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Just when I was thinking I needed someone new to go after my data arrives yesterday. Spent the evening going through with marker and sent off prelim today. This is great 'cos they only sent me data from 2002 so I can now request the rest back to the 1980s (in theory anyway) while proceeding with this claim. Any idea how far back Halifax data goes people?

 

 

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  • 3 weeks later...
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  • 2 weeks later...

Oops. 14 days are well and truly over. Never mind, waiting for my new WTC/CTC award letter to arrive so I can claim remission. LBA going in post tomorrow. At this rate I will have 4 seperate claims to file in a fortnight. That'll keep me out of mischief. Will all 4 settle before we go on holiday in August? Come on as usual Howard, I need my extra. 8)

 

 

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It does help Lorraine if you don't send them a bouncing cheque!!!! Silly me. I was busy with other claims so didn't get round to sending a non-compliance letter. I have claimed late/overlimit/unpaid cheque fees and don't forget to add your £10 sar fee. I like Vampiresse's spreadsheets and I have used nos 14(a and b?) which works out 'bank interest on penalties' in last column adding quite a bit onto my claim before I file at court. I only go for statutory as I couldn't get my head round contractual 100%. Now I'm curious so off to Vamp's chambers to see what I will be claiming when I get to court. All the very best with your claim, Sally

 

 

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Thanx very much for that sally i shall be sending SAR to credit card,

Hi I had a claim with the Halifax going for 2 months, they paid the full amount into my account today £5635.05.

N1 filed 23rd May 2007

Deemed served 25th may 2007

Acknowledged 1st June 2007

Keep on fighting and you will get it.

Heres some helpful numbers 01422 391096 or email

[email protected]

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Hi Sally

 

Just caught up with your own thread. Incidently I am also on a payment arrangement through CCCS which includes the Halifax credit card. Assuming you are keeping up the monthly payment to CCCS, there is no way they should have issued a default notice.

 

Have you had any response to LBA?

In my own case, knowing they would never meet the deadline, I gave them a couple of extra weeks and then made a chasing phone call which seemed to do the trick - xtra patience for xtra money!

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Yes, today. It just says I am not going to have the charges refunded as they were applied as per my original agreement. Quick turnaround - I only wrote on the 19th. I will just have to check they have not defaulted me and proceed to court then. I had kept up the payments via the cccs but apparently the arrangement should have been reviewed sometime in the last few months. News to me.

 

 

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Thanks Brett. Wonder why I need a review then. They probably do a spot check now and then. Whe this postal strike is over I have a second request going off for all data going back to the year dot - well as long as they have records for that is. The cccs will be very happy for me.

 

 

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  • 2 weeks later...

Can I throw my toy out of the crib then!!! Just used the rejection letter offering them 10 days to settle. BUT I WANT MY 8%. Still, fair play and all that. Hope they don't settle. If they do offer to but refuse to remove default notice can I still proceed to court as this is one of my conditions? Seems fair to me.

 

 

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Dont worry Sally,

The chances of them settleing as you know is small, so then you go all the way...:D

 

Have a read of Doos cap one thread, she has had her default removed, and she has taken it all the way.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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As a 'goodwill gesture' they have offered me half what I am claiming. Just like the currant a/c then. Rejection letter going in post tomorrow. Will be filing at court next week.
hi sally nice to here from you again !

They did the same thing to me last week and offered me half of what i was claiming and before i could know the money was in my account , i then phoned them straight away and told them to take it back .mentioning to them that i have started court proceedings, and written a rejection letter. Then they changed and said that was a part payment so eh! i have a feeling they are loosing the plot!

I M just waiting for them now !:twisted:

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You're a hard woman ND. Remind me not to cross you - ever!!!

 

Thanks SSL. I had completely forgotten about Doo's cap one thread. Will look it up later. 'Course they won't settle.

 

All this lovely rain and what am I doing in the garden? Digging up and removing bog garden 'cos it got too dry last year and creating lavender garden in it's place. Bog garden going at the bottom of the garden where it is shady. Should I ask Monty Don's advice do you think? I still think the planet is warming up so there.

 

2 of the kittens went to one good home and I only have 2 adults and 2 kittens now which makes the food bill much better. They all get on well too.

 

 

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Hello again Sallly

I was in exactly the same position as you, with the initial half offer on credit card having previously had a full settlement on the bank account.

I made a specific point in the rejection letter of stating the precedence of a full settlement from their brothers in banking (quoting the account and settlement reference) and expecting similar treatment on the credit card front.

This did the trick and they coughed up a full settlement, although admittedly it was some way past the deadline stated in the letter and I was hovering on MCOL. I did the same with MBNA with the same result, saying my son had previously received a full settlement.

The 8% interest can be quite chunky if some of the charges go back awhile so my advice would be stick to the deadline, knowing Halifax hav'nt a chance of making it, and go for court!

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Thanks Brett. I have another claim going through for currant account so I might use the strategy you have employed when it has been served next week. Could do with some extra for summer holidays.

 

Not used to this early start. My youngest has gone off to France for the day with school and I have to pick her up around midnight.

 

 

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  • 2 weeks later...

Filing at court tomorrow - and this time I remembered to ask for default to be removed in my POC. Another one to bite the dust then. Strange to realise I sent off for data last November, but what with other things in the pipeline and issuing 'bouncing cheque' it has taken this long. Note to self - read 'Doo's cap one' thread

 

 

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Hi Sally, have finished my cap one claim now, think I have taken it as far as I can BUT got default removed plus the late markers on my credit file, it all shows a lovely row of 0's now, in my POC as well as asking for default removal I also asked for all negative info to be removed. Good luck, I will be watching, just stay firm and don't accept funds till they confirm they will remove default.:D

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Hiya guys!!:D

 

Looking at this page is like looking at the old threads. :D

 

Doo did you get your last £100 back??

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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No, Cap One in no-uncertain terms told me that the £200 GOGW more than covered this. Just did not think it was worth carrying on with - a big part of my decision was also that my local court send claims to Southend which is quite a way away from here - not worth the hassle. Anyway, I now have Barclaycard and Abbey to fight lol :D

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So your gonna be around for a while yet!!

 

I have an abbey one my freind just asked me to do. She got as far as court and part payment, and panicked!!,

Oh well, just add it to the pile...*sigh*

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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