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    • Hi BankFodder, Thanks for the reply.  I will take your advice and read through more thoroughly. To answer your question, the value of the laptop is £255.  When filling in the online form to prepare the shipment it asked what the contents of the parcel was and the value and I specified "laptop" and "£255". Thanks.
    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
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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.
      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.

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Gemini v Halifax


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Hi All

 

Having spent the last week reading FAQ's and threads, I am sending DPA letter to Halifax tomorrow. Knowing that I am not on my own has given me the incentive to go for it.

 

My biggest worry is whether or not they will close my account as we are wanting to get a mortgage, and unfortunately our credit rating is not so good!

Could I be making things worse or will it not have any effect?

 

Gemini

:?

GE Money DPA sent 18.05.06 - recd 24.05.06

Sainsburys Credit Card DPA sent 18.05.06 - Acknowledgement recd 20.05.06

Capital One sent 18.05.06 - Acknowledgement recd 26.05.06

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They might retaliate by closing the account, although this is unlikely to happen if you accept one of their miserly offers, and much more likely if you have to proceed to court -yet still not a definate outcome.

 

Taking this action will not have any impact on your credit files, but to ensure you have a smooth cross-over should they close your bank account, start sarching for a new one now. Even with a poor history (like me, I'm afraid!) you will still be able to open a BASIC bank account.

 

All the big boys offer them, many people have reported that NatWest's Step Account is a good one, I personally like the HSBC, but you'll find one that suits your needs. They don't come with cheque books and often some don't have a debit card, whilst others offer a Solo or Electron.

 

You should get one sorted though...

 

Welcome to the Halifax Freedom Fighters :)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 5 months later...

I have only just started to try and claim my charges bank with the Halifax as I must admit I have been worrie dabout them closing my account. However I made a start on the 24th October and sent them the request letter asking for them back. I am claiming back £1123.00 and I received an offer from them of £316.00 'as a gesture of goodwill'. The letter also contains a veiled threat that they reserve the right to close my account if I don't manage it correctly. Is this a standard letter?

 

Anyway, I have decided to carry on with this claim and have today done the Response to Settlement Offer letter, but how many days should I give them in which to respond?

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Not as far in my fight as you are, so probably way more people more qualified to answer, but from what I've read from the threads sounds like you have an absolutely bog-standard response from the bank.

And I think (please someone correct me if I'm giving the wrong information) you give them 14 days to respond to that then send the Letter Before Action, or if they've had 14 days from your Prelim, send the LBA now and then in 14 days it's court action time.

 

Please don't take this as gospel, it's only what I've gleaned so I have my own calendar for whenever I receive my statements

 

Have a look at the FAQs to double-check

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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  • 3 weeks later...

I have received another offer from the Halifax, this time for £699.00. The letter was postmarked Birmingham and from a Miss Claire McBride - Review Manager, Customer Relations. It gives a Birmingham telephone number to call if I am not happy with the offer or wish to discuss the matter further. Two questions - 1. Has anyone else dealt with Miss McBride and 2. Is it worth ringing her first to try and resolve this claim or is it best to go straight to MCOL.

 

Also, there is always the threat in all the letters of account closure. Does anyone know if this happens often?

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Again, from what I've read on here the account closure threat is standard but have yet to see one actually closed. Anyway, even if they did, they would have to give you 28 days' notice so you could sort out another (If I'm allowed to open another account, anyone can).

And if you've ever had real, proper help from the Halifax when you needed it, then Hell, go for the extra phone call to Miss McBride. Personally, from what I've seen on this site and what they've done for me over the years (practically nothing), they're not going to give you back your money out of the goodness of their heart, so MCOL is the only option.

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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