Jump to content


  • Tweets

  • Posts

    • I don't think they even deserve a reply...    We do have a solid case don't we?? Even though mum corgot the pop that time??
    • To start, my address both on my logbook and with the DVLA are correct.  The first I knew of the bus lane fine was when a woman on another floor in my building posted a photo of a letter addressed to me but with her address on it, on the building's facebook group. I obviously recognised my name so contacted her. She said she'd been receiving these letters for me for months but only asked in the group if anyone knew me when the bailiffs were at her door.  I contacted the debt collection agency and Manchester Council and was told to appeal. So I did and explained what happened said I was more than willing to pay the original fine but its now at over £400 and I would have paid straight away if the letters had gone to the correct address. Months have passed and I have just been told (with no reason) that my appeal was unsuccessful and I need to pay the full amount.  Any help would be appreciated! It just seems so unfair!
    • Exactly right Bank!  I had an email this morning from HM Courts and Tribunals Service Civil Money Claims: Dear Mr xxxx Claim number: 527MCxxx Parcel2Go.com has been given an extra 14 days to respond to your claim. They need to respond to your claim before 4pm on 4 June 2024.  Anyone would think you've been through this before!
    • OK, understood. The second decision to make, given PE are wobbling, would be whether to reply to them (well after 8 May to show you're not scared of them), ridicule their offer which is no offer at all, and ask them to make a serious attempt to settle.  You never know, they might offer a few quid as an out-of.court settlement and it might save your mum having to do court. Just an idea.  Something to consider.
    • If we are sure we have a valid case, she's ready to go to court. Her sister is going with to help with her hearing difficulties,  so we might as well see it through!!  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Moneyhelp Vs Halifax Bank ***WON***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6127 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

Sent my first letter to Halifax yesterday, sent it recorded delivery and included £10 cheque.

I'm also thinking of claiming from Halifax visa. Do I use the same letter as I used for bank account for visa?

I am currently in financial difficulty and the CAB has offered my visa £1 a month, will my claim affect this?

 

Any help gratefully received :)

  • Haha 2
Link to post
Share on other sites

  • Replies 424
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Glad to see you made it here.

 

You can ask for all accounts from 1 bank with the 1 SAR.

 

I dont think it will have any effect on your payment situation, but i will double check for you.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

I have already sent my first letter, I don't mind sending another cheque/letter if it doesn't affect my present situation.

 

If you can find out for me that would be a great help.

 

Thank you.

Link to post
Share on other sites

From what i have seen so far it shouldnt make any difference, but im sure if some one with experiance in this knows any different im sure they will tell you.

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

All falling in to place for you now.

 

Any other worries just shout.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

I have just had a call on my mobile from an Indian guy wanting to know what bank I am reclaiming charges from. I refused to discuss this with him, I asked him where he got my number and he said 02, now how does 02 know that I am claiming my bank charges?

This guy offered to help me get my charges back, I told thanks but no thanks as I am NOT prepared to give my details out to strangers.

 

Has anyone else had this call? I'm confused to where they got my number from :confused:

Link to post
Share on other sites

Best wishes with your claims Moneyhelp, that phone call from the Indian guy was a weird one !! I get the same guy phoning me every night, telling me I've won a mobile phone ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Received letter from Halifax credit card this morning dated 15th May 2007.

 

With reference to your recent claim, blah blah blah. You will receive a response within a maximum of 4 weeks. They were also kind enough to enclose a leaflet Personal Customer Complaints.

 

Do I wait the 4 weeks as they suggested?

 

I am a complete novice at this and would be grateful for any help/advice anyone can offer.

 

Getting scared now :(

Link to post
Share on other sites

If you want to claim the interest ebited you must be able to prove that these are in connection with the charges, it can get very complicated, so most people dont bother.

 

As for the letter telling you to wait 4 weeks......No.

You keep to your own time scales. Remember you are in charge here. You are taking them to court. They must work around you. (good feeling isnt it!!)

 

So send your prelim, wait 14 days then then send your lba, wait 14 days then file at court.

 

You will probably recieve a fob off letter soon, saying they are right and you are wrong, but dont worry, just ignore that aswell.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Yes that does sound complicated, I'll leave that lol.

 

Thanks for the advice Sea Side Lady.

 

I still have a while for them to send my statements, I just want to get on with it I hate this waiting.

Link to post
Share on other sites

Recieved all bank statements today from 2 current accounts. Poor postman :D

 

Been through them all and going to add them to my spreadsheet and get it posted recorded delivery tomorrow.

 

Here we go then, getting scared already :roll:

Link to post
Share on other sites

Sent Prelim letter today recorded delivery.

 

I'll allow the 14 days then send next letter on 31st May 2007.

 

Only claiming on one account as I only had £10 charges on second account.

Link to post
Share on other sites

Received the mass mailed fob off letter from a Tolga Cakir (Reviews Manager at Customer Relations)...

Thank you for your recent complaint. I'm sorry you are unhappy... blah blah blah...2 pages of nonsense. Funny that they don't even use blue logo paper and it's a photocopy not even signed. Lovely leaflet inclosed on personal customer complains too. Thanks Halifax!

 

Can I now send my LBA?

Link to post
Share on other sites

I don't know if to add this and if I do how I go about it... any advice peeps?

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

I'm getting worried now after seeing poor Canksters post today :(

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...