moving on. . v Halifax

[moving on. .]

Good morning to one and all,

I have so far spent the whole morning reading postings and am feeling every step of the emotional roller coaster along the way...how uplifting to read of support and reasssurances when so often we falter. Now its my turn!! In a nutshell I have just filed a mcol against the Halifax for £3830.00 plus interest and court cost bringing the total claim to £4,640.00. Halifax ignored all the deadlines and offered £2.100 after 30 days , i refused , they then offered £3,100, but by this time i had already filed with mcol. Un be known to me I had filled the first claim form in error, and yesterday i re-issued the claim. Hence a need for support!!. . feelings of panic set in, what happens next? advise so far seems to be to sit tight. .

[mrsfoot]

Hello and welcome to the Consumer Action Group!

There are a few things that you must do before sending letters off left right and centre. By following the steps correctly you save yourself and others a lot of work!

• Read the FAQs. Print them out and take 2 -3 days to understand what it is you are about to do…..you wouldn’t just jump into a lake for a swim unless you knew how to swim, would you?? http://www.consumeractiongroup.c o.uk/forum/faq.php

• Understand the process. Don’t try to start halfway through, it won’t work. Its time consuming but at least you won’t be making any mistakes in getting your money back!
• Read through the relevant forum for your bank claim. Here you will find others journeys, celebrations and queries, most of which will help you in your claim.
• Start a thread in your forum, and keep it in your favourites so you can find it easier. Call it your name v bank name for example. Here you can log your own journey, ask questions and most of all offer another thread for a newer person to read (see you are giving something back already)
• It’s your claim; you have to do the work! Its not easy, can be very frustrating and at times you will feel like throwing the towel and letting them get away. But keep on going, seek advice from mods / site helpers/ or anyone else who is on the forum, great place for this is the chat room, try it out! http://www.consumeractiongroup.c o.uk/forum/chat/flashchat.php

As you have already made some rpogress in your journey then the real advice is to sit tight. The fact that you have re issued the claim wont make a difference. what you wil find is that Halifax wil prb defend the claim and you will then be issued with allocation questionaire to complete, but dont worry the majority of claims go to this stage. They wont go to court, you will get your money in full, its just a waiting game!

Good luck