Jump to content


  • Tweets

  • Posts

    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
  • Recommended Topics

  • 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
  • Recommended Topics

Cmdenny vs Halifax Credit card. Settlement Accepted.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6579 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

Hi,

 

I have read on many threads about letters to get fees back from Halifax (and other a/c). Can anyone please provide me with a template letter - (I have tried to find on on the forum or on the "resources" section of website).

 

I hope to appeal against my 2 current accounts and credit cards, unfortunately the fines could number a couple of hundred for each a/c (got into trouble whilst at uni).

 

Your advise and help is really appreciated.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

Hi - I tried to type DPA into FAQS and got nowhere.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

Have a look in the librairy,all template letters are in there.

 

Have a good look and read around the site,most information is available.

  • Confused 1

DPA Letter sent 28 Feb

  • Statements Received 24 Mar
  • Prelim sent 24 Mar
  • LBA sent 12 Apr
  • MCOL 26 Apr
  • Acknowledged 3 May
  • Coming soon:

£2810 inc int. Halifax. Done and Dusted 16/05/06

Dont forget to donate

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?s=&daysprune=&f=33

this link should take you to the templates section (I hope!)

Good luck!

Halifax acc 1: 1st request letter sent 20/4/2006

LBA sent 27/04/2006

1st action filed Kirkcaldy Sherriff court 03/05/06

 

Halifax acc2 (closed): 1st request sent 03/05/06

LBA sent 11/05/06

Capital 1: 1st request sent 11/05/06

Link to post
Share on other sites

remember to log-into the forum before searching as a few threads/sections will just appear blank if you don't log in :)

16/04/06 Been thinking about action for a couple of weeks & decided to take the plunge! DPA request Sent Via email

18/04/06 DPA request handed into local branch, fee paid £5 - Reciept obtained

20/04/06 After emailing/faxing 3 times a day, phone call to say the statements have been ordered

26/04/06 Letter received with list of charges and refund of £5

27/04/06 Statements for 1st account received Parachute Deployed

29/04/06 Statements for 2nd account Received, Request for repayment sent £1446.55

04/05/06 Standard reply with complaints leaflet received.

08/05/06 Conditional offer received

 

View my progress

Link to post
Share on other sites

Sent DPA Request to Halifax, Lloyds and Hsbc yesterday: 4th May.

 

Lets see how much progress I make. I will also be filling against Egg and Barclaycard in the next week.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

I sent a DPA earlier this month.

 

Hadnt got fined by Halifax for a while (mainly in student daysand imediate aftermath) as I have been trying to be good with my finances.

 

This month however I got fined £39 for a cheque to my barclaycard bouncing! Im going to write a letter to my local branch and hope to get a refund that way- and if that doesnt solicit correct reply I will no doubt have to add it on to any reply I get from the DPA.

 

This £39 fine has really fired me up, and when I go though with the claims process will make me less likely to bow out early!:mad:

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

Friday 12th I got a letter from Halifax Card Services, Pitreavie Busn. Park Dunfermeline. I repeat in full (typed not scanned):

 

"10th May

Dear Mr Denny,

Our Reference : *******

 

Thank you for your recent enquiry about the late payment chareges on your account and I am sorry you have found cause for complaint.

 

We have received the details of the OFT findings and are studying those findsings closely, assesing the impact this has on all of our customers.

 

There is no change to our current fee refund policy and we do not expect to make any announcements before the 31st May.

 

Although this may not be the response for which you had hoped, I trust my response clairifies our position. please refer to the Complaints Leaflet previously sent, which details your choices and confirms our affiliaton to the Financial Ombudsman Service. If I do not hear from you within eight weeks I will cloce my file

 

Yours Sincerely

 

Gemma McConnachie"

 

 

What shall I do? I anticipate responding and saying they still have 40 days - she has totally ignored my appeal for the statements under the DPA.

 

The first letter that I sent was the standard template from the files, though i did not include a cheque for ten punds - editing it to say they could debit that from my A/c. With my reply I will put in the cheque.

 

Should I reply to the same Lady, or should I address it to "whom it may concern" - if it goes to one person potentially could they worm out of the 40day time frame by arguing that the person wasnt around

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

Today I called Gemma M, the lady from the letter - she blurted out, "we will get the statement sent to you and also a settlement offer" - this was the first time I had called them.

 

however Halifax internal systems of call centres/offices must be muddled as she was under the impression I was requesting for credit card fees - I told her this was not the case.

 

I have taken the oportunity to put the gist of above in a written request to her as I want a papertrail - I will be sending this tommorow.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

  • 2 weeks later...

I havn't been provided with any-statements yet but Halifax have offered me £330!

 

I called the person up and said I want the statements before considering any offer. They returned the £10 dpa cheque that I sent.

 

I am not sure whether to repond in letter as well, so that I have a papertrail. Does anyone havea suitable template Please?

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

Today I was offered by them £330 which is a full refund for every charge. I have accepted and am now carrying on to pursue claim against the Hfax current a/c (made sure the acceptence form stipulated it only related to the credit card). I let them off the interest as its not much, and I think the offer is fair enough.

 

I had a minimum of fuss in getting this. There was some initial provarication where they ignored the request for statements and sent some customer services gumpff through - but I got what I wanted from 2 telephone calls and a further 3 telephone calls.

 

Happy Days.

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

Congratulations!

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.

Link to post
Share on other sites

  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

HSBC, FS £100

Hfax Credit Card Full Settlement £330

Lloyds FS £503 (had to do moneyclaim + allocation questionaires

Halifax Full Settlement £979

Lloyds Credit Card Moneyclaim raised.

 

03/05/06 Fraud case with Egg resolved after 2 1/2 months!, full refund of fraud amount+interest+charges (£1060). Apology and cheque for £300 - BBC Working Lunch helped scare them into action.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6579 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...