Jump to content


  • Tweets

  • Posts

    • I don’t have the details to hand, they’ll be on an old IDE hard disk from my old computer and I’ll need to buy an adapter to access those files.   But from memory, I think the case was around 2016 in an English county court. A lawyer was posting progress on a case he was working on, I can’t remember which forum, arguing that Erudios DAF forms breeched unfair contract law.   Erudio settled the matter out of court just before the case was heard when the lawyers client accepted an offer to backdate all his deferments and make changes to future DAF forms.   Very soon after all the posts relating to the case were removed from the forum, I suspect as part of the settlement deal with Erudio.   TBH I wasn’t sure at the time that I was going to be able to use this anyway, given that there was no ruling on the case to refer to.   I just wanted to make them aware that I knew they had granted deferment to somebody who hadn’t used their DAF.   I turned 50 in February 2018.   Strangely, I can’t find a copy of the default notice or their final response.   I say strangely because I have what I thought were all my Erudio letters in a file in date order.   I can only think therefore that they were sent by email and I did have a period were I had to switch email providers and email addresses because emails were being lost, and then when I switched the previous provider deleted everything.   I did manage to backup some of those emails before the previous provider deleted them, but again they would be on my old IDE hard disk, so I don’t have access to them right now.   Sorry I know this isn’t much help.   How essential are these letters?
    • Purchased an ipad from very . 4 weeks out of manufacturer warranty the item broke . APPLE would not replace ad it was out of warranty and said due to consumer rights may be able to get help from the retailer (VERY).   Very wanted a report from Apple before they would go any further . Due to COVID the apple shops have only just opened i have got a report which states there is an internal fault ipad is in excellent condition with no signs of external damage .   Very have said they will refund but less 20% because its been used . Is this right ? All I want is a replacement item I expect a £400 item to last longer than 12 and a half months.     Any help or info would be apreciated 
    • In fact even better, if you could get the property inspected by Social Services then I think that would be all you need. We can then see about taking any necessary action to recover your money – which would probably amount to bringing a legal action – as long as we can find them. Doing know whether they have offices or whether they are traceable? How did you pay? I think that you should get an independent inspection of the property to confirm its bad state of cleanliness. I suggested that if you could get another firm of cleaners in to give a statement then that would be a good idea and it would also be a good idea first of all to write to West Cheshire Facilities Management and put them on notice that you will be carrying out your own inspection and that if it incurs a fee that you will be looking to them for reimbursement of that fee as well as the cost of making good their substandard work.   I tried accessing their website but it doesn't seem to work at the moment. This is rather concerning
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Halifax - First Letter Sent Today


Please note that this topic has not had any new posts for the last 5457 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Some how I actually had 6 years worth of Halifax statements filed at home. Having checked my statements, £3,039 in charges have been made during this time. I have typed in the data for the interest spreadsheet (which amounts to a further £351.88). The account is a Cashplus account that I use for paying direct debits mostly so no overdraft limit on that account. I plan to send the letter on the bankcharges.info website out today giving them 14 days to revert. My question is, should I add in the interest payment?

Link to post
Share on other sites

Read the FAQs and the forum material. this has been discussed many many times

Link to post
Share on other sites

Thanks for coming back to me so promptly. Your site is brilliant however I have struggled to find the answers easily purely because there is so much info there. Sorry if I have upset you.

Link to post
Share on other sites

I sent the standard letter to the Halifax on 7 March highlighting £3,039 in charges. Samantha Smith from the Halifax called me this afternoon to discuss this.

 

She firstly told me that she was sorry I was disappointed with the bank however I did agree to their terms of business when I opened the account about 8 years ago.

 

She subsequently offered to refund my 2006 charges as a sign of goodwill (5 x £39). I told her that this was unacceptable and given the recent publicity regarding charges I may need to move this forward. She then offered me £1,155 in full and final settlement representing charges accrued during a difficult 6 month period of time for me in 2003/2004.

 

I told her that the second offer probably wouldn't be acceptable either. She then asked me what amount would be acceptable and of course I told her the full amount stated in my letter. I explained that by refunding me the full amount would actually be a win-win for both parties. I continued that there would be no reason for me not to persue this via court action however an early settlement would mean no interest charges (over £500), court costs or solicitors fees for them to pay and no time issues or additional work on my part for filing with the court.

 

Samantha informed me that she could not agree to this and would refer me on to the Banking Ombudsman. I then asked her to put her offer to me in writing and I would sleep on it (she has agreed to do in the next 48 hours) however I did tell her my gut feel was that this would probably not be acceptable.

 

So I have had an offer of a 38% refund amounting to £1,155 with my first letter. Given their willingness to resolve, I plan to send them a further letter upon receipt of their written offer giving them a further 7 days to send me a cheque for the full amount otherwise I will file at the county court.

 

Your site is brilliant and without it I would not have moved forward with this. I hope visitors to your site take note and get their letters out quickly.

Link to post
Share on other sites

Well done geewizz - many people might have been tempted to take the offer. Good luck with your case....

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites
She firstly told me that she was sorry I was disappointed with the bank however I did agree to their terms of business when I opened the account about 8 years ago.

 

A good reply to this would have been that the bank promised to act within the law in those same terms and conditions and that penalty charges are outside the law, but maybe that just gets peoples backs up.

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

Link to post
Share on other sites
Your site is brilliant and without it I would not have moved forward with this. I hope visitors to your site take note and get their letters out quickly.

 

Don't forget our bookfund!

Link to post
Share on other sites

I filed an HMCS Money Claim against Halifax plc this morning. Although they did respond within the 14 day time period stated in my letter with an offer for 38% of the charges I feel that this is not enough. They did not respond to my further letter in relation to this and so I have filed for £3,478.71 + court fee.

Link to post
Share on other sites
  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 5457 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...