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    • Just, Arum, TDX Group and its parent company Equifax have been named as suppliers on the Crown Commercial Service’s (CCS) recently launched debt resolution services (DRS) frameworkView the full article
    • @[email protected] Hi guys, redacted post from before. They've sent LbA and could use some help. Or if you like I'll take this down. I'd send messages but keep getting "not registered" page. Thanks
    • I was convicted of going 63 in a 50 on a road where there is Temporary Prohibition of Traffic various temporary speed limits.    it says that the " Once the court receives your information it will contact you to arrange for you to make your declaration over the telephone. Please note that this may be from a withheld number". Is this the part where I ask about the deal ? 
    • Hi I'm after some help with trying to get my wedding car hire deposit returned. I'll provide a bit of a chronological background to try and keep things clear. January 2020 - Began booking church, venue and other services for our Wedding for May 2021 - 100+ guest during the day, and 200+ on the night. Jan 2020 - Attended Wedding Car (WC herein). Booked and Paid deposit for 4 motors . Corona came along and we were in and out of lockdowns. Competitions and Markets Authority (CMA) brought out some guidance for Wedding Services 7 Sept 2020. In mid January, we got back in contact with WC via text, expressing our concerns over the wedding and Government imposed Public Health measures(we were currently in lockdown and no idea when things would return to normal), and that we were looking to move the wedding forward 1 year.    Feb 2020 - Emailed to cancel our Wedding date in  May 2021, after text had been sent and car guy replied asking for it to be sent via email. We asked if another date was available.    2020 - WC replied to say they could not fulfil our new date due to other commitments.    Feb 2020 - We replied that we would have to cancel our booking with WC, but would be in touch if dates changed again.    Feb 2021 - Government published Guidance (Roadmap out of Lockdown) - Stated, “Not before 17th May…Up to 30 people will be able to attend weddings…”. *Note again our wedding was for 100/200+ guests at the Stadium of Light, so not reasonable to have the same venue for 30 people.    2022 -  Called and spoke with car guy to see if they had any availability (any cars at all) for our date. He was driving and so couldn’t confirm.                         Exchanged some texts on the same day to which he replied in the evening, that they had nothing, but to keep in touch due to cancellations.    Jan 2022 - Started an email thread asking about deposits and their return. WC went straight on the defensive saying we wouldn't be getting it back and we should check the contract. We asked for a copy as we were not given a copy when we booked.    Jan 2022 - Emailed to ask for the return of our deposit. WC replied that since we cancelled within 4 months of the wedding date, they now wanted the remaining balance of several hundred quid, and we should check the contract. We asked for a copy of the contract again, and that we would seek legal advice.   WC replied with ever increasing sarcasm, saying we would receive notice demanding the remaining balance of £850 in the post. I replied that if they didn't supply a copy of the contract I would send them a SAR.    Jan 2022 - Sent a letter via Post and email, asking WC to reconsider their position. We stated we believe the contract to have terms that would be deemed unfair terms that were not clear; there is a ‘Significant imbalance’ concerned with the parties’ rights and obligations, which can be seen as disproportionate financial sanctions; their ‘Terms and Conditions’ appear to seek to remove the consumers rights, while removing their obligations, but allowing them to make an unjustified windfall gain.   We also stated that we believe the guidance and statements by the CMA, suggested that since the wedding we had planned couldn't go ahead (we'd be breaking the law with the numbers we wanted) on our planned date, and that a reasonable person wouldn't expect the wedding to go ahead when we cancelled the date, that we should receive a full refund as they were not out of pocket.   We gave WC 14 days to respond...it took them 6 hours.   Today they have sent my Mrs Letter before Action Any help much appreciated. The booking form has no Ts&Cs or costs of any kind, just addresses, personal info and the vehicles.
    • The IMF says the global economy is entering 2022 in a weaker position than previously expected.View the full article
  • Our picks

Salisburyowl V Halifax ***WON***


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[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Good morning Owl - I am so pleased for you - at least you can go back to school happy and extremely relieved that's over - last 7 weeks are exhausting.



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Hi Owl


CONGRATULATIONS!!!!! I had to look twice at your thread title cos last time I looked you were still waiting - its fantastic news!!

And WOW !! Halifax seem to be paying out a lot lately.

Am really really hoping I have same outcome - I could do with all this being over!

Halifax have til 20th June to file defence - I'll be watching my account!!


Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.


3rd May 2007 - LBA sent to Halifax.


15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.


17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.


Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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NATWEST01&02 won over 4k

See how








10-MAY-07 LBA



19-SEPT-07 LBA


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