Jump to content


  • Tweets

  • Posts

    • Do you want to shake your groove thing but don’t know any steps? Even dad dancing beyond you? Then order ‘Dancing with The Don’ and let Felon Trump teach you all the 'hottest moves Starring classic moves like: bashing your child, flossing your nostrils, shaking the cell bars, and pointy pointing    
    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
  • 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

Colour-me-happy v Halifax - SETTLED IN FULL


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6581 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

Hi,

 

I'm another who has found this site thanks to Martin Lewis :D I have just been through my online statements for the past 12 months and the charges are close to £1500 which has obviously spurred me on to do something!

 

I just want to ask: when I send my DPA letter do I need to enclose any payment for the statements? I've read a few threads and £10 has been mentioned several times...

 

Any help would be appreciated.

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi all

 

I have sent my 1st letter today the the Halifax requesting my statements, I am a bit concerned after reading a few threads on here today....

 

I have 2 bank accounts with them, and while I'm not bothered about them closing them if they want to get nasty, I am worried as I have my mortgage with them and because of debt problems I probably would not be able to get another mortgage elsewhere, can they do anything about my mortgage account because of what I am doing re: the bank charges?

 

Also is anyone else convinced they are going to be the one that actually gets to court.... I know I am! :oops::(

Link to post
Share on other sites

Well, I have just gone through the leaflet for Halifax Secured Loans, and I would assume same applies to mortgage, and the answer would be no, they can't cancel your mortgage out of spite, only if you default, go bankrupt, that kind of things.

 

It makes sense, these are fixed term loans. In the same way, I doubt they could call in a personal loan, as long as you have kept your payments up, of course.

Link to post
Share on other sites

Hi colour-me-happy,

:lol: No, you're not the only one convinced they'll be the one Halifax take to court! I am convinced too! See my post "Nervous"!!

Good luck, lets hope we don't meet in court! :?

Penny Less

Q) Why is there always so much month left at the end of the money?

EDITED.

Link to post
Share on other sites

Do everything by email, fax or post. That way they can't try to bully you as they can over the phone or in person

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Link to post
Share on other sites

:D

ispartacus75, I like the idea of getting nasty back! So far I have been able to hold my own if they've got "ansty" with me!

 

colour-me-happy, I have a fear of crumbling and crying too! God, I sound really flaky! :? :shock: But I know exactly how you feel.

 

richardc, Good tip to only communicate via post, phone or email. Anyone managed to get an email address yet?!

 

Penny Less

Q) Why is there always so much month left at the end of the money?

EDITED.

Link to post
Share on other sites

I see that you already have a running on this claim. There is no need to start another thread. It only confuses everyone.

Link to post
Share on other sites

I have received a reply to the letter I sent.....

 

Thank you for your recent letter.

 

So I send you the information you have asked for I will need to recover archived information. When this has been done I will write to you again.

 

You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

 

I will look into your concerns as quickly as possible, but if you need to speak to me meanwhile please telephone me.

 

Jennie Wright

 

Is this a standard reply? I sent the template letter and didn't actually mention a complaint?? :?

Link to post
Share on other sites

I'm sorry but you already have threads running on your claim. I've asked you to stick to one thread before and have even locked one of your threads.

Please will you continue in the thread which is already starting. It only makes it very time consuming and confusing to have to assmeble threads together to see what is going on

Link to post
Share on other sites

I have received a reply to the letter I sent.....

 

Thank you for your recent letter.

 

So I send you the information you have asked for I will need to recover archived information. When this has been done I will write to you again.

 

You will find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

 

I will look into your concerns as quickly as possible, but if you need to speak to me meanwhile please telephone me.

 

Jennie Wright

 

Is this a standard reply? I sent the template letter and didn't actually mention a complaint?? Confused

 

I have just phoned the lady who signed the letter (because it only states the 1 account number on the letter and I asked for details of 2 accounts) and also to check about the £10 payment as they have not taken this and she said it is being dealt with informally because it would cost me too much (she quoted the £5 per statement) and it will be dealt with quicker this way.

 

I asked her to confirm that they would comply with the 40 day DPA request....she said yes.

 

The phone call was recorded 8)

Link to post
Share on other sites

Please help!!

 

I have received reams and reams of paper from the Halifax this morning, and its just data, I really don't have a clue how to deciper it, can someone point me in the right direction? Please!

 

Also the letter enclosed says if I still want my statements to let them know.

 

The have also said that they are not legally obliged to give me information regarding the manual information due to the "disproportianate effort" on their behalf.... is this right?

Link to post
Share on other sites

she said it is being dealt with informally because it would cost me too much

Really? And what is her take on £30 charges, if a £10 fee for DPA disclosure "...will cost you too much..."

 

Honestly, I think these people are now at the stage where the only reason they open their mouths is to change feet...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I would imagine that what you have recieved is an investors report.

 

Check out this thread where I detailed how to organise and then translate it all.

 

http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=2441

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

The feeling seems to be that if there is indeed a disproportionate effort required then they are not legally obliged to provide it.

 

However the fact that you asked for it in your letter and that they denied access in their letter means that if the subject of manual intervention came up in a court case the bank would look very silly for not providing the information in the first place

 

How can the banks claim for something that they refuse to provide details of after all.

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

I have spoke to the Halifax again today to confirm I still want my statements as I am finding it difficult to wade through the investors report, the guy told me that there is a charge of £5 per statement as they are not covered under the DPA, I know I have read on here previously that that is not true.

 

I have tried to find the relevent case to quote to them but for the life of me I cannot find it today (is it just me or is the library empty?)

 

Please help!

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6581 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

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...