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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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      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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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
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Moneyhelp Vs Halifax Visa**WON**


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No...

 

send everything to

Halifax Plc

Trinity Road

Halifax

HX1 2RG

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Dont worry if you have already sent it, it will still get there, but in future use trinity road.

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...

Called 08456047000 press #4 got through right away. Said they would send my statements within next 5 days. She said as they had cashed my cheque they should have sent statements.

Please be patient as we are very busy with these requests! :-D

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Received a letter (not even in an envelope) this moring about "Changes to your Halifax credit card terms & conditions"

 

... these changes will apply to your account 7th June 2007

 

Some of the changes....

 

We are changing clause 4.1 to state that we will charge £12 each month if, at any time during that month, you go over your credit limit :D

 

we have changed clause 5 to state there will be a 3% handling fee (minimum 3£) for any credit card cheque that you use.

 

Blah blah blah......

 

This is from Angela Taylor, senior manager, customer services.

 

Sounds like they are running scared. Pleased about the £12 charge though :D

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Also received 2 identical letters this morning. One dated 25th May 2007, the other 28th May 2007 both from Trinity road. On HBOS PLC headed paper.

 

Your request for information about your account..

 

we aim to provide you with the information requested as quickly as possible. We are currently experiencing a high number of simular requests and it may take a little to process your request.... blah blah blah...

 

One is from Julie Pollard and one is from Paul Stewart. Both Data subject access request team, customer realations.

 

I'm thinking they have no idea what each person is doing. I bet their office is in a right old muddle :D after making my life a misery with their charges for 2 years, each day and each letter is making me smile. :)

 

Sorry Halifax, but what goes around comes around :D

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They have actually phoned me once they received my letter before action after the 40 days expired and told me that they were too busy and that they were looking into my request and they would send the statements as soon as they could. It took them over 2 months to send my statements.

  • Haha 1

Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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Hi Moneyhelp,

 

 

I rang 01383 743354 to get my visa statements. You should get straight through to a person and there should be no additional costs. I made the call on a Thursday and i'd got my statements by the following tuesday. It must be worth a try...

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  • 2 weeks later...

Any news?

  • Haha 1

Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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I'm after some advice..

 

My S.A.R - (Subject Access Request) request is up in 9days and I want to include this..

 

5. By virtue of the Defendant's failure to comply with the Subject Access Request the Claimant has suffered damage (and distress).

 

6. The damage (and distress) caused is:

 

Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £...........

 

Add any further things that can be clearly quantifiable, and to which you can provide proof.

 

Please be aware that claims for distress are only available where the distress is caused by the quantifiable damage. You would usually need professional evidence in support. If you are intending to go down this route it is vital you contact us before proceeding.

Anyone been down this road or know how I go about it?

 

I thought I would do some reasearch now before it get's to the 40 days. I can prove this with a medical document if it is required.

 

Cheers!

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I see you are back on form today..;)

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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With 8 days to go, the Halifax have finally sent my statements.

 

I will go through them all today and get my prelim in the post today hopfully.

 

Letter is dated 11th June, so am wondering if my email gave them a nudge.

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Glad you finally got them, i think your email worked..:D

 

Got your highlighter at the ready.....:p

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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Thanks SSL.;)

 

I am missing 14 months statements, so I will give them a call on 08456047000 as I had a good response on that number before. I will also send a letter requesting the missing statements, and get it in the post today.

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