Jump to content

thewifeandI

Registered Users

Change your profile picture
  • Content Count

    2,328
  • Joined

  • Last visited

Everything posted by thewifeandI

  1. 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
  2. I think it would be worth adding something about the 'service charges' being disguised penalties - have a search on the site for suitable wording.
  3. It really does make you wonder - they've had months now to get their staff and systems up and running to cope with the situation and they still don't know their a**e from their elbow! :o
  4. You need to inform them that the balance is in dispute due to unlawfully excessive penalty charges. This will stop them doing anything further until the dispute is resolved. Put it in writing, phone first if you want to.
  5. Good luck! Keep us up to date with your progress.
  6. Once you have the full settlement paid to you you must inform the court that they have settled. If you filed via Moneyclaim you can do this online I think (not used it myself).
  7. When you enter the interest charged you must start at the top with the oldest amount and then fill in downwards without leaving any gaps - there's no need to align the interest with the charges on the left. If your interest is debited a month in arrears ('Interest debited as notified'), enter the balance from the previous month, not the date the interest comes out. If it says 'Interest debited', then use the balance from that month. If the balance at the date used for the interest (as above) is in credit, use the lowest balance (max overdrawn) in the preceding 30 days.
  8. Well done - excellent news! Have you filled in the survey yet? I'll ask for your thread name to be changed.
  9. As long as they manage to provide the details before the deadline it's OK, but you might get a technical printout instead of a friendly statement type format. There's a sticky at the top of this forum that explains the codes (Investor's Report).
  10. Stick with it and keep to YOUR timetable, not theirs.
  11. Well done - try and keep to one thread to make it easier for the rest of us to follow your progress.
  12. Well done - just a case of waiting now, but keep reading in the meantime.
  13. Well done - keep with the programme (whatever that means)!
  14. Customer Relations - address in sticky at the top of this forum.
  15. 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
  16. Ignore the £12 stories - they are red herrings. It only affects credit cards and is not in itself a lawful level of charge anyway.
  17. Well done - it will be worthwhile in the end! Have a think about getting a parachute account for your benefit payments to go into and then talk to CCCS to get on a debt management plan for your unsecured debt - this will help to reduce your outgoings and avoid more charges.
  18. There's a number of things to do - get a parachute account to pay your income into to stop Halifax taking any more charges. Transfer your DDs & SOs to the new account. Talk to CCCS about a debt management plan to reduce your outgoings on unsecured debt so that you don't have to go overdrawn and therefore avoid charges. Then claim all the new charges back from Halifax.
  19. You can add in any new charges at any stage up until the court papers are raised. Include not just the charges debited already, but those notified as well.
  20. I fully understand what you are saying, but I'm uncertain of the way it would be viewed by the judge.
  21. It looks OK to me, but I'm not sure about how one would fill in the Value section, as there are three possible amounts claimed - I have a feeling that the judge won't like it. This is probably best looked at by BankFodder I think.
  22. 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!
×
×
  • Create New...