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Everything posted by HelFl

  1. Bankfodder, the value of the claim was £30,000. I am now owed the interest for the missing payments on one of the loans as well. I also have paid out over £12,000 in solicitors fees, which have got me nowhere. A dilemma, and I am not sure which way to jump at the moment!
  2. Two years ago I raised a claim against my ex husband for gambling debts that he owed me. My solicitor told me to discontinue this claim and to deal with this through the marital route. Unfortunately the marital solicitor has not worked for me and I am left still trying to recoup the money. Does anyone know whether I can reissue my original claim with the mcol? Thank you
  3. My husband used these companies to pay for his gambling addiction. I believe he has now paid it all back, but it has meant that the family has had to go without so much over the 18 months that it has taken to clear them. Fortunately he eventually took onboard the advice to contact the three companies involved and they froze his interest payments I have worked so hard to keep my credit record clear and he can wreck it in one foul swoop with stupidity. He was unable to pay the debts so he was taking out new loans weekly to clear the previous debts, plus a little bit more.
  4. Had the court papers back just before christmas to let me know that Halifax were going to defend the claim. Had to sit it out for 28 days - or so I thought!! Just after christmas I received a letter form Halifax with an offer! Not quite all - but the majority! Got all the charges and interest, court chatges and some of the 8% charges back - probably not how they looked at it - but that is how I made my decision!! I have accepted - and class that as a WIN!!! Money was in my account the day after I faxed acceptance!!! Thanks to everyone - donation on it's way!! HAPPY NEW YE
  5. Can someone help please? I have sent the letter with the spreadsheet of charges to Lloyds. I have just received a 'sod off' letter from them. What is the next stage? Do I now raise a claim or do I need to write to Lloyds telling them that I am going to do this? Thank you Helen
  6. I received the letter from the court informing me that the claim was been issued on 11th Dec and to take 16th as the date. Halifax are to defend by 30th! Just gotta wait now!!!
  7. I've just had the letter back from the court saying that the claim was sent 11th Dec and will be deemed to be served 16th Dec. Halifax have until 30th Dec to reply Just gotta sit it out over christmas now I guess!!!!
  8. Am I meant to send the courts a list of my charges?
  9. what address did you use TezViper? Do I need to send a list of the charges to the court?
  10. Have you filed the MCOL yet Shaun1912? I have just done mine - so will wait and see what happens next Helen:rolleyes:
  11. Have just filed the claim with MCOL - now I just sit and wait?!!!
  12. Thank you tonyevic - that's a great help
  13. I am in the process of completing my MCOL too and compared it with what Shaun has written. I have added: 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court instead of what Shaun has added: and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £1.47 Does it matter? I am losing it with all this legal jargon!!! Please help Helen
  14. thank you Angi I've done my claim - but not submitted it yet. Could someone have a quick look over it to check it's right - don't want to fail at this stage!!!! 1. The Claimant has two accounts xxxxxxx opened xxxxx 2001, and xxxxxxx, opened xxxxxxx 2005. 2. Since xxxxxxx 2001 and xxxxxxxx 2005 respectively the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defe
  15. I'm at the same stage as you - and think I have done the same!. I rejected the settlement offer and have now had a letter saying that they don't agree with OFT so I am now about to raise the paperwork for court I was going to do one MCOL for two accounts that I hold with Halifax but I am a little baffled how I can get all the information in within the designated characters and lines. I have decided to split to claim for each account separately. I am under the impression that you write each individual total within the claim particulars - ie charges, overdraft interest, 8% - (don't forget to inc
  16. Hi - Congratulations A D. I am just about to file the MCOL! I hope I'm not the first one Halifax intend to fight!!!!
  17. now I'm confused! sent letter to Halifax rejecting their offer of settlement. They have now replied stating that they don't agree with OFT and that I am not entitled to anything. I am now completing my MCOL and am getting a bit confused with the figures that I need to include in the total that I am requesting. Initially I thought that I would just use the charges and overdraft interest but now I wonder whether I should also include the 8% interest too, as I am claiming that and have quoted a figure. I have also quoted a daily rate figure because I have to draw the line somewhere!!! The MCOL au
  18. brilliant idea! I allegedly underpaid tax during 2001 & 2002 because they couldn't get the tax credits right. I had to repay it in my tax £1200 over the next two years. Now I hear that as they got it wrong I shouldn't have repaid it - how do I go about getting it back? I have tried the new WTC team who have pushed it to the tax office. The tax office forwarded the letter to the WTC team who forwarded it to the tax office ....................... WHat do I do now???????!!!!!!!!!!!!
  19. just a thought - I had to chase halifax several times to make sure I got the statements from both my accounts. It's as if one person can only work one account. May be worth checking that they have your request for the statements on the other bank account. I did this over the phone! Halifax have offered me a figure a lot less than what I was asking. I have declined thier offer and now they have written to tell me they aren't going to pay any of the refund. I have had a lot of bad service from Halifax so am going to keep fighting the battle. Court here I come!!!!
  20. it took me about 3 months and several phone calls to get the statements from halifax!!! They offered me less than half of the £4000 that I wanted refunded. I sent a set letter stating that I wouldn't accept their offer. I have now had a letter from them saying that they do not agree with the 'legal analysis of default fees outlined in the OFT's statement published in April' so they feel that no refund is due to me. Looks like I am going to be taking them to court - and of course the 8% interest is now going to be added.
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