Jump to content

thewifeandI

Registered Users

Change your profile picture
  • Content Count

    2,328
  • Joined

  • Last visited

Everything posted by thewifeandI

  1. Pretty standard response - just carry on with your timetable.
  2. Changes are coming to the 08xx number ranges - see the OFCOM report.
  3. It worked for me one one account, but not on the second - and they were both raised at the same time. I assume that whoever dealt with the first wasn't paying enough attention, and the second one was dealt with by someone else (who was )!
  4. PM the details to Dave or Bankfodder to get it listed in the Litigation section. Expect them to defend, but then pay up in 2 - 4 weeks (approx).
  5. Not quite, Dave - this is true with s69 interest, but with contractual interest the interest is part of the basic claim and is used for the cost AND the track.
  6. Sorry, I wasn't meaning that the amount was small to you, but in the light of the overall claim. I'm just thinking about how a judge might see it.
  7. There's no real risk of going over the £5K limit, especially as helps to get it all back in one go, rather than reducing the amount to fit or having to claim more than once. The risk is that IF it goes to court and IF you lose, it COULD cost UP TO £750 at the judge's discretion. Because the bank will have to provide evidence of their true costs they are even less likely to want to appear in court, and are far more likely to settle.
  8. Hi - you've not been forgotten! You can try putting this in writing as a request for repayment, but I don't know how they will respond. I've not seen anyone asking for a split payment before. By the way, it's not a good idea to post your CC number, I suggest you edit it out. The PoC looks OK. Did you claim for DPA fees or postage costs?
  9. Well done - start getting ready for the next phase by reading how others have dealt with them and eventually got their money back.
  10. You have to give a good cause for your rejection if it comes to court, especially where the amount in dispute is so small.
  11. No - this is definitely wrong! You must contact MCOL and ask to alter the claim - it could cost you £35 and it isn't claimable back from Halifax. Have a look at the claim you entered online to see what you filled in - if that is correct they probably won't charge.
  12. There's two distinct lots of interest applicable here and you need to get them straight in your mind first. When you had a charge deducted from your account this lowered your bank balance. Over time the accumulated total of these charges may have driven your account into overdraft, and maybe past your limit. The bank usually charges you interest on the overdraft balance. Some of the interest paid could be due to genuine use of your overdraft, but over time the accumulation of charges will mean that the proportion that is due to charges will be greater, even up to the whole amount. There
  13. I'm not certain as I used the form N1 and took it to the local court. It is possible to amend a claim before 10:00 (I think) on the following working day after filing. You might need to confirm this.
  14. Don't include Court Costs in the Value section - this is listed elsewhere on the form. Do put DPA fee (if paid) and postage costs (if you have receipts for proof if required).
  15. Don't put court costs, these are listed separately at the bottom. You can add DPA fee if paid and registered post costs as well.
  16. There's nothing wrong with initiating the claim based on the currently available evidence - I did this and then updated at LBA and again at Moneyclaim with new charges added since the beginning. Have you sent a prelim yet? You don't want to send the LBA if you haven't. You need to keep the the prelim timetable and send the LBA 14 days later, follwed by Moneyclaim 14 days after that.
  17. Just carry on with your timetable as set out in your prelim letter - don't let them deter you!
  18. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  19. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Most of what you need to know is in the FAQs. It's worth spending a few days just reading up o
  20. Hi NJC - now is probably a good time to start a thread of your own in the LTSB forum (if you haven't already). You'll get tons of help and advice from fellow claimants, including those who have already won their money back!
  21. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  22. It sounds like the first action is to inform them that the balance is in dispute to stop any further action - send it recorded or hand it in at the branch and get a receipt. Then DPA them for the list of charges with dates deducted and the authority under which they were charged and take it from there.
  23. If that's what the conditions say then they've got no right to force you to take a new loan.
  24. Excellent news - well done! Have you filled in the survey yet? I'll ask for your thread title to be changed.
×
×
  • Create New...