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glasmale26

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  1. Hi, i'm looking for a little bit of advice. To try to sum up, I had two cars and two insurance policies. I sold one of the cars a few months back and never cancelled the insurance policy. I also had a third car which was off the road and being repaired and had no insurance. The repaired car was picked up by myself and being driven home when it was involved in a bump (My fault if I'm honest). No injuries but the police did attend and I was given a producer. I spoke to my friend who is in the police and he said simply produce the insurance docket for your car which is insured which would cover you to be driving third party. That's all been done and the police are fine with that and don't seem to bothered that the actual car I was in was uninsured. I then swopped the reg number on my second policy to that of the now damaged car so it is now 'insured' although it's looking pretty badly damaged at present. I'm just looking for a little advice on how to process all this. I have reported the accident to the insurance company I used and presented to the police and they said they would call me back to process the third party claim, I have given them the police reference and my friend tells me they will basically get the details from the police and the insurance companies will settle it themselves. My worry is that would they have some exclusion on me driving another car if that car doesn't have insurance and if so would they be able to find that detail out very easily? Secondly, I now want to make a claim on the fully comp part of the other policy in the hope that they will repair the damaged car. Technically it wasn't insured at the time of the accident but if my claim is for general damage am I in a sticky place if I say I've driven into a wall or something? I know what I've done is not strictly correct but to be fair I've had two policies fully paid for right through but I dont want to have either of the claims denied on technicalities. Finally, if they reject the third parties claim could I be liable for their costs? Sorry, it's a bit long winded!!
  2. Ok, thanks for this advice! Anybody have the address?
  3. Hi, Just looking for any quick advice! Cahoot withdrew an overdraft facility on me about two years ago and agreed I would not incur unauthorised overdraft charges so long as I paid it back at £30 per month. Santander then took over and I was aware that I was being charged £30 monthly regardless of what I paid into the account. I queried this with them and they said they had no record of our agreement. I got them to send me all my statements and as I remembered in the months that I ha paid in the required amount there was no charge whilst in the few months that I failed to pay in the £30 they did charge me which is fair enough. I feel that because of this I can therefore argue that this agreement was in place and Santander who now own Cahoot owe me around £350 in charges I have paid when I shouldn't have (as I had been playing off the overdraft as agreed). I have sent them a LBA letter and called today to see if that had looked at it but the said they are passing it to debt collection as they want the final balance back of me (this balance is ofcourse made up of charges they had placed on the account illegally in my mind). So, Im now about to complete a money claim online to recover my monies. Just looking for advice, do I have a case? with nothing in writing will the courts believe me? Will Santander bother to defend? Who can I contact at Santander to deal with it before it goes that far if possible??? Any help appreciated! Steven
  4. Hi, To cut a long story short I decided to contest a speeding fine and agreed over the phone that a lawyer would help and charge me £2k. I then decided tht it was pointless and told him not to bother as I couldnt afford the fees. He told me he had done some work and sent letters and would charge me £575. Now, in my stupidity I never paid the bill and he passed it very quickly to solicitors who took me to court. I wrote in agreeing to pay £150 per motnh but have found this hard to keep up with and have only made a couple of the payments. They have now served me a decree for the full amounth which including interest and fees is now hitting £700. Two questions- I never signed any initial acceptance of the original bill although when it went to court I should have perhaps argued that point. Secondly they have misspelt my name on the charge for full payment that I have now been served with- Am I clutching at straws to think that this is not valid? Or should I just pay the highway robbers!!!!
  5. Very happy as Halifax refunded my £3100 today!! Was at the stage that they had failed to respond to my MCOL claim, after the 28 days were up I called Halifax Legal Services and the conversation went like this- "Can I speak to A O Brien please?" "She doesnt take calls, is it about bank charges? "Yes, my name is ****" "Ah, Mr ****, I have your claim here, it's due to be paid but we had no contact number for you!" "Thats strange, my number is on the letters that I have sent you! I'll give you until Wednesday morning to pay the money back then I will claim judgement" "Let me make a couple of calls and phone you back" "Ok, but Wednesday is my deadline" Now the strange bit, I checked my balance today and they have deposited the funds into my account, however on checking my statement it shows the money being paid in on the 19th June!!! But my available balance only went up today and having checked online over the last few days the money definetely wasn't there before!!! Is that some sort of tactic to stop me complaining to the court for not paying up on time???? Also, It was interesting to note that one phonecall got the matter resolved, the girl was actually very helpful (named Emma Panchard I think) but why give me all the c**p about not having my number??? The pay out is about £80 less than the total but thats not a major issue. So!! Go forth and conquer, thanks for the advice on the site and good luck to all!! I will send my win to succesful claims and arrange a deposit. sm
  6. Thanks Seaside, there letter offering 50% came in late and after I had started MCOL and came from Intelligent Finance so I ignored it as i was going to court anyway, I 'suggeeted' in the letter that we could avoid court action if they settled the full amount, I will press ahead and go for judgement!! I'm worried though as through reading the posts it appears they can ask for a stay and get a second chance? Is this likely?
  7. On the MCOL site it now has a column for judgment which when I click seems to give me the optin to apply for judgement, I posted them a nudge letter on Monday to show that I was forgiving of their forgetfulness and also to suggest they upped there previous offer of 50%, it also made it clear that I would apply for judgement after 7 days... So, If I phone them, should I just ask for this A O Brien who is quoted on the acknowledgement and ask him to resolve it??
  8. Hi, I am at the stage of my claim where I have completed MCOL, this has been served and acknowledged by HBOS, I got the acknowledgment with them saying that they intend to defend the claim, that was in Mid May. They then had 28 days to submit a defence but I have heard nothing since, reading the threads on this it appears that sending them a letter to hurry them up seems the way to go, I sent that letter and have still heard nothing Should I try to get judgement from the court??? What happens now??? Cheers for any help, much appreciated!! Sm
  9. The date on it is the 24th May so I presume that would be June 21st??
  10. Hi all, I am claiming £2400 from IF in bank charges, they offered 50% on the same day that I sent MCOL which I havent yet responded to. I now have an acknowledgement from the court that they intend to defend claim (which with interest is now at £3100). My questions are these- 1- Will they really defend it in court?? 2- Should I call them and ask to settle?? (I would just be happy to get the £2400 back) 3- If I do call them, should I call the Bank or the legal representative (whose contact name is on the claim acknowledgement) Any help appreciated S
  11. Hi, Have just posted MCOL against IF, sent it to the Halifax Address in West Yorks. The claim of charges if for £2400 of which they today offered to pay back half!! (err, no thanks), Anyway, with the interest at 8% the MCOL fee was then £120 so the total claim is for £3018. I have copied IF in on the letter and re submitted the charge sheet to them and also wanted to write to the OFT as I said I would in the last letter I wrote them.... Is there a template compaint letter and address for such correspondance to the OFT??? I want to copy IF in on that too so that they appreciate my convictions!! All help massively appreciated! Sm
  12. ok, i have sent LBA letter, got an another acknowledgement saying they will respond to my concerns by MID MAY!!! lol Decided to forde ahead but now getting nervous and may need some assistance with the MCOL as I presume they will fail to respond to this letter, any assistance gratefully received
  13. Thanks Babynan! LBA letter sending tomorrow, given a couple of days for easter! lol
  14. Ok, wrote to IF, have sent the second letter (LBA?) which they have respoded to by saying they have it and are looking into my complaint, my question now is this- - The 14 days I specified for there answer expires tomorrow, should I chase them up? Simply go to the next stage or give them a little more time? Feeling strangely excited yet apprehensive- Any help hugely appreciated!
  15. Hi, I have just received notification from IF of charges over the last 6 years that total over £2400!! im now excited about entering the next stage and reclaiming my money, I have two queries though and sorry if the answers are posted elsewhere! 1- The interest calculation for each charge is obviously quite complex as I have no real idea how much each charge might have cost me at the time, i.e I cant recall if a charge took me overdrawn at the time and therefore cost me more interest, I therefore downloaded the spreadsheet to calculate interest so the next question is at what rate do I calculate it? Do I choose what I feel is a fair rate? The 8% often quoted relates more to when you go to court is that correct? Or should I just ask for the actual charges back and forget the interest? 2- As I live in England and IF are based in Scotland but are part of Halifax (An English bank?) does it matter if I use the English spreadsheets or the Scottish ones? Many thanks for anyone who can point me in the right direction! Sm
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