monkey_uk
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Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
Any advice for me guys...please?! -
Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
I should also add that when *I* refer to "CI" I mean Contractual Interest (i.e interest at a rate higher than s69's 8%, and also interest which is compoun). -
Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
Would it be worthwhile ringing them to negotiate a lower rate or interest? Would it make a difference if I enter a default against them on Saturday (or am I correct in thinking I won't be able to do this until Monday morning, or may it even be after 4pm on monday??) (they've not entered a defence)? They'd therefore be in default for the amount that is the difference between what they'ce paid me and what I claimed, so surely the rate wouldn't really matter?? -
Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
Gary (et al), going back to my Halifax BANK ACCOUNT (rather than VISA) claim ()http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/70034-monkey_uk-halifax-bank-accounts.html then, you may recall halifax have paid charges + s69 int + Court fee into my account (they've not even offered anything for the interest I paid on charges, but as I was claiming CI @ 28.8% APR, that wasn't in my PoC). Their deadline for entering a defence is 21st July 2007. What do you advise I do? My PoC stated I was claiming CI "on the basis of M&R AND unjust enrichment". What would you advise I do NOW, in light of the above? -
backdoor CapQuest CCJ for citi Card - set aside?***WON***
monkey_uk replied to deedee1310's topic in Legal Successes
well, good news in a way then! keep us posted! -
backdoor CapQuest CCJ for citi Card - set aside?***WON***
monkey_uk replied to deedee1310's topic in Legal Successes
Hi deedee, hope you're feeling a little better! How did it go today? -
Halifax unclaimed bank charges. ** WON**
monkey_uk replied to Lisa_martin's topic in Halifax and IF successes
Eating someone's parents?! Are they tasty?! Well done! -
cheers overflow, I'm just so stuck what to do. Do I send them a letter tomorrow, sent by special delivery so they get it Tuesday, giving them until the 21st to take the money out of pay the full amount, and then risk losing my claim because of CI, or equally them paying up as a commercial decision, or do I just roll over and accept that they can bully me into accepting the money? What would happen, if I rejected the money, they enter a defence on the basis of CI, and it went into a court room and I lost? Would I be able to file a claim against just for the charges and for 8% interest or would that be it, finito, can't claim nowt back?
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Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
Steven, it is for bank accounts. I've yet to hear from them about the Visa, but don't worry, what you've said about that is exactly what I'll be doing. -
Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
well in my poc I stated that I'm claiming CI "on the basis of mutuality of contract AND unjust enrichment, at bank's unauthorised borrowing rate of 28.8%". Quoted word for word from my PoC. -
Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
But what about the CI part of the claim? I'm wanting to persue this if I can find a way...! -
I've 2 claims running with Hfx, one for Visa charges, and one for charges on two bank accounts (one closed, one open). they've paid money into my account that equates to: all of the charges back, and the £120.00 court fee. They've written to me and told me that they are paying this in "within 5 days" (it was done the same day that they sent the letter to me!), and have also put in the letter that they are also crediting money of what they calculate I was charged in interest on my account as a result of charges (they actually mean they've paid the 8% interest). However, looking at this, they;ve credited for the interest: £216.53 and £104.59 Now, using Mindzai;s spreadsheet, changing the date to the 12th of July, which is when they money was credited, the 8% interest due was actually: £216.76 and £104.74. I've even backdated the sheet to 11th July, just to make sure, which would make it: £216.57 and £104.68. Now, they have until the 21st the enter a defence I believe. They are considering the claim settled. My question is, is it reasonable to leave it until the 21st, enter a default (they are unlikely to defence as they believe the figures are correct and that the only difference is the further £1342.38 in CI (28.8%) that I'm claiming. Basically, defaulting them as they've paid me less than £1.00 less than what I'm owed. Is that reasonable? One part of me says no it isn't, but the other part says that they should pay me exactly what they owe me. How likely would I then be to secure a default against them?
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Contractual Interest - Precedent - LOST
monkey_uk replied to dad's topic in Halifax Bank and Bank of Scotland
Re: http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/70034-monkey_uk-halifax-bank-accounts-3.html#post998187 I've 2 claims running with Hfx, one for Visa charges, and one for charges on two bank accounts (one closed, one open). they've paid money into my account that equates to: all of the charges back, and the £120.00 court fee. They've written to me and told me that they are paying this in "within 5 days" (it was done the same day that they sent the letter to me!), and have also put in the letter that they are also crediting money of what they calculate I was charged in interest on my account as a result of charges (they actually mean they've paid the 8% interest). However, looking at this, they;ve credited for the interest: £216.53 and £104.59 Now, using Mindzai;s spreadsheet, changing the date to the 12th of July, which is when they money was credited, the 8% interest due was actually: £216.76 and £104.74. I've even backdated the sheet to 11th July, just to make sure, which would make it: £216.57 and £104.68. Now, they have until the 21st the enter a defence I believe. They are considering the claim settled. My question is, is it reasonable to leave it until the 21st, enter a default (they are unlikely to defence as they believe the figures are correct and that the only difference is the further £1342.38 in CI (28.8%) that I'm claiming. Basically, defaulting them as they've paid me less than £1.00 less than what I'm owed. Is that reasonable? One part of me says no it isn't, but the other part says that they should pay me exactly what they owe me. How likely would I then be to secure a default against them? -
So, they've paid me the charges + 8% + court fee. I want to only accept it as part payment, but I can't decide whether to. I suppose if I go and withdraw it as cash from a branch and THEN tell them it is only as part payment, they can't exactly take it off me (though I'd not put it past them to debit it from my account and put into into an unauthorised overdraft of nearly 2k!, and charge me for it!). I'm pretty sure they're 28 days are up on the 21st too. Hmmmm.
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Ok, so now the figures add up, the £441.12 is the 8% interest for both accounts at the day of which they deposited the money (I'm assuming, though I've not checked, as my charges spreadsheets are on my works computer). However, read carefully his wording: I've not claimed the interest that I was charged due to the charges, though I'm going to work out what that would equate to, and may well bounce that back to Mr Temple. I'm not considering this over yet, as if the sum of interest they charged me is sizable, I'm going to ask for that back too, though it wasn't in my PoC, not sure how that will affect me. Also, his wording of that part, I'm wondering whether it could be argued that they've not paid the 8% interest due to his incorrect (IMHO) wording in the settlement letter. I must say I'm disappointed with this, very disappointed. I can't even really refuse the settlement as they've already paid the money into my account, which in my opinion, is totally underhand. But, then again, I've not signed anything to state that "I accept the amount as full and final settlement". Hmmm, interesting. No word on the Visa claim yet though.
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Hi chaps, I noticed a few days ago the new logo that has been added, and was just interested in the motives behnind the slight "rebranding"? Is the plan to do away with the CAG name (possibly to seem less aggressive maybe? Though I don't think the name, nor the group are aggressive in the slightest...!) Just interested in the thoughts behind this really.
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well done ssmmdd! Told you all those months ago that you'd do it
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Cheers, hoping it's sorted soon, but I'm in for as long as it takes, I'm getting my money. I only wish I'd have done this in spring last year when my FD claim was settled, like I'd told myself, but I was lazy and kept putting it off, then I went on holiday and bought a house so only just got round to it really.
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