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    • retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free  I hope dpd will refund them so they don't lose out. Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
    • again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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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.

      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.
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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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  • 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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  • 2 weeks later...

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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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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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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Called the number in previous post. Nice lady called Cheryl has ordered all my missing statements.

 

Also sent a letter worded similar to the SAR letter in the libarary, adapted it to my needs and gave them 8 days to supply the missing statements, this is when their 40 days are up.

 

8 days and I will send a non compliance letter.

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I have some questions regarding my visa.

 

I have a lot of payment reversals on my statements, I presume that is when they unlawfully took my benefits money from my current account to pay my visa, then I demanded it was returned, would that explain these reversals?

 

Also, when we get to the stage where we add the interest after the prelim, do we still add the 8% interest or is there another amount for credit cards? I ask because surely I have been charged a high amount of interest on these unlawful charges.

 

Seems strange that the charges range from £25 - £20 - £12 all for the same thing!

 

I can't wait to get the missing statements, as this is when I became unfit for work and all the troubles started with the Halifax. I wonder if it's coincidence that these are missing :o

 

Keep ya posted :)

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Today I have sent a further email to Ms Kelly Duffy:

 

Dear Ms. Duffy,

 

Regarding our previous correspondence via email RE Account number xxxxxx

 

I have received part of my S.A.R - (Subject Access Request) request, but on further inspection I am missing the following statements:

 

2001. - X - X- X- X- X- X- X- X

 

2006. - X- X- X- X-

 

2007. - X- X- X-

 

I have sent a further request to my SAR dated 12th June 2007 via Royal Mail giving Halifax a further 8 days to reply to my original request. After which time I will be filing for non compliance with my local County Court.

 

I am sure you will agree it would be beneficial to both parties to resolve this matter before such time.

 

Regards,

 

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I have decided to give Halifax Visa a further 7 days to send my missing statements.

The reason being I re sent a SAR outlining the missing statements as their 40 days were not up. I want to do things properly incase this goes all the way.

 

Today the 40 days required it up. I think I have been more than fair with this.

 

LBA of 7 days sent 20th June 2007 recorded delivery.

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