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    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
    • Followed up with letter which is no surprise as I’m easy to find via electoral roll. Letter says we have been asked to recover from you on behalf f our client in Middle East x amount. if you believe you are not liable please contact us - yeah right! If you wish to make payment here are our client bank details which look genuine and relate directly to a Dubai bank. ” if you don’t engage our client may take further action” etc blah blah blah. its the same type phrases used by CWD/IDRWW/IDR etc…..   I ignored the email, blocked the text number and will wait to see if I receive any formal action via Mail but seems like the same tactic I’ve seen for 10 years plus and I’ve ignored all. just for people’s info
    • Hi. I expect the experts will be along later to advise you. In the meantime, I've amended your thread title to show the car park name and location. HB
    • i can instruct my gof to sit, but if it does is an entirely diff matter. WL are acting here as a DCA and are not the OWNER of the debt, lowells are, so jog on WL... until very very recent we've never seen lowells raise a scottish claim Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card. - Scotland Financial Legal Issues - Consumer Action Group  
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    • We have finally managed to obtain the transcript of this case.

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GLAD vs HALIFAX ***WON***


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Just thought I'd put my story to date with the Halifax on here.

Claiming for £3000. Have had no relevant replies to any of my letters.My LBA was sent and just getting my court papers ready to hand in on 15th May.

I had a reply this morning that basically said "sorry for the delay in investigating your complaint and we aim to have looked into it and replied to you by 11/6/07" this is really helpful because by then my court claim will be in !!!!

Wish me luck.

Glad

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hi glad, i had the same letters. i pressed on and started court action on the 24th april. yesterday i got a letter saying they have investigated and they feel the charges are correct. well bullocks to them i'm going all the way! good luck with your claim

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no offer just a usual letter stating i agreed to the charges when i opened my account. my claim is for 4400 and i would only accept that figure. theyhave until the 30/05/07 to enter a defence to my claim. the clock is ticking.....

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  • 2 weeks later...

WELL!!!!

Court papers taken to court on 15th May and I still hadn't had anything back so called court this morning to be told that they have such a backlog of cases that they haven't even sent the paperwork to the Halifax yet!!!!!

They may not even by done by next week- wish I filed online now.

Glad:evil:

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This happened with one of my claims. It is a pain, but the daily interest will be building for you. ;)

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Hi

thanks for your reply-I was just hoping that it was further down the line and was a bit disappointed that it hasn't even been sent yet.

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Received a lovely!! letter from Robert Lengu- Customer Relations manager to say that "I am sorry to advise you I am declining your complaint" along with a leaflet "helping you understand bank charges".Usual stuff of if I don't hear from you within 8 weeks I will presume that the matter is resolved.

Thought I would politely reply and say that my claim is already with the court-taken and paid for on 15th May.They only haven't had it yet due to a backlog of claims being processed..

Glad

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Hi Glad,

 

I am in a similar positoin, appart from my claim is only £700. But its still alot of money! I have just recieved that same letter from Customer Relations Manager. Enclosed leflet with summary of bank charges and delined my complaint.

 

Not sure what to do know, was going to send all correspondance to Finacial Ombudsman to see what case I have.

 

Good luck with your case. Any advice would be appreciated.

 

Thanks

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Don't know if this will help anybody but I submitted my claim on line on Wednesday this week - when I checked Thursday they had acknowledged receipt and a letter was sent to the bank on Friday, I also received a letter stating they had until the 19th to respond. it sounds as if this is a lot quicker than going into the courts and processing it manually. The link is https://www.moneyclaim.gov.uk

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This court is getting known for its back logs. ;)

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. .

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  • 2 weeks later...

If you dont hear anything tomorrow, then you can send the letter in this link.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13)

 

It gives them 7 days to pay up!

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. .

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