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KateHepton

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Everything posted by KateHepton

  1. Gulp! Have just completed MCOL and paid £50 in court fees! Sorry to go on about this interest thing but ticked the box saying I wished to claim 8% interest online, is that it or do I have to send a copy of my schedule of charges including interest to Halifax and inform them I've issued a court claim?
  2. Gulp! Have just completed MCOL and paid £120 in court fees! Sorry to go on about this interest thing but ticked the box saying I wished to claim 8% interest online, is that it or do I have to send a copy of my schedule of charges including interest to Halifax and inform them I've issued a court claim?
  3. That's what I thought when I read the FAQ's but then got worried when I went to submit the MCOl, does it show that I'm nervous?!
  4. Help feeling sick that may have ballsed this all up when I sent my LBA I didn't include interest in my claim just gone to go forward with MCOL and read the warning that I should have done this HELP!!!!!!!!!!!!!!!!!! Sob sob sob!
  5. Help feeling sick that may have ballsed this all up when I sent my LBA I didn't include interest in my claim just gone to go forward with MCOL and read the warning that I should have done this HELP!!!!!!!!!!!!!!!!!! Sob sob sob!
  6. yep that's gr8 livelylad cheers it is actual charges not interest, so counting down down the days till 6th Dec god I feel sick! what a Merry Christmas this is looking set to be
  7. Cheers for everyones help, haven't filed yet my deadline date is 6th Dec shall I wait till then? and shall I put a little explanation in for the increased amount? Ooh and some of the claim is for unauthorised overdraft charges these are acceptable to be claiming back aren't they? :-| I know I should have double checked that earlier but I think I'm just getting nervous feet as the prospect of going to court gets closer!
  8. Ok just been through my statements again to fill out the claim for interest spreadsheet & either I overlooked some charges before or they've thrown a few extra in for retaliation my total is now £409 as opposed to £334 which I originally claimed for. Where do I stand with this? Oh and please excuse my confusion over the n1 and mcol thing have re-read it and cleared that up. Any suggestions over which is better?
  9. Sent A&L Prelim letter 28/10/06 1st refusal letter from 2/11/06 LBA sent 17/11/06 2nd refusal 21/11/06 14 day deadline expires 6/12/06
  10. Hi just received my second big fat no letter from A&L funnily enough sent my letter to M Mcormick and got reply from J Fallows glad to see there is continuity with my claim!? Well deadline is up now so it starts to get serious do I send the N1 form now? What's the MCOL stage that people are talking about?
  11. Have just received letter from Halifax offering goodwill gesture of £1078 as full & final settlement (claiming £1610). I accept this as a PARTIAL payment is that right? Is there a template letter for this? When do I move to court action? Help please!
  12. Thanks for the advice I am just off to the Post Office to post my Letter before action to the Halifax! Sent Prelim letter 16/10/06 Received a "we'll look into letter" 30/10/06 Sent LBA 7/11/06 Sent Prelim letter to Halifax Plc Trinity Road Halifax West Yorkshire HX1 2RG Received reply from Joanne Carmichael @ Halifax Plc Customer Relations PO Box 548 Leeds LS1 1WU
  13. Thanks for the advice! I think I have my ball rolling now however terrified it may be! Sent A&L Prelim letter 28/10/06 Received a refusal letter from M MCCORMICK 2/11/06 Have Letter before action written ready to send to the lovely M MCCORMICK on my deadline of 17/11/06! Just to note also I sent my Prelim Letter to Alliance & Leicester Plc Carlton Park Narborough Leicester LE19 OAL But received reply from Alliance & Leicester Plc Customer Service Centre Bootle Merseyside GIR 0AA
  14. Hi I sent the template letter to A&L & have just received a letter back saying they will not give a refund! What letter do I send now? The letter before action I downloaded complains that they have failed to respond but they did but just didn't offer the money does that count? Is that the right letter? Help! Never done anything like this before but determined to beat them!
  15. Hi I sent of my prelim letter and got a "we'll look into it" letter back due to send next letter tomorrow. Do I send the which one do I send? Is it the letter before action as that says they didn't respond but they did!? Help confused????????
  16. Hi I sent the template letter to A&L & have just received a letter back saying they will not give a refund! What letter do I send now? The letter before action I downloaded complains that they have failed to respond but they did but just didn't offer the money does that count? Is that the right letter? Help! Never done anything like this before but determined to beat them!
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