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Dinky V Halifax **WON**


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The 8% isn't on the total amount but 8% apr on each charge from the day it was applied to the account. Yopu need to list each charge and date applied individually on the spreadsheet and it will calculate the interest for you. If the charges were applied a long time ago then the interest could be as high as £905.33. The £326.48 you mentioned is 8% of the total which isn't what you are trying to calculate.

  • Confused 1

5th Jul 06 - Prelim sent to Halifax

20th Jul 06 - LBA sent (no response)

7th Aug 06 - Offer of £297 recieved. (declined offer)

10th Aug 06-revised date to submit moneyclaim (financial constraints prevented this action)

1st Sep 06 - Moneyclaim filed and issued

1st Sep 06 - recieved 2nd offer of £892 (after claim submitted)

5th Sept 06 - moneyclaim Acknowledged online

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hi bluemozzer thank you very much for that, but now you have really scared me because that takes me over £5000.00

its just over, will this make a difference?

 

Dinky:)

 

sorry my mistake its £4992.42 wooooo hooooo, still more than i was expecting.

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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The 8% interest is not included by the court when working out the claim value for which track it goes into (after all it is discretionary). It is counted when working how much the fee is though!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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HI,

Thnx wifeandi, i have completed all my forms, and luckily for me i am exempt from court fees as i am on income support.

Will keep you all updated, not long now (hopefully)

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi all,

I filed my court claim today at my local county court, the woman told me the bank will be served with the papers tomorrow....so heres hoping i can sit back and relax now.

 

Dinky:)

 

_______________

 

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax :09/08/06 N1 court claim filed at local county court

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi all,

Received a letter from the bank today, with an offer of £273 (I dont't think so!), also recieved a confirmation letter from the court, that the papers would've been deemed served on 12/08/06. According to the court the bank has till the 29/08/06 to enter a defence.

Anyway i will keep you all updated.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi all,

I know this sounds a bit daft, but does the size of your claim determine the length of time you have to wait before the bank pay up?

On reading a few posts today, a few people had their court papers served around the same time as me, and have already had a pay out.

I recieved a letter on monday offering me £273.00 which i refused and reminded them that a court case is in progress. I haven't received a letter yet saying they intend to defend.

I guess i just have to keep checking my bank.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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There's no logic applied whatsoever! You get it when they feel like it, in any random order they fancy!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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lol thnx wifeandi, i guess i have to perservere and stop being so impatient.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi all,

 

I filed my claim at my local county court, all the way through this process, my timetable has been based on calendar days and not working days. the reply i recieved from the court was that the claim will be deemed to be served on 12th August, and the bank have till the 29th August to enter a defence, so looks like the court are working from working days and not calendar days, i thought the bank would have till the 26th August to enter a defence. Has this happened to anyone else?

I am hoping to have a letter from the bank on Monday saying they're entering a defence, they're definitley dragging their feet.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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I can only assume that the Bank Holiday next weekend is making a difference....

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Ok thanx jonni

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi all,

 

Just a quick update, no news yet....the bank haven't even been in contact to acknowledge the claim or enter a defence, so they have 4 working days (taking into consideration the bank holiday) to enter a defence, or i have won by default. Been checking the bank online 2 - 3 times a day, and still nothing there.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Hi all,

Recieved a letter from the bank today, they have offered me the full amount, minus the extra 6 months i was claiming for.

Can a mod please change my heading to settled in full.

 

I'VE WON!!!!!!!

 

Dinky

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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Excellent news! :)

 

I've requested a title change for you. Have you filled in the survey?

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Thank you Pinky i certainly will.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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I will do Wife and I thank you very much.

 

Dinky:)

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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congrats dinky :)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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well done :-)

 

mexwave2vi.gif

:eek:

05-01-06 prelim sent

14-06-06 LBA 1 Sent (claim for 1 yr)

21-06-06 Offer recieved for £312

31-07-06 recieved 6yrs statements

31-07-06 LBA 2 sent (Request £1,611)

14-8-06 Money Claim submitted
:D

15-8-06 Issued

23-8-06 Aknowledged

24-8-06 Offer for £650

30th - 8 - 06 PAID IN FULL!!!!!!!!
:D

Shaz n dave vs Barclays :smile:

26-7-06 Prelim letter sent (Request £1,585)

2-8-06 Confirmation that pre lim recieved, been passed to relavent dept!!!?

10-8-06 LBA sent (request as above)

18-8-06 £720 offered - (accepted as a partial settlement to full claim)

4-9-06 MCOL - LETS GO!!

My Little Bruv vs Lloyds:-x

9-8-06 Pre-lim sent (Request £295)

16-8-06 received letter (sorry... will be passed to ..... blah blah)

23-8-06 LBA sent

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CONGRATULATIONS

 

Don't forget the SURVEY

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi all,

 

I can't believe this, i had the letter from the bank yesterday willing to settle out of court....i sent the acceptence letter by special delivery in which they would've recieved that today...i checked my bank this morning and they've closed my account....I'M FUMING!!

I phoned customer relations and they can't do anything, because they cant get my account details up, so i phoned my local branch direct and asked to speak to the bank manager, i was told he will phone me back within an hour....so 50 minutes have passed and i'm getting angrier by the minute.

Why isn't anything straight forward anymore?

And to top it all i've already sent the form to the court saying they are settling out of court...i feel like kicking myself.

I was looking forward to that money for the bank holiday...so i'm going to tell my bank manager a cheque is not acceptable and i want my account re-opened for the money to be deposited into.

 

Dinky:(

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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When you speak to them, point out the latest Banking Code Bulletin where it advises banks that they should not take retaliatory action.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Ok thank you, i just phoned the manager back as he never phoned me within the hour, and Linda who i spoke to an hour ago....who has since had her hours lunch break, said he is still busy with customers. So i asked her if it would be quicker coming into the bank...after humming and harring, she said leave it with me, and i will grab him before he gets to the next customer...so now i have to wait another hour.

 

P.s i have filled in the survey, can't post a donation as my money is in cyberspace somewhere.

 

Dinky:(

Halifax: 28/06/06 Data protection letter sent

Halifax: 12/07/06 Recieved statements

Halifax: 12/07/06 Sent prelim letter requesting £4081

Halifax: 15/07/06 Recieved blah blah blah

Halifax: 25/07/06 Sent letter before action

Halifax: 09/08/06 N1 court claim filed at local county court

Halifax: 14/08/06 Received offer of £273

Halifax: 14/08/06 Confirmation from court papers will be served on 12/08/06

Halifax: 15/08/06 sent letter refusing offer.

Halifax: 24/08/06 Settled in full

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