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    • Thank you for your advice so far, I appreciate it. However, while I don't have a problem with (subjective) reformatting of my posts, adding hyperlinks to keywords, etc., please can you stop editing the content of what I write - in this case, making sure this now potentially appears prominently for anyone searching the purchasing dealer on search engines? It is putting words in my mouth and is just rude. My earlier comments are based on what the dealer told me. Had I known what would have happened, should I have named them, I wouldn't have, as I cannot guarantee the veracity of the claim with my own eyes.    I am aware of the basic intricacies of needing to prove law, and how it works in general, and having to prove loss, etc. The only legal recourse mentioned was if I needed to pay for it myself - and if I need to go that way, I will keep a running update here to help others. I am aware I will have to pay for the repair myself before I go down any legal recourse. There are other aspects of the various acts that can also be explored if it appears they are not following their obligations, other than me paying and claiming back. I am not a lawyer, nor have I needed to understand that the legislation does this depth in the past - hence my asking for assistance here. The only reason I mentioned it in passing is that it is the last resort.   And again, I don't mean to sound ungrateful for the advice given thus far, and appreciate it, and you have already helped. I feel like we have gone straight to level 11.   My current view of this is: It's closer to £9k, having looked at it again today. You may be able to drop £9k at the drop of a hat - but I can't, especially around an already expensive time of the year. And I earn enough to put me in the smaller percentage of the county’s earners. I hated having to type that as it can come across as boasting, but I did it to explain that having that much liquid cash is unrealistic - especially with interest rates what they are. I would have to sell equity, cash out saving etc. This will take time. The only card I have with enough credit limit to cover that much is my company one, which is a no-go. I agree this is taking too long for a simple, albeit expensive fault. It's analogous to fixing a crack in a windscreen. No one would call for an engineer report on that situation to know what the cause and solution was The core driver for me arriving here asking for advice is the additional delay their potential cowboy of an engineering company will introduce. A view reinforced having spoken to them to arrange a date. I am not putting any more exact details or prices at this stage, because I don't want to be any more identified than you already have by changing the thread title. One Google and those with knowledge know exactly who I am, and I don't want to potentially damage relations with the parties on my side by opening a potential can of worms. Law of unintended consequences and all that. In hindsight, I regret naming anyone yet, as this can still realistically be resolved this week. I just wanted to initially come for education and understand my options. Hope for the best, plan for the worst. And to escalate if plan A or B didn't work.   To answer:     I think I have. I phoned them today again, asserting the complaint was raised as a rejection under section 75 and recorded the call. I plan to follow this up tonight in an email with all the magic incantations and keywords I seem to have to include. However, I would still appreciate it being proofread if I could send it to someone via a PM. This is not because I have left any details out, it is just that it will include details around the repair I do not want to put in the public domain at this time, as it may compromise my position.
    • Hobnail please don't take offence . DX covers so many different threads throughout the Forum so tends to be quite short in more ways than one. And while he may have been away from school when public relations were on the curriculum he is right when he said that you do need to understand how these crooks operate to be able to able to beat them in Court. All of us here want our members to win against the parking companies  and the best way is to see how others have handled similar situations. I expect he knows that you may not have looked at many threads on here to give you ideas to better your chances of winning.   You may have heard of the expression "Judge Lottery" on here where some judge comes up with an off the wall decision that virtually no other judge has come up with. So even where you have almost a cast iron case it can all go awry and the way to help circumvent these judges is to have sufficient knowledge and understanding to be able to counter his or her judgement.   I happen to think that no one should lose their case on airport land since the roads  are usually covered by the Road Traffic Act and /or Bye Laws since the land is not relevant land under PoFA. But it is surely better to be over qualified in your knowledge of your case rather than being under prepared. You never know until it is too late when you needed to be over qualified. We all hate it here when one of our members don't win their case so DX in his own sweet way🙂  is just making sure that you have the best possible chance of walking away a winner.   PS I had started to write this before Dx wrote his post just now.  
    • this thread is rather co-incidental to yours - same players same amount.     looks like prac/bw might have looked at credit files to see who also lived there at the time, whom sadly they think be responsible too.   you say like the above thread, EON refunded the £89 earlier as an over payment payment? how strange, and after you moved out now claim its owed.   you are correct in saying you owe nowt, its after you moved out....ruddy fleecers.   as that other thread too, does the PRAC letter state our client EON at the top?        
    • you indicated you had collected stuff from lowells sent your old address? that is what we are interest in?   what is in the vanquis GDPR return (SAR) is pretty much immaterial now as you've not mentioned or referred to any of it in your WS.
    • nope, i will use any tool in my book to make sure you get things right. we give vague answers because it's oneway to make people research and investigate by searching here on CAG .   i've lost count of the times here various CAG members have also asked you to research and read up.   its not done to annoy, it's not done to belittle, it's done because simon is a very very slippery customer and WILL exploit the slightest error.   you are now fast approaching the most important stage - witness statement exchange and unless that's done in a way that naisl him SHUT, she will have a very difficult time understanding and explaining everything infront of and to a judge. You can't be there, only she can and if you don't 1000% understand what is being put and done, how are you going to pass that understanding on?   me and other members can help you all we can and will to the dying end, but if it doesn't sink in...i dread to think of her chances....   dx          
  • Our picks

Firefox V HFC Bank ** WON **


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Hi all

Fresh from my success with NatWest I am about to chase HFC for a samll amount. I already have my statements to hand and am sending the prelim letter for payment tomorrow. Question... is the process exactly the same as NatWest? I'm guessing it is. Secondly...is the address in Birmingham the one I use for all correspondence? I have a lot of admin fees - £15.00 so thought I'd get them back.

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I sent my subject access request to the their head office which had a Slough (SL) postcode. This resulted in a delay, and all my subsequent letters were sent to the PO box address in Birmingham, since when their responses - although otherwise unsatisfactory - have at least been quick!

 

Use the Birmingham address if I were you.

Bank charges reclaimed:

£2160 from First Direct.

£415 + costs from HFC/Beneficial

£409 + costs + interest from RBS (£544.39)

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  • 2 weeks later...

Sent my prelim letter on 3/03/07 and today received response saying no form their Complaints Manager. She has advised I follow their internal complaints procedure. Next step LBA. Thought they may not have argued over £350!!

:)

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About to send my LBA but have just noticed on a NAtwest thread that someone is saying to reduce the time you give them from 14 to 7 days before court action. Is this right?

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I gave seven days on my LBA for all three of my claims, and I made sure to write calendar days

Bank charges reclaimed:

£2160 from First Direct.

£415 + costs from HFC/Beneficial

£409 + costs + interest from RBS (£544.39)

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  • 4 weeks later...

Ok. No response to my LBA. The time scale I gave then has well passed as I have just been away for 10 days. My question is shall I give Rachel Daramola a call and ask if they want to avoid the addition of court costs before I issue the MCOL? Next question is does anyone have a contact number for her?

 

Thanks

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If you are happy to talk to them on the phone then it is always worth doing - and really the court does put an onus on claimants to try and seek a settlement before a clam is issued. However, don't let them sidetrack you.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Thanks for that Alan. Dont think they can sidetrack me as Im on a high after winning against Natwest. Have learnt so much from this site, not least a bit of self belief and more confidence:)

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Thanks for that Alan. Dont think they can sidetrack me as Im on a high after winning against Natwest. Have learnt so much from this site, not least a bit of self belief and more confidence:)

 

 

Hi All

 

Rachel Daramola-Martin works in the Winkfield office (HFC Bank's registered head office). The reception number there is 01344 890000.

 

If you call Birmingham, you will only get put on hold til they transfer your call.

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Got another letter today offering exactly half so after phone call to them on Monday offering to save them the court fee if they want to settle in full I will fill in the MCOL. Same pattern as NatWest!!

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I got the same offer yesterday exactly half without the interest they said it would be a good will payment.

I did'nt think banks had any goodwill

 

Ian

 

They don't - it's pure economics to them. Some customers will settle at this stage and that's money saved to the bank.

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  • 2 weeks later...

Called Winkfield office today rejecting their half offer. I asked if they wanted to settle in full now as it is such a small amount and pointed out it would avoid them having to pay court costs and added interest. The guy on the other end said they wouldnt offer more than half so to go ahead with the court claim. MCOL will be completed tomorrow. Here we go again !!! What a waste of their money and the court time eh?:rolleyes:

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  • 1 month later...

I sent a letter confirming I would not accept half and telling them I was off to court. Saturday morning a letter offering full amount into a bank account of my choice within 14 days arrived !!!

Result....yahoo:D

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well done m8 , got a letter saturday saying we aint paying you diddly squat so letter went out dinner time saying you got 7 days left pay or go up against the fireing squad and prepare to take wats thrown at you . only took them 1 day to investagate and send the reply out to me ( yeh right)

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Hi Firefox,

Well done. I'm just about to file my claim with them for the first of two accounts and your thread is really encouraging. They offered me £37.50 after first letter and now they've offered me £75 out of £195, so if I follow your lead and send them a letter, I could be in for a nice surprise next week :) Won't hold my breath though and won't start the second one just yet, just in case

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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