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Sapphire001 vs. Halifax **I WON!**


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Still not heard a thing :(

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Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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No post again today and nothing in the bank account this morning - but then I just happened to have a look now and it's there, the whole lot, including interest (and by the looks of it, they've also paid the 17p/day interest since I lodged the claim) and the court costs.

 

WOOHOOOOOOOOOO!!

 

Not a word from them, just the money. I'll have to work out what i do now, presumably i have to let the court know - and do I write a thank you letter to the Halifax?? :lol:

 

They've paid it into an account I haven't used for months rather than my old current account, which is £212 overdrawn because of the charges, so I guess I'll have to clear that, but that still means we could be having a very happy Xmas :0)

 

Thanks for all the support on here, guys - and good luck to everyone still battling it out with them.

 

Right, on to whoop the Capital One butt now ;)

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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Well done Sapphire, glad you got there in the end.....I ended up refusing my offer and im pushing for the full 12years:grin: :grin:

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Well Done I have also been paid out today as well. I also rang the court, they said they hadn't had a word from the bank but when i checked the account at about 2.30pm there it was. I rang the Halifax & she asked me for the reference number on my claims letter, I told her I didn't have a letter & she said it was very strange that I would have the money in my account before receiving a letter, but I don't care I have my money.:D:D

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well done!!!!

 

Hope you have a great xmas, an extra from Halifax after all ;)

I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.

 

HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06

 

HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06

 

HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06

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Well done Julie!!!

 

I still can't really believe it's all over. I was really starting to worry as other people who had filed at the same time had received their money and I'd not heard a thing. Then I had a call from the H this morning about my overdrawn account (which is overdrawn SOLELY because of charges on charges on charges) and I said that it would be cleared as soon as they reimbursed me my money, and of course he had no idea what I was talking about. And then, five hours later, the money's there!!!

 

I'm going to make a donation, of course, because I couldn't have done this without this site - but unfortunately the only account registered with Paypal at the moment is my Halifax one, in my maiden name, and my new current account is in my married name - so you'll have to wait till paypal change the details so i can add the new account!

 

Also, do i need to contact the court to call off the action? And is there anything else I need to do to "close" this?

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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I am going to ring the court in the morning to tell them, then i am going to write another letter to the Halifax to ask them to take off a charge that I got yesterday for an unpaid DD, I rang them today & they said no so here we go again.:rolleyes:

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Exactly the same here. They applied another £28 charge to my account after I submitted the MCOL claim and ahve already tyold me they'll be adding more charges at the end of November and December. I've just called them and they sadi they can't do anything. i told them that there is not going to be any more money paid into that account so unless they reimburse and cancel the charges it's jsut going to go on forever, me tkaing them to court and them paying up - but the answer was still no.

 

And to think i was so decent as to pay in the £200 I was overdrawn from the refund! Wish i hadn't bothered - except that for the first time in years my credit record is okay and I don't want to screw it up!

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

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Hi sapphire 001.

I have read ur long road jounrney. Congratulations!! I am right at the start, i have just posted my £10 and the letter asking for my statements. It is very daunting, but it is so nice to see someone who has just come out the other end. It has just made me more determined. Thanx.

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  • 3 weeks later...

Okay, I wrote to the Halifax reclaiming the £28 they added after the court action started, cancelling the two pending charges for end of Nov and Dec and taking the default off my account that they applied after I submitted my MCOL and they've written back:

 

Dear blah blah,

 

"Unfortunately I am unable to refund the charges you referred to in your letter, as they were not due to a Halifax error.

 

I note that we have previously refunded charges on your account and you were notified at the time that future valid charges would stand and that it is your responsibility to manage your account. You were also notified that if you incurred any future charges the Halifax reserved the right to withdraw your banking facilities; full details are explained in the terms and conditions of the account.

 

The charges you have incurred are in line with the account terms and conditions, if you are dissatisfied with the terms and conditions of your account or our policy on charges then you may wish to close your account."

 

Gits! the extra charges were only put on because I was overdrawn because of their charges that they've now paid back!! And I've just realised that they've had more than their two weeks anyway, so the LBA will be in the post today.

-------------------------------------

Action againt Halifax:

01.08.2006 Sent S.A.R - (Subject Access Request)

25.08.06 Statements received

Calculated - they owe me £797.50 :eek:

15.09.06 Sent preliminary letter

26.09.06 received "sorry you're not happy" letter

29.09.06 LBA posted

14.10.06 Halifax offer me £439

16.10.06 Moneyclaim action filed

22.10.06 Claim acknowledged - Halifax to defend

02.11.06 SETTLED IN FULL!!!

 

Action against CapitalOne:

15.09.06 Sent S.A.R - (Subject Access Request)

26.09.06 Received letter acknowledging S.A.R - (Subject Access Request)

20.10.06 Statements received

Calculated - they owe me £392 :lol:

25.10.06 Sent preliminary letter

9.11.06 Sent LBA

--------------------------------------

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I have asked for refund of another charge of £39, my other 5 years of charges was returned in August ....they have offered me a partial settlement !!!! But also they threatened to close my account if there are any charges in the future ......

Data Protection Act Disclosure letter sent 11th May 2006

Request for repayment of charges letter sent 3rd June 2006

Letter before action letter sent 30th June 2006

MCOL started 20th July 2006

MCOL deemed served 25th July 2006

MCOL deadline for reply from Halifax 8th August 2006

Notice of Judgement against Halifax 15th August 2006

****SETTLED IN FULL***** 31st August 2006 ****

 

Request for repayment of charges letter sent 1st Nov 2006

Charge was £39 for unpaid direct debit which would have made me £1.20 over my overdraft limit!!!!

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