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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • aesmith
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By aesmith · Posted

      Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
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      By aesmith · Posted

      It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #2 - MBNA CC

      By Badtimes123 · Posted

      To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...

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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.

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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

sidog70 v Halifax

sidog70
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sidog70

sidog70

Posted
Posted

Thought i would let you all know i have just done my DPA letter, and will be sending this off tomorrow.

 

Fingers crossed because i have been with halifax for about 18 1/2 yrs and have had shed loads of bank charges.

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sidog70

sidog70

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I've made an appt to see my bank mangeress on friday, to try and get my bank charges back if i dont get them, then im going to present her with DPA latter and £10 for 6 yrs statements.

 

I have this persons name now and i'm going to deal direct with her even if it comes down to me serving her in the bank with my request to take halfax to court.

 

 

Will keep you updated

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torsen

torsen

Posted
Posted

sidog70,

you mention £10 to get 6 years statements. i just called halifax bank accounts (08457 203040) and they raised a case for a letter to be sent to me with all charge details for last 6 years. No fee for this service mentioned. If at all poss i wouldn't give halifax more money ( for info about money they've taken )which you are legally entitled to under DPA regulations.

 

will add to this if i get an invoice on the post next week....

"Build a man a fire, and he'll be warm for a day. Set a man on fire, and he'll be warm for the rest of his life." Terry Pratchett

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SPARKY100

SPARKY100

Posted
Posted

My bank manager informed me that the charges were £5 per statement, but if a larger number were requested, this was "open to negotiation", whatever he meant. I informed him that to date the bank have no real formal charge, as i've seen a nil charge right up to £10 on this site. he didn't respond!

 

Needless to say, he has passed on my DPA request to head office, but despite 30 years loyalty, they still haven't seen fit to respond to my complaint, ( The bank manager has responded, but know one has made contact with me at HO yet) and this is now 8 days after we last spoke on the telephone. Disgraceful service!!

 

My original DPA request was delivered almost 20 days ago, so i'm starting to think about my letter of complaint to the Information Commissioner.

 

I'm going to deliver one last letter of reminder on Saturday, and the request for a free service on the DPA info, and a note on the number of days they have left to provide me with the information.

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richardc

richardc

Posted
Posted

They have 40 days in which to produce the data requested. You will have to be patient

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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sidog70

sidog70

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Had my meeting with the bank manageress today, i asked her if she thought the charge of £39 for unpaid dd was fair which she relpied 'no but this is our legislation' upon this is advised her that the law states they are only allowed to reclaim a charge that covers there costs and £39 is extortionate. She was not prepared to discuss my charges and i give her my DPA letter, which to be honest she was bemused reading it and made an excuse she must go and see the actual bank manager to see were to send this form, i was sat there a good 10 mins before she returned to say it goes to newcastle and they will send it and there will be no cost..

 

Now waiting for the statements to arrive which she advised would be within 14 days.

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BankFodder

BankFodder

Posted
Posted

Confirm it all to her in writing.

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BankFodder

BankFodder

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Well she made various commitments to you verbally. However, supposing that it doesn't happen and they say to you, this is not what was agreed, yo muis understood, our staff would bever say that etc...

 

Write a letter recording exactly what she said and what she promised and send them the letter recorded ASAP. Say that you are now looking forward to it all happening.

Always do this after any conversation with the banks.

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sidog70

sidog70

Posted
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UPDATE ***********

 

Have now received a letter this morning from halifax, they are offering me £260 (my claim is for £2,116.24). I can assure halifax i will not be accepting this punitive amount. My question is do i now go and file the moneyclaim or send another letter to them asking for all the money back.

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sidog70

sidog70

Posted
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LOL it has blindman

 

 

Just give halifax customer relations call to give them one last chance to pay up in full before sending the LBA, they now have gone from offering me £260 to £512 which i advised is still far short of the £2116 im claiming, she advised that would send me a letter to advise that £512 would be there last offer and have exhausted there complaints procedure and now i would need to take this up with the ombudsman, i advised that i would not be doing this but sending a letter giving halifax to pay the full amount in 14 days or i will be suing them for the full amount. The lady advised that my complaint would now need to be noted to say that im going to sue halifax.

 

Have i spoilt my claim in anyway by phoning them today ????

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Spiceskull

Spiceskull

Posted
Posted

I don't think so at all. You have given them time and deadlines, they have treated the final offer as their last, you have told them what you are going to do to recover your money.

 

Would suggest waiting until the deadline you set has expired before issuing your claim - they may get their lines crossed and someone else may offer you a fuller refund. Would also suggest writing another DPA request asking for copies or transcripts of ALL telephone conversations between you and the bank.

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Guest blindman

Guest blindman

Posted
Posted

IMHO

I wouldn't say so, you have in fact speeded things up because instead of waiting for their reply to your LBA, you've already had it.

 

I would send an LBA but worded "After the 'phone call (date) with (whoever) In which my claim for full payment of charges was verbally denied I intend to start small claims proceedings immediately.

 

Or words to that effect.

 

(That's my opinion...)

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sidog70

sidog70

Posted
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an interesting and unique turn of event today, logged on to moneyclaim to check how the claim was progressing along, my judgement has now progressed and from what i can see has a message there saying that the defendant(Halifax) have admitted to owing me the money.

 

Has anyone else come across this before with Halifax, i always thought Halifax made us sweat til the last minute.

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DazNorthants

DazNorthants

Posted
Posted

Not heard of this one - will watch closely.!

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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