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With Halifax nearly going bust.......


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Two weeks ago HBOS,as we all know nearly went bully up. Now what would happen to the current cases that have been stayed? and could this be grounds to have the stay lifted.......

 

Any ideas huys?

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

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I wondered about this also, could we have situation that the FSA tell banks to reduce charges to a more realistic £5.00, i.e. one govermental dept. (FSA) telling other goverment dept.(The Bank)

I thought one of the clauses in the rescue plan might have been a drop in charges, or are the Government going to make all they can?

Nice to know that HBOS cannot manage their account after telling us we can't manage ours.

Don\'t let the B**tards grind you down

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Good thing is now the directors wont be getting there bonuses! Hopefully they will put the money into helpin customers!

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

I wonder how much HBOS have been charged for defaulting on any repayments they had to pay.

 

You can see it now: Please repay the £40bn you owe us to bring your acct up to date. We will be debiting £39 from your acct in seven working days from the date of this letter to cover the costs of this letter.:):p:D

 

Sorry for being synical but you have to laugh. Should we now write to the DWP for our charges back just to give them another task to contend with.:rolleyes:

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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hbos as 670bn worth of assets, the reason they are merging is the share price have scared customers, also rubbish talk on the news ect.. short selling, people not repaying their debts and other banks, shareholder unable / unwilling to lend.. it was no where near going bust just having short funding issues..

 

please name any bank that is not having interbank borrowing problems.

 

rsb is in a far worse position that hbos, i mean northern rock, bradford and bingley.. come on now.. that's going bust!

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I have no sympathy with them and only wish they were honest enough to admit their errors and accept the consequences its absurd the amount some of these so called executives leave with in their golden handshakes.

 

What goes around comes around and not before time may i add.

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  • 2 weeks later...

I think but I'm not 100% sure that....

 

When HBOS eventually get brought out by Lloyds all legal actions and claims will continue.

 

By being sold - Lloyds inherit the claims and actions and as such face corporate responsibility for the mountain of bank charge claims that HBOS have already avoided.

 

As a damage limitation exercise the amount of interest that all these stayed claims are clocking up must have been considered and written off as cost effective?

:!:Currently at war with Bank of Scotland and Lowell

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