Handed in the N1 today Kind of excited what happens now??

Hi Sea-sidelady I have been reading your thread totally crazy still no response? I think ill give them a call before I file tomorrow. Would rather do N1 as think we are exempt from fee anyone know which form I need to fill in for this?

Thanks for advice barbershop Do you think its worth me ringing the court to find out if they have a backlog Mind you have waited this long can wait a while longer

Hi am going to file claim tomorrow. Have just realised may be exempt from fee as receive child tax credit. Is there any disadvantages to filing through N1 at my local court against using MCOL?? What from do I need for laiming exempt fee? Thanks for help Cant wait to file claim

Thanks gotta wait till friday so I can pay the court fee but looking forward to the next step. Seems like there is no set way fro halifax to deal with this a some people have offers from first letter some from LBA and others nothing until MCOL Ill keep the thread updated as I progress thanks for the help crash

Thanks Crash Feeling a little more confident Gonna submit claim today/tomorrow Anyone submitted a claim against halifax had to wait long for an offer?

Hi I have waited the 14 days even though my LBA stated 7. So this should be ok? Can i progress with my MCOL? Halifax are sneaky they sent a reply to original letter that would reply within 4 weeks then after 4 weeks another letter stating sorry you have not had a responce we are still investigating and you will hear from us no later than match 21st. IS this OK for the MOCL or do I need to enter more info? Thanks for your help very much appreciated 1. The Claimant has an account ******** with the Defendant, opened Nov 1998 2. Since 30/03/02 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1581; (b) Interest per S.69 County Courts Act 1984 of 8% - £240.53 continuing at 8% until judgment or settlement at a daily rate of £0.40; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

Hi just found this site in the last week but had already started the process through information from a friend. Now am a bit worried may have done something wrong. Firstly rang halifax around the 5th Jan 07 for 6 years statements. Said would cost 5 agreed and received the statement pretty quick. Sent first letter on 23rd of January. Received standard reply saying will respond no later than 4 weeks. Left the full 14 days the sent a LBA This is what the template I used was like though and only gave 7 days is this OK or have I made a mistake? Im just about to start MCOL but am worried I may have done something wrong after finding this excellent site. HALIFAX 78/80 QUEENSMEAD FARNBOROUGH GU14 7SP Dear Sir or Madam, Re. Account number: ******** Sort Code ****** I refer to default charges applied to my account amounting £1581.00, which I have requested you pay back. I wrote to you on 23rd January 2007, making the original request for a payment in settlement of my claim. As I have not received a satisfactory response, I am writing to inform you I intend to claim the full amount claimed together with interest of £232.77 up to the date of judgment and court fees in the proceedings through the county court. This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the Aldershot and Farnham County court will rule in my favour. I have attached a full schedule of the charges with this document. I look forward for a full response to this letter within seven days, otherwise I will commence court proceedings without further warning to reclaim my money. Yours faithfully, Any hep would be appreciated