Barb v Halifax ***SETTLED IN FULL***

[bagsnballs]

so I have got this far .......got 2 sets of statements .......they haven't cashed the cheque I sent them ......done the spreadsheet with interest ...have been filling out the money claim form and then shock horror the fee is £120 !!!!!!!

as My claim is for £1508.51..this is the Halifax bank !!!

 

Most of my charges have come from them taking so long to clear cheques, on paper I have rarely gone over my overdraft limit.

I have even begged them to hold back on a charge in the past as it would mean I would incurr another, they refused .... they have no feelings .....

now I am deliberating can I afford to loose another £120 ...should I back out or is it worth the fight .....

[Michael Browne]

Looking at the survey results there are 191 people who Halifax have refunded £223,000 so far ( and there will be others who haven't filled in the survey)

 

You've come this far, don't give up now. The court fee is refunded by Halifax, so you will get the £120 back

 

If you back out now, Halifax have won

 

Just go for it.

[bagsnballs]

have just printed the next letter ...the one before action .......going to post box next ....now if I look at it positivley I have 2 weeks to save up the £120 fee !!!!

and if I get the money back I can clear my credit card ......thenks for your support ...

[barracad]

Can you just confirm what exactly you have done so far?

 

From the sound of your first post you have requested the statements and you are going to jump straight in and start a claim?? If so - STOP!!

 

You need to have a good read through the FAQs - especially the step-by-step guide. Don't start a claim until you have sent the prelim and the LBA and allowed the relevant time in between the letters.

[bagsnballs]

I have done the letters ..... I was just finding out how much it was going to cost me to claim and was almost disheartened enough to give up ....but now have renewed energy and now have posted LBA and have money claim ready and am going to save up for the costs !!!!!!

[bagsnballs]

I have sent the letter before action stating that they have 14days to respond and no reply !!!

I am now fed up as I hoped they would settle before I did Money claim .....

My claim is for 1508.51 in total which means I need to find a hefty fee of £120 which is putting me off even more ...any advice and/or encouragement would be appreciated !!

[thewifeandI]

They almost certainly won't pay up before Moneyclaim (unless it's a derisory offer). When it does get to Moneyclaim you will be able to add the 8% s69 interest, boosting your payout, so the fee will be well spent - you get that back as well, along with the DPA fee (if paid) and postage costs.

[clayts]

Hang in there kid - I had to delay my Moneyclaim by a week as I couldn't afford it at the time. It will be going in tomorrow, touch wood.

 

Sadly Halifax seemingly will not settle in full without their beloved customers having to jump the Moneyclaim set of hurdles. I wonder how many people they have managed to put off by adopting this tactic ?

 

Anyway, save your pennies and revel in the glory of getting all your money back sometime soon : any friends or relatives who can lend you the dosh (the bank will pay it back when they settle) ?

[bagsnballs]

Thanks for the encouragement !!!

I have added the interest in to the amount claimed.... is that correct ???

[clayts]

Yes indeedy

[bagsnballs]

am i also right in thinking that money calim deal with your case more or less next day .........Halifax have had nearly 3 weeks since the letter before action and no reply ....should I proceed ?

[thewifeandI]

It is served within 2 working days (as I understand it) and you can check the status online.

[bagsnballs]

What does that mean "it is served" ?

I have noticed I can check status on line ...don't have enough cash yet to send it am waiting for payment for work done .......I am self employed.....

[thewifeandI]

A copy is deemed to have been delivered to Halifax.

[bagsnballs]

Thanks for your help I am going to do IT this week !!!!!

[bagsnballs]

I have made my claim to Money claim, paid the fee, Halifax have until 8th August to reply !!!! But I am being asked on the money claim form how I want jugdement to be made ,the choices are .....By Default or by Jugdement ......can anyone explain this ?

[bagsnballs]

It is a great reply and would take me hours of studying to work out ....I have to continue to work and look after the kids ...life can't just stop to reclaim this money ...which is why this site is so useful ...I have been able to proceed one step at a time ...and I won't have any difficulty finding time to spend the refund when I get it !!!!

[bagsnballs]

the date on my Note of Issue from Northampton County Court was 8th August ..........I haven't herd anything form the court or Halifax do I tick the box on line that says

 

The defendant has not filed an admission or defence to my claim, (Judgment by Default)

 

Thanks for your help.....

[jonni2bad]

4 threads merged - Please do not start separate threads for the same claim.

[bagsnballs]

Thanks for merging me !!!

 

And I have just asked for my case to be judged by default on the money claim !!!!

Does that mean I may have won..as Halifax have made no attempt to contact me they just keep resending my statements.

I have claimed £1508.31 Plus £120 court costs

[jonni2bad]

It does, in theory. They could then decide to ask for a set-aside if they claim not to have had the claim details etc etc, but in all likelihood will pay out once they receive notification from the court.

[bagsnballs]

Thanks !!!!!!!

[bagsnballs]

Please can someone advice me again !!!!! I now have this message on Money claim

Your judgment request has been accepted. The order has been sent to the Defendant.

 

Do I give the bank time to respond as the next step seems to be to issue a warrant and then I have to pay out yet more money ? The only comunication I have had from the bank is 3 sets of statements !!!!!

 

Halifax Charges ..... £1508.31 Plus £120 court costs

[bagsnballs]

The judgement against Halifax was entered on 15th August ....but I haven't heard a thing ....... what can I do?? Anyone advice please ???

[david Reed]

mine was on the same day ....(see my thread) by reading other posts I am guesiing either today or next couple of days we will see on mcol that they are defending or aknowledged?? then going by others on here we should see the money back where it belongs about 3-4 days later

 

This is not definitive though it could last the full 28 days which takes us to sept. 12th (Ithink) although they have to aknowledge in some way by the 29th aug.

 

If not then we can start judgement!!

 

dave x