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    • Good Evening, I received this pack yesterday its an application notice to change claimants. Will they be chasing me for this as they were successful with the first claim? many thanks Webb 1.Application Notice N244rd.pdf 2.Asset Transfer Deed r.pdf 3.Notice of Assignment Part A Letter 1 & 2rd.pdf 5.Claim Form rd.pdf 6.Draft Order rd.pdf
    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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Boo vs HSBC & Halifax


Boobaby
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Hi there

Joined this site yesterday - wow! Been completely blown away with the amount of information - free!! The number of helpful sites posted - free!! Contact details - free!! and no charges - free!! I love it!!!!

Actually joined with real name as user, changed that PDQ.. thus entering another post etc...

I have compiled all outstanding charges from HSBC thankfully I had all statements:) not :(.

A couple of questions if that's okay.

1. HSBC - I have done a spreadsheet of outstanding charges and they total - £2764.00 (can't believe that much incurred over three years!!) Do I now go straight to the initial request letter or should I still submit the DP letter first?

2. Halifax - I closed this account more than three years ago due to the excessive charges, time scales when cashing cheques etc. etc. Can I now go back to the Halifax and carry out the claiming process with them. what's the process regarding getting statements? DP letter etc? Can't believe I destroyed all their statements 6 months ago:mad: .

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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I would just send the initial letter. Generally the DPA letter is for people who don't have access to their statements.

I just went straight to the preliminary letter requesting the fees back.

 

And to answer your 2nd question. I received my claim money from HSBC just two days ago. The account was closed in 2003.

 

As long as the charges you are requesting are within the last six years, closed or not , its irrelevant.

You may need to send the DPA to Halifax to obtain the statements, personally id try the friendly approach of asking nicely at the counter first (worked twice for me). :)

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Thanks for that info.... But tell me just how nicely did you ask at the counter, I bet it wasn't my ex branch!!

I'm too scared to go into the Halifax I closed my account with them more than three years ago and have had absolutely no dealings with them what so ever!!! What if they've been chasing me for thousands and I don't know about it?? I'm so unbelievably paranoid about this bank I hate them with every fibre of my being.

They were so obnoxious to deal with, they never took into consideration my personal circumstances and yet they told me to speak with them when I was experiencing problems.....?? My other half had just walked out, two kids you know the story - the usual blah, blah, blah so I made an appointment to go and talk to one of the advisors - laid my very personal problems on her new beech desk, she looked at me from behind a very large diamond engagement ring and said to me "What do you expect the bank to do Mrs ****?" Whilst also giving me that patronising look that says - he walked out on you did he, that would never happen to me type look! "As your income has now halved I am unable to facilitate a further loan/overdraft but come and talk to me in six months time when the situation has improved (what? like she's going to take up marriage guidance??) and we will see what we can do then!" I walked out of that bank, opened another account elsewhere and closed that account there and then. I wonder if she still works there......?

Sorry about the novel bet you're sorry you looked now?

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...

Nothing really to tell you. 14 days have now lapsed since I sent DPA letter for two accounts - 26 days to go.... Nothing received to date. No letters, statements or acknowledgements - I can wait!!!:roll:

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Halifax Statements for second account received this morning (obviously the little one!!) Anyway, calculated charges and Initial Request Letter sent recorded along with schedule of charges. I was going to wait for First account statements and combine the two but no idea when they'll come through.

Surprise as well still got £8.63 in this account, thought I'd closed it so will be sorting that out!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...

Could a mod please move this thread to the halifax forum if possible - Thank you!!

 

Just a quick update.

Statements received for both accounts - 3 lots each!!!!!

Sent prelim letter for account2 on the 21st August - no response so LBA sent this morning.

Sent prelim letter for account1 on the 22nd August - no response so LBA ready to go tomorrow...

Does anyone get any response from Halifax initially or do they only respond at the more serious stages etc...?

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Lovely letter off the halifax this AM - sorry you're unhappy, blah, blah. Clearly outline T's & C's blah, blah. Your responsibility to handle your account blah, blah. As a good will gesture however refund of £100 offered in F & FS blah, blah, blah, blah..... also with regard to my request as to how costs are calculated they unable to supply this information as it is commercially sensitive!!!!!!!

Here's my response - blah, blah, blah, blah, blah, bog off, blah, blah I am unable to detail the rest as you must understand it is commercially sensitive!!!

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Thanks BW

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 1 month later...

Hi all just a quick update and a question.

 

Claim submitted on the 18th of October.

 

Letter received this morning from the Court to say that

 

The Defendent (Halifax) has filed an acknowledgement of Service on the 20th of October.

The defendent responded to the claim indictating an intention to defend all of the claim and they now have 28 days from the date of service to file a defence.

 

I know I now just wait, but has anyone had this get to the filing of a defence and then a response by the Claiment stage etc.. If so what do I do next?

Boo x

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

  • 2 weeks later...
Hi all just a quick update and a question.

 

Claim submitted on the 18th of October.

 

Letter received this morning from the Court to say that

 

The Defendent (Halifax) has filed an acknowledgement of Service on the 20th of October.

The defendent responded to the claim indictating an intention to defend all of the claim and they now have 28 days from the date of service to file a defence.

 

I know I now just wait, but has anyone had this get to the filing of a defence and then a response by the Claiment stage etc.. If so what do I do next?

Boo x

Another update - I contacted the Court this morning and Halifax as yet have not submitted a defence, obviously stalling tactics on their part. I have read loads of other threads that say Halifax intend to defend and then money is credited into their account within the next 7 days!! I no longer bank with the Halifax but have an old account with them that hasn't been activated for at least 3 years. Is it worth me contacting them as it's now been 2 weeks since they said they were going to defend the claim or should I just bide my time??

Thanks

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

Another update - I contacted the Court this morning and Halifax as yet have not submitted a defence, obviously stalling tactics on their part. I have read loads of other threads that say Halifax intend to defend and then money is credited into their account within the next 7 days!! I no longer bank with the Halifax but have an old account with them that hasn't been activated for at least 3 years. Is it worth me contacting them as it's now been 2 weeks since they said they were going to defend the claim or should I just bide my time??

Thanks

Boo

 

YESSSSSSSSSSSSSSSSSSS!!!!!!!

I won, I won, I won............. Letter from Halifax stating that they will pay the full amount - I really thought they were going to take this all the way, cannot believe it, all that lovely lolly just before Christmas, donation will be forthcoming when money received - Thanks CAG couldn't have done it without you - Love you. Boo x

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Share on other sites

Well done Boo!!

I will be submitting my court claim for £5.5k (inc. interest) on Friday.

I hope the Halifax are as quick to settle as they were with you.

It's nice of them to boost so many xmas shopping funds, isn't it?

09/10/06:Halifax claims opened with prelims

claim 1 = 1392.38

claim 2 = 1437.74

claim 3 = 1480.76

claim 4 = 0185.32

Changed tactics.

1 claim of £4600 submitted - will travel to england to go to court if required.

 

27/10/06: LBA sent

01/11/06: Recieved an offer of £764

05/11/06: Refusal of offer sent

11.11.06: MCOL submitted

13.11.06: MCOL issued

16.11.06: MCOL aknowledged

17.11.06: recieved withdrawal of offer letter - too late, it's already with court!

27.11.06: recieved written confirmation from Northampton County Court. Still no correspondance from Halifax. They have until 15/12/06 to respond.

O1/12/06: Settled in full, including interest.

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