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LBA runs out tomorrow 27/06/06


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I have been following this site for a while and I am now on the last lap with my claim against the HELIFAX.

 

I am claiming £2788.87 incl interest - so hopefully I will get it all back

 

These charges have left me short on many occasions over the last six years

and have totally ****ed me off. :mad:

 

Time is running out ! :)

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Can you give a brief outline of the process you took.......has there been any communication from them?

 

Just asking this as I am sure it would be interesting for others,since you have had no ongoing threads.

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Started the ball rolling 10th April requesting statements for the past 6 years

 

Received about 50 evelopes full of statements - Postman left bewildered :???:

 

Worked out charges and interest using excel spreadsheet - total £2,788.87

 

Sent LBA 13/6/2006 ... received letter from Halifax - stating that it was my responsibility to manage my account, but as a gesture of goodwill they were prepared to refund £450.00 of charges in full and final settlement.

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So its been a long haul and some been paid off in half of this time.

 

Its no secret though that the HF average settlement has been at stage 3 so they really do take it as far as they can.

 

If your claim mirrors many others here you will prob find them settling within a week or 2 of getting your moneyclaim in !!

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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have a look at whats involved

 

https://www.moneyclaim.gov.uk/csmco2/index.jsp

 

I am not at this stage yet so dont want to give you any wrong advice.

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Called the Halifax this morning, they start at 09:30 :???:

 

they have now offered me £1500 ... butI declined the offer and said I would go to court.

 

Tried to use the Moneyclaim site but was given Authorisation declined for payment of £120 ....:mad: :mad: :mad: :mad: :mad:

 

2 questions ....

 

Do I now proceed to the Sheffield County Court in person ???

 

and

 

What forms do I need to fill in ???

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Why was payment declined ?

 

Going to court in person is an option (And their Head office is not a million miles away from Sheffield)

 

You would need to fill in a claim form and pay the fee there.

They are very helpful with guidance and there is supporting docs to help you fill in the forms

You should be able to see all the info on here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It was declined as there was not enough money in the account ...

 

Just noticed that the N1 form is the one to use, so I will go and put the claim

in at the Court in person, I have £120 in cash to cover the cost

 

Thanks again Martin :-)

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Nice one ........:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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How much longer do I have to wait ?????? :mad: :mad: :mad: :mad: :mad:

 

I sent in the N1 form last thursday .... but still no money yet !

 

Do they stick it straight into your account without notification ?

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It depends on what the Halifax are going to do, defend the claim or not ......read a few threads in the Halifax forum that people have won on and you will get a rough idea how long you will have to wait

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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They rarely settle at your stage.

They may file a defence and then settle.

One things for sure if they follow their pattern you should be sorted within the next 14 dys

 

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Donna after 8 posts you should have read the faqs

 

You can proceed WITHOUT a S.A.R. but there may be information you need.

You must show you have given your bank scope for dialogue and there are no fast tracks or shortcuts.

Having your bank statements will allow you to send the prelim letter now but If I were you I would take some time reading from the site.

Open your own thread too...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Donna after 8 posts you should have read the faqs

 

You can proceed WITHOUT a S.A.R. but there may be information you need.

You must show you have given your bank scope for dialogue and there are no fast tracks or shortcuts.

Having your bank statements will allow you to send the prelim letter now but If I were you I would take some time reading from the site.

Open your own thread too...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...

I am claiming £2788.87 incl interest

 

Claim issued to Sheffield County Court 29 June 2006 - £120.00

 

The defendant filed an Acknowledgement of Service on 11 July 2006

 

The defendant responded to the claim indicating an intention to defend all of the claim

 

I was expecting to receive this payment by now ..... :mad: :mad: :mad:

 

and the Halifax have now added another £600 worth of charges to my account

 

I am in BIG TROUBLE with missed payments ... Mortgage \ Bills etc ....

 

How much longer do I have to wait ???????????????????????????? :confused: :confused: :confused:

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Hang on in there.......it wont be long now.

The additional 600 quid is a lot,and maybe worth telling them you want any charges levied since you filed,to be returned also.

 

Having said that,people have done secondary claims for less than this,so you would need to put in writing that the additional charges will be claimed at a later date if they are not reconciled to your refunds here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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