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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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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.  

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Netyard Vs Halifax Plc


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I phoned them and provisionally accepted £1,700 over the phone they said as it was over the 6 year they can not make an offer based on the £2,085 I have already has £952 is this good or have a screwed things up by saying yes on the phone?? LOL

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Hi Net,

 

How much is the 6 years worth? If it is what you have agreed too then good job.. The main thing is are you happy with your settlement.. If you are then Congrats hun... And no you did not do anything wrong! You have sorted it out before court, saving you the hassle! I know I was pleased I settled before going to court..

 

Congrats babe XX:D

  • Haha 1

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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Ok Just had a cigarette and getting my head around this now it's becoming clear LOL the six year bank charges are about £1,950 and they offered me £1,700 so that is good and I am happy with that.

 

Liz Farmen from Halifax whom I spoke to said that the money will be deposited in my account within 14 days and I will receive a letter of acceptance so I can't say that I have wont yet 'It's not over until the fat lady sings'

 

I have already received £952.00 which Halifax deposited in my account the same day they sent the letter so I can't see why they don't just deposit the money now, it's a good feeling to know my bank is in the green rather than in the red.. which it has been for the last 5 years, This is a life changing moment for me :)

 

As soon as I receive the money and letter I will email the moderators to move this thread to Completed Claims and I will donate to CAG.

 

Liz didn't mention closing my account but did say that any more bank charges they will not refund... reading in between the lines they don't refund any bank charges anyway but they do offer compensation for them so to us its the same thing :p

 

I will keep you posted!

 

Thanks to all of you who have helped me and a big thank you goes to CAG.. if it wasn't for CAG I would have not claimed

 

'Who gives you extra CAG CAG CAG!'

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Well Done Net!! :D

 

Sorry it has took me a while to answer back been doing my sisters landing hall and stairs decorating lol

 

Yup sounds good to me about your claim hun, kick you shoes off and relax now!

 

All the best

 

AtMoS XX

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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  • 2 weeks later...
  • 1 month later...

A friend of mine that I am helping to claim back unlawful charges has sent off S.A.R - (Subject Access Request) so far Helifax have only 11 days left!

 

She phoned Halifax and they denied receiving the S.A.R - (Subject Access Request) even though the £10 cheque had been cashed 29 days ago.

 

She told them how can they say they not received the S.A.R - (Subject Access Request) when they cashed the £10 cheque?

 

The customer advisor then hung up, my friend phoned back and spoke to someone else who was slightly more helpful and now they should be ringing back in 5 days to discuss the charges.

 

I will create a seperate thread on this one as soon as I hear any more

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