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thewifeandI

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Everything posted by thewifeandI

  1. 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! Apologies for the slowness of the site today - recent publicity has made us very popular!
  2. OK - that makes more sense, although still longer than it really needs to be.
  3. Was her account with Halifax and if so was it at the same branch?
  4. Not in the spreadsheet, but in your claim as an expense.
  5. She would be better off talking to her IVA people before doing anything - they need to know what is going on as the bank may decide to break any arrangement or take other action if she goes ahead. Explain the situation and get their OK before taking any action.
  6. Sounds like you might get your claim settled fairly quickly and without the usual avoidance and stalling tactics. Good for you!
  7. You would need to claim at an English/Welsh court and use the Halifax (Trinity Road) address for the bank, but I can't see it being a problem. You also get the larger limit on small claims too. Bear in mind that if required to attend court you would have to travel, so make sure it's practical before going ahead!
  8. Just take your time and read up as much as you can. The site is crammed with goodness! Well done for taking the plunge!
  9. I would send a copy to the bank and one to the court. Make sure you include your claim number (and account number with the bank copy).
  10. Hi - you need to give their customer services a quick call. If they fob you off with "letter not received" excuses, ask how they cashed your cheque! Try not to get into discussion about the reason for the request. Remind them of when the 40 days expires. Start a thread in the Halifax forum of your own for best results. Post questions and progress in the one single thread so that others can follow what you are doing and offer advice.
  11. The interest in the prelim is the interest that you paid on charges (from the advanced sheet). It can also (optionally) include contractual interest on the amounts claimed. It shouldn't include s69 interest as this is (optionally) awarded by the judge if it gets to Moneyclaim.
  12. This will work out your court (s69, 8%) interest for you. You don't do anything with this at the moment. You do have the option of claiming interest on your missing money at contractual rates, in which case you look up the rate that the bank charges you for unauthorised overdrafts and use that as the rate in place of the 8%. In this case you have to include it in the value of your claim from the beginning instead of waiting until Moneyclaim. Sorry for the multiple posting - I'm doing this at work and have to keep stopping to answer the phone!
  13. You enter your charges in order down the left side of the sheet, and all the required information for the interest debited down the right side, in order with no gaps (it doesn't have to line up with the charges for a bank account - the credit card sheet is different).
  14. You use the complex sheet to work out the charges and the interest on charges. I'll post a bit more soon.
  15. Just stick to your timetable and ignore theirs. Read up as much as you can in the meantime. Start your own thread in the RBS forum for the best advice and support.
  16. I wouldn't worry at all - they don't always get round to replying to everyone. Just stick with your timetable - the arrival of court papers will wake them up!
  17. The best bit of advice now is to read up on the FAQs and the Statutes so that you are prepared IF it gets to court - don't just assume that it won't, there's always that slim chance, so be ready!
  18. Compare it with the new template at the top of the Templates Library (No.5).
  19. Not at all - read up in the Barclays forum for how to deal with this. Start your own thread in there as well so fellow claimants can offer you advice and support.
  20. The other thing to remember is that you don't have to agree to the clause - you can strike it out before signing the reply, or even ask them to pay you for agreeing to the clause (say 50% of the claim) - in which case they may decide to withdraw the clause themselves.
  21. The six years should count from when you make the first approach.
  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!
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