Craig Vs Hbos

[craig2016]

Hi there,

Thought I would start my own thread in here now as its starting to get complicated, I have recieved all my statements from B.O.S. accounts and tallied them up and they owe my about £3500 without interest now im just getting my letter before action ready and wonder how I should word it?

Do I send the LBA for the whole amount then split the claim when I file my court papers,or should I mention how much they owe me but just say that i'll be claiming for the first £750 chunk then filing more claims later.

Does anyone have a template for how someone else has done there's


Thanks Craig

[Mairi]

Hi Craig
Send the LBA for the whole amount and state that you will be severing the claim into chunks.

use the LBA in the library and on the last paragraph just put something like.

"If you do not comply fully within 14 days then I shall begin the first, of many small claims against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

[craig2016]

Hi all,

Decided after reading what others have done to file a moneyclaim against them.

Submitted this last night, when do i send in a copy of the charges in the spreadsheets and who does it go t?

Many thanks

Craig

[CJ&theBOS]

Hi Craig you are just ahead of me. I guess you sent the LBA to their head office in england? Trinity road? So it could be heard under english law and so you could file a claim in one chunk via moneyclaim? (under £5000 for small claims in england)

also did you not send a preliminary letter asking for your money back first?? or just send the LBA straight away??

SCOTLAND: HBOS plc, PO Box No 5, The Mound, Edinburgh EH1 1YZ

ENGLAND: Halifax Trinity Road, Halifax, West Yorkshire HX1 3RG


ahhh wait found this by flyermonkey

I have always lived in Scotland and did have an account at the Bank Of Scotland for many years, until their charges became obscene and I switched accounts.

Last week I recieved a large cheque from Halifax Bank Of Scotland through suing them via moneyclaim online at their Halifax address. I was advised to try this by my Scottish based solicitor and it worked. The only problem I had was that I had to get a friend to act as an agent - ie let me use his house in York as a mailing address. Again I was told by my solicitor that this was fine, that as it was only a mailing address and my Scottish address was on the form anyway so they were purely acting as an agent - in the same way as a solicitor would.

the exact same situation applies to me except that i have relatives in england who i can hopefully use as a forwarding address

all good best of luck

[craig2016]

Yeah my brother lives in london so using that as a mailing address.

Not sure if ive made a mistake now my prelim letter went to my local branch then my LBA went to leeds now I have used the trinity road address on the moneyclaim form. I thought they would have all ended up there o well it's done now just have to wait and see what happens.

Cheers and good luck

Craig