Jump to content


  • Tweets

  • Posts

    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
  • Recommended Topics

  • 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 
        • 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
  • Recommended Topics

lw-d v Halifax


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6142 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

  • Replies 57
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 2 weeks later...

hi lori hun,

you have asked for my help and ill give it willingly but i need to know what help you need? please dont give up we are all here to help you. if its just a problem with getting the statements then go ahead and send that letter it will make sure they know you are serious and that you know how to proceed legally. if there is another issue you wish me to look at then feel free to pm me and ill do my best to help you. if you have a thread dont forget to give me a link so i can get the whole picture.

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

Link to post
Share on other sites

  • 1 month later...
  • 3 months later...

Hi all,

 

I have sent the second letter to the Halifax, basically saying that I have calculated that you have unfairly charged by x amount of pounds and I am claiming it back (using the CAG template of course).

 

Last week I received a letter that basically says that the charges are correct (I can scan the two pages in if it helps).

 

Not only does it say that they think the charges are warranted, it says that it will continue to charge me this way.

 

Arrrghh, help.

 

Thanks

Link to post
Share on other sites

Hi all,

 

I have sent the second letter to the Halifax, basically saying that I have calculated that you have unfairly charged by x amount of pounds and I am claiming it back (using the CAG template of course).

 

Last week I received a letter that basically says that the charges are correct (I can scan the two pages in if it helps).

 

Not only does it say that they think the charges are warranted, it says that it will continue to charge me this way.

 

Arrrghh, help.

 

Thanks

 

This is a standard reply, just follow the set prodedure laid down in the step by step instructions.

Link to post
Share on other sites

Thanks for the reply. I have taken a look at the next document in the template library (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/) and the next letter I should send doesn't really fit in with how my claim has gone, at this stage, they have not ignored my request, they have simply stated that they will not pay.

 

Which document should I send as a follow up to this?

 

Thanks for your kind help.

Link to post
Share on other sites

Then slightly ammend the template to say something like... 'I am dissapointed with your response to my letter dated...'

Does that help at all?

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

Link to post
Share on other sites

Call them on 01977 627385 and say you're not happy and will take it further.

 

More than likely they'll ask you what you want and agree to pay all the charges back, without interest.

 

They did this to me and said they have a policy of not going to court as it wastes time and money for both.

Link to post
Share on other sites

  • 1 month later...

Hi all,

 

I am again close to giving up on this, I received a letter from the halifax that states the following:

 

Your Bank Charge:

Thank you for your recent complaint about the charges which have been applied to your account. I am sorry you are unhappy.

 

Our investigation:

I have carried out a full investigation of your complaint and I am satisfied that the charges have been correctly applied to your account. This letter explains the reason behind my decision.

 

Why you have been charged:

When you opened your account, you agreed to our terms and conditions which explained that charges would be applied if you did not keep to the terms of the account. From time to time, we have also sent you information about the current level of charges. This information formed part of your agreement with us and we have applied them strictly according to the terms of the agreed.

 

We apply these charges because when customers have insufficient funds in their account to cover a payment they have asked us to make, this means additional work for us. As a result, we feel it reasonable to charge for this service.

 

You referred to the guidelines on credit default charges issues by office of fair trading (OFT). As the guidelines do not apply to bank account charges, I cannot comment on it in connection with your concerns. The guidelines are about default charges which people must pay they break the terms of a credit agreement with a lender. As previously explained, the charges that you are asking us to refund are our fees for the additional work that we carry out when a customer requests a payment without sufficient funds in the their account.

 

The letter goes on to page two which basically gives a rundown of their charges.

 

I realise now that I have incorrectly quoted OFT, which is in relation to credit cards. As a regular bank account holder, do I have a right to claim the charges they have issued?

 

Thanks

Link to post
Share on other sites

Hiya lw-d, It seems the banks are very good at making people feel stupid. Dont worry and dont give up.

I had a very similiar if not the same letter from them.

What stage are you at now? Is this a reply from your first letter or second letter?

After sending the first letter and the letter before action i phoned them and got awarded the full amount of my claim £4431.00. So dont give up now.

Theres loads of people that will help you on here if you get stuck.

 

thanks

 

karen

Link to post
Share on other sites

This is a standard letter which most of us have received which is designed to make you give up and walk away.

 

Please don't - you will get your money back. Carry on with the process!

 

Good Luck!

12-03-07 Halifax Received £1800

05-06-07 Halifax II Small Claim Served for £2503

Capital One - Won £768

Halifax Credit Card - Won £756

Link to post
Share on other sites

This is a standard letter which most of us have received which is designed to make you give up and walk away.

 

Please don't - you will get your money back. Carry on with the process!

 

Good Luck!

 

Totally agree with noodledoodle I got same letter as this, Just kept going, followed simple steps advised on forum and I won back £2295

 

Just keep going and keep it simple and you will get paid

 

all the best dpick:p

Link to post
Share on other sites

This was their response to the breakdown of charges that I posted to them, here is the initial letter I sent, sorry for posting in full, I'm just not sure what to do next:

 

My request

[template deleted, please don't post templates on open forum]

 

I calculate that you have taken £1839.50 plus £317.25 which you have charged us in overdraft interest for the sum which you have taken. Total £2156.75.

 

 

I am worried that if I sent one of the templates again I will include information not relevant, then they will not take me seriously. Is the procedure different for bank accounts, do you guys have claims for bank account charges?

 

Thanks for all your help.

Link to post
Share on other sites

Oh dear...

 

Ok, first things first, I have just merged 6 different threads from 3 different forums. You really need to keep all your questions and queries relating to the one claim on one thread only, it will help you and us keep track of your progress. If you're not sure what happened to your thread when you next log on, click on your own username, and then click on "find all threads by...." and you'll find it that way, ok? Think of this thread as your personal diary, you wouldn't write it on bits of paper here and there, would you now? ;-)

 

Secondly, have you read the FAQS and the step-by-step? Have you read a few of the success stories in the Halifax forum? You see, it seems to me that if you are close to giving up when the bank is sending you what is their standard "sod-off" reply, maybe you need to do a bit more reading around.

 

The reasons are these: 1 - You will see for yourself that this is the templated response, 2 - You will see that thousands who got the same one went on to get their money back, 3 - You can then prepare for the next step, knowing what to expect.

Would you go for an exam with no preparation? Would you go to a foreign country without learning about it first? For that matter, would you go shopping for a 5 course-menu without a shopping list?

 

If you know what to expect, half the work is done, as they can not then scare you so easily with the unknown.

 

So read, read and read some more. Halifax are one of the easiest banks to deal with, or have been so far, so take heart and carry on. ;-)

Link to post
Share on other sites

hi there please dont give up we have all felt that way at some stage while going through the process of claiming if you have sent your prelim you now need to send your lba if you have any questions big or small just shout there is always someone around to come and help you and plenty of good advise have a look at this link below

Letter before action - Consumer version - asking for it

Link to post
Share on other sites

Thats me told. Thanks for the advice, I guess I should invest more time in this.

 

Thanks

 

For over 2 grand in charges, I would. :-D

 

In all seriousness, the day you get the letter telling you they're caving in, never mind the money, you will be grinning from ear to ear all day, telling everyone you can, and wondering why you ever thought of giving up. :-D

 

(and the money comes in really handy too! :-D)

Link to post
Share on other sites

Cheers, I certainly will carry on with this. Apologies for several posts, I had my old email registered for forum notifications, I have updated this now, so I can keep on top of it.

 

Thanks for everyones help, I'm just preparing the follow up letter now.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...