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    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
    • Tory MPs didn't expect a July GE - and now they're furious. Tory MPs didn’t expect a July general election – and now they are rightly furious | Henry Hill | The Guardian WWW.THEGUARDIAN.COM Sunak’s party has plunged into a short campaign without a plan, says Henry Hill, the deputy editor of ConservativeHome  
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kennythecelt 1 v halifax and BOS 0


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Basically sounds like a decent strategy Kenny - although:

 

- Why offer concessions (unless you really need to?)

- And think about saving FOS in case you encounter further difficulty (leave a few bullets in your belt) ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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By the way.... I have an idea for Dusary's next Avatar change.... ::::drum roll:::

 

dusary_50pc.gif

 

:D:D:D Whaddya think?

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Don't say that - it makes me sound like one of those Adult Harry Potter fans! :lol:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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(Written as file note to me for later and everyone)

 

I phoned bank 24 hr service tonight at 8.15. (It should be recorded- deliberately so.)

 

Perfectly polite and reasonable, rational

 

Interesting thing was that normally when I have phoned the central number you end up with a long series of options. Tonight, straight after entering sort code and account no, I was put through and then gave security code. (conspiracy theorists will understand!)

 

Without me saying zilche, they checked the system and said there was a note on system to pay monies into my current account. Said that I was not in a position to accept it as they had not provided full banking history to 91/92, and I was not convinced the settlement was 100% of each charge and they had not given me 8% interest. Pay it in if you want to, but my action continues, (AND INACTION MAKES ME THE MORE DETERMINED- GALVANISES ME.)

 

I went onto discuss the lack of willingness to supply statements and full banking history. I stated that I had spoken to a team leader in processing section who said she would process all banking history back to 91/92. This was to include all mortgages, current accounts, loans, PPI's, credit agreements etc. Where were they? What action had they taken re 2 SARS for full banking history and numerous phone calls. Why were they not complying with Data Protection Act.

 

Said the information commissioner would now be consulted- (same route as Dusary who has had success with that.)

 

I was put on hold for several minutes and consultation obviously took place. "Someone from Customer Relations will phone you within 2 days. we can understand your position"

 

Well

Glory Be!!!!

We shall see. At least there was none of the guff about no post 6 year statements and the lady at least seemed interested. Not that she has any leverage, but if she sends the appropriate e mails with the claim reference numbers given, perhaps, perhaps:cool:

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It's that chink of light we were talking about Kenny ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Hmmph!..... I'll get me cloak :D:p

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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And guess what?

 

Nothing, apart from my own few pennies!!

 

Is it my "old age" memory failing. I seem to remember that the statements used to include pending transactions. Perhaps not!

Lets see what the rest of the day brings.

This is one phone call from the Banks which I am eagerly awaiting.

 

Reminds me of Ali (a real hero of mine) and Smokin Joe. Look at the punishement Ali took and then WHAM! What a thrilla!!

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Might be an idea to try again later - Thinking about a recent remortgage, I've noticed credits don't always hit until close of play.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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(Written as file note to me for later and everyone)

 

 

My toes are crossed!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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By the way.... I have an idea for Dusary's next Avatar change.... ::::drum roll:::

 

dusary_50pc.gif

 

:D:D:D Whaddya think?

 

 

That's NOT funny!

 

And, BTW, I did read it - I guess that the weblog is much the same!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Oh you love it really I'm sure :D

And, BTW, I did read it - I guess that the weblog is much the same!

Yes, depending on the technology used and providing you know the picture's filepath it should work...otherwise send me any pics you want to use and I'll host them for you.
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Was phoning BoS

 

Customer Care Team on 08457 25 35 19 (Belfast) Joyce Thomson.

 

Awaiting call back from S.A.R - (Subject Access Request) Team on 01422 391 152 re my full banking history. Joyce will call back regardless, I am assured.

 

Confirmation- DEFINITE £10 charge for full banking history. I was asked to confirm my date of payment so please, no excuses, everyone ensure they do this, PAY £10 BY CHEQUE.

 

Told them that the money now credited to my account was up to them and it was incidental to the course I was pursuing.

 

Still the implication that they only require to give info for 6 years, but you can guess what I told them.

 

Still no posty, roll on 4pm.

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Keep going Kenny... I have a feeling you're almost there.

 

(PS - is it just me or has email notification stopped working this morning?)

 

PPS - love the lighthouse :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Got yours earlier and I have sent you one. Not sure if working since. Will send a test.

 

Belfast Joyce called me back.

 

It will now be Monday before they phone me back. I suspect no one at whatever decision making level is at work today, and the rest of them don't want to get involved and they are leaving it for someone higher up to work on.

 

They know the exact details of how much money is involved.

 

Thjat why I remain a "Valued Customer" as all offer letters state.;)

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Yup - back working now - I think my mailserver must've having a temporary fit!

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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'What They Say' (what they mean)

 

Valued Customer*

 

(*not for long)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Yup...

 

sounds like parachute time :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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