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    • How do I 'link' a letter without posting it publicly. Sorry for stupid question.
    • Rather than dsunaks lies, lets look at the reaL Data and real black holes in the UKs budget - all created by the poop Tories   Public sector finances, UK: April 2024   Main points Borrowing – the difference between public sector spending and income – was (a black hole of) £20.5 billion in JUST April 2024, the fourth highest April borrowing since monthly records began in 1993. Borrowing in April 2024 was £1.5 billion more than in April 2023 and £1.2 billion more than the £19.3 billion forecast by the Office for Budget Responsibility (OBR). Public sector receipts grew by £1.6 billion compared with April 2023, however, this growth was outstripped by a £3.1 billion increase in spending over the same period. Since our March 2024 publication, we have increased our initial estimate of borrowing in the financial year ending March 2024 by £0.8 billion to £121.4 billion, now £7.3 billion more than the £114.1 billion forecast by the OBR. Public sector net debt excluding public sector banks (debt) at the end of April 2024 was provisionally estimated at 97.9% of gross domestic product (GDP); this was 2.5 percentage points more than at the end of April 2023, and remains at levels last seen in the early 1960s. Excluding the Bank of England, debt was 89.9% of GDP, 8.0 percentage points lower than the wider debt measure. Public sector net worth excluding public sector banks was in deficit by £703.4 billion at the end of April 2024, a £93.5 billion larger deficit than at the end of April 2023.     and the Tory legacy of financial mismanagement  to be passed on :   UK government debt 2023 | Statista WWW.STATISTA.COM Government debt in the United Kingdom reached over 2.25 trillion British pounds in 2022/23, compared with 1.83 trillion pounds in...  
    • yep. if they send no paperwork by the time mediation comes to be able to make an informed decision upon mediation..you refuse it. keep reading up here dx  
    • uncle, why you think the last 2 years I did not not do this lol - 90% was keeping my partner sane... but after explaining everything and that we have a plan she is feeling a lot better about it.
    • That's very interesting to hear! I received a notification of a CC verification from Coles in Australia on the 12th May - also a Sunday evening. Not having been to Oz for about 30 years I was somewhat suspicious and so immediately cancelled the card. Guess what, it's the one I use to pay Lyca with........... If you've got any further information I'd be interested in hearing it.
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    • 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.

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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.

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      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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Sharkie v Halifax ***WON***


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good luck sharkie if you need any help just give a shout

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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  • 3 months later...

Full offer received yesterday.

According to the letter only two working days to go to get the money.

 

Stick to the schedule everybody.

 

 

Sharkie

 

Sharkie - V - Woolwich = Won

Sharkie - V - Sainsbury's Visa = Won

Sharkie - V - HSBC = Won

Sharkie - V - Halifax = Won

Sharkie

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Money in the bank.

 

 

Sharkie

 

Sharkie - V - Woolwich = Won

Sharkie - V - Sainsbury's Visa = Won

Sharkie - V - HSBC = Won

Sharkie - V - Halifax = Won

Sharkie

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Well done Sharkie! It's a great feeling when they just keep coughing up isn't it!

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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WELL DONE --- Enjoy :D :D

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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Thanks

 

Just about to start on the credit card side.

As soon as I sent my S.A.R. for Sainsbury's Visa (administered by Halifax) Halifax CC got nasty, now I have just got current account charges back they will not reply to letters.

 

Has anyone managed to get charges paid direct and not into account.

 

 

Sharkie

 

Sharkie - V - Woolwich = Won

Sharkie - V - Sainsbury's Visa = Won

Sharkie - V - HSBC = Won

Sharkie - V - Halifax = Won

Sharkie

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  • 6 months later...

Thought this one was dead.

 

Our current account has had very little movement and has always remained in credit, however having supposedly cancelled all our direct debits with them at the end of 2006, they have allowed the AA to attempt to collect a subscription at the end of 2007 and susequently charged us for the process.

 

So Ding Ding.

 

Sharkie

 

Sharkie - V - Woolwich = Won

Sharkie - V - Sainsbury's Visa = Won

Sharkie - V - HSBC = Won

Sharkie - V - Halifax = Won

Sharkie - V - MBNA = Won

 

 

If this has been of any help, and or support click on the scales.

Sharkie

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  • 3 months later...
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