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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Noddy6598 V Halifax


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Just thought I would let you know that I had a change of mind since yesterday.

 

Still taking Monkey's advice, I called the number on my letter (and recorded the call) thinking....what have I got to lose.

 

I got directly through to a nice helpful guy and told him very politely that I appreciated the offer but it wasn't high enough. I said I would accept the offer as part payment, pending the rest.

 

When I pushed him for a better offer, he offered me £1439. This is £200 short of what I'm owed on this particular account.

 

I have now hit a point where I need some advice. If you have followed this thread, you will know that I am claiming charges back on 2 halifax accounts. One amounts to £1643 in charges (inc. interest) and the other £365.

 

The offer of £1439 concerns just the first account, I have had no offer on the other account.

 

Up until I did my MCOL, I kept the 2 accounts seperate, ie. seperate prelims and LBA.

When I did my MCOL, I added them together which is why my MCOL is for the total amount of both accounts.

 

If I accept the offer, this settles one account but leaves the other unsettled. Would I have to amend my MCOL in some way???

 

Any advice would be appreciated.

Noddy

:)

Initail letter requesting charges sent 28/1/07.

Statements arrived 3/3/07.

Prelims sent 6/3/07

LBA sent 20/3/07

MCOL issued 10/4/07

MCOL served 15/4/07

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noddy, to be fair, I don't know why you're bothing to chase them.

 

You've told them how much you want, if they don't pay it you, then it's court time baby! Simple.

 

Do you think they'll let it go to court? I doubt it. Why they are offering £200 less beats me, it defies logic.

 

Just write to them and either reject the offer, or accept it in part-settlement (I'd just reject it, but that's me).

 

Let them do the leg work, you've done your bit for bnow, just sit back and wait for the cheque (as well as reading up about court, just in case)!

 

I hope you take this post in the spirit it is intended, I'm not having a go at you, I'm really not, but you're being waaaay too nice and helpful to them.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Hi Noddy, I see they are not meeting your full claim, when I managed to get a result before court I was only down by £30, it was around end of December so maybe they have got a bit firmer on claims now.

 

It would seem your way forward now is through court action, at least you will get your interest now. I would do it asap, as monkey says you are being way to nice. Go for it.

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I agree with the 2 previous posts. You've been very reasonable but the offers just don't follow logic or consistency (as usual with Halifax!).

 

The point is if they accept these charges are unreasonable/unlawful and are making an offer why on earth are they trying to save £200. The point is if they offer the full amount they will avoid the 8% interest at court.

 

Also, have they explained why there is no other offer on your other account? I say, go to court and get your money back.

 

let us know what you decide...

 

littlejam8)

littlejam
vs
Halifax

16/04/2007
Decide to claim. S.A.R not required as all my bank statements kept on file at home. Decide to claim for all unlawful charges since August 1997. Totals £3095.

17/04/2007
Parachute account opened with Barclays
18/04/2007
PRELIM letter sent by recorded delivery.

19/04/2007
Royal Mail confirms delivery
24/04/2007
Halifax replies with standard letter (dated 21/04/07) saying they have 8 weeks to reply.

25/04/2007
Stage 2 LBA letter sent by recorded delivery giving them 14 days to comply.
15/05/2007
Initial reply from Halifax saying they will reply no later than 18th June 2007.

11/06/2007
Standard letter received from Halifax disagreeing with my argument against charges.

25/06/2007 Filed small claim for charges at Lambeth County Court - awaiting return of N1 form.
:rolleyes:

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I must have been in too good a mood!!

 

Don't worry, I have taken the advice as intended and thankyou to all of you.

 

I have decided to reject anything but the full amount and will see it through to the end.

 

Cheers all.

:)

Initail letter requesting charges sent 28/1/07.

Statements arrived 3/3/07.

Prelims sent 6/3/07

LBA sent 20/3/07

MCOL issued 10/4/07

MCOL served 15/4/07

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Noddy, to clarify, you've rejected the offer rather than accept it in part settlement yes? If so, good on you!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Yes mate, thats right!

 

Anything but the total amount will be rejected.

Cheers for the advice.

 

I'll keep you posted.

 

LlinB, hope you get some news soon.

  • Haha 1

:)

Initail letter requesting charges sent 28/1/07.

Statements arrived 3/3/07.

Prelims sent 6/3/07

LBA sent 20/3/07

MCOL issued 10/4/07

MCOL served 15/4/07

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Progress at last!!!!!!!

 

Having checked my accounts today via online banking, I have been credited with cash from Halifax cutomer relations.

 

My first account, which had bank charges and interest amounting to £396.06 has been credited with the full amount. SETTLED IN FULL. I had no phone calls, no letters, nothing.

 

The second account has charges and interest amounting £1643.98, has been credited with £1116.88.

 

I called customer relations and asked why they had credited my account when I had rejected their previous offers of £700 and £1439. They said that a mistake had been made and that I would be credited with a further £616.54 straight away. This would be a full settlement of both accounts.

 

So it seems I have finally won my claim. I am just waiting for the outstanding money to be paid into my account, so until then, I will hold back on the celebrations!

 

I'll keep you posted.

:)

Initail letter requesting charges sent 28/1/07.

Statements arrived 3/3/07.

Prelims sent 6/3/07

LBA sent 20/3/07

MCOL issued 10/4/07

MCOL served 15/4/07

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That is brilliant news, well done for stickig to your guns.

 

Still no news here only a letter telling me they're sorry they haven't responded to my complain and a leaflet about how to contact the ombudsman!

 

Have a very good weekend to reward your efforts.

[COLOR=plum]Prelim 5/3/07; rec'd standard letter[/COLOR] [COLOR=plum]LBA 19/3/07; rec'd further holding letter[/COLOR] [COLOR=plum]MCOL 5/4/07; waiting with baited breath[/COLOR]

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Just thought I'd check my account on the off chance something miraculous might have happened and there are mysterious receipt saying CASH £1099 and CASH £261!!! This was the original amount and then the court fees and interest but I haven't even had a letter to warn me.

 

Am dancing a jig!!!!

 

Think I'll have a good weekend too!!!!!

[COLOR=plum]Prelim 5/3/07; rec'd standard letter[/COLOR] [COLOR=plum]LBA 19/3/07; rec'd further holding letter[/COLOR] [COLOR=plum]MCOL 5/4/07; waiting with baited breath[/COLOR]

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well done noddy! Told you you'd get it!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Well done llinB, enjoy!!

 

Thanks Monkey for your advice, I will sit tight and wait for the rest now!!

Fingers crossed.

:)

Initail letter requesting charges sent 28/1/07.

Statements arrived 3/3/07.

Prelims sent 6/3/07

LBA sent 20/3/07

MCOL issued 10/4/07

MCOL served 15/4/07

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Hoooooo Raaaaaaaa!!

 

Just checked again, all money now paid in!!

 

I Won!!!!!

 

Thanks to everyone who has contributed to this thread, especially doo, monkeyuk and LlinB.

 

Without your help, I may not have won.

 

I'm off to the pub now...........

 

Good luck everyone else who is still waiting for their money.

:)

Initail letter requesting charges sent 28/1/07.

Statements arrived 3/3/07.

Prelims sent 6/3/07

LBA sent 20/3/07

MCOL issued 10/4/07

MCOL served 15/4/07

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  • 2 weeks later...

Good luck

Hello everyone,

 

I'm brand new on this site and after hearing mates at work successfully claiming back bank charges, I thought I would give it a whirl!

 

I have started this thread as I'm right at the beginning and will hopefully lead to me being successful myself and for others to follow in their case.

 

My initial letters requesting the last 6 years charges/statements for both my halifax accounts were sent on 28/1/07, together with cheques for £10.

 

Thats basically it!! Heard nothing as yet and no cheques have been cashed..................

 

Just wondering how long people have had to wait, i'm guessing the full 40 days???

 

Anyways, I'll keep this thread up to date with all developments and thanks for reading and taking an interest.

 

Noddy

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