Jump to content


  • Tweets

  • Posts

    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive 😊  
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
    • BTW the time in and out is less than 10 mins, more than 5 in case that's relevant? I saw an article posted on here about a year ago a proposed legislation change but i don't know if that went through or not? I'm also a blue badge holder but there it was a regular parking spot.   Private parking fines to be capped at £50 WWW.BBC.CO.UK Drivers will also need to be given a grace period for lateness, as part of a crackdown on parking firms.    
  • 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 
        • 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

Halifax resident v Halifax bank


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6191 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

Totally - they are making such a bit HOOHAAA out of me being in the red - but they have taken nearly £4500 of my money over the last 6 years - do you see me phoning them every hour and INSISTING that the monies be paid straigtaway????

 

Next time I speak to them, I might just ask them to confirm their:-

 

1. Company Registration Number

2. Address

3. Telephone number

4. The second and last digit of their security number (if they ask about this, I will have to take them through the whole security questionaire, and set up their own unique security number for when they call)

5. And of course if they can confirm their three last direct debits they have paid ......

 

In a perfect world, whould that not be sooooooooooooo funny .....?

 

Good luck!

Link to post
Share on other sites

  • Replies 86
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i just saw on the Moneyclaim site that the Hx have 'acknowledged' the case. no letter yet, but now they know i'm serious.

 

ps. i love the way that the debit for the Moneyclaim service shows up on your online statements - nice touch!

 

 

nice one lol

 

good luck

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

Link to post
Share on other sites

i just saw on the Moneyclaim site that the Hx have 'acknowledged' the case. no letter yet, but now they know i'm serious.

 

ps. i love the way that the debit for the Moneyclaim service shows up on your online statements - nice touch!

 

We are PMSL here at your ps

 

Best of luck we file at the court tomorrow:grin: Lets bring it on :p

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

Your welcome ...... and thanks

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

help!

 

progress report.. saturday, i received a letter from the Halifax stating that they were going to defend the claim, as expected.

 

BUT.. also received a letter from the NATWEST denying/refusing my application for the very basic bank account.

 

so, does anyone have any other ideas/suggestions for a bank that may accept my sorry ass for a customer?

 

also - i'm wondering is my credit rating now officially the worst it can be?! i applied to the Natwest on the advice of you good good people on this site, thinking it would be the best bet. what a loser!

Link to post
Share on other sites

help!

 

progress report.. saturday, i received a letter from the Halifax stating that they were going to defend the claim, as expected.

 

BUT.. also received a letter from the NatWest denying/refusing my application for the very basic bank account.

 

so, does anyone have any other ideas/suggestions for a bank that may accept my sorry ass for a customer?

 

also - i'm wondering is my credit rating now officially the worst it can be?! i applied to the Natwest on the advice of you good good people on this site, thinking it would be the best bet. what a loser!

 

I dont know the answer I am afraid , my credit score is pretty low ..but we managed to get an account with the natwest.

 

Firstly I dont know about the bank that will take you on ........but I know that HSBC wont we tried them we finaly had to go for the Natwest ......but just under the wifes name.

 

If you have a partner then you could also try that ...........I did read somewhere on here about another bank that would let just about anyone have an account though not 100% sure which one something like the coop bank maybe.

 

You need to get the next one right though because everytime you apply to them they put it on your credit reference ..so it wont look good keep applying to banks and them seeing you have applied to some others.....thats what showed up on my credit reference from experian .

 

Best of luck m8

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

If I were you I would get hold of my credit report and check exactly what is on it. You can do it online at www.experian.co.uk it costs £2 and as long as you are on the votors roll where you are they will email the report to you. There may be something on the report that would prevent you getting an account, it may be something that you don't know about or has been put there by mistake. Any problems just pm me.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

Link to post
Share on other sites

Sorry justlooking .......the wife has just told me we could have opened an account with HSBC .but she decided not to because she wanted to enquire there if she had charges from a previous account .........wouldnt have looked good if she opened an account then screwed them for charges LOL .....we not sure there are any charges

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

i've still heard nothing from the Halifax. my claim was 'acknowledged' on the 14th June.. it says on the Moneyclaim site that the defendant has 28 days to reply.

 

so does anybody know from their experience - do i need to worry nearer the 28 day mark about a court appearance?

 

cheers!

Link to post
Share on other sites

If I were you I would get hold of my credit report and check exactly what is on it. You can do it online at www.experian.co.uk it costs £2 and as long as you are on the votors roll where you are they will email the report to you. There may be something on the report that would prevent you getting an account, it may be something that you don't know about or has been put there by mistake. Any problems just pm me.

Or you can go here and get it free (for a short while!).

 

If you decide to buy it (rather than just using the 'aproximate' free one, then the cag gets a 5% commission).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

the free credit score isnt at all accurate. for starters they dont need your address so how can they give you a proper score if they dont know who you are and where you live.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

Link to post
Share on other sites

They do take the postcode though, don't they? I just did mine and it seemed about right.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

nothing to report like, i'm just sitting and waiting, sitting and waiting

 

i'm at my desk at work - headphones on and this song comes on by The Transplants - its called 'We Trusted You' and the lyric is almost entirely relevant to everyone on the site - let me share a selection of lyrics.

 

 

 

CHORUS:

We trusted you, we put out a helping hand

Only in return, we get a stabbing in the back

 

...Took us for granted, let's start here

Friendship over, so very clear

Then what is fair is gonna be fair

**** you...you're over...

 

...Stood by your side, you put a knife in my back

Never ever thought it'd be you who would do me like that

But we live and we learn, or so it's said

 

.....The mistakes I've made won't happen again

Keep my enemies closer than I keep my friends

 

.....Will we ever be the same? Well my answer is no

 

Don't wake up now, it's gonna be too late

Don't give me that **** about cleaning the slate

You've been at it too long, all your life that I've checked

Now your time's almost up....

 

If you don't stand for nothing I can't really stand behind you

Who knew you withdrew your point of view

I lost mine, you cry and whine all the time

And I cant stand aside or anywhere near you

I'd get in check, you're a wreck, no respect,

 

 

 

i know this is completely irrelevant so please bear with me!

 

but last night i was beginning to think that nice as it would be to get the cash BACK (and god knows i'm skint - but i'm just so used to being skint!), i really hope it GOES TO COURT!

 

i don't feel scared of the process like i initially did. i'm living in Halifax, i know people at the 'Halifax COURIER' (the local rag) and i'd love to stand there armed with the great arguments posted elsewhere on this site and look someone representing the Halifax right in the eye and talk it through! and i know i could get some emotional mileage out of the torment they brought to my life when i really needed a LITTLE EXTRA HELP!!

 

rant over, cheers for listening! (its lunchtime, i'm bored)

Link to post
Share on other sites

yup, they bit the bullet! i got my money back from the suckers.

 

KEEP GOING AND YOU GET THERE IN THE END HONEST! - i was damn sure i was gonna be the first in court. but i'm not!

 

donation coming..

 

and a massive thank you to EVERYONE on the site. working class heroes..

Link to post
Share on other sites

aw go on then - thought you'd never ask!

 

my claim was ACKNOWLEDGED on the 14th June, and i heard absolutely nothing from that day til today (the 12th day) - i checked online mid-morning and the money was in my account - £2,643 to be precise!

 

mu only worry now is, i have no parachute account and they'll be getting tetchy soon won't they? i'm in the process of trying the CO-OP.

Link to post
Share on other sites

Well done you!! Citizens Advice told me that Nationwide will take anyone even if bankrupt, ive just opened a nat west step acoount very easily!

 

Ally

Im new to this so don't rely on or copy what I do use your own judgement or seek legal advice!

 

 

Ally

 

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33520-1st-credit-littlewoods-woolwich.html#post270608 Ongoing Littewoods/Woolwich/1st Credit

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/9671-halifax-loan-arrears-help.html on hold pending Halifax

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6191 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...