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    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
  • 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
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Dusary v Bank of Scotland


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Ooooh - how how frustrating!! :mad:

 

At least they have promised to send you the last 24 years worth of statements. How naughty was she trying to be-****e you like that. It just goes to show that if you don't know your rights, you can be fobbed off by anyone.

 

LOL! She had to go to her line manager for clarification. Under SAR, you can request a record of that call too. :D

 

Let's see how the rest of the week pans out.......................

 

 

deedee xx

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My threads

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

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Who tipped me scales just now?

 

cool0010.gif

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!

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Wish the Banks would confess as quickly as you did!

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!

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Have just had a similar experience myself. I think they are deliberately not informing their staff in dealing with the less 'straightforward' cases because of the likelihood of bigger payouts.

 

I'm afraid we're all going to have to go at them a bit harder.

 

Chin up - we'll get 'em in the end, my friend :D

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  • 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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Well, in the words of Scotty

 

"Its life Jim, but not as we know it""

 

This is frustrating. However, they have promised the 24 years of statements. At least your well past the "we are only obliged to keep statements for 6 years and thats all your getting". You are right to stick to this approach. We are still beside you. Can't wait till it is resolved.

 

If you can be bothered, you might consider calling them every couple of days. Thats one for you. It might start to click with them that you are not going away.

 

You should be able to check that they have ordered the statements as this will be on your account details. If you phone the normal 24hr banking helpline (call centre) 08457 23 30 40, in the next day or two, they should be able to check it on screen, once they receive the instructions from the person you were speaking to. That way, it would let you know the position.

 

Chin up, it will happen!!:)

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Well, in the words of Scotty

 

"Its life Jim, but not as we know it""

 

This is frustrating. However, they have promised the 24 years of statements. At least your well past the "we are only obliged to keep statements for 6 years and thats all your getting". You are right to stick to this approach. We are still beside you. Can't wait till it is resolved.

 

 

Yeah! THAT stage is WELL passed!

 

If you can be bothered, you might consider calling them every couple of days. Thats one for you. It might start to click with them that you are not going away.

 

IF I can be bothered?

 

Every couple of days?

 

EVERY DAY!

 

You should be able to check that they have ordered the statements as this will be on your account details. If you phone the normal 24hr banking helpline (call centre) 08457 23 30 40, in the next day or two, they should be able to check it on screen, once they receive the instructions from the person you were speaking to. That way, it would let you know the position.

 

I may just do that!

 

Aren't we great at helping each other?

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!

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She spoke to a line-manager, came back and said I would receive the full statements going back to 1983.

 

How did you manage to do that, Dusary? I've tried that 3 times today but got nowhere...have just spoken to them again, escalated to a manager (name given was 'Tim Hales'); who is 'looking into' getting my earlier statements after I explained the law to him.

  • 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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How did you manage to do that, Dusary? I've tried that 3 times today but got nowhere...have just spoken to them again, escalated to a manager (name given was 'Tim Hales'); who is 'looking into' getting my earlier statements after I explained the law to him.

 

OK.

 

Had another screen open at same time with this on it:

 

Section 32 of the Limitations Act 1980 states:

 

32.--

· (1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either-

· (a) the action is based upon the fraud of the defendant; or

· (b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or

· © the action is for relief from the consequences of a mistake;

· the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. ....

· (2) For the purposes of subsection (1) above, deliberate commission of a breach of duty in circumstances in which it is unlikely to be discovered for some time amounts to deliberate concealment of the facts involved in that breach of duty. . . .

(5) Sections 14A and 14B of this Act shall not apply to any action to which subsection (1)(b) above applies (and accordingly the period of limitation referred to in that sub-section, in any case to which either of those sections would otherwise apply, is the period applicable under section 2 of this Act).

 

I just read over the bit in red above (we can use scripts as well!!!), and added that I didn't know until the Whistleblower programme. Was a bit naughty and added that the Limitations Act empowers me with 6 years from when I realised that the "fraud" had taken place.

 

She was obviously out of her depth!!

 

Give it a go, Macboy!

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!

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Yes MacBoy

 

Dusary has done well to get this far. Lots of other posters are currently being fobbed off and being told they only keep statements for 6 years. That happens every time someone calls the 24 hour banking service. The people working there are being used as a first line of defence by HBOS.

 

As I am still waiting for mine, I am now adopting Dusary and MacBoy approach for my statements.

 

Their approach is definitely to stall at every turn. Only give in after a lot of pushing.

 

Their objective is to push people to court action hoping they will fall by wayside and save them paying out. Of course, we know they will settle at the last hurdle, before court action. It only seems to be luck if things are settled sooner- no rhyme nor reason to their approach so it must be bean counter mentality allied to their settlement procedures/ stages.

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Like I just said to Dusary in response to a message from him on my thread - it's a war of attrition out there ;)

 

i'm going to follow Dusary's example and try another couple of times - but if the fob-off continues for longer than that - I'll file.

  • 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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fighting0010.giffighting0012.gif

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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!

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Hiya Kenny.

 

Yup - I was just about to post here again saying:

 

"I feel empowered once more."

jumping0045.gif

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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!

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Yes, its a nice feeling.

 

Read on another post how the CAGger used to hate the postman arriving when the letters came in from the bank and how the friendship and knowledge and expertise here on CAG now meant that she was actively waiting for the post and greeting the postman in anticipation of getting a letter from the bank about her claim.

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UPDATE:

 

Called customer relations this morning (as agreed with Macboy and Kennythecelt).

 

Conversation:

 

Me: "I haven't received anything from you today."

..... outlined the 2 accounts and went through the security drill ....

She: "Oh! Well it has been escalated!"

 

Me: "I understood that there were, in fact, at least 2 other accounts."

She: "I can only find 3 loan accounts."

 

......... She then proceeded to give me the reference numbers for them!

 

YIPPEE!

 

It's what I asked for away back in March

when the S.A.R - (Subject Access Request) request was sent out!

 

Me: "But I'm referring to accounts which were known as "Budgetplus and House accounts."

She: "Oh! You mean these ones"

...... then she gave me the roll numbers for those!!

 

YIPPEE!

It's what I asked for away back in March

when the SAR request was sent out!

Me: "I asked for these under the SAR way back in March."

She: "Crikey! That's a long time ago."

Me: "More than the 40 days!"

She: "Yes."

Me: "Well I haven't received them, yet."

 

She: "We only keep statements going back 6 years."

 

B****Y LIAR!

 

fighting0073.gif

 

(I kept my cool)

 

Me: "Sorry, but you have already supplied me with statements for 1 account going back to 1996."

She: "Let me check. Hold the line please."

 

She: "Yes, we did."

Me: "If you have destroyed them, then I require written confirmation that they have been destroyed."

She: "I will arrange for that. But I think we only keep them for 6 years."

Me: (naughtily) "If you are referring to Section 32 of The Limitations Act 1980, you will see that that refers, in fact, to allowing me a period of 6 years after uncovering/discovering the concealment."

She: "I'll make a note of that. Is that OK?"

 

She obviously thought that that was the end of the conversation - but it wasn't! Oh! No!"

 

Me: "How are the Senior Review Team getting on with my 'No, I am not happy with your response' letter and my persistent (and respectful) request for repayment of charges on my number 2 a/c?"

She: (after the read through my file) "It would appear that they are still dealing with it."

Me: "When was it passed to them?"

She: "June 12th."

Me: "That was 14 days ago."

She: ""I'll make a note that you asked."

 

Me: "Thank you for your time and help."

 

And, I'll quite happily keep doing this, day after day after day.

Now off to update the Information Commissioner!

Yesterday, I felt quite nervous about making that first phone call.

 

Not today - definitely not today!

 

I have them in my sights!

fighting0028.gif

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!

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Nice....:D

 

So thing should start moving now!

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Nice....:D

 

So thing should start moving now!

 

 

I damn well hope so!

 

Can't wait to start making a heap of donations to CAG! winking0047.gif

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!

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The "we only keep statements for 6 years" lie is really annoying me. They rhyme it off like parrots.

 

Yup!

 

Let's see what the Information Commissioners Office make of it after lunch!

 

You rung them today, Kenny?

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!

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Fantastic work Dursary!!

 

I shall be keeping track of how things go for you. Good luck!! Not that you need it with that evidence!!

littlejam
vs
Halifax

16/04/2007
Decide to claim. S.A.R not required as all my bank statements kept on file at home. Decide to claim for all unlawful charges since August 1997. Totals £3095.

17/04/2007
Parachute account opened with Barclays
18/04/2007
PRELIM letter sent by recorded delivery.

19/04/2007
Royal Mail confirms delivery
24/04/2007
Halifax replies with standard letter (dated 21/04/07) saying they have 8 weeks to reply.

25/04/2007
Stage 2 LBA letter sent by recorded delivery giving them 14 days to comply.
15/05/2007
Initial reply from Halifax saying they will reply no later than 18th June 2007.

11/06/2007
Standard letter received from Halifax disagreeing with my argument against charges.

25/06/2007 Filed small claim for charges at Lambeth County Court - awaiting return of N1 form.
:rolleyes:

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Good, diligent work Dusary...but bl*ody frustrating for all of us; due to all the disjointed conversations with different people you need to have and HFX spoiling tactics :rolleyes:

 

Am just about to update my thread too - even more shenanagins and confusion on my side too, today, 'm'fraid :rolleyes:

  • 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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Can't wait to start making a heap of donations to CAG! winking0047.gif

 

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