Jump to content


  • Tweets

  • Posts

    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
  • 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

Well - I've started the action! Me vs Halifax!****WON****


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6158 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

The next thing you will get is the Acknowledgement telling you that they are going to defend all of the claim. Don't panic - this is normal. Start reading up on the next stage so you are always one step ahead.

 

Good luck

 

JW

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

Good luck Jazz. It looks like we're at same stage.

I'll be watching with interest to see how you get on.

 

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

Link to post
Share on other sites

Received notice of Issue this morning!

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Youre at exactly the same point as me mine was deemed served on the 19th and they have until the 4th of june to acknowledge

Link to post
Share on other sites

All prepared fro next stage - got AQ forms downloaded for rough copies (notes made all over them).

 

Printed off "Allocation Questionnaires - A guide to completion."

 

Printed off "Guide to the new AQ Strategy"

 

Prepared my supporting documents (3 copies of each):

 

Printed off 3 copies of 3 letters from online banking where they indicate the fee is "to cover our costs".

 

Copied (x3) the letter from the bank with the lists of charges they have applied in relation to my S.A.R. request!

 

Ready to roll halifax - come and get me!!!!!!!!!

Link to post
Share on other sites

  • 2 weeks later...

Had an interesting chat today with a Laura Beatty of Halifax Customer Relations.

 

She said they are currently working on 10th May but when they get to mine I WILL receive a refund of the charges, plus interest, plus court costs!

 

I was told to expect it some time next week!

 

We'll see........

Link to post
Share on other sites

Had an interesting chat today with a Laura Beatty of Halifax Customer Relations.

 

She said they are currently working on 10th May but when they get to mine I WILL receive a refund of the charges, plus interest, plus court costs!

 

I was told to expect it some time next week!

 

We'll see........

 

I had a chat with Laura today as well!! However she was not so nice to me - she said they had already offered me what they think I am owed and Halifax to not refund overdraft interest (this is the part of my claim they have not refunded). She said Halifax will defend this!

 

Funny how so many other people get their Halifax overdraft interest refunded!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

Link to post
Share on other sites

how much overdraft int do they owe you chop?

 

Well, they refunded all my charges and calculated their own approximate interest on the charges - of course this did not match my calculations!

 

They still owe me about £400, but that is made up of o/d interest and the 8% interest.

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

Link to post
Share on other sites

Can someone advise me so I'm sure? If the bank have not looked at the paperwork and thus filed a defence by the date the court says they have to respond does that mean I can push for Judgement on that date?

 

My case file is :

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Therefore can I push for judgement on 4th if they haven't acknowledged claim and stated they intend to defend to the court?

 

Notice of issue doesn't entirely make that clear!

 

Ta muchly!

Link to post
Share on other sites

did they threaten to defend the OD interest yes you said they did, dont understand them not paying the stat int they must if you,ve filed surely?

 

Well, to be honest I am not sure how they have worked it out. They made 2 payments to my account, 1 was the charges in full, the other was approximate interest they had calculated - they have not specified what interest it is. I need to phone Laura again really and find out what interest it is.

 

Either way you look at it the payment was 400 uid short of what I was claiming so I will continue with the claim.

 

Time will tell!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

Link to post
Share on other sites

Can someone advise me so I'm sure? If the bank have not looked at the paperwork and thus filed a defence by the date the court says they have to respond does that mean I can push for Judgement on that date?

 

My case file is :

 

Issued 14th May 2007

 

Sent 17th May 2007

 

Deemed as served 20th May 2007

 

Halifax has until 4th June 2007 to reply!

 

Therefore can I push for judgement on 4th if they haven't acknowledged claim and stated they intend to defend to the court?

 

Notice of issue doesn't entirely make that clear!

 

Ta muchly!

 

 

Hiya,

 

Phone the court on the 5th June and if they haven't acknoweldged your claim then yes you can file for judgement. The likelihood is they will acknowledge, this will give them a further 14 days to file a defence (total of 28 days from the served date). Then, if they don't file a defence in those 28 days on the 29th day you can file for judgement.

 

Hope this makes sense.

 

Good luck!

 

Chop

Will definitely donate on payout to help keep this site going - thanks for all the advice!

Link to post
Share on other sites

Hi Jazz

 

Halifax had until 6th June to reply and I have now received confirmation that they have acknowledged the claim. They now have until 20th June to do something else - like pay me my money, would be good!!!!!

 

Good luck, Debbie

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

Link to post
Share on other sites

  • 2 weeks later...

Hi Jazz

Haven't heard from you in a while. Just wondered if all going ok?

I'm still waiting to hear.......although there is a registered delivery letter waiting to be signed for by me at the Post Office!! Don't know if that's something to do with it all......

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

Link to post
Share on other sites

Hi Jazz

I know you can't read this yet, but that is FANTASTIC news......

 

and guess what???????!!!!

 

I won today too......the full amount deposited into my account this morning!!!

 

WELL DONE TO US, and hope your hol was brill!!!!!!!

 

See you when you're home.

 

Debbie :-)

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

Link to post
Share on other sites

Hi all.

 

I'm back!!

 

Well done deb - congratulations on your win too!

 

keep going all those that are losing hope - you will win in the end!

 

Jazz

 

P.S. Could the mods do the necessary please to show another win??

 

Ta!

Link to post
Share on other sites

Congratulations!!!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip 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...