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    • Thank you Andy I will complete this as soon as I can as I need to go through the documents and find two more we need to include , I have sent a PM with attachments 
    • It took a few days but details that were in the Grocer article I linked to were in the Mail yesterday.   The hauliers and the British Retail Consortium don't agree on the effects of driver shortages but the Mail says the army are on standby to move food supplies.   Shoppers are 'facing shortage of chilled food this summer due to lack of lorry drivers and Brexit' WWW.DAILYMAIL.CO.UK A double impact from Brexit and the Covid-19 pandemic is said to have sparked disruption to the chilled food supply chain, industry insiders say.  
    • I've found Planning Permision for Halfords to have a "Non-illuminated pictorial panel sign and opening hours panel" added but that's not it.
    • Hi all, i hope i can get some help with a claim form i have received. Before i continue, my MAIN objective is to AVOID getting a ccj issued against me, the reason for this is my area of work automatically bars you from employment if you have such things on your record. I am willing to pay the debt through installments hopefully without the need to involve the court. I would sincerely appreciate it if i could get some help on how best to handle this.   Name of the Claimant ? LC Asset 2 S.A.R.L   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 11 June 2021   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant (C) claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxx and opened effective from 30/11/2015. The agreement is regulated by the consumer credit act 1974, was signed by the defendant and from which credit was extended to the defendant. Defendant failed comply with a default notice served pursuant to s87(1) CCA and by 09/11/2020 a default was recorded. As at 18/12/2020 the defendant owed MBNA limited the sume of £9900. By an agreement in writing the benefit of the debt has been legally assigned to C effective 18/12/2020 and made regular upon C serving a Notice of Assignment upon D shortly thereafter. And C claims - 1 £9900 2 - Interest pursuant to section 69 county court act (1984) at a rate of 8% per annum from 18/12/2020 to 11/06/2021 of 350 And thereafter at a daily rate of 2.09 to date of judgement or sooner payment. Date 11/06/2021.   What is the total value of the claim? 10900   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I do not recall   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After April 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? I do not recall, very possible though as the name LC Asset rings a bell.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? April 2020   What was the date of your last payment? April 2020   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
    • Welcome to the Forum   I have moved your topic to the appropriate section .....please continue to post here to your topic.   Andy
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hi i was given the address of this site from a friend and was i amazed when i read some of the posts, is it really possible to claim back charges for unpaid direct debits? over the last few years i have had a quite a lot of charges from the halifax one or two i did manage to stop but if i added them all up over the last 6 years it would be a fair bit of money, i would just like a little bit of advice as to wether it is worth doing and if it costs a lot to do as it seems from reading the posts that it is worth doing i would be very grateful for any advice

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its not daunting,read the F A Q then come back and ask again,someone will always help you,we all want everyone to win,so loads of support for everyone,go for it

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ask for bank statements, however they are likely to send you a list of charges (which is easier). They may well send you an offer at this stage as well . DO NOT ACCEPT THIS OFFER UNLESS IT IS 100% of the charges (Plus interest if thats what you want). "Stick to your Guns" and you get full settlement. Good luck... do'nt forget tho read FAQs

'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.'

Thomas Jefferson 1802

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Hiya kgrant,

 

Welcome to the forum, :)

 

First of all. YES it is definatly worth it. Thousands of us have done this.

 

No one has ever lost. Any money you pay along the way you get back.

 

The first thing you need to do is get your bank statements so you know how much they owe you.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

This is a copy of the SAR letter, just copy it and put your own details on it.

 

It does look very scary at first, but its not. We all help each other on here.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/62125-posted-1-a.html

 

This is my thread, have a read and you will see how easy it is to get started.

Any worries just shout. :D

But please read as much as you can.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hiya kgrant,

 

Welcome to the forum, :)

 

First of all. YES it is definatly worth it. Thousands of us have done this.

 

No one has ever lost. Any money you pay along the way you get back.

 

The first thing you need to do is get your bank statements so you know how much they owe you.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

This is a copy of the SAR letter, just copy it and put your own details on it.

 

It does look very scary at first, but its not. We all help each other on here.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/62125-posted-1-a.html

 

This is my thread, have a read and you will see how easy it is to get started.

Any worries just shout. :D

But please read as much as you can.

 

 

 

 

 

this template how do you copy it? do you just write out what it says on it or is there a way of copying from the site?:confused: (might be sounding a bit dumb at this stage:) )

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right click on the letter, press copy.

 

go to word or note pad. get clear page.

right click then press paste.

The letter should be there, just alter for your details and print.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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The address you use is

HALIFAX PLC

TRINITY ROAD

HALIFAX

WEST YORKSHIRE

HX1 2RG

 

Use this adress all the time. It is direct.

 

 

If i have been any help please click on my scales, thanx.

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi kgrant,

 

I was directed here by a debt adviser, I phoned a free phone number last July and when I told him my bank was making so many charges I couldn't get ahead of myself he said claim them back.

 

So I came here and so far had success with Smile bank, now I'm waiting for my statements from Halifax and Yorkshire who I banked with before Smile.

 

So it's worth the time and effort and reading a lot of posts on here.

 

Yvette

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Hi - good luck all. I was successful with the Halifax earlier this year. They settled with me really quickly, for the full amount requested :D :D :D .

 

Have a read of my thread to see my timescales.

 

Remember to follow the tried and tested letters and timescales and you will have back what is rightfully yours --- what they shouldn't have taken from you in the first place. :mad:

 

The help, information, advice and support on this site are fantastic. Stick with it and you won't go wrong!! The Halifax do seem to be one of the easier "targets" having read through many threads.

 

Best wishes.

 

jaxads x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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It probably won't. Mine didn't. Just check as to when the cheque has been cashed.

 

As a side note, if it doesn't show up as signed for, complain to the Royal Mail and you'll get a book of first class stamps as compo, even though it HAS been delivered! :lol: I did this and the stamps will come in handy when posting the SARs off for my other claims!

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