Jump to content


  • Tweets

  • Posts

    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
  • 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

Now it's my turn!!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6504 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

Hello all,

 

I posted the template to the Halifax asking for all details of charges form the past six years on the 21st April. The cheque for ten pounds was cashed on the 10th May. I assume I will be receiving my statemennts shortly.

 

The account in question has been closed for a good six months, and we owe some money on a credit card and loan which is being paid off slowly but at a rate we can afford. All accounts with the Halifax have been closed, could they just offset any refund against the money we owe them, or do we directly recieve any justified refunds?

 

Thanks for any help, or if anyone is in the same situation what happened with you.

 

If any refund is forthcoming, I think it is definitely a good idea to donate a portion to this wonderful site.

Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i dont think they could use the refunded money to pay the money back you owe... the refunded money at the end of the day is your property not theirs. otherwise in effect its the same as them stealing the money from you - which they pretty much do anyway with all the charges!

 

good luck!

Link to post
Share on other sites

In the case of a closed account, I can't see how they could do that, they should just make a cheque payable for the whole amount. It would then be up to you to resolve the amounts owed on these accounts / cards.

 

That doesn't mean they wouldn't try....

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

there would be no precedent or authority for Halifax to credit either of your remaining accounts with monies refunded relating to a closed account. They would not have your authority to do so. It is likely that you will receive a cheque as payment.

 

That is not to say that they may "offer" to offset. But they would require your authority/agreement.

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

Link to post
Share on other sites

Thanks for all your replies, I've been away for a few days so apologies for the delay in responding.

 

I returned to find statements dating back five years, I've run through them and totalled up all the charges, the magic figure...... £1403.

On to step 2!!!

Link to post
Share on other sites

Just a quick one, I don't know if anyone can help. The halifax closed my account when I stopped using it when it was £234 overdrawn, all brought about by charges. I suppose it's obvious, but I can't include these charges when I claim back what is owed because I never actually paid them, right?????

Link to post
Share on other sites

Yes, you need to include all the charges, and then effectively 'pay them back' once you get the refund.

 

I'm in the same position.

 

By the way, have your credit files been affected by this debt?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

Hi Jonni,

 

my credit file has been affected through these charges, as I didn't always have enough in the bank to pay credit cards etc, which also incurred late payment charges. It turned into one big vicious circle.

 

Big day for you tomorrow,Court action commences??

Good Luck!!!

Link to post
Share on other sites

Well, sent the 2nd letter off this morning asking for it all back. Went for the full £1403 in the end. Hopefully this won't give them excuses not to pay at all.

 

Fingers crossed!!

 

They don't have any phone details for me any more so at least things will be done within the comfort of an envelope. Much less chance of confusing me when it's in writing:|

Link to post
Share on other sites

Since I last posted I have received another set of statements (probably got my tenners worth in postage there!!), the standard 'we'll get back to you in 4 weeks' letter and then today I received an offer of £278 in full and final settlement. I was ready to write my letter stating that I am working to my own timescale and they should comply within my 14 day deadline before my LBA. This offer of settlement has given the old confidence a lift and I can now tie in the refusal of their offer in with the working to my timescale letter.

 

Should I accept their offer but remind them that I will be seeking recovery of the full amount?

 

This looks to be moving in the right direction and my missus is even starting to believe now!!!

Link to post
Share on other sites

You can certainly accept on that basis, but it's also very likely that they will withdraw it. If you are at the dtage of another letter anyway, just add it into that.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

It would be much appreciated if someone more knowledgable than myself could scan through this letter and let me know if it is okay? Thanks in advance.

 

 

Dear Sir/Madam,

Thank you for your letters; dated 24th & 26th May 2006, in response to my letter, dated 20th May 2006. I would like to refer back to my letter dating back to the 20th where I outlined the timescales I would be working to, I have allowed 14 days from the date of that letter for you to issue a refund of £1403 in full and final payment in respect of the unlawful charges levied against me in the five years I held this account.

On 26th May you made me a full and final offer of £278.00. Unfortunately I find your offer totally unacceptable as full and final settlement.

I require repayment in full of this money. If you do not comply fully within 14 days of my letter dated the 20th May 2006 then I shall issue you with a letter before action giving you a further 14 days to comply, before starting a claim against you for the full amount plus interest plus my costs and without further notice.

I hope that we can conclude this matter swiftly.

Yours Faithfully,

Link to post
Share on other sites

I agree with Jonni. I wouldn't even bother. I got the same letter offering £83.00. Not worth the ink and paper replying. Just sent the LBA within my timescale, and now have done the moneyclaim online.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

Link to post
Share on other sites

if your letter was dated 20th and you gave them 14 days your LBA is due next saturday anyway. As Jonni says, just add a paragraph at the beginning declining their KIND offer!!!! If you have no intention of accepting an offer they'll let it go all the way anyway.

 

My claim is only for £450 and I got an offer of £83. I declined this on my LBA and they didn't even reply. I have been a customer for 30 years and have a mortgage and loan with them all fully paid up and always been a compliant customer coughing up charges on the odd occasion (£450 in 6 years) and they have still held out until I made the moneyclaim online.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

Link to post
Share on other sites

You can certainly write that letter - it would show a court that you had attempted to resolve the matter at all stages.

 

If you prefer, wait until the date for sending the LBA and include a note in that, as above, stating that their last offer is not acceptable as F&F but you will take it and claim the rest if they agree.

 

Which they won't.:D

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

Just an update on my progress....

 

 

I haven't managed to send the refusal of offer letter as I got called away for work. Nevermind, I think such a derisory offer deserves to be ignored on reflection:D .

 

As Vix pointed out, the LBA is due on Saturday so I've got that all ready to post off.

 

What will happen now that the OFT deadline for justification of the level of charges has now arrived. Will the bank have anything up their sleeves that could effect anyone not fortunate enough too already have been settled????

Link to post
Share on other sites

Well, we doubt it!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

One question that I keep forgetting to ask, the account I am claiming on has been closed but I do have a an unused basic account that has a quid in with them.

 

If I was successful in my claim would they automatically pay the money into this basic account? I would be reluctant to have this done as Halifax have clauses in their contract that states they can withdraw funds from any other held accounts to satisfy any arrears on other accounts. As I have stated before, we do have loan and credit card accounts in arrears which we are slowly paying off. Surely they would just take this money back to lessen the debt on the others.

 

I don't mind closing this basic account because we have a Natwest Current account that we use now, but what is the best/ quickest way to close the account?

Link to post
Share on other sites

Don't know about that. Have got my charges back today and they were paid into the current account that I claimed them from.

 

I would think the quickest way to close an account is to go into the branch. I have done this before and they close it straight away.

 

Hope this helps.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

Link to post
Share on other sites

No probs. Hope you get your soon. Good Luck.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6504 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...