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    • Just go for the full value of the jacket. I haven't really followed the thread very well – was that the declared value. Maybe you can just give a very brief summary of how the puzzle over the value has happened. In terms of the video presentation, I'm pleased you enjoyed it – but I'm going to say now – the fact that we had to draw your attention to it means that you really haven't done much reading. You are coming across as extremely under confident. If you take a day or 2 to do some solid reading of the stories on the sub- forum then it will help you a great deal in your confidence and also in your approach to your forthcoming mediation. It's not a waste of time. This forum is about self empowerment. We try to direct you and we provide you with materials that we expect you to do your share of the work
    • Correct and its not your concern for the safety of a Bailiff..there have been recent developments in which Judgment of + £600 can now be transferred up to High Court for enforcement purposes. If the judgment obtained in the County Court is over £5000 and the claimant wishes to enforce this by way of execution against the debtor’s goods, then it must be transferred up to the High Court for enforcement. This will be undertaken by a High Court Enforcement Officer. An important development is that smaller claims (£600 and above) in the County Court, known as County Court Judgments (CCJs), are increasingly also being transferred up to the High Court for enforcement. This is owing to: a) The High Court Enforcement Officer greater powers. b) Unlike County Court Bailiffs, HCEOs also work within a private company and are paid on results – based on the amount that is collected.
    • Hahaha! That video really did put things into a funny perspective for me, brave of them to state their defence to a court too. Thank you for the laugh, really helped to lighten the weight I had been feeling from this situation   Any advice on the price of the jacket argument before I go to mediation? Like I said, I have full proof of the receipt and email entries 
    • The fact that you are asking why on earth they do this in the face of a statutory prohibition suggest to me that you haven't read enough of the stories here. They do it in order to raise obstacles. They know that they are wrong. They are fully aware of section 57 of the consumer rights act. They are fully aware of section 72 of the consumer rights act but 99 times out of 100 they get away with it and as I've already suggested, they are making billions of pounds every year with an insurance scam. And of course it very likely is "insurance" and as such we are not aware that it has gone through FCA procedures and that it has been regulated and either authorised or that the FCA have granted an exception. What they are doing is completely unlawful but unfortunately there are no authorities prepared to move themselves to do anything about it and of course it has simply become accepted as part of the normal consumer culture. Have you seen our pizza delivery video?
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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.

      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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4

       

       
    • Pizza delivery insurance.mp4


       

       

       

      Parcel delivery insurance 1.mp4
        • Haha
      • 2 replies

Ady Versus Halifax Plc **WON**


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Hi guys.

 

Been reading the site for a while and have decided to pull my finger out and do something about my charges!

 

Have sent the letter off asking for statements so will keep you informed of my progress.

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GoodLuck TheMoff...........

 

 

You've probably read all the FAQ's & Threads. but feel free to ask any questions to the CAG community... (Dont worry the Mods aren't as grumpy as they first seem.... Hehe only kiddin mods x)

 

 

Keep us all updated with how you get on.

 

Peace Man:D

 

Sgt

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yeah - i know what you mean - frustrating being limited to the 6 years! But when I found out I could even claim back 6 years at all - I was like WOOOOOOHHWWW! COOOOOL! :D

 

 

And I was sold!

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  • 2 weeks later...

Hello again.

 

Just a quick update.

 

Nothing yet from the bank and the cheque hasn't been cashed.

 

Had a look at my online statements going back to August last year and there's £258 worth of charges just in that time period so looks like it's going to be a big one!

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Have you tried sending them an email? I seem to have had a better response from doing that. I emailed them last tues and rec'd statements today ( 2 yrs missing though).

This year alone I've been charged £590 so looking forward to gatting it back!!!

 

Good Luck and keep us posted.

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yeah - i know what you mean - frustrating being limited to the 6 years! But when I found out I could even claim back 6 years at all - I was like WOOOOOOHHWWW! COOOOOL! :D

 

 

And I was sold!

 

I think 'thewifeandI' claimed back more than six years and the Limitations Act is being discussed on a thread, as it may be open to challenge (only my opinion):)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Just read on another thread that it is not a good idea to say to the bank you are going back more than six years if you have the infor and it is only a bit more time then to go ahead and add it all up, I have no idea how they would react to periods of say 10 or more years? I wonder if anyone has been successful with this.

 

good luck whatever you do!

 

I am gathering all my info which is more than 6 years and will compare to what they send me, I have asked for all my account history.:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Just received a letter from Halifax. They are sending duplicate statements under seperate cover! :)

 

They have also said "with regard to your request for information relating to manual intervention on your account they are under no statutory obligation to record this information and therefore are unable to assist me further with the request."

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  • 2 weeks later...

hello, I too am still waiting! it cannot take that long to just press a button to print?? since they have taken the charge from me for this I am beginning to feel annoyed by their delay. I beleive the banks are stalling for time.:(

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Well, it's been 33 days and still not received my statements. Does anyone think I should be sending off a chase up letter to remind them they only have a few days left to comply?

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Well, it's been 33 days and still not received my statements. Does anyone think I should be sending off a chase up letter to remind them they only have a few days left to comply?

 

Hi,

I had to follow up my initial letter with at least 3 phone calls and 1 letter plus I wrote to the Information Commissioner's office complaining about the stalling tactics the Halifax seem to be using.

My advice would be ring them again, make sure you get a name and send the request for data letter again quoting name and tell them how many days they have left to comply.

 

Good Luck :)

halifax: Data Protection Act sent 05.05.06

40 days up: 14.06.06 - no info received

sent lba 09.06.06 telling them they have 7 days (21.06.06) to comply

sent prelim letter, 22.06.06 - £4340.00!!

03.07.06 - offered £565 from Halifax

SENT LBA - 7TH JULY 2006

FILE MONEYCLAIM - 21.07.06!!

4.08.06 - ****** SETTLED IN FULL *******

 

Barclays: sent Data Protection Act 31.05.06

received some info 09.06.06, missing 3 years worth of statements- rang them, they now have 25 days to comply

sent prelim letter, 23.06.06 - £2520!!

SENT LBA - 11TH JULY 2006

20.07.06 - OFFER RECEIVED £900..... No Thanks!!

FILE MONEYCLAIM - 24.07.06

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I would say send them a reminder, I sent a reminder email after the 14 days expired that was quoted in their letter to me.

 

Nothing has arrived yet though. Next week I will be sending the letter reminding them they have 7 days left from the first DPA request so that I can follow up with further action under subject access legislation.

 

p.s. is there a template for reminders or are they fairly simple ' I sent you a dpa on XXXX, you have 40 days to respond to my request. You now have XX days left.'

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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  • 1 month later...

Hi all.

 

Just a quick update as I have not posted for a while.

 

My statements came through 1 day before the 40 days was up!

 

I have now sent a letter requesting payment and they have replied saying that they are going to investigate the points I have raised and I will receive a reply no later than 4 weeks! Is this normal.

 

Thanks.

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Hello, I received the same thing, a letter giving themselves four weeks - it is not for them to set the timetable, there is already one that has to be complied with, keep to your own dates, follow the step by step guide, very good luck.:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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  • 2 weeks later...

Just had a phone call from The Halifax saying that the law I refer to in my letter referers to charges for credit cards and not my current account, yet, they still offered me a £100 refund which they are going to put in writing. Is this a stalling tactic?

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sounds like it to me. who rang you, their lawyer? I would think that if they know they have the law on their side they would not pay a penny to anyone. this is not the case though.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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