Hi overflow, Yeah that's true. I'll start getting it prepared, just short of £500.00 I'm going to try to reclaim. The charges are beyond a joke. I know it can be said I should make sure the accounts in credit but it's always happened on days when I've just fell short. My money management is better now as such but just coming out of a really hard cash period. Thanks very much for your advice EM

Hi everyone, Since I successfuly claimed around this time last year I have been charged several more times off Halifax. Do I simply follow the same procedure as before? Also I am a bit confused as I was under the impression all claims had been put on hold whilst they are challenged in a high court? Thanks for your help, Emma

Hi Tiglet, I'll be following this one closely... I also received a refund of charges last year and have gone on to be charged several times since. On the 29th I transferred my wage into the account at 7:45 and later received an online letter stating there had been two failed DD that day so have now incurred a £70 charge. ABSOLUTELY RIDICULOUS!

No sorry 28 days since I issued the claim. Judgement was filed on the 14th. The court has not advised how long they have to make payment but I asked for it immediately. Someone has just advised me to fax it to them and then give the till firday, If nothing happens then file a warrant on friday. Its hard to know what to do for the best. All I know is I have £17 in my account to last me untill next friday, no petrol or food in the house so am desperate!!

Hi Glenn, i think it was a reply in IMB's thread where someone said if the halifax had taken us to court do we think they would write letter/make phone calls to us regarding payment or just go for the warrant? I think theyd go for the warrant. I suppose theyve had over 28 days so to me they're just stalling. What do you think? Cheers

I haven't forwarded the judgement to them as moneyclaim online do that anyway. I'm going to ring the legal department in the next half hour and ask when they are going to pay the money into my account. If I do not get a good enough answer I will file the warrant, unless that costs more money, in which cas I can't afford to!

Hi IMB, Just read your post, thanks, will go and read your thread in a moment. I asked for immediate payment however dont remember having options of where I wanted money paying too... Might ring and check with moneyclaim. Is it ok for me to ring the legal department etc and chase the money up? Thanks

Hi everyone Can anyone help with the last questions I posted? The judgement was issued on the 14th and I still haven't had any movement! Thanks

Looks like were in the same position then!

Hey everyone, I have a thread Yurp_82 vs Halifax and posted for some advice in that yesterday. Thought I'd do a new post as its not attracted any attention lol I entered a judgement against the Halifax as they have failed to submit any defence etc after 28 days. My first question is how long do I wait before I request a warrant? I have asked for immediate payment. The judgement was issued yesterday. Is it worth me ringing the Halifax and asking what the situation is/ when I will get my money? My second question is do I have any choice into which account the money gets paid into or for example if I can request a cheque? I do not want it paying into my Halifax account as it has a large overdraft. There is no option for you to request how you want to receive the money. I am in a financial crisis at the moment so I am really desperate for the money thus why I am asking so many questions! Thanks,

Hi Victimnomore and anyone else who may be reading! I have found out to day that the judgement has been issued. Is it a case of just sit and wait now, would it be worth me phoning Halifax to see what is happening? They still havent entered any form of defence etc even though they are out of time now anyway. How long is it advisable to wait until I request a warrant? My other question is do I have any say as to where the money gets paid into, or how, for example requesting a cheque? It seems unfair that they just pay it into the account they see fit. I have two current accounts with Halifax, one that has a £1500 overdraft on it (maxed out) obviously if they pay it into this then I'll loose a lot of the money so to speak. I have opened a parachute account with Alliance and Leicster. Im on edge lol

Hiya Victimnomore, Unfortunately no it doesn't, only the amount including interest! Maybe I will jsut leave it, it is going to be less than £20 isnt it by my last calculations. Then at least I can get it done today. Ive just realised ive put on my claim form I would charge 8% per day from the 5/01/07 ooops does this matter!?

Ok so 2377.19 (charges plus interest) x 0.00022 = 0.5229818 x 39 (days) = 20.3962902 £20.40 is the amount of interest I am charging then, is this correct? I would like to get the judgement entered today, I have made it out to the Trinity Road Address. Thanks Barbershop you are a star

Hi Barbershop, Thank you for your speedy reply! I am a little confused...it doesn't take much lol I have itemised yes and was using the template spreadsheet off here which I believe is calculated at 8%. I also advised on my claim that this is the amount Iw ould be charging daily until settled. So my question is where does the 0.00022 come into it? So sorry if I'm being really dumb! Cheers

Hello Again Well since I last posted on here the following has happened. I file my claim which was acknowledged by Halifax on the final day possible. Yesterday was their last day to submit a defence etc and they haven't done anything. I have now been advised that I can enter a judgement by default. I started this process, then when I came to the section which asks for interest since I submitted claim I was stumped! I cant find my spreadsheets on the computer, is thee anyway of working this out using the amount claimed and the amount of days since claim?? £2377.19 without court fees £2497.19 with court fees 05/01/2007 is where I have calculated and claimed interest to so far. A quick response from anyone would be fantastic! Thanks,

Thanks Hillards Im making my claim online...How can I provide them with a copy of the spreadsheet? I have entred in the amounts calculated using this method. And you are saying I should also write to HAlifax again stating I have made claim and give them a copy too? Sorry for being a pain!

Hi everyone, Merry Christmas! Ok following the issue of my LBA I received a slightly higher offer on ONE of my accounts, no reply at all on my other account. There was also no mention of my offer of partial acceptance. I have been going through a break up at home, and what with money being tight have not issued a moneyclaim yet. I am now in a position to do this. I have studied the libraries, FAQ's etc and feel reasonably confident. My problem is with the interest...maths never been my strong point lol. I am going to use the 8% spreadsheet. I dont however understand exactly how the interest is incureed or calculated. Is it on a daily basis from the day I make the claim? Or is it interest based from the first day the charges were takem? Im sorry if this seems like a really dumb question! Thanks for your help Yurp

Ive received an offer. I havent yet got round to posting my LBA and I have now received offers ammounting to approx £900 to be accepted as full and final settlement. Obviously I am going to say I would accept this as partial payment (is that how I word it?). Can I add this into the LBA letter or does it need to be seperate? I'm going to post it tomorrow. Its becoming more real now!

Thank you for your reply. I hope to get this done and sent off today!

15 days have now passed since I sent the preliminary approach for payment letter. During this time I have received a letter from a Jayne Dungan (Executuve Office)to thank me from Andy Hornby (Chief Executive who i'd wrote to) saying that I will receive a response from a customer relations manager within core business. A number is included tocall them if needed. Shes enclosed a complaints leaflet to show how they'll handle it. My questions are: 1) I did not respond to this letter, in writing or by phone is this right? 2) When I send the letter before action do I acknowledge the receit of an unsatisfactory letter? 3) I have since added 3 charges from a statement I have just received as its just turned up in the post last week. I did inform them I would be doing this if nescessary "I have yet to take into account charges, if any, relating to the month of January 2005 (statement pages 46, 47, 48, 49,50 of 132) as I am yet to receive this statement" Is this Ok? Thanks your help is appreciated!

I have today received statements for one of 3 accounts (two bank, one credit card) that I requested on the 23rd June. I have a few queries. 1) They waited untill approx the 7th July before attempting to take the £5 charge when there was then insufficient funds in the account. They eventually took it on the 12th. Considering they had had a couple of weeks to take the payment before then, does my 40 day notice period start when I sent the letter or when they took the payment? 2) I received a letter saying " The majority of transactions on your account are automated and all application of charges is automated. The only manual intervention around charges would be when a refund is made. Therefore if you require any further information please contact us" So they are admitting that there has been no manual intervention... But what on earth are they on about? 3) I am now being told by customer services tonight that I need to pay £5 per account, when I explained that I have been told by at least 3 people this is not the case she said this was not the information she had. What is right? They are both accounts with Halifax, though I sent the requests in separate letters. I have authorised them to take £5 per account anyway as that was my initial understanding. 4) Do I send my prelimenary request for payment now, or do I wait to receive the other statements and send them all together? Im also missing a month from the statemnts Ive received today. I have posted some of these queries in my thread Yurp Vs Halifax but have not received any replies. Hope someone can help! Thanks,

They have finally taken the charge out of my account after I have received another letter today saying they couldnt take the charges due to lack of funds dated the 12th July, which I had already clarifed (see last post.) Spoke to Halifax tonight who have told me that " Let me see, you requested the statements today, so they'll take three days to arrive" When I politely told him that I had actually sent the request weeks ago he said "Oh... Well its only been processed today". It would appear that the time I had no money in my account is when they attempted to take the charge which I find convenient though it may just be a coincidence. Wheres the nearest wall so I can bang my head against it lol Can anyone answer this, if they have only processed it today and they say its because I had no funds then does the fourty day period still start approx 3 days after I posted the letter 1st class? Ive checked the FAQ but this doesnt seem to cover what Im asking? This is considering they had had a 3 week period in which to take the charge. Thanks,

Right, update time... I have today recieved two letters, one telling me I had insufficient funds to take the £5 charge and that I am to let them know when I have sufficient funds (I am surprised they didnt take it anyway and charge me:lol: ). The other letter (both sent on the same days 7/7/06 so they could have told me all this on the phone on the 11th) saying there would be a £5 charge debited from my account which I need to give permission for, or id need to send a cheque for my statements. No action will be taken untill we receive this. I gave permission in my letter for them to debit the £5! The interesting bit was this I thought, and I quote " The majority of transactions on your account are automated and all application of charges is automated. The only manual intervention around charges would be when a refund is made. Therefore if you require any further information please contact us" So they are admitting that there has been no manual intervention... But what on earth are they on about ? As I only asked for my two bank account statements I have now asked on the phone for them to also send my credit card statements as this would be covered by the £5 fee. He looked into this and has said that they currently provide these statements free of charge but this will change in September. Ive been told to expect all my statements midweek.

Bugger, wish I'd known that, the £10 bit on the template DPA letter seemed a lot so when I was told no it would be £5 per account I thought this was a bonus! Anyway I'm going to update with more info in my thread now, it appears following conversation with customer services Im ok anyway! Cheers for the address Thanks,

I was told £5 per account also and paid this for my two bank accounts... I now want to claim for my Halifax credit card, so this is another £5 then is that right? Also does anyone know the address to send the DPA letter to for the credit card? Good luck everyone!