Jump to content


  • Tweets

  • Posts

    • Thanks in advance for advice! I was shocked to find out when doing a credit score search this weekend that I have a CCJ in my name. I've spoken to the courts today and have been told Vehicle control services have taken me to court for parking without a permit in my own allocated parking bay that came with my flat rental. The CCJ appears to be to the right apartment block but the wrong address.  It dates back to 2017. The judgement was passed in April 2021 without my knowledge of the ticket or the case ( presumably fine information was sent to the wrong address) I had already been taken to court by VCS previously for parking in my own bay and I won. It seems to me that this is underhanded behaviour from VCS as they had my address from previous interactions and had tried taken me to court for something that a judge had previously ruled on. I'm seeking advice on next steps. I was told by court that i can raise a dispute on the CCJ but I also want to appeal the case altogether. Should I be filing an  N244 Application Notice with an N161? I was told I should pay the court £303. Now that I've got home and had a look, there is a long list of court fees so I'm not sure which is applicable. I was also told the £303 is not refundable. Should I be filing a counterclaim or is that something that can be done at a later date. Ultimately I feel disgusted at having a ccj and then having to pay for the privilege of getting it removed. Any advice on how to make VCS pay for this would be appreciated!
    • Speaking of Truss, another French politician has used her as an example of economic illiteracy. Edouard Phillippe, the ex-PM was on BFM TV this morning.
    • an aperitif before the trumpy main event   Alex Jones must sell assets to pay $1.5bn to Sandy Hook victims as Infowars spared WWW.INDEPENDENT.CO.UK Alex Jones, a right-wing conspiracy theorist, falsely claimed the 2012 Sandy Hook shooting was a hoax  
    • As gesture of goodwill, we were eventually given a courtesy car from Mercedes (after numerous complaints from us on their lack of communication / misdiagnosis / time they’ve had the car - we’re now at over 4 weeks without our car) They have literally just informed us it will be ready to collect tomorrow. If we pay the cost, where will we stand? It’s so hard to understand what we should do 😫 we will re open our complaint with the finance company then. We emailed Doves yesterday informing them of all the problems (we have touched base with them and let them know prior to this) but they are yet to respond.    Any further advice would be greatly appreciated! 
  • 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

Keyser Soze -v- The Halifax


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6401 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

Right, I've have a good look through the threads on here so it looks like I'll be giving this a go.

 

The only thing I need to do before I can send the DPA letter with my cheque is discuss it with my Fiance first as we hold a joint account.

 

By my reckoning the Halifax have taken around £2000 in charges from us for varying reasons.

 

Obviously I wish everyone else the best of luck and hope that if enough of us take them on they'll sort their practices out.

 

Cheers,

 

KS

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

  • 2 months later...

S.A.R. Letter sent by Recorded Delivery yesterday.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

  • 1 month later...

Well it turned out that Royal Mail lost the SAR letter (even though it was sent by Recorded Delivery!) so I had to resend it on 2nd October.

 

Thanks Royal Mail, you've cost me 3 weeks!

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

  • 1 month later...

Request for repayment of charges sent to Halifax 10th November, response dated 15th November received yesterday stating it will take approximately 4 weeks for them to respond to my query and enclosing a nice leaflet which had little or no relevance to what's going on.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

Response received dated 20th November 2006 stating that not only can they not provide a breakdown of their actual costs incurred due to the fact that it's "commercially sensitive" but they are also claiming that the OFT ruling does not apply to them as it was "related to charges applied to credit cards and not bank accounts".

 

Despite this the kind souls have offered me the princely sum of £562 being six months worth of charges applied to my account as long as I accept it in full & final settlement.

 

To be honest I can't even be bothered saying that I'll accept it only as partial payment, I'm just going to issue the Letter Before Action as I don't need the money at the moment and I want the interest on the charges back from them as well.

 

I guess I'll be issuing another CCS in 14 days time!

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

  • 2 weeks later...

Received letter from Halifax yesterday stating they don't accept that any monies are due and they will defend any claim.

 

Claim for £2,647.00 plus £516.42 for interest and £120.00 costs issued today.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

Thanks Aardvark, Notice of Issue received yesterday.

Capital One - S.A.R (Subject Access Request) letter sent 09/08/06

Statements Rec'd 21/09/06 - £974 in charges!

Request For Refund of Charges sent 21/09/06

Offer of £374 made by Cap One 29/09/06 - Rejected

LBA sent 05/10/06 - Same offer made by Cap One

Summons Issued 17/11/06

 

Halifax - S.A.R. - (Subject Access Request) letter sent Recorded Delivery 04/09/06 - Resent 02/10/06 because Royal Mail lost it!

Statements Rec'd 09/11/06 - £2,647 in charges!

Request For Refund of Charges sent 10/11/06

Offer of £562 made by Halifax 20/11/06 - Rejected

LBA sent 22/11/06

Summons Issued 01/12/06

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...