Jump to content


  • Tweets

  • Posts

    • you mean you did aos on mcol yes? pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.   dx  
    • The Letter of Claim information is not absolutely essential, but it would be useful for two reasons. Firstly, judges take a dim view of companies or individuals who rush to court without giving the other party notice and a chance to settle - the Letter of Claim.  If they didn't send it we could include this point in your defence and it would be detrimental to them. Secondly, we know Countrywide.  They are a very small cowboy company.  The are reluctant to do court, simply becasue they are very bad  at it.  Their record of beating Caggers in front of a judge is exactly 0%.  They have lost every time.  They send the Letter of Claim also to look for people who don't reply, thinking that the person might not reply to a claim form either, giving them an easy default win.  Conclusion - always best to reply to a Letter of Claim and ridicule the PPC's case.
    • Any update here? I ask as we have someone in a similar situation.
    • It's possible.   I suffer from ADHD and also anxiety and depression currently and struggle with paperwork.  I'll have a search around to see if i can find anything.  If they did send something I haven't replied.   I thought there's no way that they will pursue this because I know for a fact i didn't park in a private space and the evidence they have sent is so ridiculous.   What impact does this other paperwork have? Thanks!   I already sent the acknowledgement as i panicked and thought today was the last day to respond.   Then i remembered this wonderful forum.  I'll follow the steps in the sticky next.
    • The particulars of claim doesn’t mention statement of accounts.  Should I include that in the cpr letter?
  • 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 
      • 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

Halifax Visa Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6023 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

Owing to claiming Incapacity Benefit for several months and now currently in receipt of Job Seekers Allowance, I can no longer meet the minimum monthly repayments on my card so I am therefore in a position where I'm forced to offer them whatever I'm able to afford per month, which will be nowhere near what they are currently demanding, £85.00, over £60.00 of this is interest!

I hasten to add that I haven't used my card since first claiming benefit.

 

So, I'm just wondering if anyone has been in the same position as me with a Halifax Visa card, and how accommodating they were (or not) about it.

 

Would really appreciate an answer, thank you.

 

sue ..

Link to post
Share on other sites

Hi Sadsue

You need to get in touch with them as soon as possible- now. By phone first, which must be followed up in writing.

This needs to be your priority.

Work out what you think you might be able to pay, total your outgoings and be realistic about what you actually spend, ie don't overestimate what you think you can pay them. Discuss that with them.

By any chance, do you have any payment protection insurance with that agreement? Only a suggestion as you may have forgotten about it.

 

The "bump" you quoted was someone being helpful and "bumping" your post to the top for someone to answer.

 

Keep posting on progress and ask for any advice. We all need to ask questions.

 

You will get plenty of support here.

 

Hopefully, soon, you can change from sadsue to happysue!!!!!

 

 

Good luck

 

Kennythecelt:) :) :)

  • Haha 1
Link to post
Share on other sites

Remember, they are open now.

 

If you leave it, you run the risk of incurring bank charges and that will add pressure on you.

 

Kenny .... thank you very much for your reply, much appreciated.

 

When I first opened a Visa account my financial situation was comfortable, so I very naively assumed I wouldn't need added insurance, DOH!

However, this didn't stop them from deducting £3.00's odd from my account each month for several months, WITHOUT my permission, and I STILL haven't been reimbursed. Probably why I feel so cynical about them at this moment in time.

It's been a foul day and I'm feeling tetchy, so will leave the phone call until tomorrow. At least then no one will have their head bitten off ... lol

Link to post
Share on other sites

Hi Sue

 

I was in the same situation as you not so long back although I am still on incapacity benefit.

 

I got the CAB to sort my payments out, I now pay everyone including Halifax Visa £1 a month.

There are some template letters here, http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html choose which one best suits you and get it off in the post ASAP send recorded delivery so they cannot claim not to have got it.

 

Also get yourself an appointment with the CAB, they can get all interest stopped and set an amount that you can afford to pay.

 

Any problems just ask and someone will offer help and support.

Good luck and keep us posted.

  • Haha 1
Link to post
Share on other sites

Hi,

noticed following thread and thought you might be interested.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/108952-claim-charges-taken-benefits.html

 

Perhaps Steven can help, his court action certainly could be something to follow up.

 

 

Thank you Kenny .... you're a Star! .

 

I'm not sure they'll take my benefit from my account as I'm currently into my overdraft, however, I'm going to open a basic account with another Bank just to make damn sure they cant get their grubby little mitts on it! :rolleyes:

Link to post
Share on other sites

Hi Sue

 

I was in the same situation as you not so long back although I am still on incapacity benefit.

 

I got the CAB to sort my payments out, I now pay everyone including Halifax Visa £1 a month.

There are some template letters here, http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html choose which one best suits you and get it off in the post ASAP send recorded delivery so they cannot claim not to have got it.

 

Also get yourself an appointment with the CAB, they can get all interest stopped and set an amount that you can afford to pay.

 

Any problems just ask and someone will offer help and support.

Good luck and keep us posted.

 

Moneyhelp .... thank you so much. I hadn't thought of CAB, probably because I didn't think they had that much influence, how wrong can one be!

Joining this forum has taken a great weight off my mind already. Bless you all. :):):)

Link to post
Share on other sites

You're welcome Sue - isn't is fab that we have somewhere where we can seek help and support, at times I have felt so alone in my battles with the banks - coming here has certainly changed my life - they will no longer bully and harass me that's fer sure :D

Link to post
Share on other sites

You're welcome Sue - isn't is fab that we have somewhere where we can seek help and support, at times I have felt so alone in my battles with the banks - coming here has certainly changed my life - they will no longer bully and harass me that's fer sure :D

 

 

Indeed it is ... :)

 

I'm feeling better already (partly owing to a bottle of plonk I have here), but mostly to the excellent advice you good people have offered me.

 

:grin: ... See, feeling much happier now ... :wink:

Link to post
Share on other sites

hi sue glad your feeling happier now like money says this site definitly makes you a stronger person the people are fantastic theres always someone around to lend an ear and help and theres laughs along the way be it a mad bunch but a good bunch good luck

Link to post
Share on other sites

Morning Sue

Remember you can claim charges on not only credit card but bank accounts, loans, mortgages and storecards/ catalogues etc.

Think about planning to get statements (full banking history) from all accounts you have had. You will be surprised at the amount of unlawful charges- plus interest.

Don't rush in though, just think about it and plan your own campaign to get your money back!!

Link to post
Share on other sites

Hi sue. I had a halifax Visa card until recently and was suffering the same problem of not being able to make the payments. Halifax were very helpful when i spoke to them. I asked them to close the account and they froze the interest. they then allowed me to pay affordable amounts until the balance was cleared:)

Link to post
Share on other sites

Morning Sue

 

Don't rush in though, just think about it and plan your own campaign to get your money back!!

 

Thank you ... again. :)

 

I fully intend to. Feeling mean and nasty now, which isn't in my nature, but Banks just bring out the worst in me as I'm sure they do most people. :mad:

Link to post
Share on other sites

Hi sue. I had a halifax Visa card until recently and was suffering the same problem of not being able to make the payments. Halifax were very helpful when i spoke to them. I asked them to close the account and they froze the interest. they then allowed me to pay affordable amounts until the balance was cleared:)

 

Thank you too charlie(not), :)

 

I'm going to call them on Monday, will report back here with their response to me. Heaven help them if it isn't a favourable one.

I'll be ultra polite and grovel initially, BUT not for long if they won't play ball with me, LOL.

Link to post
Share on other sites

Morning Sue

Remember you can claim charges on not only credit card but bank accounts, loans, mortgages and storecards/ catalogues etc.

Think about planning to get statements (full banking history) from all accounts you have had. You will be surprised at the amount of unlawful charges- plus interest.

Don't rush in though, just think about it and plan your own campaign to get your money back!!

 

 

01welcome7jb.gif Just carry on at your own speed, follow the good advice that you are getting form Tils, Money and Kenny, any questions just ask and someone is always around to help. They are a good bunch here on the whole, although one or two maybe a little crazy loco2.gif

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...