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    • I agree, guys.   Here's an article about NHS test and trace rolling out saliva tests to local public health departments. It doesn't seem to have been thought through and I didn't notice anything in the article about some of the £12bn being passed on to local authorities to help them run this.   https://www.theguardian.com/world/2020/oct/28/10-of-englands-population-could-be-tested-for-covid-19-every-week   'Some local public health directors have dismissed the idea already. One said he would refuse to take part because the tests were “short on scientific backing” and his stretched staff lacked the capacity to deliver at such scale. Another said the lack of any proposed support to track people’s close contacts if they tested positive rendered it pointless.'
    • The legal letter was sent online and it is above  I will repost below Hermes Capitol House 1 Capitol Close Moriey LEEDS LS270WH Particulars 0f Claim xxxxxxx 27/10/2020 I sent a £200 extremely well packaged laptop with Hermes and took up the option of the extra cost to get the £200 compensation and insurance.   For the past 10 weeks i was told that my parcel had been lost but then 2 weeks ago I was told by a manager by the name of Junaid that my laptop had been disposed off without my prior knowledge, the parcel was disposed of as it was "damaged beyond repair" after 1 hours travel.   I was told by many customer service agents and a manager that I would receive a refund. I have an audio recording of the manager assuring me I would get my money back and then he (Junaid) Informed me that the head of the claims department had changed his mind as the laptop was damaged through no fault of my own.   I am claiming for £220 plus £25 legal costs. I also sent a letter of deadlock over 2 weeks ago and I did not receive a response despite the letter being signed for.   Details of claim  amount - £220.00 court fee £25.00 total £245.00
    • Can we see a copy of the so-called deadlock letter please. I understand that you at least kept a copy of that. also I suggest that you take a bit of time and start reading on this forum about the steps needed to take a small claim in the county court.   have you read through some of the hermès threads on this forum so that you understand the issues and the basis of your case and that you have started to formulate your arguments?    
    • I'm a bit puzzled that you didn't keep a copy of your claim form. it's very important that you keep a full set of documents – especially once you have entered the litigation process. You say that you registered on the moneyclaim website but you then sent your claim form by post. You didn't issue the claim online. that is very unusual. Why did you decide not to send it online?    I think it's important that you get a copy of your claim form and I think you should phone the courts and explain to them that you didn't keep her copy and that you need one and can you have one by email.    
    • Is the acknowledgment of service that they have 14 days?
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      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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PB19 v Halifax ***SETTLED IN FULL***


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I sent the DPA letter and received a pile of statements, these I have been through and extracted all the charges into a spreadsheet. The bit I'm not sure about though is calculating the interest on the charges for exceeding overdraft etc. I understand that I can charge 8% if I take them to court, but my question is how do I calculate the interest they've charged me on the charges they have applied illegally?

 

Any thoughts welcome...

 

Cheers

 

Pete

 

Okay, have printed out and sent request for refund letter, now sit back and wait till 14/06/06 and see what they say or dont say. Any one willing to suggest their response..........clean only please...

£3 billion last year alone, lets have some of that and teach em a lesson :D

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The second word will be 'OFF' :o

 

Don't worry though - don't accept any offers (unless you really feel that you have to) - just take them to the cleaners!

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

DONATE - Support this site, it supported you!

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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  • 2 weeks later...

Well I've had the standard response, sorry to hear blah blah blah....will get back to you shortly...

 

Should I give them time to respond formally (saying no I guess!) or should I send them the LBA immediately?

 

Thanks

 

Pete

£3 billion last year alone, lets have some of that and teach em a lesson :D

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Well I've had the standard response, sorry to hear blah blah blah....will get back to you shortly...

 

Should I give them time to respond formally (saying no I guess!) or should I send them the LBA immediately?

 

Thanks

 

Pete

Straight to LBA - no messing...! :p
  • Confused 1

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

DONATE - Support this site, it supported you!

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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OK LBA sent (13/06/06) so now I wait for a response (ha ha) then I issue the court summons yes?

 

I want to prepare the paperwork in advance, what is the easiest method I'm thinking Money claim, is that easiest?

 

Thanks

 

Pete

£3 billion last year alone, lets have some of that and teach em a lesson :D

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OK LBA sent (13/06/06) so now I wait for a response (ha ha) then I issue the court summons yes?

 

I want to prepare the paperwork in advance, what is the easiest method I'm thinking Money claim, is that easiest?

Hi Pete,

 

Sorry for the delay - been offline over the weekend (at least most of the time)! If no response to the LBA then it's moneyclaim time. If they haven't made an offer to you so far they may contact you and offer 10% of what you are looking for, and they might up it to 25% or so if you refuse. Your mission, should you choose to accept it, is to decide if you want the small sum they propose or if you want all of your money back. The recommended route at this point is to accept their offer as a partial settlement whilst you carry on and sue for the remaining amount. Try not to accept anything over the phone anyway, get them to write their offer to you so that you can see what strings they have attached. Don't worry if they withdraw the offer - you will still get the full amount in the end.

 

In the meantime, have another look through the FAQs, especially with respect to moneyclaim and court. Personally I took the Form N1 route as I wanted to attach the spreadsheet of charges and put more into the write-up than the on-line form allows - people have done it both ways and it works whichever way you choose. You'll also need the funds to pay for the claim. Make sure you have all of the costs incurred (Data Protection Act fee - if paid, 8% interest, daily rate of interest (in pence), postage costs, etc.). Don't be put off by the court stage - it probably won't come to it, but you should still be prepared! :)

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

DONATE - Support this site, it supported you!

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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A response well actually 2, but it's the same letter 2x ...."As a gesture of goodwill I have offered to refund £91 & £71. Please understand that we are not prepared to refund all of the charges that you have incurred on your account since your account was opened. I must stress that future valid charges will standand we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer in full and final settlement of your complaint..........envelope"

 

2 accounts, £1600 in charges and interest.... a combined offer of £162.00 to accept or not to accept, that is the question.....NOT!!!!!!!

 

Form N1 here we go!!! wish me luck

£3 billion last year alone, lets have some of that and teach em a lesson :D

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Right money claim filled in requesting £1800 in charges and interest, lets wait and see their response....

Don't expect much of a direct response - I filed about a week ago and haven't heard anything yet. On another thread someone who filed the same day as me has had their claim settled by HFX today, so each one is different. It's coming, got to be patient... :(.......:p

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

DONATE - Support this site, it supported you!

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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got the papers from the court today, the date for defence is 10/07......so once again wait.... patience patince patience......

 

What should I do about the threat in their letter to close my account?

£3 billion last year alone, lets have some of that and teach em a lesson :D

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got the papers from the court today, the date for defence is 10/07......so once again wait.... patience patince patience......

 

What should I do about the threat in their letter to close my account?

Get ready with a parachute account, or be really careful not to exceed your OD from now on. If you have a large OD, start to reduce it ASAP so that they don't have the excuse to cut it and force repayment.

 

I got one of my claims settled today, with the other one to be negotiated and paid next week. My wife has a new account elsewhere for when she starts her new job next month, and I got approved for a new account elsewhere today as well. :p

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

DONATE - Support this site, it supported you!

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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Yeah good advice dude! I have the paperwork ready to go now for a new acount. Feel really great about doing this and apprehensive of course. But it really does feel so empowering!!! David and Goliath etc...

£3 billion last year alone, lets have some of that and teach em a lesson :D

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received the acknowledgement of service today and guess what they're going to DEFEND the claim in full.... now lets see what to do but wait huh?

£3 billion last year alone, lets have some of that and teach em a lesson :D

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I got paid within a day of them acknowledging, so it shouldn't be far off now... :D

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

DONATE - Support this site, it supported you!

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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If you've had a letter from their claims department with a phone number on it, then it might be worth giving them a call, but they have 28 days from filing to defend as I understand it.

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

DONATE - Support this site, it supported you!

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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Nothing in the post yet, perhaps tomorrow eh? thanks for the support guys I'm looking forward to booking a nice holiday for the family on the strength of this.

 

Fingers crossed for a speedy result.

 

Pete

£3 billion last year alone, lets have some of that and teach em a lesson :D

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There's no logic to the way sequence that they pay out in. Sorry, but it's just a waiting game... :(

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

DONATE - Support this site, it supported you!

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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I've checked the status of my claim at moneyclaim online andit says it was acknowledged on 23/06/06 and then in the next column under "Judgement" theres a hyper link to start which takes me to a couple of options,

1 judgement in default

or

2 judgement by admission

 

I think that there's still some time left as the date of service was around 20/06/06 and I think they are allowed 28 days from the service date.

 

Q is this right or have I got completely confused?

 

Q based on my understanding (shaky) I think this takes us to Tuesday 18/07/06 or thereabouts, does this sound correct?

 

Q if they do pay up now can I still claim the interest or do we actually have to go to court?

 

I have become rather confused by this aspect so any clarification would be greatly welcomed.

 

Thanks

 

Pete:confused:

£3 billion last year alone, lets have some of that and teach em a lesson :D

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If date of service was 20th June, then the 28 days run out on 18th July.

 

Having Acknowledged, I would be extremely surprised if you don't see the money in your account within the next couple of days.

 

They should be paying the claim value, 8% interest, court costs and the daily rate of interest from the date of service until settlement. Make sure you get the lot!

..

.

 

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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I think that there's still some time left as the date of service was around 20/06/06 and I think they are allowed 28 days from the service date.

 

Q is this right or have I got completely confused? Yes

 

Q based on my understanding (shaky) I think this takes us to Tuesday 18/07/06 or thereabouts, does this sound correct? Yes

 

Q if they do pay up now can I still claim the interest or do we actually have to go to court? Now that you've claimed they are liable for interest

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UNBELIEVABLE RESULT literally just checked account and the money went in today!!! donation incoming.......OUTSTANDING!!!!

 

holiday for the family and then off to war with the rest of the bast**ds!!!!

 

 

Thank you I was getting very edgy there... i am grinning from ear to there:-D

 

:lol::lol::lol:

£3 billion last year alone, lets have some of that and teach em a lesson :D

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£150.00 donated and book bought, ready to commence battle again....keep it up guys.. and If I can help anybody get a result please feel free to holler.

 

Thankyou

Pete:lol:

£3 billion last year alone, lets have some of that and teach em a lesson :D

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