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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! Keep with it, it does come back in the end!
  2. 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!
  3. Just stick with it and keep to your timetable, not theirs. It will come back to you in the end.
  4. Excellent news - well done! Don't forget the survey!
  5. they have 14 days starting from the date of serving to defend (they will) and by doing so increases the time to 28 days from serving. By then it's an Allocation Questionnaire (to set a court date) or settlement.
  6. Not seen it, but if you are worried, open a parachute account first - I did this. They are being advised not to close by the Banking Code as it would be seen as retaliatory.
  7. You can send a copy to the court and one to the bank to avoid delays later. They have 14 days to respond and if they elect to defend (they will) it extends that to 28 days.
  8. There's a specific letter to send accepting as partial - use this instead of returning their letter.
  9. You can send the final letter (LBA) two weeks after your prelim letter and include a paragraph about only accepting the offered amount as a partial settlement while you pusue the balance through the courts if necessary.
  10. You can go either as a joint claim (both accounts) or seperately depending on what suits you. If there is a name common to both accounts you can do them both in one DPA letter in that name anyway, and only one fee as well.
  11. Whilst this approach can work there's no obligation on their part to get them out within a set timescale or as a complete set covering the full date range requested. At least the DPA puts a legal requirement on them to conform.
  12. It is totally random - no way of telling. I'd be inclined to call customer services to chase it up, just don't get into discussions over the charges or the claim - keep to getting the statements before their time runs out.
  13. Stick with it - and read up as much as you can now to prepare for that small risk of it going to court.
  14. Well done - I was getting worried about a sex-change going on there at first! Have a good read of some of the success stories in this forum to see how it all works and what you might come up against. Ask if you need to, we don't (usually) bite!
  15. Use the Trinity Road address in Halifax - this is their registered office.
  16. Just keep to the timetable and they will pay up in the end!
  17. 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! My daughter started yesterday in her first year too. Good luck!
  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. I wouldn't worry too much - they must be snowed under, the poor darlings! Just keep to your timetable.
  20. 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! You can split these whichever way is convenient - do all the accounts where the is one common n
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