Hello All,

I sent an initial letter requesting repayment of the unlawful charges to my branch on 20th March and recieved a reply from the bank manger on 24th March. He wrote that he had escalated my complaint to customer relations department in Leeds and to the attention of D.P. Then, on 30th March, another letter came from a senior customer relations manager in Leeds saying a customer relations manger will look into it within 4 weeks. The Halifax's head office is in West Yorkshire. Should I now send my letter before action there or to my branch or the Leeds office? They have had the inital 14 days to concede.

This site is fantastic! Thank-you!!

It seems that your branch are pushing the letters on to where they should go, so it would probably be as well to send it to the branch.

Thanks Alan, I sent the letter before action off today. Halifax have 14 days to pay up or else!

I'm really confused about this. I have not been charged interest on charges or unauthorised overdraft. Do I still apply the 8% to all charges regardless? Also, I have tried the online calculator and it wasn't responding!?

Halifax Cashcard: Claim £700 approx.

Request for refund: 20th March 06

Reply: 24th March

LBA: 3rd April

Reply & offer: 10th April-£156

Exceptance and LBA for the rest: 20th April

Been away and ill but now need to make a claim through the court.....

I can answer the first question, but the second I have no idea about.

The 8% is allowed under the County Court Act, as reparation for you being deprived of your money for that period. It does not matter whether the bank has charged interest or not. Although, if they have, you claim 8% on that as well!

Great news and thank-you Alan!

Dear All, I have tried the online calculator and it doesn't respond. I've tried to open the spreadsheet posted by Dave but all that comes up is aload of programming instructions and the 2 posted by Vampiress I really cannot make sense of! Is there a simple calculating programme for this purpose. please guide me, somebody!

Do you have Excel installed on your computer?

If you don't have Excel, AND you are not using a Mac, PM me...

Yes I have a mac and even I a mod cant get it to work, had to use parners shabby catflap...I mean laptop

I do have Excel on my mac. I have accessed the calculator on my PC and this time it worked!?

Thanks for the tips! I'm going to file a claim now and I promise I'll donate on my payout!

While I was queing at the court to file my claim against Halifax, the man next to me had recently done the same to his bank and won! Very encouraging!

I have received no reply to the Notice of Issue. I have asked the court to enter jugement for an amount to be decided by the court. A hearing will be arranged to determin the amount the Halifax should pay. This was my only option, barr giving up.

How should I prepare for this?

CC

Please can someone advise me on what happens when a hearing is arranged by the court to determin what the Halifax should pay me. Will the bank be there to challange me?

You need to read up on the FAQs to make sure you understand what the basis of your claim is just in case. What will probably happen is that you file for default judgement, they then ask for set-aside saying that they had their fingers crossed behind their backs so the judgement doesn't count. They will file to defend and then pay up. Timespan - unknown!

I often wonder if in there overworked legal section they miss some claims or play for time to be able to cope?

You could well be right nigel1804, either way! Although I have had promt responses on all communications previous to this. In the mean time I'll prepare my case.

Thank-you both, I mean, you three!

They didn't turn up to court for me yesterday!

What was the judgement and did you have to plead your case?

The judge let me plead my case and awarded 50% of the s69 interest.

Hello! I'm back again...kids summer hols, half term etc... This is taking ages to get sorted.

On 21st September I recieved a letter from the court saying my Request for Judgement had been refered to the District Judge for directions. I waited and waited for an outcome. On 18th October, I rang the court to find out what was taking soooooo long. Can you belive it?! they had sent my reply and paper work to somebody else! A prompt letter arrived the next day informing me that: The District judge replied to your request for judgement as follows: " This is a claim for a specified amount - the claimant must lodge correct form of request duly completed."

Now, I was sure that due to the ongoing accumulating interest, up untill the day of judgment, that the amount I was claiming was not fixed. Anyway, I have now completed another Notice of issue (specified amount) and will deliver it to the court tomorrow. I have asked for an immediate payment from the Halifax as they have not filed an admission or defence to my claim or an application to contest the court's jurisdiction.

My advice to everyone is to do this online through moneyclaim. I do hope this is sorted before christmas.

Chow for now.

Request for refund: 20th March 06

Reply: 24th March

LBA: 3rd April

Reply & offer: 10th April-£156

Exceptance and LBA for the rest: 20th April

Been away and ill but now need to make a claim through the court.....

Issued Claim through court: 8th August

Halifax did not reply to claim.

I make a Request for Judgement: end of August

Court replies, Judgement has been refered to District Judge for directions: 21st Sept.

Court letter, I need to request a specifed amount for the judgement: 19th Oct.

Judgment made by court: Halifax to pay all charges and interest by 31st October.

Dear All,

I have recieved from the court a 'Judgment for Claimant (in default)'. This is because the Halifax did not reply to my claim. They have been ordered to pay ALL MY CHARGES AND INTEREST!!!!!! Yipppeeee!!! A total of £918.74 by the 31st October. They have not done so. There is a warning on the bottom of this judgment saying 'If you ignore this order your goods may be removed and sold, or other enforcement proceedings may be taken against you. If this happens further costs will be added..' What should I do now?

Regards,

Sorry I don't know the answer to this, but can i ask a quick question?

Was your claim in Scotland or England?

Also, how long did the judge give the bank to pay up?

Thanks!

Phone the Halifax legal services department (number in contact info section) and warn them that a failure to pay TODAY (whatever day that is) will result in you instructing the Court bailiffs to seize goods to the value.

Do not give them any more time to pay.

Please can someone help me!!??

I have still not received my payback from the Halifax. They were meant to pay by 31st Oct. Should I ring them and if so who do I speak to? Or is there another way to make them pay?

Request for refund: 20th March 06

Reply: 24th March

LBA: 3rd April

Reply & offer: 10th April-£156

Exceptance and LBA for the rest: 20th April

Been away and ill but now need to make a claim through the court.....

Issued Claim through court: 8th August

Halifax did not reply to claim.

I make a Request for Judgement: end of August

Court replies, Judgement has been refered to District Judge for directions: 21st Sept.

Court letter, I need to request a specifed amount for the judgement: 19th Oct.

Judgment made by court: Halifax to pay all charges and interest by 31st October.

I would do just what jonni has advised. Phone halifax legal department. If they do not pay up, phone the court, give them your reference number and tell them that the bank has still not paid up. They will be able to help you further.