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    • go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
    • Hello, Just to check I understand things right, he moved to a nursing home, you then kept paying the rent for a period of time whilst you sorted his belongings. You have asked to give notice and asked for backdated payments of rent from when you first asked which went ignored? They are still taking rent payments.   Have I understood correct?   If I've got anything wrong please correct me.
    • I contacted Sanctury housing in August 2023 after informing them my father in law who had Dementia had moved into a Nursing home December 2022. We kept the flat for 8 months until such a time we could accomodate some of his furniture that my wife wanted to keep. I contacted them in August 2023 to let them know the situation by email as I was the named person that could speak on his behalf. I informed them that we had left it to late for POT and were seeing a solicitor for Deputyship of his financies. I asked them what information would they need in order to give notice on the flat and we could provide details of his condition and nursing home. This went ignored I left it a month and then called them October 2023. I was promised a call back from a manager over the next few days. This never happened and it was end of November when I contacted them again and they had no record of me calling them. I explained the email and again I was told the local manager to the area would call me. This never happened and I ended up emailing them in January 2024 with a copy of the email from August. Again this went ignored and I had explained to them that we couldn't just go to the bank and stop the DD as we had tried. This email again went ignored. I then had a letter written to our home address in February asking us to get in contact with them (local manager) as they were concerend nobody was living in the flat. He had an email address so I copied in the last 2 emails to say I had been trying to give notice since August 2023. I also stated that I would like the rent that was paid from August 2023 refunded back to his account as I had officially tried to give notice then and it went ignored. He replied to us about wanting to look at the flat then notice could be given once he had contacted the nursing home to confirm he was actually living there now. Notice was giving for the 22 March 2024 and this would be when rent would stop and no further payment would be taken by this point. The fact I asked to be back dated went ignored. I have since noticed on 2 banks statement for April and May that they are still taking Rent payments of £501 from his bank. Further to this which seems very strange. He was with Eon Next for his utility bill again we were having problems getting this stopped as they needed a named person on his account which there wasn't one despite me managing his online account for him. I didn't check the email address that often that I used to set it up and went to check as noticed the credit he had built up with not living there was all getting refunded in February. The email said £600 would be refunded to his account with a (sorry you are leaving us message) but how can he leave as nobody but himself had access to speak with them. I also noticed the lady in the flat above him had a letter from her bank sent to his address with his address details but his name which was dated 4th March well before we had given notice and it said (thank you for giving us your new address details) we have set all this up for your account.   So Sanctuary housing must have been aware he wasn't living there from the ignored emails for the lady above to start changing address details to move into his flat before the housing manager had even got in contact to ask if anyone was living there. What I basically want to know his do we have any legal standing to claim the rent back from when I first contacted them in August 2023? There is roughly £3000 to come back  
    • lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • i see you are posting this all over the internet too. here you say it was returned by the safety camera dept UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please? WWW.FTLA.UK UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please?  
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      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.  

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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hidden_angel v halifax won today !!!!


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hi , i sent my 10 pound postal order along with the first letter to the bank on the 9/02/07 and recieved my statements on the 19/02/07 , i rung the bank to see if they had received cause the tracker number stated on line that they had not received it ( dont go by what that says ) cause i got my statements , they told me that they only charge 5 pound and on the phone she put notes on my account to send me also statements of my second account i have with them :) , i have added up 684 pound , i sent back today my second letter and a draft of each account with the totalls owing , now just to wait and see ....:rolleyes:

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Hi Hidden Angel.

 

Please start your own thread in the Halifax Bank Forum and post details of the steps you have taken so far.

I assume that the first letter was a DPA SARs request and the second letter is the preliminary request for repayment?

 

If you post details in your own thread, we can see what stage you're at. Then if you need help we can see the history of your claim and help you better.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi Hidden Angel.

 

Please start your own thread in the Halifax Bank Forum and post details of the steps you have taken so far.

I assume that the first letter was a Data Protection Act SARs request and the second letter is the preliminary request for repayment?

 

If you post details in your own thread, we can see what stage you're at. Then if you need help we can see the history of your claim and help you better.

 

Regards, Rooster.

dont no how this works , how do i post it in there ?
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Click on the following link.......

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/

 

That will take you to the Halifax Bank Forum. Then just do the same thing that you did to start this thread.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Sorry. Some of the forums are being altered to reflect the company status where one bank has been taken over by another, etc.

 

Try this link......

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

 

I've just tried it and it does work.

 

Rooster.

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hi all , i sent my letter to halifax on the 9/02/07 along with 10 pound postal order and received my statements on the 19th which i thought were pretty quick considering i had been on line to check if they had received it and signed for it and it said it had not , so dont recomend you going by what the royal mail states , i sent all my info to the head office at leeds , i rang them to check on progress and was told by a very helpfull lady that i only needed to send 5 pound and what she did was use 5 for 1 account i have with them and 5 for the 2nd account and i received statements as promised for both , i have today sent my 2nd letter again to leeds with a printout of the charges in total for each account , now just got to see if i get a reply within 14 days :rolleyes: heres hoping :-)

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Hi there Hidden Angel

 

 

You are quite right about the Royal Mail track and trace service, exactly the same happened with my DPA letters sent to Natwest, in fact according to Royal Mail, they never got delivered! However, clearly they were because I got my statements soon after.

 

Just a word about the £10 DPA fee, some banks charge you £5 per account for all statements BUT this is not full DPA disclosure and you will not receive any additional info. In most cases this is absolutely fine but is worth knowing for those cases where you need to access all info on your accounts. Also the £10 fee applies to all data held about you on all accounts by ONE organization, NOT per account, so your £10 fee would have covered both accounts anyway.

 

Wishing you loads of luck

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Hi there Hidden Angel

 

 

You are quite right about the Royal Mail track and trace service, exactly the same happened with my Data Protection Act letters sent to NatWest, in fact according to Royal Mail, they never got delivered! However, clearly they were because I got my statements soon after.

 

Just a word about the £10 DPA fee, some banks charge you £5 per account for all statements BUT this is not full DPA disclosure and you will not receive any additional info. In most cases this is absolutely fine but is worth knowing for those cases where you need to access all info on your accounts. Also the £10 fee applies to all data held about you on all accounts by ONE organization, NOT per account, so your £10 fee would have covered both accounts anyway.

 

Wishing you loads of luck

well i seemed to get all the info of bank charges , is there something else i needed then ? just a bit confused from what you said lol
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can i claim from my halifax one credit card , every month i am paying 40 quid into it yet i am being charged 12 pound for overlimit fee and 12 pound for late payment fee , so hardly any of the debt is being paid of , if so , would i send first letter addressed on the top of my statements , customer services , pitreaveie business park , dunfermiline , ky99 4bs ?

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hi hidden

 

sorry didnt mean to confuse you there.

 

a full dpa request includes all date held about you, which can include letters, notes made by staff during phone convos, interest rate notification, overdraft limits, application forms etc etc

sometimes this info can be helpful, but in a standard claim, all you need is statements.

the other reason i mentioned it is because if you agree to a £5 statement 'release' and then dont get statements, you can be left on the back foot, because the 40 day deadline isnt ticking.

 

hope that reassured you?

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Found it! Yes, you can reclaim from your credit card, as a seperate claim to your bank one. Send them an S.A.R. to that address you have there...which I understand is the registered address, with a £10 fee, and get started with that one too.

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hidden, I'm going to ask a mod to change your thread title to hidden v halifax credit card so that you can stick all your questions about this claim in here, to avoid confusion. Please don't start new threads for questions relating to claims that already have threads in future, just put them in the relevant one and they'll eventually get answered :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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They are charges, but they are in line with the OFT ruling.

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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Yes they are classed as charges and yes they are in line with the OFT ruling, but the OFT states that at a £12 fee it wouldn't interfere, it didn't say that £12 is acceptable. Therefore you can reclaim those charges...until such a point that Halifax C/C can provide a breakdown of their costs in court....which they won't. A penalty is a penalty...whether £12 or £30...it's still over-inflated.

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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crash has outlined the OFT ruling above, but I don't see that they would refund these charges, as these are now recognised as a fairer charge, and are much better than the £38 people previously faced. I think Halifax might start closing Visa's if they were challenged on this. Maybe you think otherwise? Give it a go, If someone doesn't try, we'll never know! And it will be a very interesting case to follow.

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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ab there are other people who are claiming and have successfully reclaimed these charges. (see successes link) Halifax will say they're reasonable...they said that about the £30 charges too! The fact is that they are penalty charges and at even £12 a go I personally think they aren't reasonable. As it is, hidden, the choice is yours. You can accept them, or try to reclaim them back :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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reclaim them! £12 is too much when your paying them every month and they are interfering with your ability to pay the debt off. i think you will have more than a good chance of getting these charges back. the OFT may say they are fairer but the banks wont want to go to court because of the chance they will have to show the breakdown of the charges .

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I fully intend on going after my CC charges when I've got my current A/C ones back...I'm gonna close the CC anyway, so I won't have anything to lose. Wish I was further down the line, timewise, then I could report back to you all!

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i am going to try for the simple reason as stated above that the 40 pound a month i pay ( struggle to pay ) 24 pound of it is took of straight away in charges , if i make a payment 1 day late they charge me 12 pound ? i seem to think no matter what i pay they will find some thing to charge me over :mad:

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hidden, one of the mods has obviously merged your other threads into one so these questions have re-appeared from when you previously posted them...but I hope your questions have been answered now :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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