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    • It is already trespass, nothing further needed to make out trespass. Not sure where ‘interference with goods’ helps you / how you’d bring a claim for that that stops them parking there.
    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
    • Our business was only transacted digitally as I was not in England at that time.  
    • Funny. But not sure I should ! Wondering if I could place pots and plants - which a) would look nice and b) would it then be trespass and interference of goods?
    • probably this buy out everyone goes on about. well just make sure they do properly sanitise your credit file. dx  
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    • We have finally managed to obtain the transcript of this case.

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MacBoy Vs. Halifax and Hello To the Group!


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Update

Friday 24th August 2007

 

Receive all current account bank statements going back to 1987.

 

Before I congratulate you, is the distance back in time you wanted? If so - AT LONG LAST!!!!

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Update

Wednesday 29th August 2007

 

In my absence, receive a letter from the Information Commissioners Office informing me that my case has been passed onto their Regulatory Action Division for 'further consideration'

 

I had been wondering by this time whether the sudden and mysterious arrival of all my statements had been due to my Information Commissioners Office complaint, or my issuing court proceedings via an Application Notice (form N244) for a Pre Action Disclosure Hearing.

 

This seems to suggest that it is a combination of both, perhaps drizzled with a little cockiness, given the test case and OFT/FSA arrrangement, that they might not now have to cough up at all, so they may as well send the data? who knows?

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Hi Deedee

 

Good to see you again! I hope you're well. Yes, for the bank account statements this is the complete set.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Update

Wednesday 5th September 2007

Receive letter from Information Commissioners Office - case has now been passed to a Remedies Officer:

 

Dear Mr. Boy

 

Since Halifax Plc has still not provided you with a complete response to your subject access request the matter has been referred to the Information Commissioner's Regulatory Action Division.

 

As you are probably aware Halifax PLC is part of Halifax Bank Of Scotland (HBOS). I have today written to HBOS requiring them to provide the outstanding information or explain why this cannot be done.

 

I have asked HBOS to respond to my letter within 14 days.

 

You should be aware that Halifax may not have retained information that is over six years old as they are probably not obliged to do so (my emphasis).

 

I shall be in touch when I hear from HBS

 

Yours etc.

(named officer)

 

Why are they pre-judging the law here? I know they are the regulators but surely it isn't their job to speculate on the law? Anyway in my case it's it's irrelevant as they appear have coughed up everything.

 

Although I now appear to have all my current account data, at this stage I am still missing a large swathe of my Credit Card information.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Update

Monday 10th September 2007

 

Receive a package from Halifax containing virtually all my credit card statements, barring approximately 3 months from account opening (August 1992). Am still going through them to check.

 

 

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Update

Tuesday 11th September 2007

 

Receive a telephone call from the Halifax. Very pleasant and informative gentleman asking if I had received everything. I told him that I was still in the process of checking. He gave me a direct telephone number and told me I could call him anytime with any questions; and to report to him immediately should I be missing any information.

 

Gobsmacked, frankly. :eek:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

Now I am coming to terms with the fact that I have, through sheer persistence, cheek and bloody-mindedness (not to mention the support of everyone following my story on here), succeeded in getting past Ms. SixYears Thatisall, I'm wondering what I need to do with my Pre-Action Disclosure hearing, which is still scheduled for 23rd October

  • Do I cancel it?
  • Can I cancel it
  • Is there any way that I can still proceed with it in order to recover my costs?

Informed advice welcomed. Thanks once again to everyone for your help and support so far - and a particularly large thank-you to Kenny for keeping my chin up through all this so far!

 

NEXT JOB - add all this stuff up and stick in a claim!

 

Mac :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

You're most welcome DK - thanks for your support!

 

Mac :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Thanks Money :D Nice to hear from you too - hope all is well!

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Patrickq1

from what i can gather halifax has the biggest data base more than most banks put together so i am sure they will have all the information you need
They may indeed - but it's taken six months of stress and pain on my part; with a huge dollop of misleading information, obfuscation and downright dishonesty on their part, to get it out of them.
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Now I am coming to terms with the fact that I have, through sheer persistence, cheek and bloody-mindedness (not to mention the support of everyone following my story on here), succeeded in getting past Ms. SixYears Thatisall, I'm wondering what I need to do with my Pre-Action Disclosure hearing, which is still scheduled for 23rd October

· Do I cancel it?

· Can I cancel it

· Is there any way that I can still proceed with it in order to recover my costs?

Informed advice welcomed. Thanks once again to everyone for your help and support so far - and a particularly large thank-you to Kenny for keeping my chin up through all this so far!

 

NEXT JOB - add all this stuff up and stick in a claim!

 

Mac

 

Hi MacBoy

 

CONGRATULATIONS!!!

 

I would be inclined to not discontinue the hearing until you have indeed verified that you have all the information requested, and until you receive the missing three months of your credit card statements. Not sure what the procedure is for discontinuance but will read up when I get home.

 

Amazing what the fear of disclosure can do to an organisation!

 

I have just sent a Letter Before Action to Citi Cards, as they have failed to comply with my DSAR in full. Hmmmm…………..

 

I’m pleased you're back now and so is Dusary. Los Tres Amigos are reunited and everything is right again in the world :p:D

  • Haha 1

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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Thanks deedee!

 

Wonderful to see you back again too - the honorary, er, 'Quatro'th' Amiga... ;)

 

Good luck with Citi - I would also back that up with an immediate complaint to the Information Commissioners Office should you not get a satisfactory response.

 

I feel the team is back in the house! :D:D:D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Hi MacBoy

 

Glad to see your getting into the swing of things again and hope everything goes well for you.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Thanks very much Overflow... happy to see things are progressing in the right direction for you too ;):D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

well done macboy! they dont make it easy do they?! It took me 6mths to get all my data off halifax (back to 1988) it was unbelievably hard work. In the end I got it from the branch where I opened the account - can you believe it?! In the form of an investors report, so it takes some wading through. Haven't yet filed a claim tho' - have been seriously put off by the test case situation... Not sure whether to go for it! Will be watching your thread closely - all the best x

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Given that Macs thread will be read by lots of folk, am posting this info for Scots and for others to pass on:

 

Small claim limit to increase from Jan 2008 in Sherrif Courts from £750 to

£3,000.

 

Summary cause claims rise from £3,000 to £5,000.

 

http://www.consumeractiongroup.co.uk/forum/bank-charges-media/113913-scottish-small-claims-limits.html

 

Apologies for highjack!!

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Welcome back Mac, Good to see that at long last you are starting to get somewhere with this, will be keeping an eye on your progress. I hace been outnumbered and " got at" from all sides the last couple of weeks, so you may take some of this away from me. LOL.

 

you will soon be going platinum as you deserve.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Thanks very much Stoned :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Would just like to say well done,Iam having some problems myself regarding old accounts but it's with Clydesdale Bank.

I received some statements dating back to 2001 6 different accounts i have been receiving duplicated copies of the same accounts and nothing from others, wrote and complained to Information commisioner and guess what they sent the same info again so far I have received

4 x 123 account

3 x 234 account

3 x 345 account

2 x 456 account

it's ridiculous.

If you don't mind can I borrow bits of some of your letters.

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mrsc

 

Fill your boots. And good luck - give me a shout if you get stuck. If you don't get what you want - write again to the Information Commissioners Office.

 

The duplicates are extremely frustrating I know, but once they realise that you're not going away and have the Information Commissioners Office on your side and/or a Court action to force disclosure (as with myself), you should find that you start getting meaningful data.

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

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