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    • That's great work.  Well done on both the content and the level of snottiness.  That's exactly the sort of thing your wife should send, let them know she's sussed their sordid scheme and will be big trouble for them if they do court.  Fancy trying to charge her for overstaying for one minute!   Excellent "Dear Philip and Sian" research, I must confess I didn't know who ran PE, this will be something to suggest to Caggers in future PE cases!   If none of the other regulars object invest in a 2nd class stamp tomorrow and get a free Certificate of Posting from the post office. My Road My Town My County My Postcode Date Your Reference No. Dear Philip and Sian, Thanks for wasting your pennies and sending me a letter before claim. I understand you think I owe you something. I had a good laugh at the idea you actually really thought I'd take such tripe seriously and cough up! Now, you know that your claim has no basis and I know that you know that your claim has no basis Your can either drop this hopeless case or get a good spanking in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and I’ll be able spend some of your ill-gotten gains. Me
    • External Affairs Secretary Angus Robertson calls for urgent action from Westminster over temporary visas.View the full article
    • just post it here as text then we can edit if necessary
    • 1st try for snotty letter.     lbccc v1.pdf
    • I do feel now that I would like to comment on some points raised on some of the posts on this feed:   Although I found the appearance and comments from Zac to be rather strange, I have not left a scathing review; I was merely seeking some advice as I have never been in this situation before and did not know what to do.   The information I have provided is factual, transparent, and comprehensive. The pdf I posted of full correspondence, screenshots with text on (and to clarify direct quotations from the video walk round), and photographs of the bonnet show this.   The emails and comments posted by the dealer do not constitute the full facts of the situation as he stated, and it makes me feel sick that I have repeatedly been called a bully and a blackmailer (via correspondence and forum comments) throughout this. Additionally, the 4th email posted by the dealer which he named as the response to the email above it was not the response I received to it.   I have made it clear from the start that I wish to keep the car and only wanted it in the condition as advertised. Upon receipt of my first email concerning my complaint (not the best email, I know), it was very clear that the dealer wanted the car back. His response to this was a WhatsApp message which ended in “To be frank I don’t want to sell some one a car that insults and then blackmails me”. This was also the only option provided which would not cost me considerable time or expense. Although it would still have left me without a car (and having to resume my search), as my old Golf was due to be collected by a private buyer. Also, this was the only option offered without sarcastic and/or patronising comments attached. This is of course only my personal opinion and I am aware that I may not be fully objective on this point, but I felt bullied into doing what the dealer wanted.   Whilst I understand my initial email was quite conflict orientated, and that I have not dealt with this situation well, I don’t believe it excuses the responses I received. I am at a loss to see how this is above and beyond in terms of customer service.   As the dealer pointed out, I did state that the car was in fantastic condition for its year (the interior is fantastic for the year), apart from the bonnet of course. The car has most likely done predominately motorway miles which would account for the bonnet. There are minor issues which also don’t match up with the video walk round. Namely, a tiny dent in the rear wheel arch, which is barely even noticeable, several paint chips around one of the doors, the odd stone chip elsewhere, the alloy wheels are in good condition, but not absolutely pristine as most were described as (I had assumed maybe these has been reconditioned), the rear loading strip is heavily marked all the way across, but the paintwork not affected. However, all of these I feel are minor in a 10 year old car. Upon reflection ‘great’ may have been a better representation than ‘fantastic' on my comment.   During my initial phone complaint, I was told that I was the first customer to complain in over 50 cars (can’t recall the exact number but remember it being in the 50’s) to which I said that I felt bad about, later it was 300…   I never asked for £150. As mentioned before, I accepted this offer over the phone after the dealer had told me that I would not be able to get a stone chip repair company to rectify, as “there are hundreds,” and that it would need respraying. He told me that it would cost him £150 (did not mention plus V.A.T) and that it might cost me £200 here.   I was confused by the pricing structure mentioned (from the chap he has previously told me he has used for his body work repairs for years) as this appeared to be an invoice, which I assumed was for another car’s repairs. The total cost was over £1,000. It stated £180 for a bonnet repair and paint (vandal damage, small repair or paint correction) and on the second page V.A.T was added. If this is correct this would surely equate to a total cost of £216 for the bonnet, but of course I could be wrong. Not inclusive of the cost of collecting and delivering the car back to me, as I have been informed that this should not be of inconvenience or cost to me.   I asked for a larger contribution as initially I was led to believe it would cost me £50 and a little inconvenience. Only after I stated the specific consumer rights (which I had Googled over the weekend) and sent the dealer photos of the bonnet did he offer me a further £112.50 for this. In hindsight I could have specified a figure, and that I still did not expect the blended wings to be paid for. Before this, the dealer stated that he did not wish to negotiate any further and to take the car back to him to paint or they will refund and collect. Upon seeking more specific advice on Monday I was informed of my full rights in this circumstance.   It is certainly not a case of changing my mind because I wanted a brand new bonnet etc. and I disagree that the dealer kept his "kool" and replied respectfully throughout, as I do not consider sarcastic and derogatory comments throughout as respectful.   The warranty is a 6 month bronze package from Warranty Wise in this case, which I believe is the only option for a car over 100,000 miles.   I’m unsure as to the significance of the dealer counting 14 stone chips, but maybe this was on one of the photos close to the edge of the bonnet. I have not zoomed in, merely taken a photos of different areas of the bonnet. You can gauge the size on the photos which are closer to the front headlight area. Also, again this issue is not about the size of the stone chips, which do vary in size throughout, it is about the sheer amount across the bonnet not being as described. I did state that these were difficult to see in sunlight or at a distance. However, upon reflection I should have stated more clearly i.e. direct sunshine. I believe 2 or 3 were pointed out on the front edge of the bonnet in the video walk round. In which the dealer stated "Body work is absolutely stunning for the year, with only very minor age related marks, which we’ll point out as we walk round… Bonnet; no scratches, no dents, no damage. If we look closely, we might find the odd little stone chip here and there that have been touched in, little one there, very difficult to see. Little one there, look. So, it's got the odd little stone chip on the front of the bonnet edge, apart from that it's very very clean."   There are not over 30 emails about this, there are 12 and 11 WhatsApp messages (inclusive of the 2 photos of the body shop invoice).   From what I understand about mediation, its purpose is to negotiate to resolve an issue as timely and smoothly as possible. The last emails from the dealer stated that they had no choice but to take legal advice and pass all their correspondence to Lawgistics. With a formal retraction of all previous offers except returning the car to them for a refund, which would be my responsibility. This also informed me of the AA ADR. Followed by one stating “My apologies I forgot to include the phone number for the legal team… Bonnie is the team leader should you wish to escalate to the highest level. Please note that on taking further advice we are under no obligation to offer a refund for the vehicle.”   The dealer also stated “our car” at the end of one of his posts which is odd. It is legally my car which was purchased online in good faith.   Bankfodder’s recent comment concerning the AA does indicate he is saying the AA does not know what they are talking about.   Lastly, I am also unsure as to why anyone would want to deliberately add stone chips to their newly purchased car, or indeed how. Is this even possible?
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Hi folks,

 

First time poster so please be gentle :).

 

I am an employee with HBOS and having viewed watchdog tonight I found this site. I too have been stung by bank charges but am apprehensive about claiming these back as an employee of the firm - do you think it is wise to do so?

 

I can only view the last two years accounts online but so far have £186 of charges in these two years. I am going to go into a branch to request the previous 4 years statemets as I know that I have been stung for a lot more than that.

 

I had no option but to open an account with halifax as a member of staff and have found them to be inflexible to the extreme - even to the point where I had a direct debit taken from my account without my permission I was forced to travel 20 miles to my branch with a broken leg to claim a direct debit indemnity as they could not do it over the phone. :-x

 

Any opinions welcome.

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Hi

 

I work for HBOS as well. I have been stung for a small fortune by them. I dont like working for the bank, I bank with.

 

But, dont forget your CBT's (computer based training) Information Security and Data Protection Act. They cant use information out of context. It must be for the use it was intended.

 

I know other people who work for HBOS plc who have complained about charges.

 

I have asked for mine back. And will go to court if I have to.

 

They have to keep banking and work separate. You can also go to Accord for help, but they seem to go along with HBOS, so caution. The CAB are good as well.

 

Good luck

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Hiya

 

I used to work for A & L a few yrs ago and am only just reclaiming back the charges, see my thread matt-man v A & L.

 

I can remember having a missed DD and getting charged when i worked for them, a week later my area sales manager had me in the office asking for full details as to why it happened and hat action i was taking etc etc. At the time i was incredibly embarrassed but now it makes my blood boil thinking about it. How dare they link work life and your banking problems, especially as they force you to open an account when you work for them!!!

 

Go get them!

 

Matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Trouble is if they are anything like A & L they won't pay your salary into any other account other than a HBoS account. They stitch you up big time as they can then monitor your account in as much detail as they like and all your colleagues can have a good look when ever they fancy too!

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Well i'm lucky as i left a few yrs ago so no recourse now!

 

As for HBOS STAFF MEMBER, perhaps one of the Mods could approach them and stick them on the CAG payroll, it's great to have an insider!!!!!

 

Any more tips HBOS STAFF MEMBER?????

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19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Hi. i also used to work for this bank and just before I left we was told we could have our salary paid into another bank elsewhere, so if you did decide to pursue your claim (which I would), and they closed your account it would do you a favour. From my experience one department doesn't talk to the other anyway and unless someone actually recognised the staff indicator on your account, they wouldn't realise the complaint was from a staff member!

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  • 2 months later...

Well I finally received all my statements (took them 12 weeks!!!). Sent in my prelim letter on 9/5/07. Received my response this morning which basically say that the OFT have found against credit cards not bank accounts - our charges are legal & by the way heres a leaflet about managing your money better!

 

The buggers owe me £662 - so do I send my LBA now or do I have to wait for the 14 days to expire???

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Yes, send the lba.

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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  • 3 weeks later...
Trouble is if they are anything like A & L they won't pay your salary into any other account other than a HBoS account. They stitch you up big time as they can then monitor your account in as much detail as they like and all your colleagues can have a good look when ever they fancy too!

 

Welcome aboard. Glad you found this site. I have heard of those conditions of employment. Does it not however go back to older times and has probably been overtaken by legislation, but has not been challenged. After all, it stops you from shopping around for the best deal although they would probably argue that you get a discounted rate. But, look what happens with mass action. Get enough colleagues on it and imagine!!

 

You surely have rights under human Rights and European Legislation. Something for the union?? It does not seem right that you are treated that way.

 

Do you get charged the same rate as everyone else??

 

Follow advice on boards, check out library.

 

Best regards to all!!!!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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Hi again. Just a thought but don't post here in work time. Big brother and all that!! Sorry, you have probably thought of that.

Best wishes, Kenny:)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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  • 4 weeks later...

I have now received an offer after filing my claim with the court. I am claiming £846 (£662 + £184 statuatory interest) . The Halifax have now written to me offering me £429 in full and final settlement. Unless I phone them the mony will go into my account in full & final settlement. I did debate whether to accept and now think I should just persue it to the end. Has anyone else received an offer like this and been refused an award by the court because you have received an offer?

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hi ya have a look in this

Rejecting Offers why should you settle for half of what they owe you good luck

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

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

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Yeah!

 

Reject it! (Or - accept it as "PARTIAL REPAYMENT" - you are going for it all!)

 

 

Kennythecelt wrote this in my thread:

 

Very best of Good luck on Monday!!!

 

"Having spoken to them several times and dropping in seemingly innocent questions about what they do, they work to some sort of internal procedure.

 

Pile 1- working on. Someone in there does the calculations. Someone else does the public interface. Make 50% offer. When refused make higher offer, ask you what you want ie 100% refund. They have delgated authority to the manager of the team to make offer up to £9999.99. If over that it is referred onto another team who will eventually consider it. Interest decsions, it appears are not taken at this stage unless court or FSO involved.

 

Pile 2- Mine was in this one. Letters of refusal, sometimes within timescale, sometimes not. This is the black hole, land that time forgot!Cases here are forgotten about until its pushed or fso/ court involved. This is where the phone calls come in.

 

These teams say they take no responsibility for lack of action by others within hbos group for not adhering to timescales for SARs. However, if pushed and the point is made it seems to make them a bit more inclined to help out. They have the on screen facility to record any details you request over the phone eg no action on SARs etc.

 

Above is only my impression of what happened in my case!!"

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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hbos staff member- hi again!!

 

Stick out for full 100%. Nothing less- it is your money!! Usual letter they have sent you. Let them pay it into your account. Send letter to your client manager saying you only accept it as a partial settlement and your claim is same as before.

 

You could also phone them. You will go through the reassessment/ appeal/ procedure. Another team will look at it.

 

Remember you can go to FOS whilst this is happening. You can tell them that/ put it in writing too!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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  • 1 month later...

Just wondering how your case was progressing. Please update when you can. We are all interested.

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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think its disgraceful that you had to open account with ppl you are employed by ,, surely they can pay Your money into any account you see fit ,, i think this is a violation of personnal rights ,, open new account and insist about getting wages paid into it :) ,, well just my opinion lol

 

good luck

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