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Karen Vs Halifax


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Nearly 3 weeks ago I sent the first letter to Halifax listing the charges and asking for them back. I included my need for this to be handled quickly due to my financial difficulties. Last week i received a "we are dealing with your complaint as quickly as possible" letter and 2 days ago i got a thick letter saying that the court case allowed them to put the cases on hold but with a form to fill in to prove that I am in finacial difficulties.

 

Any suggestions on how to fill it in? My biggest problem is that I took a loan from a family memeber that I have to pay back at an interest free rate of £40 a week. The other problem is that another family member paid my £1000 overdraft off for me so that I couldn't get any more charges with the understanding that I can pay him back when I have a good job after university which I start next year. Will they mention that I seem to have found thew money to pay this and therefore won't be classed as in financial difficulty?

 

Should I also menton in this letter that a few weeks ago (when i finally decided enough was enough and started looking into claiming the charges back) they took £175 off me over 3 days even tho I had repaetedly told them that I am on benefits as a single parent and didn't receive this much money in a week?

 

Any help would be gratefully accepted thankyou.

Edited by Karen22382
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Hi, Karen.

 

I would send them your LBA and see what the come back with.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

You could also try sending them this........

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/36790-bank-taking-your-benefits.html

 

Regards.

 

Scott.

 
 

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

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I think they will just ask again to prove that I am in financial difficulty and even if they do not the court will put a stay on it so I should fill in the form, has anyone else filled one in that could help please?

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  • 3 weeks later...

Filled out form and it says I am in the minus each month before I even put some of the money I owe out! I mentioned that I owe money to family after taking loans and that they took £175 in one week and have sent letter back to them today.

 

Am interested to see their reply.

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  • 2 weeks later...

Hope you hear something soon, Karen.

 
 

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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  • 3 weeks later...

Was completley shocked today when I received a letter from Halifax offering £542 although they do not admit liability! This was esp amazing as I was only at stage 1!! By this I mean I had only sent a prelim letter and replied to their income/outcome statement to prove financial difficulties!! I skipped SAR stage as I already had all the information to hand.

 

I had applied for £600 but realised after sending the letter that one of the charges had previously been removed so am happy with the result and am accepting their offer.

 

They also stated in the letter that in accepting the offer I would not be disadvantaged if the high court ruled against the banks as my claim had been filed.

 

This is great news as I was not expecting this money and it helps towards the overdraft I have had to go into again after a car accident 2 weeks ok that I was only covered for in 3rd party and being on benefits had to struggle to get a replacement car.

 

Many thanks for the help and I feel a bit more confident in going after the other monies owed to me!

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That is fantastic. I'm really pleased for you. :D

 

congratulations-4.gif

 

Let us know as soon as soon as you get the money.

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Superb result Karen, CONGRATULATIONS

 

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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Are you still on Cloud 9? Really pleased for you. Getting money back makes such a mental difference too.

 

Well done!!!!!!!

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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Great news.. well done!!

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

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