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    • New thread started as you & LFI suggested.  It's best to have one ticket per thread, if not people get confused about which ticket they're giving advice for. Firstly, you have every right to be absolutely fuming at MFG.  You go twice and spend money - and what do you get?  A demand for £100!  Do the people who caused this mess resolve it?  No, they lie and mess you about.  No wonder you're so angry. However ... we're worried you’re leaving yourself open to accusations of theft (even though you made it clear the goods would be returned) and criminal damage.  If you take the initiative and approach the garage politely, (a) that covers yourself at least a bit regarding any possible criminal accusations, and (b) if the manager has a brain you two can easily sort everything out. I say if the manager has a brain.  They might try and play the hard case and stupidly put the blame on you.  Who knows. Anyway, how about sending this 1st class post on Monday?   Dear Manager, I am the person who temporarily took some non-perishable goods from the BP shop on Wednesday and left a letter. I have since calmed down and am writing this letter in a friendly, amicable way between adults without abuse or at all costs apportioning blame. What happened is that some time back I visited your premises at 3.15am to buy fuel.  I then revisited at 8.30pm the same day to use the shop. Afterwards I received an invoice from Euro Car Parks for £100 (discounted to £60 if paid within 14 days). What happened is that the ANPR cameras joined the two visits together and ECP issued the invoice for me staying an absurd 17 hours.  I mean you provide a good service but who would stay 17 hours! If you Google "double dipping" you will see that this is a continual problem in the private parking industry and the industry’s own Code of Practice highlights how steps should be taken to avoid issuing invoices in these cases. When I brought this to MFG's customer services' attention you refused to have the invoice cancelled.  I also visited you and again you were unhelpful. Please "take a step backwards" and put yourself in my position.  Say you visited a supermarket on a Saturday evening.  You also visited on a Sunday evening. Later you got a demand for £100 from a private parking company.  You politely asked the supermarket to intervene but they refused.  I think you would consider the matter unfair and you would be extremely angry with the appalling customer service. Anyone who has even a rough knowledge of the law knows that ECP are your agents, you called them in.  You are the organ grinder.  They are the monkey.  You can easily tell them to cancel this invoice. So i am writing to request an appointment with you in order firstly to return the goods which are yours and of course which I should never have taken.  I would like us to be able to speak in a friendly, adult manner. However, secondly I am not prepared to take all the blame for this matter.  I also request confirmation from you that you have had this unfair invoice cancelled. Yours,
    • well post it to youtube or facebook. so we can look at it.  
    • I've got it on my ring door bell footage I'm baffled! 
    • should have gotten your phone out and filmed them. dx  
    • its the OP's car PCN PARKING ON LOADING BAY NEXT TO DISABLED BAY - Local Authority Parking and Traffic Offences - National Consumer Service dx
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    • 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
      • 162 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
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Has anyone claimed for over 6 years with halifax and got it?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi orfoster

 

Howz trix!!

 

Yes I have come across Halifax cases where charges repaid for more than 6 years. However, in the cases I have seen, it was more to do with overlaps in timescales between issue of LBA to settlement date.

 

You will be aware of the thread on claiming over 6 years. There are several people on here planning to go further back than 6 years. Check out Dusary, MacBoy and myself. Some of us are having difficulty getting the statements however.

 

Perhaps someone else has further information.

 

I take it you are interested??:)

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This is for a friend at work shes had her statements going back as far as 1991. All the description says is "charges as notified" not very helpful but never mind. Yeah I am interested but with the way things are at the moment im not too sure. I can imagine its quite difficult.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 1 year later...

Hi everyone,

I am having problems with my new HBOS account with Bank Charges, recently my gf has had her hours reduced at work and we have incurred bank charges.

We have had £273 worth of charges since 18 November 2008.

I have written in to the Halifax to say we are suffering a hardship, they wrote back today to say:

"We have now completed a financial assessment of your current financial situation using the Common Finanical Statement you filled in.

The arrears with the council tax will be clear at the end of Jan 09 therefore there will be an extra £100pcm free.

This assessment of your case has shown that your income appears to exceed your expenditure"

I can't believe that they find it hard to say we aren't in difficulties.

They have included the leaflet for FOS.

We have had a £400pm reduction in wages and £273 worth of charges pm surely that is Financial Hardship?

Anyone got any suggestions?

Thanks

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 3 months later...

Hi all just an update, have contacted FOS who are looking at the complaint.

 

Halifax owe us £688 and the account is £230 o/d.

 

They have written to us today offering £220 in full and final, I don't know whether to accept the offer in part settlement of reject it completely, I accept it will bring me almost out of debt with them and i'm happy with that but it won't settle the full figure.

 

Has anyone got any experiance with them with rejecting their offer and then getting more of a payout?

 

Thanks

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi all just an update, have contacted FOS who are looking at the complaint.

 

Halifax owe us £688 and the account is £230 o/d.

 

They have written to us today offering £220 in full and final, I don't know whether to accept the offer in part settlement of reject it completely, I accept it will bring me almost out of debt with them and i'm happy with that but it won't settle the full figure.

 

Has anyone got any experiance with them with rejecting their offer and then getting more of a payout?

 

Thanks

 

Can you clarify that they have used the words "Full and final Settlement"? That is a breach of the FSA Waiver on Bank Charges.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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HBOS often give a first offer of around the £200 mark - it won't be in full and final (as yourbank says if it is then its a breach of the waiver terms), if your situation is severe and you have evidenced this to them then a couple badgering calls will often get it raised enough to help some. (don't reject it just ask them to increase it if that wont help)

 

If that sum is enough to help you out of the immediate difficulties you are facing (so far as you could expect from £600 odd charges) then by all means accept as an interim payment, the rest will continue gathering the interest till after the test case...also if things do worsen or your circs change again you may be able to ask them for some more help.

 

Have they assisted you in other areas along side the offer?

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We confirm that we accept a total amount of £210 in settlement of our unarranged overdraft fees complaint

 

It doesn't say full and final but it looks like it means it.

 

I may give them a call later on today to see if they can raise the amount, this won't bring us out of our arrears with them so won't help our finances at all really.

 

They haven't offered any other assistance, what else do they offer?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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It doesn't say full and final but it looks like it means it.

 

I may give them a call later on today to see if they can raise the amount, this won't bring us out of our arrears with them so won't help our finances at all really.

 

They haven't offered any other assistance, what else do they offer?

They don't have to offer further assistance but they can refund partially on the basis or hardship or fully as a few posters appear to be getting now. Remember though, it cannot be in full and final settlement and any further amounts are reclaimable.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 4 years later...

Hello everyone,

 

In late 2012 I got into temporary financial difficulties (I knew this was going to be for 1-2 months).

 

When I took out my mortgage in 2008 I was told that one of the benefits was that I could take a payment holiday if I did suffer any difficulty because my LTV was less than 75%, now the rest of the purchase was made up by an Open Market Homebuy (which Halifax took as a deposit).

 

On calling them in December 2012 they told me that I wasn't eligible for the "Payment Holiday" because I had a 2nd mortgage on the house, I did query this because I know damn well I checked this at the time of taking out my mortgage because I like to read everything, especially when it comes to things like this.

 

In their response they have sent me a copy of the "Information about your mortgage" leaflet which does detail that I wouldn't be entitled to a payment holiday if there is a 2nd mortgage on my home. I have every copy of correspondence I ever received from Halifax and no where can I find this booklet...

 

On their website here http://www.halifax.co.uk/mortgages/Existingmortenquiries.asp#Mortgage_payment_holidays it says to contact them but obviously now there isn't this term about a 2nd mortgage.

 

I am upset that I wasn't told this and wonder if I have a claim of unfairness on a couple of grounds....

1. I believe I was told that I could take a payment holiday if I ever fell into difficulty etc.

2. I was never sent the booklet they have now provided me with.

 

Could this be pursued under the lending regulations that I've seen? Are mortgages covered here?

 

Thanks in advance for anyone who can help.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 4 weeks later...

Bump

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Can anyone help me? Am I in the right place?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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