Jump to content


  • Tweets

  • Posts

    • That sounds pretty good. My only concern is the bit about the cease and desist letter to Excel, please wait for the guys to comment on your letter. HB
    • No mention of Schedule 4 of POFA = Only the driver is liable, not the keeper. Simply don't tell them who the driver is, which means  don't appeal. From a quick search of the site, yours is the first case I can see with Carparksecurities we've seen here so it'd be excellent if you keep up to date and engage with this thread. General advice is to ignore everything until / unless you ever get a letter of claim.
    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
  • 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

halifax bank charges


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5996 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

hi there everyone this is all new to me , when my bank charged me for going over my overdraft limit i used to just except the fact that i had to pay these charges just like everyone else, i have recently had to give my job up due to being a single parent an money is tight as i have to rely on what the goverment says you can live on so this gets put into my bank account but gets eaten up with all the charges i keep getting from 12th march to 23rd march i have ended up with £230 bank charges i haven;t seen any money for weeks because of this an everyday when the post comes i dread opening the letters from halifax bank , can someone please advice me an if i could get my bank charges refunded i realy dont no where i stand. many thanx fancypantsjules:oops:

Link to post
Share on other sites

Hi and welcome.

 

Yes you can claim back your charges. Read some of the FAQ and step by step instructions first to get you started.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

Good Luck and just holler if you need help

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

Link to post
Share on other sites

Guest Niklowe

Welcome fancy,

 

You've come to the right place to get back your charges.

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy start a new thread in that section and away you go. There is lots of people to help you, but don't forget this is a very much a self help site

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

Good luck but you won't need it

 

 

If you found it helpful please click my scales (on the left).

Any advice offered is my own opinion and if you are unsure always seek further advice.

__________________

Nik

Link to post
Share on other sites

  • 2 weeks later...

Hi i dont no if ive done this new thread right or not ! I have had alot of bank charges over the past couple of months an as a single parent who has to rely on what the state say you have to live on , well my bank was taking all of it so i sent my first letter off on march 23 to Trinty house but then realised that i hadnt included the fee . so going to post the letter off again with a cheque this time . has anyone got any help they can offer me ,ive looked through the other threads an got some tips from them . :)

Link to post
Share on other sites

Hi Fancypantsjules

And welcome aboard.

There is a lot of information on this site so take your time and spend a couple of days reading as much as you can.

Here are a couple of links to get you started and I suggest you always keep them to hand.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

This might also be of interest so read it carefully:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

When you are comfortable start a thread "XXXX v Bank Name here" in the relevant bank forum as then people with specific experience of this bank can offer support and advice.

There is a lot of information to take in here so if unsure it is always best to Ask first.

If you need a quick answer to a question you could always try the chatroom as there are usually some very helpful people in there.

Very best of luck

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

[

Link to post
Share on other sites

Hello and welcome Fancy,

 

Take your time to read up as much as you can before making your claim. Everthing you need to reclaim your cash is here, just takes some time to get your head around. Have a look in your banks forum, read a few threads then start one yourself, there's always someone in the same boat as you willing to help you out. Read all the F.A.Q.s and Step-By-Step Instructions. It takes a while to take everthing in but if you follow the tried and tested methods on this site you will get your cash back. Don't be afraid to ask some questions as mistakes can be costly.

 

Best wishes with your claim.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Thanx guys i have just rung the bank an requested a complete run down of charges since i opened the account the lady on the phone was very helpful an even went to seek mor info from her manager she even said that it took three parts to claim the money back not sure if her manager would be pleased to hear her saying that bless her

Link to post
Share on other sites

Hi there, just found your thread from your post on sea-sidelady's thread. Now the letter you said you sent in post 1, was it your SAR? I know some of the halifax staff are really helpful but please always back yourself up by sending the correct letters recorded, that way you won't get your claim delayed. In post 2 above take time out to read the links especially the Right of Appropriation letter - it will be very helpful to you to stop the bank from taking your money that the state pay in. Just post on this thread if you need help.

Link to post
Share on other sites

Welcome to the site.

I am sending you a pm to help you to deal with the bank taking your money.

Try not to worry....you are on the way to turning the tables and getting your money back

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.

 

 

Link to post
Share on other sites

Hello everyone, I'm new and I am in the process of reclaiming my bank charges. Now there's the problem! Some are Overdraft Fees (usually coupled with) an Excess Overdraft Fee (£25 Overdraft fee plus £124 Excess Overdraft fee), even though each statement shows my overdraft limit is £1,000 I've not been anywhere near that limit. And what about Renewal Fee which they take every year in February - is this reclaimable?

Link to post
Share on other sites

hi thanx for all the help it was the sar i requested i have changed my bank to where my money is paid into but my halifax account is still open an charges still getting higher but at least i can actually spend some money on my daughter instead of the bank getting it it feels funny having money in my pocket cos i got used to having nothing x i will keep you all informed thanx again your all a big help xxxxxxxx:) :) :)

Link to post
Share on other sites

Good move in opening another account, you are now on your way to getting your charges back, don't forget you can keep adding all the charges up until you file court action.

Link to post
Share on other sites

  • 4 months later...

hi if you want to reclaim your bank charges i highly reconmend you do it throught the financial ombudsman just call them and log a complaint that you think your bank charges are unfair i have recently done this and got back £7482 in charges without all the hassle of court and there say is final so the bank cant back out and its only taken about 3 mths half the time of going through the courts hope you get it back

Link to post
Share on other sites

  • 4 months later...

hello... i have joined this forum tonight as a result of two separate charges of £62 for overspending by £9.98 one one occasion and £8.89 on another!

£124 charge for approx. £18 seems more than extravagant?

 

Also, can i include more than one account on a SAR letter?:mad:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...