Jump to content


  • Tweets

  • Posts

    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

MacBoy Vs. Halifax and Hello To the Group!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5645 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Thanks Jody

 

If you decide to go down the N244 route to obtain Pre-Action Disclosure, feel free to drop me a line should you need any help. Additionally, do not hesitate to get the Information Commissioners Office involved as soon as the 40-day period is up.

 

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

  • Replies 895
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Mac (i hope this means you use them....seeing as I have five of the blighters - along with the requisite iphone, ipod etal!!)

 

Just playing the waiting game at the moment - Howard's solicitors contacted my mate about a shortfall debt - that he was totoally unaware of - proceeded to send non-relevant information in support of their claim over an 8 month period and when he approached howard for clarification court proceedings were issued....with no paperwork attached to the court claim...and absolutely nothing since.

 

Like you numerous requests were made but obviously not in the correct format as we'd not found this ace site(!), but when the court papers came I decided it was time to get tough - fine if they can prove he owes the money he'll pay it - he's never disputed that - but as things stand he can't work out what he owes and doesn't owe...not least because although they say the debt relates to a mortgage (and thereby they have 12 years to chase it) they haven't provided a copy of the deed and deeds prior to 1993 (1988/9) in this case tend to convert shortfall debt to a contract debt so that it is statute barred!! Despite disclosure requests under CPR18 they still won't supply any paperwork so its hi ho and off to court we go....specifically I would like to know how a mortgage that was paid for years managed to pay off £3K less than the "interest" added - unless of course its not "interest" as we know it, but penalities!!

 

Ah well - we'll get there in the end - and will certainly bear your kind offer in mind because I am so riled up by the actions that I want to see everything they hold on him...and where once the idea of court would have frightened the bejesus out of me all I want to do now is get to the bottom of it, work out what is owed (if anything) and move on - they brought the action - so they will have to substantiate it - and if in the process we can get details of the charges (albeit in relation to mortgages) that the banks have shamelessly charged then so be it....something I think they may be reluctant to do - particularly if it can be proven that the repossession was as a direct result of their illegal charges.....now there's a test case and a half!!!

 

Regards,

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

Link to post
Share on other sites

Hi Mac (i hope this means you use them....seeing as I have five of the blighters - along with the requisite iphone, ipod etal!!)

 

Oh yes... oh yes indeed fully Mac-ed and iPod-ed up (although no iPhone yet) - have been using them since the early 90s... ;)

 

Keep going with the pressure on the HFX - they will crack in the end.

 

The Information Commissioners Office will probably prove key in this. Keep focused on the fact that you have made a Subject Access Request and that they have signally failed to provide your friend with all the data they hold about him.

 

They will have thereby acted unlawfully if they have not furnished your friend with the information he requires to query their claim by the time the required 40-day period has expired.

  • 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

Oh yes... oh yes indeed fully Mac-ed and iPod-ed up (although no iPhone yet) - have been using them since the early 90s... ;)

.

 

hehe - maybe a mac appreciation thread is in order - my mate's been using them since the late 80's when the memory size was 64kb!!! - I've only been subjected to them since the 2004, but I definitely wouldn't go back - she says looking lovingly at her MacBook Pro!!

 

With your permission I will nick some of your letter once the 40 days are up as I'm sure they won't supply the data....my only "fear" is that they don't provide the information before the case goes to trial - but then again if they don't "prove it' they surely can't "win"....she says with hope!!

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

Link to post
Share on other sites

Nick away Jody - that's what it's there for ;)

 

I'm not a legal expert, but it seems to me that your friend should have a reasonable expectation of disclosure of the other side's case before it goes to court. Speak to CAB or give the Court Office a ring - they won't be able to give you direct case-relevant advice, but they should give you an idea of where you stand or what your options are.

 

You may be able to apply to have the case struck out or at least adjourned pending sight of the other side's evidence. I can't see any County Court letting this case go ahead with such a lack of disclosure.

 

And in the meantime, as I said (at the risk of sounding like a broken record), keep up the pressure on the Information Commissioners Office.

 

And yes - a Mac Appreciation Soc. would be a great idea :lol:

  • 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 Mac,

 

Disclosure...hahahaha...its a bit of a joke - the number of threads I have read on here where the banks have not included any supporting documentary evidence to their claims...I believe that the vast majority are filed on the basis that most will settle before it gets to court and in most cases when the banks file their AQ's they state they want the months stay to allow the claim to be settled before it goes to court...and yet they fail to supply any paperwork in support of their claim. In my opinion its an abuse of process, but I doubt the courts will see it that way.

 

When I file his AQ I'm going to ask for the case to be struck out unless they file the paperwork, but one similar case that is currently on going that I know of they have still not supplied any documentary evidence....how they can expect people be pay £25k because they say so is beyond me....and hopefully a judge will be of the same opinion...

 

Thanks for the support...will let you know how it goes...

 

Jody

  • Haha 1

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

Link to post
Share on other sites

Thanks tilly - I suppose i should give you the other thread rather than pinching mac's thread...

 

My mates thread is here...

http://www.consumeractiongroup.co.uk/forum/general-debt/123416-another-county-court-summons.html

 

And there is another similar thread here...

http://www.consumeractiongroup.co.uk/forum/general-debt/121046-county-court-summons-mortgage.html

 

Both are with Howard and are for shortfall debts going back at least 8 if not 12 years..... So much for the banks signing up to the CML's agreement not to pursue debts older than 6 years old....

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

Link to post
Share on other sites

how,s it going then mac :) i recieved my notice of issue this morning :D

 

Fine Tils :D

 

I received standard fob-off letters for both Current and Credit Card accounts this morning and am just dating up and printing the LBAs I had prepared for them before Xmas. They will be going out on Monday.

 

Just for clarity - is it OK to use the same basic LBA format for CCs as for Bank accounts? I've not seen a dedicated CC version anywhere on the site.

  • 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

mac,

 

As far as I can tell you can use the same letter as its a standard letter...

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

Link to post
Share on other sites

Cheers Jody. Yes - I've just looked through it and nothing looks untoward. It'll be winging its way to Howard and Chums on Monday :D

 

HFX_comps.jpg

  • 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

Thanks Tils

 

It's basically the same letter, but without the Ts & Cs and the threat to report them to the OFT under the 'fit and proper person' rules. Have amended to suit.

  • 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

Hmmmm... not so sure about that on either claim, Tils - both well over six years AND contractual interest? I doubt they'll roll over that easily! :lol:

  • 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

Milestone Diary Entry 11

7th January 2008

 

LBAs for Credit Card and Current Accounts submitted and posted Special Delivery this morning.

  • 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

indeed, Tils ;)

  • 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

Hey Mac,

 

Quick question - do you know the meaning of different codes on Howard's mortgage statements??

 

Looking for the definition of "prtb" and "rep" in respect of a part repayment and final repayment respectively.

 

Any ideas??

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

Link to post
Share on other sites

Hi Jody

 

I haven't had the dubious 'pleasure' of Howard owning my house at any time I'm pleased to say;), so if they're specific terms to Halifax then I can't help.

 

However, I have heard the term PRTB used for 'preserved right to buy' when talking about ex-Local Authority property? 'Rep' also sounds like 'repayment', which I guess could have meaning both in terms of making an actual repayment to the lender or to refer to the type of mortgage.

 

Not sure if that helps, but maybe someone that knows HFX mortgage statements better than I could clarify for you (might even be worth a call into your branch to ask).

 

Good luck!

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!

Link to post
Share on other sites

Hi Mac, Just popping in to catch up with your progress, I see it is all moving along. I am now seriously preparing for my hearing on 29th. Having been "lucky" enough to have been closely involved with one last week at least I now know what to expect. Keep on truckin` Stone

  • Haha 1

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

[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

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...