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    • Hello BankFodder I do have a sales invoice from SEHBAC showing the warranty transfer and fee paid.   The warranty is a 10-year warranty provided by the installers at the time of fitting 0n the 27/8/2015, fully endorsed by the Glazing federation.   This is underwritten by QA National Warranties. Section one:-  agrees to indemnify the policy holder in respect of making good a defect in the insured works where the contractor has ceased trading and is consequently unable to rectify the defects subject to the terms of the written guarantee issued to the policy holder.  A defect being defined as a physical fault or error in the insured works caused by defective workmanship or defective materials.   Section two:- covers breach of building regulations cover where the contractor has ceased trading. Sadly, in this case I have no claim against the insurers as the company has not ceased trading.   The installers have agreed that there is remedial work that needs to be carried out. The delay during the last few months has been annoying, especially as we are struggling to warm our living space to a satisfactory temperature without excessive use of the heating.   I have no Idea of the cost of the works required.    You have obviously realised from the information that I have given so far, that I feel that the remedial work will not fully address the issues. From the comments made by the surveyor at the time of inspection, the work that needs to be carried out will require the windows be deconstructed and reinstalled, this to me indicates that the workmanship in the fitting was substandard and consequently gives me little confidence that any repair will rectify the problem, but will only be a patch job, unfortunately this will not be known until or if the work is carried out.   I have not had an independant inspection of the work carried out, and would not know who to approach to carry out this sort of inspection.   The installers have given no indication of the actual work required to rectify the issues.   Thank you for your help.    
    • AXA have no obligation to explain anything to you about their policy cover because you are a third party and have no contractual relationship with them.  Your claim is against the gardener. If AXA's policy had insured the gardener then AXA, for practical reasons, would have dealt with you direct. But for whatever reason they have decided that their policy will not insure the gardener against your claim.   So AXA are correct that you will need to pursue the gardener directly for the damage to your property and he will have to pay it from his own pocket. If he disagrees then you would have to start a small claims court action and a judge would decide if the gardener was liable.   It's normal for insurers to ask for details of the damge you are claiming for before they decide whether it's covered by their policy. This hasn't disadvantaged you because you will need that information to make a claim directly against the gardener.   It's not correct that you would get new for old if AXA had agreed to pay the claim. As a third party claimant you'd get the same whether AXA paid it or the gardener pays direct - the used value.   Is the property that was in the lockup insured by you under your own household policy? Have you put in a claim for to your insurers? If it's covered by your policy then it's quite likely you would get paid 'new for old' value.
    • I don't understand why you think you should be entitled to claim new for old from 1/3 party insurer. On the basis that we are talking about negligence, you would only be entitled to be put back into the position that you would have been had the negligent act not occurred. This means that you would be entitled to obtain the replacement value of the damaged items. What kind of items are we talking about here? What kind of value are we talking about here
    • Online companies will be responsible for stopping fraudulent user-generated content on their platforms, under new legislation View the full article
    • Look at a Credit file default as a punishment, after 6 years you've served your time and it's over.    In fact even if you had a couple of defaults 3 years ago on your file, it still wouldn't be a problem. Which is why there is something else at play here.  As for the differences between brokers, when I went for my mortgage I had 2 different one's trying to get me the same product. One rang me back apologising , telling me that I wasn't eligible, the other one got me the mortgage.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Time has come for me and the wife to take the plunge and get some of these bank charges back from HBOS.

 

We had a Halifax current account for several years and we where being charged in excess of £90 per month in bank charges. This was our own fault as we bounced cheques, direct debits went unpaid, went over the arranged overdraft.

 

1st step done, read all the information on this site and MSE regarding claiming. I have printed the first letter of which is a request for all the charges over the past 6yrs.

 

We are very nervous and worried about the whole thing, sometimes we think is it worth going through all this. But reading all the success stories then that certainly helps alot.

 

We will keep you all updated and thanks for all your support, I am sure we will need lots of help and advice through this period.

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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Thanks for that support already, I can see from reading other threads that there is great people out there willinging to support

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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:D Hi Marcellep,

Good luck to you. keep reading and above all dont rush it. they are waiting to see if there is a chink in your armour. stick to the tried and tested methods on here.

Put halifax in the search box at the top and read others threads.

 

We WILL prevail over the bankers!!!!:D:lol:

:lol::lol::lol:
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Ms. Rachel Hinchliffe

HBOS PLC

Legal Services - Retail Division

Trinity Road

Halifax

West Yorkshire

HX1 2RG

 

Is this the best address to use for data protection

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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Time has come for me and the wife to take the plunge and get some of these bank charges back from HBOS.

 

We had a Halifax current account for several years and we where being charged in excess of £90 per month in bank charges. This was our own fault as we bounced cheques, direct debits went unpaid, went over the arranged overdraft.

 

1st step done, read all the information on this site and MSE regarding claiming. I have printed the first letter of which is a request for all the charges over the past 6yrs.

 

We are very nervous and worried about the whole thing, sometimes we think is it worth going through all this. But reading all the success stories then that certainly helps alot.

 

We will keep you all updated and thanks for all your support, I am sure we will need lots of help and advice through this period.

 

I think, no I know, we have all been where you at now, I know I was! You know the type of thing? "They're not going to pay me" "I am going to be the test case" "I've done everything wrong" and many many other worries in that vein. Slow down, take it easy and read ALL!!! of the success stories.

I managed to claim back a lot of money from the Halifax that they took from me when I was at my complete lowest and not only that they insulted me when taking it also - "can't manage your account Boo?" "Well here's a couple more thousand in charges that should help"!

 

Everyone has some financial pitfall at some point, all you is need someone to assist and point you in the right direction, not kick you when you're down.

CAG is a self help forum If you're prepared to put in the work, CAG are prepared to help. Use the forum, read as much as you can and enjoy the many many varied stories.

Good luck and welcome

 

Boo

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;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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you can send it there, it will land on the right desk, stick to your timetables and not theirs.

 

send recorded or get proof of postage from post office if cash is tight at the moment.

:lol::lol::lol:
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you can send it there, it will land on the right desk, stick to your timetables and not theirs.

 

send recorded or get proof of postage from post office if cash is tight at the moment.

 

Money is tight at this time of year (roll on pay day!!) but I would always recommend recorded delivery. Proof of postage just means it was sent, recorded they have to sign for - don't give them any opportunity to deny receipt!;)

 

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Welcome along buddy- 6 months ago I wouldnt have dared to do anything like, now Im taking on for all the family!!!!!

As everyone says, take your time and read all the info.

 

But if you need any help, everyone helps each other & does a damn good job @ it.

 

Remember, as bad as they might try & make you feel, with their fancy dancey letters- its them thats at fault!

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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Marcellep,

Welcome to the site..

As has already been said by Doo & AWC - If you have any questions, just add to this thread and someone will be able to either give you the answer or find someone who can;)

Just keep reading the FAQ's - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Step-byStep Instructions - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

And read as many threads as possible so you get an idea as to what to expect.

Get an idea of the letters that you need to send and also use the spreadsheet to calculate what you are claiming - minus the 8% until (or if) you have to submit a court claim - MCOL or N1

Personally, I wouldn't settle for anything less than the full amount that I'm claiming, however you personal circumstances may dictate otherwise.

The only other piece of advice is to remember that it's YOUR claim, and that YOU set the timescales, NOT Halifax. If you start to doubt that, ask yourself this: 'If Halifax sent you a letterwith a 14 day deadline, would they accept a reply from you offering to reply to there concerns within 4 weeks..??? I think not!:D

Enjoy you claim..

Survivor :cool:

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If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks people will post tomorrow using recorded delivery and then its awaiting game

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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  • 2 weeks later...

Recieved a letter telling me that they have my letter and will be in touch

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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Hi marcellep,

I waited about 2/3 weeks from the date my cheque was cashed until I received my statements. & I was lucky & received them all!! None were missing!!

I'm nearly at the entering for Court stage & am a bit jittery about it, but I come on here every night to catch up on the success stories & where everyone is at in their claim...it's a GREAT help & reassures me!!

So, good luck...you'll get there in the end!!

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This is the letter that I got from HBOS today, Ceratin details have been missed out or changed for security reasons.

 

Dear Mr Marcellep,

 

Completion of Request For a list of Transactions and Charges - XXXXXXX

 

Thank you for your letter requesting specific information on your account with us. I can confirm that copies of duplicate statements have been ordered and will be sent under seperate cover.

 

If you requested information relating to manual intervention on your account, I regret HBOS Plc is under no statutory to record this information and therefore, I am unable to assist further with your request.

 

 

Your Faithfully,

 

K Patton

 

Ken Patton

Data Protection Collection

Business Risk - Retail

 

 

 

Thats the letter I got, Now I under stand that I will get my statements soon but what does the intervention part mean?

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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  • 2 weeks later...

Update

 

Got all my bank statements yesterday, Went through them all and we have £2780. We have followed the instruction layed out on this site and sent the second letter with a schedule of charges.

 

It was sent today recorded delivery, Now we are nervous.

 

I see on other sites that people are saying that 14 days is not correct, people are saying that the banks are entitled to longer. Is this correct

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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Hi,

Banks will try to tell you tht they will take upto 4 weeks to resolve your complaint. They will also tell you that they set the deadline, not you.

Ignore all the hot air and bluster that they try to get you to believe... It's your claim, stick to your deadline (as per the recommendations on this site). I did and have successfully claimed back my charges (plus 8% s.69 interest & court costs) as have others.

The advice on this site is tried and tested - to a successful outcome! Stick to your guns and don't let Halifax bully or stall. Have a read of my thread to give you an idea:

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/56689-survivor-halifax-new-claim.html

Read as many of the successfuls claims as you can - it'll help you understand how easy it really is.

Hope it all helps..;)

Survivor :cool:

If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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marcellep, just stick to your timetable, prelim 14 days, LBA 14 days, then if they have not offered repayment in full take court action. As survivor says the advice on this site is tried and test, I have successfully claimed back 2 lots of bank charges with halifax, so don't worry.

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I've claimed and won TWICE now- just follow the steps on this site- it is truly marvellous!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

***Update***

 

2nd letter sent to HBOS 3rd Of March asking for £2ooo+ back in charges, got a reply today

 

" We are sorry to learn that you are unhappy with the charges debited from your account bla bla bla bla - Please note the rules set out by the FSA gives up to 8wks to repsonsd. bla bla bla. However we aim to repond with 4wks

 

Q- Do we sent the 3rd letter 14days from the 3rd Of March?

We are very worried about what we are doing

 

:mad:Trying to sort my credit file out :mad:

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