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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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OFFER MADE - but already sent LBA.. argh..


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My first post and shame on me for taking so long to do so...

 

I've been in touch with BOS re my statements (which i thought had all been included and sent..) and i got my letter sent off detailing all my charges and dates etc for both accounts with them

 

I got a reply re the charges, but also another few pages of statements I never had before. Can I re submit my letter asking for my now updated charges from the new statements??

 

The letter i received re my first letter asking for charges back seems like a standard response....

 

We are sorry to learn that you are unhappy with the charges debited to your bank account. Please note that the complaint handling rules set by our regulator, the FSA, gives us 8 weeks to investigate and respond to complaints...

 

blah blah.. if we are unable to respond fully to your concerns we will write within the next 4 weeks to update you...

 

more blah blah.. please find enclosed a copy of our leaflet which tells you how we will handle your complaint...

 

Yours Mathew Baxendale (Customer Relations Officer - Dunfermiline)

 

Is this them stalling for time? If I do respond with a new letter detailing my charges with all the new ones (including interest this time i think), will i just receive the same letter? And do I have to wait out the 8 weeks, or can i got right in with an LBA? One other thing.. Should i always be using the Customer Relations Dept in Dunfermline??

 

Thanks in advance...

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Hiya Brian,

 

Welcome to cag. :)

 

First of all, yes those letters were just standard, just ignore them.

 

Dont include the interest on your spread sheet just yet, that can only be added at the court stage.

 

You can keep on adding any more charges you recieve until you file at court.

 

The address to use is...

 

HALIFAX PLC

TRINITY ROAD

HALIFAX

WEST YORKSHIRE

HX1 2RG

 

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Hey folks,

 

Cheers for the reply, and reassuring me that i can amend and update my list of charges due to new statements being issued. New list and letter have been done. Just to send.

 

One thing i would like to clear up though... I sent my previous letters to the B.O.S Customer Relations place in Dunfermline. Will it be ok if i now change to sending them to the Halifax address you mention?? Does it matter that I stay in Glasgow? I;m thinking that i'd have to deal with an address north of the border... :confused:.

 

Cheers again for the help.

 

Brian

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I;ve just noticed that at the end of the letter I spoke about above...

 

Below the guys title Mathew Baxendale, Customer Relations Officer... Its got

 

Enc. Personal Customer Complaints - Here's what we'll do

 

What the hell does that mean.. It's in black and white.. should i go round there all guns blazing (metaphorically - in case the police are reading..) I'd love to know what it is they intend to do...

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  • 1 month later...

Hi Folks,

 

Well thanks to all the advice and info on this site I'm as far as being made an offer of £680 (made up ofcharges from two accounts).

 

I sent an LBA the day before receiving this letter, as it had taken them so long to get back to me re my initial claim for refund of charges.

 

In the letter Christina Hart (no relation to Jennifer and Johnathon Hart for those of you who may remember that...) states that the money will be debited to my account in 14 days if i don't get in touch to say otherwise. Suggesting i call her on the number provided ( on this.. why is it a Dunfermline Address to reply to but a west yorkshire phone number).

 

Just need clarification on what to os appropriate to do know.. Do i call this number and talk to her, where I can get twisted round to the 'Corporate' way the bank want me to think and get me embroiled in a conversation I don't want to have, or do i just write? Or do i call and write..

 

Will my LBA still stand and will they ignor the offer made prior or do i still have to clarify that i don't wish to accept the £680??

 

Anyway.. Here's hoping I get my 1400 quid ond not the offer made of 680 and i hope that the bank person employed to log onto this site to snoop about (if there is such a person - call me cynical..) sees this and nidges them in my favour..

 

Cheers & Thanks.

 

Johnathon Tarquin Hart (no relation to.. oh you get the idea..lol)..

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I would just send the rejection letter. See http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html and modify as appropriate saying the LBA has already been sent to them, maybe even enclosing a copy and saying when the 14 days is up.

 

Good Luck

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IANAL - Opinions offered are just my personal views and are not guaranteed to be correct. I have been known to be wrong (once or twice).

Claims in progress against:

Eldest - First Direct - Part Offer received - http://www.consumeractiongroup.co.uk/forum/first-direct/79619-eldest-fd.html

Eldest - Halifax - Cheque Received Full amount - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/66254-here-we-go-eldest.html

Youngest - Halifax x 3 - Request for refund sent - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/79617-youngest-halifax.html

Eldest - unnamed Mortgage Provider for Charges and incorrect maths.

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Hi Brian.

 

I advise you to stick to letters, keeping copies of all letters sent and received. Then if there is any dispute, you have it in black and white.

 

Send a letter of refusal........

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Just select the letter option that best matches your situation.

Don't worry about your LBA......an unsatisfactory response is NO response.

Stick to your own timetable, don't let them intimidate you into following theirs.

 

Good luck.

Regards, Rooster.

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Jeez.. you guys are good... a reply in the time it took me to make a cup of coffee..

 

I'll send rejection letter in mentioning LBA and let you know how i get on.

 

Cheers again. Help very appreciated.

 

:D

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Also respond to the offer as late as possible, when your time limit in your LBA is up

 

If they pay it into your account that is not an acceptance. Make sure when rejecting their offer you ask them to remove the paymenf unless they are prepared to consider it as part payment

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Do send the rejection letter but also call them. Halifax policy is to settle before it goes to court so they will negotiate.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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