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mollyhannah v Halifax ***SETTLED IN FULL***


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14 days straight NOT working days

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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Straight 14 days.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi can some one please tell me how to work out the 8% interest for the final spreadsheet. I know i am getting a bit ahead of myself here but i just want to know what im doing at every stage.

I read somewhere that you times the charge by 0.0022 then times this by the number of days. When i did this the decimal point was in the wrong place so my daughter said this cannot be correct.

Please help

Karen

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OH MY GOD !

 

You do not have to answer that question anymore. After writing it i spent the rest of the afternoon trying to download spreadsheets and generaly messing around with them. I must add i know nothing about computers or what to do on them. I can now say i am pretty s**t hot at spread sheets and know exactly what to do. I could become computer literate yet. LOL

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hi everyone sorry but another question. i have finally got some statements through and was wondering when going back 6 year do i do 6 year from the date i send them or is there a certin date i have to take them to? thanks

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You can go back to the date when you were first aware of the unlawful charges.

 

Ie if you knew about this in July 2006 and started the process then you could go back to July 2000

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hi karen husband here just like to double check on the 31/05/2001 we were charged £224.00.On the spread sheet do we put 8 x £28 or just the one charge of £224.00 also which address do we send the prem letter to i have looked around and ther are so many different addresses i dont know which one to use.

 

Thanks

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What to and from dates do we put on our letters. I sent my first letter asking for my charges back and put the date of my first carge to the date of my last charge. I have since had another charge and i know you can claim daily intrest up to the date it gets sorted in court but how do i know what date this will be. What has everyone else done.

Thanks

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1. Spreadheet query - put charges individually.

 

2. Interest - you need to read and understand the text of the Particulars of Claim. See the example in the templates library.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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I have read and better read everything and i understand the paticulars of claim and the intrest claimed but my question is how can i put an end date when i dont know what the date will be. The LBA has to have 2 dates (to and from) my claim will start 6 years ago but i dont want it to end until i go to court, or do i state the date of my last charge and forget about anything after that ( i did get another charge after this date which i stated on the first letter)

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I'm not sure where you think you have to enter "to and from" dates. Where is this mentioned in the LBA?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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or just remove references to those dates.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Jonni, what do you mean? Did you put dates on your spreadsheets because the templates tell you to. So this is what i did. Nowhere in my prelim letter have i said dates i have just said "over the last 6 years" the dates are only on the spreadsheet.

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The dates from and to are not important, only that you include the charges with the correct dates and amounts.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...

well i have just submitted my MCOL. WOW now i'm scared. It didn't mention anything about a schedule of charges or give me an address to send one to. not sure what to do about this as i have read a few different answers. Also do i need to send one to the bank? I did send a schedule of charges with my prelim letter and also with my LBA but they do not have one with the 8% interest added. Any advice would be great.

Thanks

Karen

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Congratulation. My MCOL was submitted the same day! hope they don't put it in my closed account.

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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