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About TONY2215

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Could someone advise me please. I have already claimed back charges that were applied to my account. i did file the court paper work but the Halifax paid me in full and the case never went any further. Since then i have been using the same account as normal and i have been wacked with even more charges. I started the process again of claiming the charges back by sending the preliminary letter and this is the reply i got. Thank you for your recent letter. This account has already been through the county court process and you agreed to settle, in full and final resolution to this co
  3. I purchased a car on hp The finance company was Capital bank plc part of the Hbos group. The problem i am having is capital bank are trying to take more money every month than what it states on my credit agreement. The first payment they tried to take by DD bounced due to them taking more than shown on the agreement hence i got a bank charge. I phoned capital bank and was told they couldnt find my agreemnet they would ring me. Never happend..... I wrote 3 letters(recorded delivery) sending copys of the agreement and my bank charge and asking for the charge to be refunded. I got no reply at all
  4. Hi Nellie, I too have had the same sort of problems with these people LogBook Loans(Tossers) I was in debt etc etc and got a loan from them and made the first few payments untill i was involved in a major car crash. My car was a right off as they had to cut the roof off to get me out. Logbook loans wound me up so much i now refuse to pay them anything. The last i heard from them they told me balliffs would be sent out my reply to them was the loan was secured on the vehicle (which is now the size of a micro machine) YOU CAN HAVE THE CAR!!! Ive heard nothing now for weeks. Im fairly sure t
  5. ok..... As i said above issued my claim on 9th of June The Halifax have untill tommorow the 23rd of June to reply as of yet they have not?..... Now just a moment ago to depress myself i thought i would check the balance of my account online. WOW there it was £2108.14 in my account. Im in absolute shock!!!!! is this money mine now im thinking or is this a trick and they will try to take it back tommorow??? LOL Thank you all so very much for your help here, if this forum had not been here i never could of done this. Just one last thing to anybody else claiming back thes
  6. My claim was served on the 9th June Claim No: 6HA01175 i now have a couple more questions. The bank has untill the 23rd of June to reply as of yet they have not. Why have they not replied? if they dont reply i can put in a request for judgemnet as i understand things but does this mean the court has the power to make them pay me my money back? Whilst all this has been going on ive been hit with more charges can i request to the court to add these charges to my ongoing claim or do i have to start the whole procedure over again? Thank you for your help in advance.
  7. I have followed all the steps to claiming back my charges and tommorow will be filling out the court paperwork (05.06.2006) I would just like to ask a couple of questions. Seeing as we have just had a bank holiday do i have to give the bank that extra day before i submit my claim. Also when filling out the money claim form, i assume i can use the template for this from the library do i have to calculate the interest and show it on the form and add it to the total or leave it? i cant see anything on the template regarding interest. I know that Halifax addresses have been posted but can i addr
  8. Hello, I have a couple of questions i hope you peps can help me with, I have read the faq's but cant seem to find the answers im looking for. Firstly i sent my preliminary letter requesting my charges back (£1801.00) on the 08.05.2006 I handed this letter into my local branch as i did when i requested my statements a few weeks back and got reciepts. I have since had a letter offering me £280.00 as a good will gesture? which i refused and then i had a phone call offering me £747.00 as full and final payment which i refused also. I was then told that if i was taking further action
  9. Cheers mate, Firstly yes my credit is very poor i dont think i could get credit for a mars bar! :] Also i have just been going through some of the letters i have had from the Halifax and i found this one below (this is word for word) Thank you for your letter dated 16/03/2006 requesting information on your account for the last 6 years. Copies of bank statements can be provided with this information on, there is a £5 charge for this service. Please can you contact us to confirm that you wish for us to proceed with this request, and that you are willing to pay this fee.
  10. Hi there, I am looking for some advice please on a couple of issues but i will first let you know how far my mission to reclaim my charges is going. I got my bank statements on the 16th March 2006. Sent my first request for repayment of charges (£1801.00) on 8th May 2006 Got letter from Halifax on 16th March 2006 offering me £280.00 as full and final payment. Phoned the call center to discuss and refuse the offer and was told they could up the offer to £747.00 and that would be the final offer for a full and final settlement. Again i refused. The questions i now would
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