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    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Khalid302 v Halifax **WON**


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Hi Khalid

Im currently reading everybodys progress as I sent my data protection requesting charges on 18th, youve not had it easy have you? Looks like yours should all be resolved soon though. It really is inspiring to read your story and just plotting your ups and downs will help so many others.

 

A big thank you for your honesty and feeling in this thread, hopefully a case of champers for you on friday!

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Thansk ohohoh, Good luck with your claim, not that you will need it. Still no money in my account. Sent email to Rachel today, just highlighting our conversation yesterday and stating that if the money is not in my account by Thursday 4pm I will be taking further action. HAs anyone actually sent Bailiffs to the Halifax yet?!:|:shock:

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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I'm sure it has been done at least once.

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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Recieved a call from Rachel today stating that she still had not recieved word from some department regarding the interest, however she could confirm that the money will be in my account tommorrow. I asked her to put this in writing either by email or post and she said that she would do this afternoon. She has not done. I do not trust this person, I believe that Halifax is stalling. Cant seem to understand why.

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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Nothing in my account.

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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I would keep checking through the day.

These payments can land at any time as they are not done in the usual way.

Their deadline is today and they know you are not giving up.

Problem here is its a bank holiday so after tomorrow then nothing happening till Tuesday.

I would maybe give them till 4 pm and if nothing by then,send the baliffs in

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Checked at five to four and no money was in the account. Recieved call at exactly four pm from Halifax stating that money was in my account. Checked and lo behold it was. Now I know what a great feeling it is. Captial One and Littlewoods here I come.

 

thank you for everyone's support and guidance, especially Mr Martin! You rock dude. I'm extremely Happy.

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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Thank you, However with the survey in my case I applied for judgement, bank did not acknowledge! What number shall I put in. Haha

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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Great news..........but dead on four ?????

 

Looks like someone was reading the threads.......but at least it did the job.

The reason I said 4 is because it would have still given you time to organise something before end of day.

 

 

I am absolutely made up for you I been working in Wales all day and only back very late..........but was wonderin what had happened with your case.

 

If this is not a great example to anyone who has doubts about claiming and persevering........then I dont know what is !!

 

:D :D :D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I want the mexican wave of little peopeple when I receive payment please .........should be any day now !!!!!!!!!

Data Protection Act Disclosure letter sent 11th May 2006

Request for repayment of charges letter sent 3rd June 2006

Letter before action letter sent 30th June 2006

MCOL started 20th July 2006

MCOL deemed served 25th July 2006

MCOL deadline for reply from Halifax 8th August 2006

Notice of Judgement against Halifax 15th August 2006

****SETTLED IN FULL***** 31st August 2006 ****

 

Request for repayment of charges letter sent 1st Nov 2006

Charge was £39 for unpaid direct debit which would have made me £1.20 over my overdraft limit!!!!

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Inspirational, Khalid!

 

Well done and congrats,

 

Crash

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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excellent news

 

congratulations, a thoroughly inspiring thread.

 

Enjoy the money :)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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kHALID,well done enjoy the money!!

:pAmanda :p

 

CURRENT ACCOUNT HALIFAX

Data Protection Act sent 21.6.06

Prelim sent 26.6.06 by post and e-mail

offer rejected as full payment £315.00 3.7.06. Willing to accept as Partial .

LBA sent 10.7.06 by post and e-mail

offer rejected as Full payment £946.00 19.7.06. Willing to accept as Partial.

Online Money Claim filed 24.7.06 £3,011 inc int and fee

Issued 25.7.06 (not acknowledged yet)

:!:

Judgement requested 15.8.06, Halicrap Acknowledged 15.8.06!!!! What is going on with them!!!

:mad:

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Great news..........but on four ?????

 

Looks like someone was reading the threads.......but at least it did the job.

The reason I said 4 is because it would have still given you time to organise something before end of day.

 

 

I am absolutely made up for you I been working in Wales all day and only back very late..........but was wonderin what had happened with your case.

 

If this is not a great example to anyone who has doubts about claiming and persevering........then I dont know what is !!

 

 

:D :D :D

 

Sorry for not replying sooner, been busy decorating, they are back tommorrow. Loads to do.

It does appear so, however I did say the same to her. If some one is reading then great, because it shows that a number of things, 1) We are not alone (can be very daunting taking on a huge company like that 2) We have many people to get advise from 3) They wont be able to fobb us off.

 

I certainly did have to do it the hard way thats for sure, Now Im going after littlewoods and Captial one. Trouble is I owe money to both of them, am sure their are defaults on my name to so its going to be tricky. Funny enough I have recieved calls from both of them and I stated to both that I was going through the process of reclaiming my charges and as soon as I have recieved my statements I will total up the money owed and pay it all off, then get my default notice removed. Going to be a wonderful few weeks.

 

THanks for all the good wishes people. Enjoy your monies when they are returned!

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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  • 9 months later...

I just realised I was on 99 posts! So here is the hundred, havent been here for a while. Hope every one has been having a lot of success.

  • Haha 1

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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  • 11 years later...

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

Current Account Halifax

25th May sent Data Protection Act recieved 19th June

20th June Request Charges Letter Sent

29th June £170 offered..

4th July LBA sent

16th July £507 offered

25th July MCOL claimed

30th July Deemed Served

15th August Applied for Judgement

24th August Paid out in full

 

 

Read, ReAD READ!!! Its THE Only Way 2Win!!!

Make a 5% donation to the site, Help them to Help You.

Any advice that I may give is only through experience of my own claim.

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Thread Locked

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Please

Start your own new thread

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

 

Thanks

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