Jump to content


  • Tweets

  • Posts

    • Hi If you have went via a Mutual Exchange and this is to do with Social Housing/Housing Association then both parties need to firstly be approved by each parties Housing Association and accepted by them. Once this is done the relevant Housing Association for each will then get each party to sign a New Tenancy Agreement with the relevant Housing Association. So what we really need to know is: Does the other party to this Mutual Exchange know you have changed your mind on exchanging properties? Have they just signed an Agreement in principle to exchange properties? or Have they actually signed a New Tenancy Agreement for that Property? If they have signed a New Tenancy Agreement then this will make not now wanting to continue the mutual exchange difficult due to the New Tenancy Agreement being Signed. We really need to know what stage this is at to give correct advice
    • From unhackable communication networks to powerful computers, quantum technology promises huge advances.View the full article
    • going nowhere then. well if you've not been simply doing it to look the big cheese to your mates, you need to address why you are doing it. if its to impress your mates then simply stop being an idiot eh? , learn from it and go live your life . dx
    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
  • Recommended Topics

Noddy6598 V Halifax


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6201 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

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

Link to post
Share on other sites

  • Replies 89
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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:

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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]

Link to post
Share on other sites

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]

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...