Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 27th January 2007 13:37 #1
    Walksonwalker Walksonwalker is offline
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    Default Left hook. Halifax on the ropes!

    Well after I sent my lbaicon to the Halifaxicon, they have crumbled and offered me £116.75p. Exactly half of what I asked for. It is soooo tempting to accept this as I am not sure how I would cope in a small claims court. I am a very mild unpersuasive shy person. I am sure I would screw it up completely. Happy but confused. Where to next?

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  2. 27th January 2007 13:45 #2
    Didge Didge is offline
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    Default Re: Left hook. Halifax on the ropes!

    I was terrified when I walked down to the court to file my N1. Nearly turned round after leaving and asked if I could 'unfile' it!
    But the Halifaxicon will pay you everything if you just hold on a tiny bit longer. I just followed all the advice on here.
    If 50% is good for you- fine. If nothing less than 100% will satisfy you, then keep going - you have thousands of people behind you.

    HALIFAX
    30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95
    HALIFAX 2nd claim
    5th Mar - 16th Apr - Success in claiming £176
    EGG (3 accounts)
    20th Jan 07 - SAR posted
    17th Mar 07 - Paperwork received - bits missing
    19th Mar - Non-compliance for missing bits posted
    9th Apr - ICO complaint filed
    BARCLAYCARD
    20th Jan 07 - SAR posted
    21st Mar - Statements received
    23rd Mar - Prelim posted
    31st Mar - Offer for £30 rec'd
    10th Apr - LBA sent
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  3. 27th January 2007 13:48 #3
    Michael Browne Michael Browne is online now
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    Default Re: Left hook. Halifax on the ropes!

    Send them this letter:
    Rejection of settlement offer
    Rejection of settlement offer

    and file at court 14 days after the date of your lbaicon.

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  4. 27th January 2007 13:56 #4
    Walksonwalker Walksonwalker is offline
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    Default Re: Left hook. Halifax on the ropes!

    Okay. I will take your advice. What do you recommend me reading to help me out at the court?
    Thanks
    Jim.

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  5. 27th January 2007 14:07 #5
    Michael Browne Michael Browne is online now
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    Default Re: Left hook. Halifax on the ropes!

    See these 2 threads

    Money Claim On-Line (MCOL) Particulars of Claim
    5. Money Claim On-Line (MCOL) Particulars of Claim


    Moneyclaim On-line Guide
    Her Majesty's Courts Service

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  6. 27th January 2007 14:09 #6
    Didge Didge is offline
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    Default Re: Left hook. Halifax on the ropes!

    http://www.consumeractiongroup.co.uk...tructions.html

    Then depending on whether you intend to file online:
    http://www.consumeractiongroup.co.uk...laim-line.html

    or in person at court:
    http://www.consumeractiongroup.co.uk...-claim-n1.html

    This is my tale:
    http://www.consumeractiongroup.co.uk...e-halifax.html

    HALIFAX
    30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95
    HALIFAX 2nd claim
    5th Mar - 16th Apr - Success in claiming £176
    EGG (3 accounts)
    20th Jan 07 - SAR posted
    17th Mar 07 - Paperwork received - bits missing
    19th Mar - Non-compliance for missing bits posted
    9th Apr - ICO complaint filed
    BARCLAYCARD
    20th Jan 07 - SAR posted
    21st Mar - Statements received
    23rd Mar - Prelim posted
    31st Mar - Offer for £30 rec'd
    10th Apr - LBA sent
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  7. 27th January 2007 14:54 #7
    Aaronsdad Aaronsdad is offline
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    Default Re: Left hook. Halifax on the ropes!

    Don't cave in! It is so easy, lots of us have done it and won.

    You've got some very good advice above and there's always someone around to help if your stuck.

    A D

    "Another charge by the Bank?"

    1st Claim (Current account)
    30/11/06 WON! £3146.41

    2nd Claim (Mortgage charges)
    27/3/07 WON! - £277

    3rd Claim (Credit card charges)
    14/5/07 WON! £300

    4th Claim (Old account 97-99 £444)
    20/4/07 Prelim sent
    9/5/07 LBA sent
    Can't remember now but I WON!!!
    My current thread - An A-Z - My previous saga

    IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.
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  8. 3rd February 2007 14:25 #8
    Walksonwalker Walksonwalker is offline
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    Default Re: Left hook. Halifax on the ropes!

    If you have not already sent a full schedule of charges and overdrafticon interest to your bank
    -- then --
    stop!


    I have a query relating to the above statement. I have sent a schedule of charges with my preliminary letter. Does this count or do I have to send another one before I take court action?
    Please be hasty with reply, because I will be taking action on Thursday :S
    Thanks in anticipation
    Jimmy.




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