my charges came about and the the fact that in month they took nearly 1/3 of my wage. He went very slient and agreed that they were out of order but did not know what to say.

4th January 2008 - Prelim sent

16th January 2008 - Standard reply - NO!

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Ok folks.

 

Waited 4 weeks for my statements and instead of sending me my statements they have just sent me a list of charges and they have also included the amount in the main letter.

 

How kind of them to save me the time and effort in sifting through my statements to get the figures myself.

 

The total they have came up with is £1348. I actually cant believe I have been charged this much! Eye opener!

 

I am off work on Wednesday/Tomorrow so I will fire off my next letter then. 8-)

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Go For It!

 

Just keep reading the FAQs and threads and you won't need any Good Luck wishes:D

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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I have just had a call from Halifax Collections.

 

They want me to pay an outstanding amount on my account TODAY or they were taking my overdraft of £1000 off of me and proceeding with "further action".

 

I told them that the account was in dispute which it is and that I would be happy to pay them once the dispute has been settled.

 

He then told me thats fine we are removing the overdraft and will proceed with further action!

 

HELP!!! :confused:

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I would also tell them you will be making a complaint to the BO and the Code of British Bankers.

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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see my thread kegi takes on halifax just had the same letter same day as i sent in the lba pay x amount by 25th or will close the cc acc and demand the whole lot back if not will refer it to a dca I've told them its in dispute...... s/in law can't pay it in any case

 

kegi

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  • 4 weeks later...

In the FAQ step by step guide letter 2:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

It says to add on the interest in the letter but I keep reading around here that I shouldnt add the interest on at this stage.

 

Please advise as I am confused. :confused:

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When you make a claim through the small claims court (if you make a claim, perhaps is better) you can add 8% statutory interest to your claim but only then.

 

However, you can add any overdraft interest the bank has charged you to your claim right at the beginning.

 

Hope that clarifies the situation.

 

Steven

 

 

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I am assuming you are going for statutory interest. You do not add on the 8% interest until you file either an N1 or MCOL at court stage. Any interest Halifax have charges you, ie 'debit interest - as notified last month' you can add on. If this is the case just show it on your spreadsheets on the date it was taken out of your account. You are in the right place to ask questions, welcome to the team. Keep reading and have fun. Sally

 

 

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  • 2 months later...

Hi,

 

Last week I sent my first request for my charges back from the Halifax for £1300.

 

I am currently over my overdraft by £200 and they have been phoning me every single day to try and get this back. They are literally phoning me 6/7 times a day to the point where I have put it on my restricted calls and it goes straight to the answer phone.

 

However now I have this letter through:

 

IMPORTANT NOTICE

 

Our representative will be calling your home on 26/4/07

 

PLEASE TELEPHONE 0870 850 1291 IF THIS IS NOT CONVENIENT.

 

I dont want anyone coming round to my house as I cant afford to pay it back right now.

 

Are they allowed to do this with my claim already at the bank? :???:

 

Thanks.

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No he won't. It's merely to get you to phone the number, which immediately confirms your address and phone number

 

Ah.

 

Well thanks very much. Thats put my mind at ease.

 

They arent daft these banks are they? :mad:

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