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    • Thank you very much ericsbrother. I will pass this on to the residents of that Close, hopefully they do not pay that company for the privilege of having those signs.
    • Didn't need to submit an N245.  So long as I'm unemployed this is suspended and as I've said, at my age the chances of me getting work are very, very low.  I looked at the N245 form and it was identical to the N56 form.  I also took advice from the National Debt Helpline.  They were very nice and helpful so if anyone's afraid of calling them, they needn't be.   They also told me that if I did want to submit the N245 I could also submit the form N160 which gives help with fees.  I decided just to submit the N56 as requested, ticking the box unemployed as you suggested.  The Court accepted that.  They have left it open that should I find work then Lowells would be free to reapply to the Court which is what I expected.  However, it is unlikely that scenario will arise so as far as I'm concerned, the matter is over.  If the impossible happens and I do get a job, then I will deal with that as and when it arises.   Had I not been so careless in the first place by forgetting the Hearing date and gone to Court to fight my corner, then this would have been killed stone dead a couple of years ago.  However, what is done is done but as the old saying goes, there is more than one way to skin a rabbit.   Again, thank you for all your help.  You've been marvellous 😀    
    • Cheers for reply. I kind off thought that after I handed it in but wanted to seek further advice as I still work at the Co. I have been there 2 years
    • I'm having a bit of fun with a former landlord who I'm aiming to serve a Rent Repayment Order on. The problem I'm now having is that I think my Council's selective licensing department is mis interpreting the law. The issue is that according to their own guidelines I should, as a tenant in the property for more than 3 years, have been consulted before a license was issued. The council is now saying that I should not have been consulted at all.   The Council says  "I can confirm that the Council conform to the requirements of Schedule 5 of the Housing Act 2004 which sets out the meaning of “relevant person” for the purposes of consultation. The Act specifically states that any tenant who has an unexpired lease of 3 years or less is excluded from the consultation process prior to awarding a Selective Licence. That is why you were not consulted."   Schedule 5 says, in the only reference to 3 years at all "13(1)In this Part of this Schedule “licence” means a licence under Part 2 or 3 of this Act. (2)In this Part of this Schedule “relevant person”, in relation to a licence under Part 2 or 3 of this Act, means any person (other than a person excluded by sub-paragraph (3))— (a)who, to the knowledge of the local housing authority concerned, is— (i)a person having an estate or interest in the HMO or Part 3 house in question, or (ii)a person managing or having control of that HMO or Part 3 house (and not falling within sub-paragraph (i)), or (b)on whom any restriction or obligation is or is to be imposed by the licence in accordance with section 67(5) or 90(6). (3)The persons excluded by this sub-paragraph are— (a)the applicant for the licence and (if different) the licence holder, and (b)any tenant under a lease with an unexpired term of 3 years or less."   If correct this means tenants are never consulted.   Is this correct ? And if not, why not ?  
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mechs

Mechs and Mother (deceased) V halifax please help

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I corrected my spelling mistakes and have sent it .......but before I did I phoned them, to get the email addy for this person, someone else said I can deal with it I heard a click as I was speaking to this woman ......hahummmmm I thought shes recording this so I kept my cool and made a point of telling her about my DPA request, then after I asked her for a record of the conversation ...her reply was we dont record the conversations .and this one has not been recorded, I bet it hasnt :)


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I corrected my spelling mistakes and have sent it .......but before I did I phoned them, to get the email addy for this person, someone else said I can deal with it I heard a click as I was speaking to this woman ......hahummmmm I thought shes recording this so I kept my cool and made a point of telling her about my Data Protection Act request, then after I asked her for a record of the conversation ...her reply was we dont record the conversations .and this one has not been recorded, I bet it hasnt :)
It may have been the supervisor listening in - they normally have a button on the phone to request that the call be monitored. I've been involved in the call centre industry on the technical side for years and I know how they work - useful when they try and fob you off with excuses!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Ahhhhhhh right thanks ......but as I said they wouldnt want to record that conversation ...if they did I bet they deleted it


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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:) We received copies of statements and adding to the spreadsheet figures from these and to other charge listings received, I want to check that I am not duplicating.

 

31/01/2000 Charges as Notified 75.00

01/02/2000 Charges Incurred 75.00

 

Would you say that the above two figs are actually the same charge? Hope this makes sense!

 

mechs


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Can't be certain - are they both from the same source document (i.e. both on bank statements), or is one from a statement and the other on an investors report. If different then see if there's any other match for them around the same date (within a week or so) - none foune = same charge.

 

If from the same document type, then these are different charges (if the statement / page numbers are sequential and the charges are on different sheets).

 

I hope that isn't too confusing...! ;)


Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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one from a statement and the other on an investors report.

 

:) Thank you W&I, its as I thought, the same charge, so will have to amend the spreedsheet.

 

mechs


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Gawd! In the process of doing Money Claim Online and ......

 

You entered the following details:

Address Details:

Legal Services-Retail Division, Trinity Road, Halifax, West Yorkshire, England

Postcode:

HX1 2RG

 

The address details you have provided are outside of England and Wales.

 

!!!???!!! and there was I thinking Yorkshire was in England! .... and I can't continue ...... anyone able to advise as I would like to get this done this evening?

 

Thanks, mechs


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Thanks m8 ... hmmm yes I think I will have to use the helpline.


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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actaully i just tried it on my abandoned claim in money claim and it worked fine - did you click lookup and select next to the Address we put in for you bit (the bottom one)

 

yes I did do the lookup ... thats when the fun started lol


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Tried that m8 ... still not working. Think I'll try again tomorrow.


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Better do an update, after a lot of argy bargy from the Halifax with my statements, the following is going on, I am claiming for more than 6 years and 16% interest which is their contractual rate of interest

 

Court claim issued 9/8/06

Acknowledged on 23/8/06

 

amount of £516.18

interest of £454 @ 16 % their contractual rate and no they dont like that bit, but as its a small claim its worth the risk

 

Kind offer of £199 + £105 interest + £80 Court fee accepted, and will see them in Court for the remainder lol


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I'm really interested in how you get on claiming more than 6 years worth as I have had my account about 15 years


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if you look in the statutes section there is a link to a web site

 

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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any news on this mechs?


If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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