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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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Bank charge today from Halifax .... can you help?


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I've made a silly mistake yesterday by forgetting a Direct Debit was due. Halifax charged me 35 pounds because I was 13 pounds short of the D.Debit amount.

I rang to find out whether they can wave it for me and they told me NO they can't because I took legal action against them in 2006. I got all my charges refunded in December 2006 and was doing brilliantly since October 2006 with no charges.

They said that I agreed to the terms and conditions of accepting the charges in future and that they can close my bank accounts with them!

Has anybody had this? Can I write to them asking for my money back OR should I just let the charge go?

17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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Hi, Andrea450.

 

They shut my account after my first claim, It's really up to you. I think you can claim again, but is it worth the hassle?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Andrea450.

 

They shut my account after my first claim, It's really up to you. I think you can claim again, but is it worth the hassle?

 

Regards.

 

Scott.

 

Sorry to hear about what they did to you - totally out of order - did you get your money back?

 

Yeah you are right about the hassle, but why are they still getting away with charging such enormous amounts for paying out pittance for us?

Credit cards are charge 12 pounds if you pay late etc.

 

Why are banks still getting away with charging such extortionate amounts?:-o

17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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Guest louis wu

Andrea, it might just be worth a quick phone call asking for a refund, the worst they will say is no, but you may get a good result.

 

louis

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Hi Andrea450,

 

It will be £35 this month + I would imagine a £28 unauthorized overdraft fee, which am I am sure you have not got lying around to pay the big fat shear holders, therefore you will be down £63 next mouth which might leave you sort for next mouths outgoings, and Halifax will not give a dam and the circle of chargers may begin.

 

Good old customer sieves is non existent in the banking industry unless you have Money.

 

In answer to your question, claim it back they will soon get feed up when you claim back £35 they then have to pay you back and the fees.

 

What have you got to lose?

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Hi Andrea450,

 

It will be £35 this month + I would imagine a £28 unauthorized overdraft fee, which am I am sure you have not got lying around to pay the big fat shear holders, therefore you will be down £63 next mouth which might leave you sort for next mouths outgoings, and Halifax will not give a dam and the circle of chargers may begin.

 

Good old customer sieves is non existent in the banking industry unless you have Money.

 

In answer to your question, claim it back they will soon get feed up when you claim back £35 they then have to pay you back and the fees.

 

What have you got to lose?

 

Thanks for your response.

 

Yep, I made a mistake by going down the bank charges road again. However, I will learn from it and try harder to manage my money more sensibly- and I will definitely ask them for my money back!

 

I'm trying to claim PPI from them too, so I bet I'm in their good books at the mo!:|

17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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Andrea, it might just be worth a quick phone call asking for a refund, the worst they will say is no, but you may get a good result.

 

louis

 

I already called them and they said 'NO' they cant help me.

17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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Sorry to hear about what they did to you - totally out of order - did you get your money back?

 

 

Yes, I had one Small Claim for £1,027.20. and one Summary Cause Claim for £1,051.60.

I like showing the total amount's as every penny you get back from the bank counts.

 

My third claim is with FOS, It's for £5,000.(could do with winning that one.)
:)
.

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Sorry to 'hijack' your thread here but I'm in exactly the same boat although I went over my agreed limit by only a few quid. £63 I'll be charged for this!

 

I've claimed from them in the past and I want to know if I should do it again. What's happening about the test case?

 

Sam

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I've claimed from them in the past and I want to know if I should do it again. What's happening about the test case?

 

Hi, Puncture.

 

Have a look at this......

 

http://www.consumeractiongroup.co.uk/forum/general/107550-oft-test-claim-what.html

 

The 'test case' could rumble on for a while, you should get your claim in.

 

Regards.

 

Scott.

 

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Sorry to 'hijack' your thread here but I'm in exactly the same boat although I went over my agreed limit by only a few quid. £63 I'll be charged for this!

 

I've claimed from them in the past and I want to know if I should do it again. What's happening about the test case?

 

Sam

 

Yes you can claim again, try phoning them first you just might get your money back. as for the test case it is still going on you can update on a thread in this forum " the Prime ministers website " or on bbc online/ business then search for test case.

 

and for Andrea, if they do attempt to close your account, they are not allowed to, make a compliant to the Financial Ombudsman, in fact tell the bank that if they do close your acount as punishment for cliaming your charges back you will complain to ombudsman. It might make them think twice.

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

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Hi,

 

Sorry to 'hijack' your thread here but I'm in exactly the same boat although I went over my agreed limit by only a few quid. £63 I'll be charged for this!

 

I've claimed from them in the past and I want to know if I should do it again. What's happening about the test case?

 

Sam

 

Crazy aren't they, charging 63 pounds for a few quid. Let me know how you get on with your claim. I will definitely claiming soon. I'm not in their good book as I'm claiming PPI too!

17 November - Prelimanary letter

25 November - Confirmation of receipt from Halifax

29 November - letter from Halifax Goodwill gesture £318 out of £408 (original claim).

6 December - Rejection/LBA Letter sent

18 December Halifax letter offering £408

18 December - MCOL completed - claiming interest and costs £523

28 December - Won! Money in account!

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