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johnk81

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  1. Hello I have recently had my overdraft with Halifax stopped due to being unable to make the payments of interest properly. It was a 1000 pound overdraft which was used and when in work was paid regularly , at the time I lost my job and the account had gone over the agreed limit and for a long period maybe 8 to 10 months. Since this got out of hand by just paying the interest to get it to 999 pounds to cover it they have frozen the account STOPPED all interest and have told me to pay back what I can when I can , as long as I am paying SOMETHING each month , even if its just 5 pound????? Are they doing this to stop me claiming back additional charges? and making me feel better about it? Thanks JK
  2. Thanks for the reply I supposed I will just live with them ripping me off
  3. Hello everyone some help with WF needed The reason I am asking is that I want to get my full breakdown of my loan from start to now. I took the loan out in 2001 for the sum of 1000 pounds , then stupidly took a second out for another 1000 pounds , its now 7 years later and after being told my PPi was refunded (fractionally) my new statement for Sept 08 - Dec 08 still states that my credit lent was 3505.60 not 2000 , showing that they have not taken off the PPi! I need to get all the info on how to see every last morsel of info on my account and do not know where to start. PLEASE PLEASE PLEASE any information for me to get the wheels turning please do tell.
  4. Hello everyone my last post after re reading was very vague. The reason I am asking if anyone has had success with WF is that I want to get my full breakdown of my loan from start to now. I took the loan out in 2001 for the sum of 1000 pounds , then stupidly took a second out for another 1000 pounds , its now 7 years later and after being told my PPi was refunded (fractionally) my new statement for Sept 08 - Dec 08 still states that my credit lent was 3505.60 not 2000 , showing that they have not taken off the PPi! I need to get all the info on how to see every last morsel of info on my account and do not know where to start. PLEASE PLEASE PLEASE any information for me to get the wheels turning please do tell.
  5. Hello all I have good news ! HSBC wrote to me after doing my mcol a week ago and have offered me 2002.02 pound in relation to 2250 pounds in my claim I am accepting this as it is near enough for me all i have to do is sign the letter send it back and in 7 days justice has been done (well a percentage anyway lol) all I want to do now is thank EVERYONE who has given me help and advice on this I WILL be making a donation to the site as a thankyou for all that this site has done for me ! Im well chuffed and thanks again to all of you who have helped many many thanks john.
  6. doing the copies in the morning and thats all i can do for now?
  7. ive done my mcol it was acknowledged on the 5th of april then they have 28 days to file a defence is it from that date? and if they dont defend do i win by default?
  8. So what is the concensus on this? should I re - file and cancel my outstanding claim or should I just continue regardless? Its Sunday so I could do this online and email them and ring tomorrow but the amount of charges and slight date discrepancy shouldnt play too much of a role in my claim I beleive. cheers again (sorry) john.
  9. pheeew! lol thanks all its getting alot easier to graspo now!
  10. oh crap just proof read my particulars i made a mistake it was 79 charges not 81 which i put and ive had the account from sept 2000 not apr 01 which i also put will this affect my claim???????
  11. cheers! my mcol has now been sent ive been reading a few threads and ive seen an additional 100 pound charge for aq is this right? but to recap prelim letter sent nothing back lba sent got glossy pamphlet now just this minute done mcol ..... what will i do next getting very nervous ..... do i wait to see if hsbc defend? and then go to aq , im sorry for asking and recapping but i want to make sure im doing this right as im getting muddled with the threads being different lol
  12. hello all its been a while but ive just been paid , so now im on to mcol i have issues though mcol is posing me a problem in regards to letting me submit i dont know why it comes up with an error message even though its with the specified line and text limit i got the template from here and now im on mcol permitting it lets me submit at some point what are the particulars of what to do next when i submit do i get sent the aq then i fill that in with ny schedule of charges to the court and colin? is this my next step (im just checking) and am i near a finish line work wise cheers john! nettyg i need your help !
  13. ok so as of this point prelim sent , got glossy pamphlet and a letter telling me they are investigating , then sent lba which expires on weds 21st been on money claim online and done my particulars ready to use i will need to re do my spreadsheet to accomodate for more time of the charges and interest , so if i dont get anything from colin do i then fill out mcol and when i get paid i submit? so if poss i will look for the procedure now as to what i need to do after that but is there a guide for mcol or is it self explanatory? and ive heard of aq? when will that cross my path? p.s if youve got any humour for me let me know this is getting a bit daunting now cheers john.
  14. good i havent filed mcol yet so its only colin langdale who knows of my oversight thus far its 58 pound and can i setup mcol all ready to go then pay end of the month? and now i know of this oversight should i send a revised schedule to colin? cheers john. p.s lateralus legend cheers!
  15. Also my catchment period of 6 years has changed so ive lost a 27.50 charge for may 2001 and there has been 2 corrections overlooked so my total has dropped slightly will this affect my claim? or is it someting to amend at a later date? please help cheers john.
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