Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #2 - MBNA CC

      By Badtimes123 · Posted

      To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • Lorenz
      MCOL help not being paid for job

      By Lorenz · Posted

      No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By Badtimes123 · Posted

      Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • tedney
      HFC Marbles credit card SD - was dismissed as voluntary joint charge provided - now owed by Cabot - settled at home sale - was i overcharged?

      By tedney · Posted

      I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.  

      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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Help please Halifax are ignoring me!!

naomi1611
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6216 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 71
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

marcelle

marcelle

Posted
Posted

Good luck.... I'm still at the SAR stage with Halifax but they haven't responded to any of my requests. They exceeded the 40 days as well as the extra 7 days so I reported them to Information Commissioner. That's before they contacted me about putting money into my account. I'm further ahead with another bank and they only contacted me was to say I did not send them £5 to get my data!!!! Typcal! But I don't care, i'm sticking to my deadlines regardless.

Link to post
Share on other sites
superowls

superowls

Posted
Posted

marcelle have you started court proceedings against them too? they have to get my statements to me before monday evening! i have typed my court letter out already in preperation to send it out quickly.

S.A.R - (Subject Access Request) sent (Recorded Delivery) - 28 December 2006

S.A.R - (Subject Access Request) Acknowlegdement received 6 January 2007

Statements received 10 February 2007

Prelim sent (Recorded Delivery) - 13 February 2007

Prelim Received - 14 February 2007

Prelim Acknowledgement received - 20 February 2007

LBA sent (Recorded Delivery) - 1 March 2007

Link to post
Share on other sites
  • 2 weeks later...
naomi1611

naomi1611

Posted
  • Author
Posted

Hi all

I have just submitted my N1 claim form to the courts on 8th Feb, still waiting to hear back from them though dont understand why they are taking so long.

 

Anyway my account with Halifax is currently overdrawn by at least £5000 due to a chq i paid in for a car i sold, and later after i already spent some they told me it was a fraudulent chq. The account was then closed eventually and sent to debt collectors. I refuse to pay as i asked before i deposited the chq if it is ok and i was told yes.

 

My question is will they pay up because of this, and if so will i receive payment by chq like i asked for on my N1 or will they try to keep the money even though the account is closed?

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Hi thanx 4 the reply

Well the amount i am trying to claim is £1971.07 but since the account is overdrawn by about £5000 i thought they would just keep the money.

 

How has your claim been going? I didnt even receive replies to my prelim and lba. Not even a standard letter.:mad:

Link to post
Share on other sites
sallysas

sallysas

Posted
Posted

I am not at all sure that you would get your charges in the form of a cheque. I sympathise with that cheque 'bouncing' but IMHO the Halifax can keep any charges you will be awarded as the amount you will owe them exceeds any claim of yours. Back in a bit. Going to look for a thread. Sally

 

 

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Hi

Just going through my files and realised that all the duplicate statements halifax sent me have the same old address on them. The fact that i lived in London when i opened the account makes me wonder why they all say i lived in Coventry. They know i moved address quite a few times. Now i am wondering if they have been altering my statements to suit them. But i do not have any of the originals anymore as the account is closed. I have already done N1 which was deemed to be served on 18th. Does anyone think i should give them a call asking why the statements are like that and tell them i will also be telling the courts about this, i was wondering if it would hurry them up with my payment.

 

Any thoughts?

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Hi

Just going through my files and realised that all the duplicate statements halifax sent me have the same old address on them. The fact that i lived in London when i opened the account makes me wonder why they all say i lived in Coventry. They know i moved address quite a few times. Now i am wondering if they have been altering my statements to suit them. But i do not have any of the originals anymore as the account is closed. I have already done N1 which was deemed to be served on 18th. Does anyone think i should give them a call asking why the statements are like that and tell them i will also be telling the courts about this, i was wondering if it would hurry them up with my payment.

 

Any thoughts?

Link to post
Share on other sites
livelylad

livelylad

Posted
Posted
Hi

Just going through my files and realised that all the duplicate statements halifax sent me have the same old address on them. The fact that i lived in London when i opened the account makes me wonder why they all say i lived in Coventry. They know i moved address quite a few times. Now i am wondering if they have been altering my statements to suit them. But i do not have any of the originals anymore as the account is closed. I have already done N1 which was deemed to be served on 18th. Does anyone think i should give them a call asking why the statements are like that and tell them i will also be telling the courts about this, i was wondering if it would hurry them up with my payment.

 

Any thoughts?

 

As long as the figures are correct I cant see its much of a problem, you can always ring them and ask why. It may be that when they are reproduced they use the current address.

Also please stick to one thread for this claim you have 7 at the moment I shall get them merged. Thank you.:)

Link to post
Share on other sites
HBOS_Staff_Member

HBOS_Staff_Member

Posted
Posted
Hi

Just going through my files and realised that all the duplicate statements halifax sent me have the same old address on them. The fact that i lived in London when i opened the account makes me wonder why they all say i lived in Coventry. ...

 

Any thoughts?

 

Don't worry the statements have not been altered - can you imagine them doing that and you then find the same statement in paper form but altered. That is a criminal offence under data protection act.

 

Simple fact is that every time you move your address is changed for all HBOS accounts and when they reproduce your statements it is all done from the main computer - where your address has already been changed. They are not copying a paper statement held on file somewhere.

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Yes but the address they used was my second since opening the account, they sent me statements to 2 other addresses after that one. I was told they are duplicate statements and the address should be the same on the originals. Plus there was a chq paid in which after a mth they told me was a fake chq and took all my money in the account. But on this statement they have made it look like the chq was returned the next day and i continued to spend money afterwards therefore making myself overdrawn. This is not how it happened.

Link to post
Share on other sites
MARTIN3030

MARTIN3030

Posted
Posted

7 threads merged

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.

 

 

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Hi everyone

Just got a letter from HBOS dated yesterday saying that they cannot find anything regarding my account as i forgot to put my account details on my claim so please can i submit my sort code etc:) hahaha.

Obviously its already on the N1 where it says the claimant had an account where i then put my account number. Plus the spreadsheet of charges which has my sort code and account number on it.

 

I just called to speak to the person who sent the letter, obviously they were not in today lol So i spoke to the receptionist i told her i would not be submitting anything again as i have a copy and the court has a copy and you can see it very clearly. They have until the 5th of March for me to receive my chq or i will be taking the next step Judgement.

 

 

spoke to them again and have been told they have until 12th March but as far as i aware they have not submitted a defence so do i just go ahead and do the judgement?

 

Also they have yet to explained to me why my so called duplicate statements all have the wrong address on them and how come after the account was closed in 2005 they have continued to charge over 2006?

 

Lets see what they try and pull now:) :) :)

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Hi everyone

Just got a letter from HBOS dated yesterday saying that they cannot find anything regarding my account as i forgot to put my account details on my claim so please can i submit my sort code etc:-) hahaha.

Obviously its already on the N1 where it says the claimant had an account where i then put my account number. Plus the spreadsheet of charges which has my sort code and account number on it.

 

I just called to speak to the person who sent the letter, obviously they were not in today lol So i spoke to the receptionist i told her i would not be submitting anything again as i have a copy and the court has a copy and you can see it very clearly. They have until the 5th of March for me to receive my chq or i will be taking the next step Judgement.

 

 

spoke to them again and have been told they have until 12th March but as far as i aware they have not submitted a defence so do i just go ahead and do the judgement?

 

Also they have yet to explained to me why my so called duplicate statements all have the wrong address on them and how come after the account was closed in 2005 they have continued to charge over 2006?

 

Lets see what they try and pull now:-) :-) :-)

  • Haha 1
Link to post
Share on other sites
sallysas

sallysas

Posted
Posted

I'm with you. They have all info necessary so why the delaying tactics? Perhaps they should take on more staff - or even cheaper, just settle. Too bad for them they are talking to a lady who has her facts straight. Sally

 

 

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Hi all

Well halifax had until tomorrow to reply to N1 which they have not done so i am about to fill in the judgement form but require a little help with it.

 

Firstly i want my payment by chq so can i tick the part where it says i want payment immediately and just write by chq next to it? Although i did say chq on the N1 i dont want the halifax to try and be clever and put the money in my closed account.

 

Then the interest part, where it says interest from the date of claim(if any) what do i put?

 

Then it says period from - to, dont know what to write there

 

Rate?

 

Any help would be appreciated

 

Thanks

Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Thinking of giving the bank 7 more days to pay up as they seem to think they have until 12th March anyway.

 

Have got this letter which i will send tomorrow morning recorded delivery and also email to the lady that last wrote to me. Please can someone have a look at this and let me know if it is ok. Thanks

 

Dear

 

Claim Number 7XX00000

 

You have not filed a defence for claim number 7XX00000 at Lambeth County Court, and the time to file a defence has now passed and judgement in default will be granted.

 

I am writing to give you one final opportunity to make full payment of £000.00 by cheque.

If I have not received payment in full by 4pm on 12th March 2007 I will file for Judgment in Default.

 

Also I am still awaiting a proper explanation as to why my “duplicate” statements have the wrong addresses on them, incorrect entries and why I was still being charged in 2006 when the account was closed in 2005. If I do not get this information with my cheque I will be taking the statements to the court with me as I see it as an illegal matter.

 

 

Yours sincerely

Link to post
Share on other sites
Guest Mumofthreeboys

Guest Mumofthreeboys

Posted
Posted

First two paragraphs are fine, not sure why you're adding the final paragraph to this letter though.

 

I would suggest if you want to address the matter of the statements it requires a separate letter.

Link to post
Share on other sites
livelylad

livelylad

Posted
Posted
First two paragraphs are fine, not sure why you're adding the final paragraph to this letter though.

 

I would suggest if you want to address the matter of the statements it requires a separate letter.

 

 

I agree it is probably better seperately addressed. Please stick to one thread for this claim you have 2 this makes it difficule to follow.

  • Haha 1
Link to post
Share on other sites
naomi1611

naomi1611

Posted
  • Author
Posted

Got a call from halifax today saying that my case is being looked into haha well done to them what to they want a blue peter badge. Anyway i sent them a letter this morning recorded delivery giving them till the 12th march to pay up before i go for judgment. Lets see what they say to that then.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...