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    • They are not parking fines..but thats immaterial to you at present. But important to remember just in case.   Base yours on say a loan or card claimform defence the std paras to use will be the same.  No rush!!
    • Boris Johnson Blamed For 'Unforgivable' School Closure Delays And Exam Chaos | HuffPost UK WWW.HUFFINGTONPOST.CO.UK PM's attempt to 'bluff' his way through pandemic led to last-minute U-turns, report finds   "Boris Johnson’s attempt to “bluff” his way through the Covid pandemic left the government without any contingency plans for school closures or the scrapping of exams, according to a damning new report."   "The Institute for Government (IfG) think tank said the “single biggest issue” for education had been the failure in the summer of 2020 to learn from previous errors and to prepare for further waves of the virus. Its report claimed the prime minister deliberately ordered officials not to draft fall-back plans, a blunder that later led to GCSEs and A-levels being cancelled just months before they were due to take pace."
    • "After all but declaring victory over the virus earlier this year, Israel is set to reintroduce restrictions. The measures include requiring vaccines and masks for more kinds of gatherings, a work-from-home policy and more sweeping travel restrictions." -NYT
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    • Please make sure that you have read at least a dozen or so of the other Hermes stories on the sub- forum. Come back and confirm that you have done this. Once you have done the reading you will understand the whole situation about insurance and you will understand that with our help you will be able to get all of your money back. You will also understand how it works and the fact that Hermes will force you to go to court and they will eventually go to mediation and there they will end up offering you pretty well everything you are claiming that they will try to hold back on a few things such as court costs. You will also understand that if you stand your ground then you will get everything. You will see that Hermes will exploit the tax payer funded poorly resourced County Court system in order to avoid their proper responsibilities towards you and to avoid the consequences of their own negligence in handling your property. Hermes treatment of their own customers and of the County Court system is abusive but I'm afraid that there is nothing we can do to stop them other than to challenge them all the time and to make sure you get your money back. You will need to begin a formal complaint against Hermes. Simply tell them that you don't accept their position and you want your money back. Send it to them by email. Don't certainly deadlines – but wait probably about 10 days and then if they refuse or if you don't hear from them come back here and we will help you with the next step. If you've done your reading then you will know what those steps are You will get your money back but I'm afraid that Hermes will spend far more than it's worth to try and deprive you and so it will probably be at least two or three months.  
  • Our picks

Ginnser v Halifax ***SETTLED IN FULL***


Ginnser
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Hi all

 

Been inspired by peoples stories on this website and decided to look at my Halifax account, WOW over 6 years I was charged £2,053.00 in chages.

 

So, First letter written today and in envelope ready to post by special delivery tomorrow !

 

Branch in question is Halifax Middlesbrough, anyone else dealing with that branch?

 

Will keep you posted..

 

PS. ANYONE CLAIMED AGAINST ULSTER BANK IN NORTHERN IRELAND? I WOULD BE INTERESED TO HEAR FROM YOU!!!

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Good luck with your claim :)

 

I'm not dealing with your branch, but it seems some branches are handling them differently - eg in my case I didn't get an offer, just a load of old guff about Financial Ombudsman etc. Some branches pass them (probably correctly) along the line to Head Office who may make a derisory offer.

 

Sorry can't help on Ulster Bank - try a forum search ?

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  • 2 weeks later...

Well now 12 days since I sent Halifax first letter, it went special delivery, so i know they got it.

 

Is it common not to receive a reply?

 

Anyhow prepared second lletter today, just need to wait a few more days before posting.

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Received reply today - standard letter saying they will reply within 4 weeks.

 

I am going to send the LBA on day 15 anyway as they has not settled, is this the correct procedure?

 

Also should i send the LBA to the branch, thats where i sent the first letter, or to the address in Leeds where their reply has just come from?

 

Thanks

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Share on other sites

Thank you Michael.

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Just had the man from the Halifax on the phone this morning offering £250, I said no, so he said his limit was £500, I refused that also saying i wanted FULL refund.

 

He said he would put his offer in writing anyhow, and if i wanted to persue full amount then I would need to go to court where Halifax would defend any claim !

 

Another 12 or so days until I can start small claims process!!

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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if i wanted to persue full amount then I would need to go to court where Halifax would defend any claim !

Yes, sadly this is correct : Halifax will not buckle until Moneyclaim is filed :( They will settle though - no-one here has gone to court, despite their feeble threats.

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Thanks Clayts, from what i read i understand that to be the case. I am in Northern Ireland, and the small claims limit is £2k, plus interest and charges. so my claim will be for the full £2k plus interest and charges !!!

 

Will keep you posted on developments

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Hi All

 

Halifax just written back and said they dont owe me anything relating to this claim so thats the end of it as far as they are concerned.

 

Do I need to wait for the full 14 days from first sending the LBA or can I file the small claim today!

 

Thanks

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Thanks Michael

 

For the sake of a few days I will wait until 29th then issue the claim

 

Cheers

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Share on other sites

Quick update folks

 

Small Claims Process started, the limit for small claims here in Northern Ireland is £2k plus costs and interest, so claimed £2k plus court costs and interest.

 

Will keep you advised !!!

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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  • 2 weeks later...

Halifax now have acknowledged claim

 

fingers crosseed !!

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Just recieved the Acknowledgement from moneyclaim today, halifax intend to defend the claim.

 

Is this normal?

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

Link to post
Share on other sites

fingers crossed meled !!

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Well

Just checked my account and GUESS WHAT

 

There are two credits in cash today, totalling the £2700 I claimed !!!!!

 

So it looks like I have won !!!!

 

Will await some form of paperwork from Halifax, I have whipped the cash out of the current account and elsewhere !!

 

Thanks All

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Fantastic

 

How do i change the title of my thread to refect I have won?

 

Donation on way ..

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Great, survey and donation made

 

A & L should be paying out this week also !!!

Halifax £2053 -

30 June 06 - Prelim Letter Sent

12 July 06 - Standard Blah Blah Reply Received

15 July 06 - LBA Sent

18 July 06 - Phone call from Halifax offering £500

28 July 06 - Small Claim Process Started

14 Aug 06 - SETTLED IN FULL £2708.02 !!!!!

 

Ulster Bank £??? -

Working on it

 

 

Nationwide £210 -

14 July 06 - Prelim Letter Sent

28 July 06 - LBA Sent

 

A & L £1384 -

28 July 06 - Prelim Letter Sent

 

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Share on other sites

Many congratulations. I am taking so much heart from all these success stories.

 

Well done.

Bank of Scotland

Letter asking for Statements - 24 Apr 06

Recieve Some Statements - 29 June 06 (rest recd. on 18th Jul)

Planning claim - 30 June 06

Preliminery Letter Sent 3rd July 06 - claiming £4143 (recorded delivery)

Standard letter recieved - no offer - 13 July 06

LBA sent 18 July 06 (signed for on 19th)

Recd. phone call 21st July 06, offered £210 then £600. Refused.

Moneyclaim Online submitted for £4398 (11th Aug 06)

Letter rec.d informing of full reimbursement within 5 days (23 Aug 06)

 

MBNA Credit Card

Planning claim - 2 Jul 06

Letter asking for statements sent 3 July 06 (recorded delivery)Preliminery letter sent recorded 8th Aug 06

Sent LBA 22 Aug 06

 

Applied for RBS parachute account - 3 July 06

More details needed, posted current statemets - 12 July 06

Account open - 14 july 06

 

 

 

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