Jump to content


  • Tweets

  • Posts

    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
  • 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

theno1lush poss vs Halifax Credit Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5848 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

Okay, that's my rejection letter done and emailed for the attention of Lisa McPhee at Dunfermline, and the LBA goes off tomorrow as well as paper copies, God I've got butterflies now!!! LOL

 

Lush :p

Lush ;)

Link to post
Share on other sites

Hi all

 

Well another very quick response to both my rejection letter and LBA it would seem.

 

Today, I received another letter from a Jillian Lorimer from Complaints and consumer Guidance this time reading:

 

Dear Miss Lush

 

Account No: 1234 5678 0910 1112

 

With reference to your recent communication about your charges,we regret that you have found cause for complaint.

 

We are keen to deal with your concerns as quickly as possible. I have asked for one of our Complaint Advisors to investigate the points you have raised and you will receive a response from us within a maximum of four weeks, in-line with the Financial Service Authority regulations. We will of course, endeavour to reply to your complaint as soon as possible.

 

You will find enclosed a copy of our leaflet which tells you how we will handle your complaint.

 

Your concerns will be dealt with as quickly as possible, but if you wish to check the progress of your complaint in the meantime, please telephone a member of my team on 0845 1241362.

 

Yours sincerely

 

Jillian Lorimer

 

This letter was dated 12 June 2007.

 

Is this a standard stalling tactic to the LBA which was sent, or is it an acknowledgement that they made an offer earlier in which they said they'd offered half as settlement but in fact had a typo which was less than half of the amount or is it acknowledgement that they will come back with a course of action eg: full settlement or a prepare to defend against my claim????

 

I dunno whether to be worried or excited!! Aaaaaaaaaaahhhhhh the pressure of it all!!!!

 

Could someone who has had the same kind of letter advise me asap plllllleeeeeaaaaasssseeeeee!!!!!!

 

Should I stick to my timetable of sending in a N1 when the two weeks are up (Next week), as the amount is only for £505 exclusive of interest, I'm sure I can take it to the small claims in Scotland but would it be worth complaining to the OFT first and using court as a very last option?

 

Would love to hear from experience or wise owls please!!!!

 

Lush :confused:

Lush ;)

Link to post
Share on other sites

It would appear there are more contact details for these Halifax Credit Card claims:

 

Jillian Lorimer

Complaints and Consumer Guidance

Customer Services

Halifax Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS (This address I'm getting to know off by heart!!)

 

Tel: 0845 1241362, no email address attached on this letter though....

 

Hope that this is useful to someone!!

 

Lush ;)

Lush ;)

Link to post
Share on other sites

  • 2 weeks later...

Many thanks Moneyhelp

 

It really motivates ya when you have a positive outcome on another issue, first £2k compensation for my employer from BT, £1.7k from RBOS, here's hoping I'll get the required response from Halifax!!!

 

Lush :D , Jeez, I can't wipe that smile of my gob!!!!

Lush ;)

Link to post
Share on other sites

I will, and again thanks moneyhelp, I couldn't have got this far on any of my accounts without all of the support from you guys on this site, you guys are guru's!!!

 

I think I'll celebrate a wee bit tonight and properly at the weekend (well I didn't get the name theno1lush for nothin'!!!!) Lol

 

Lush :D

Lush ;)

Link to post
Share on other sites

  • 3 weeks later...

Have just sent an email and letter to HBoS asking for progress on my claim as I haven't heard a thing from them since their last letter....I'll post it tomorrow recorded delivery aswell just for the belt and braces effect and to continue to be a fly in their ointment.

 

Their 8 weeks will be up on 01 August so we'll see how and when they respond!!

 

Lush :D

Lush ;)

Link to post
Share on other sites

  • 8 months later...

Well, I've left this claim slide due to personal and work commitments and circumstances but the final straw was earlier this year when they started charging me late fees again and I had been making my minimum payments of £5 and they changed the minimum payment to £10 without notifying me........so I've resurrected this claim and sent a preliminary letter asking for it back on 04 April, received a letter back from Halifax dated 8th April stating: " With reference to your recent communication about fees and charges on your account, we regret that you have found cause for complaint. We are keend to deal with your concerns as quickly as possible. I have asked for one of our Complaints Advisors to investigate the points you have raised and you will receive a response from ous within four weeks, in-line with Financial Services Authority regulations. We will of course, endeavour to replay to your complaint as soon as possible."

 

I'm unsure if there has been any change in the way that HBOS credit card deals with these complaints since July last year (when the refused to settle), and was looking to see if I should still send an LBA on the two week anniversary of my prelim letter or wait the four weeks for HBOS to respond??

 

Could anyone advise please???

Lush ;)

Link to post
Share on other sites

Can anyone tell me if there are certain categories for 'hardship' cases, I know that this will apply to single parents, people on benefits etc, but I am not a parent and have employment, and find it extremely difficult to continue getting charges on my card account..........I have a single income to pay my mortgage etc and am unsure whether I would qualify for a hardship case.....does CAG have a list of categories for this?? If so,I'd really appreciate if you could point me in the right direction.....thanks in anticipation

Lush ;)

Link to post
Share on other sites

Morning all and great news, I posted my LBA out as scheduled asking them to consider my case as a harship case, on Saturday I received an offer to refund the full amount of my claim including interest!!!!!

 

I've to sign the form and I will ask them to not credit my card account but to credit my hbos bank account instead........so will wait and see how long it will take them to pay up!

 

A great big thank you to you all for your support and help in this case!!

 

Ppxx

Lush ;)

Link to post
Share on other sites

That is fantastic news. :D

 

Let us know when you get the money. ;)

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...