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    • But when you perform your Stat Dec the earlier convictions will be expunged (as if they had never happened) and the sentences handed down for them are revoked. Any convictions and sentences which follow after that will occur on whatever date they are handed down and so can be appealed up to 21 days after that date.. There is simply no need for an appeal against them to be lodged at this stage. If nothing else, you do not know what you will be convicted of.   If that has what he's told you I believe he is misleading you. Magistrates are not simply waiting in court for people to turn up to make SDs. As I said earlier, most courts provide appointment dates specifically for Stat Decs and, in the areas I know about it is unusual at present to get a date shorter than three or four weeks hence. Then you really need to speak to the solicitor to find out exactly what the hearing he has arranged is for, because until you perform your stat dec your current convictions remain and the charges cannot be put to you again (so providing you with the opportunity to offer the "deal").. This is really such a straightforward matter and I don't know why the solicitor is making it appear far more complex than it is. I would never suggest you ignore his advice, but you really need to find out and understand what his advice is seeking to achieve and how it will achieve it.  
    • Thanks, FTMDave; I appreciate you looking into this. I'm going to draft an email to the new CEO, [email protected]. Looney got thrown out for not declaring "relationships in the workplace." 🍆 😉
    • Well, a letter of claim has arrived as predicted. Will be following dx100uk post and use your PAP reply form instead of the one they have sent. I have a couple of questions, do I send the CCA request to Cabot or to Mortimer Clarke? What should I state as the reason? I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.  
    • You pushed me to look at all our MET cases going back till June 2014.  That's 10 years so at that point I got sick & stopped! MET have never, ever taken a Cagger as far as a court hearing in all that time. As scribbled above, they have issued court papers a few times but have always bottled before the hearing. In one exceptional case the motorist didn't even have to defend - the judge chucked out the case due to rubbish Particulars of Claim. Sadly in two cases MET got a judgment because the motorist didn't file a defence to the claim.  But in one of the cases MET still didn't get their money as the person said he was elderly, didn't need credit and would rather put up with a CCJ than pay MET! So that's who you're dealing with - paper tigers.  They do court in maybe 5% of cases but even then bottle before it gets to a hearing. Anyway, let's see what writing to BP produces.
    • Any update here? MET started a court case recently against a Cagger concerning this very site and EV charging - and then bottled it and discontinued the case before the hearing. It would be useful for others to know what happened in your case.
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Grrrr Evil Halifax!!!!


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HEY ALL,

AS A NEWCOMER HERE I FIRSTLY SAY HI ALL, AND PLEASE PLEASE HELP ME!!!

I WAS DIRECTED TO THIS SITE BY THE STUDENT ADVICE CENTRE AT MY UNIVERSITY. I HAVE BEEN HAVING MAJOR PROBLEMS WITH HALIFAX, BOTH WITH MY NORMAL ACCOUNT AND WITH MY CREDIT CARD. I HAVE READ A LITTLE THROUGH THE POSTINGS AND HAVE FOUND IT HELPFUL, BUT NOT QUITE SURE ON WHAT I SHOULD DO NEXT.

 

A LITTLE BIT ABOUT MYSELF.

:shock: I AM A STUDENT NURSE, ON A NHS BURSERY, WHICH MEANS I DONT GET A STUDENT LOAN, AND HAVE BEEN 'SURVIVING' ON ABOUT £5500 A YEAR. I AM AT THE END OF MY COURSE, SO A JOB WITH MONEY IS IN SITE!!! ANYWAY;

 

 

PROBLEM ONE,

 

HALIFAX STUDENT BANK ACCOUNT

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Hi & Welcome, I also joined this site yesterday and found reading the FAQ section and all around it along with the forum relating to your bank ie Halifax helped a great deal......

 

I've even started mine now, take a deep breath, and get ready to take control

 

Now grab a cup of coffee or Tea and read, read, read.....all will become clearer - I promise. :)

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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HEY ALL,

AS A NEWCOMER HERE I FIRSTLY SAY HI ALL, AND PLEASE PLEASE HELP ME!!!

I WAS DIRECTED TO THIS SITE BY THE STUDENT ADVICE CENTRE AT MY UNIVERSITY. I HAVE BEEN HAVING MAJOR PROBLEMS WITH HALIFAX, BOTH WITH MY NORMAL ACCOUNT AND WITH MY CREDIT CARD. I HAVE READ A LITTLE THROUGH THE POSTINGS AND HAVE FOUND IT HELPFUL, BUT NOT QUITE SURE ON WHAT I SHOULD DO NEXT.

 

A LITTLE BIT ABOUT MYSELF.

:shock: I AM A STUDENT NURSE, ON A NHS BURSERY, WHICH MEANS I DONT GET A STUDENT LOAN, AND HAVE BEEN 'SURVIVING' ON ABOUT £5500 A YEAR. I AM AT THE END OF MY COURSE, SO A JOB WITH MONEY IS IN SITE!!! ANYWAY;

 

 

PROBLEM ONE,

 

HALIFAX STUDENT BANK ACCOUNT

ON THIS ACCOUNT I HAVE A £2000 OVERDRAFT FACILTY, ON WHICH I HIT EVERY MONTH. IF I GO OVER THIS (WHICH SEEMS TO HAPPEN QUITE ALOT!!!) I GET CHARGED, AND THEN THE CHARGE COMES OUT THE NEXT MONTH, WHICH PUTS ME BACK OVER MY OVERDRAFT, SO I GET CHARGED AGAIN. THIS IS A VICIOUS CIRCLE IN WHICH I DONT SEEM TO BE ABLE TO GET OUT OF. THEY JUST SAY THEY CANT DO ANYTHING IN MY LOCAL BRANCH. I DONT KNOW WHERE TO GO NEXT. THE LADY AT STUDENT SERVICES HAS BEEN BRILLIANT, BUT EVEN SHE CANT HELP!!!

 

PROBLEM 2

 

HALIFAX CREDIT CARD.

I WAS SOLD THIS WHEN I OPENED MY STUDENT ACCOUNT, TO START WITH IT WAS A GREAT HELP, THEN THEY STARTED CHARGING ME LATE FEE'S, AND CHARGING ME TILL I WENT OVER MY LIMIT AND THEN I COULD NOT AFFORD TO PAY BACK THE AMOUNT IN WHICH THEY WERE ASKING ME. I WAS PAYING BACK ABOUT £40 A MONTH QUITE HAPPILY, UNITL THEY STARTED ASKING ME FOR MORE, THEN THEY CHAGNED DIRECT DEBIT DATE TILL END OF MY WORKING MONTH, SO I HAD NO MONEY TO PAY WITH. AFTER THAT IT JUST SPIRALLED. THE LADY I HAD SPOKEN TO AT UNIVERSITY HAD HELPED TO START. HALIFAX REFUSED TO CUT INTEREST RATE, OR MAY AN ARRAGEMENT TO PAY, OR HELP ME IN ANY WAY. I ONLY SAW A WAY OUT IN LETTING MY ACCOUNT FALL INTO DEFAULT. HOWEVER THEY RANG ME THIS MONTH, ASKING ME WHAT I WAS GOING TO DO ABOUT MY DEBT, WHY HADN'T I ASKED FOR HELP ETC, GENERALLY BEING RUDE, THEN THEY ASKED WHY I HADN'T TRIED TO MAKE A PAY ARRAGEMENT. I TOLD THEM THAT ONE OF THEIR ADVISORS HAD TOLD ME I COULDN'T. THEN THEY TOLD ME THAT AN ADVISOR THAT THEY HAD WROTE ONTO MY ACCOUNT DEATAILS, THAT THIS HAD ALREADY BEEN OFFERED IF I SENT THEM A FINANCAIL STATEMENT THING FROM CITIZENS ADVICE. SO I AM BACK AT SQUARE ONE, CHASING HALIFAX... AGAIN.

 

SORRY FOR THE LONG POST. BUT I AM GETTING TO THE END OF MY TETHER WITH HALIFAX. AND I DONT KNOW WHAT TO DO NEXT!!!

 

GINA :confused:

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yes it does take a while, spend lots of time in the library on this site, it is full of useful info, make sure you understand the process before sending out letters, from what i gather it is imperative that the process is followed to the letter so to speak good luck

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I've pointed what you should do on your other thread......it will be Ok, just take it one step at a time and read the good news threads, that will be you soon.

 

Oh and if you could turn your caps lock off I'd be grateful, it's hard to read, and in the online world considered shouting. - Ta. :)

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Welcome, Im in the same boat too I have just sent my prelim letter today, and once I have sorted out the bank I will be onto them Re my CC, good luck with your claim and keep us all posted this is a fantastic site and the guys here all want to help, keep it up and dont get to dispondant, you will win in the end!!!

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Huge problem with many of them......I'm just attacking Halifax first. :lol:

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Apparently the halifax (and this is only what I have read on the forum) is the pussycat of the banking world, you watch now Im really going to get screwed over by the halifax, from what I have read the is a major problem with all of the banks........what we really need (and this is only my opinion and does count for anything) is an actual court case so that the flood gates can be well and truly blown open and expose these bankers to a whirlwind of complaints and legal action!!!

Just my opinion you understand!!!

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Well don't vote me for the court case.......I've got enough to do, I'll just have the money before it gets to court thanks. :lol:

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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yeah, someone really needs to stand up to them!!! i just cant believe how much they do screw you over, and then they try to get you to use a debt advice company that they pay for??!!! now thats not being biased is it? and they told me to ignore the advice i was already being given, and has worked well so far! dont know what i would of done if it wasn't for the student advice team at uni!

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Advice is there to be taken or ignored, if you ask me take it every time, and if it doesnt work try something else at least you can turn round and say that you did try!

The cccs (consumer credit councilling service) are great apparently they are a charity and their help is free, their number is on Martin Lewis' site check it out guys, my sister says they have worked wonders for her, and I have also advised her to check out this site, my next step is the cccs.

I will volunteer to go to court and fight them face to face if need be..........I hate injustice, this is going to be my own personal crusade against the bankers, if (when) I win a donation to the forum is on it's way!!!!

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THREADS MERGED

 

Please stick to one thread per claim.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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i just wish i had found out about this site earlier. could of saved myself from the financial mess i am in now. but at least i am trying to sort it. i know lots of people who just stick their heads in the and and ignore their problems. just printed out the step by step instructions, and data letter thing. gotta get it all sorted.

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i just wish i had found out about this site earlier. could of saved myself from the financial mess i am in now. but at least i am trying to sort it. i know lots of people who just stick their heads in the and and ignore their problems. just printed out the step by step instructions, and data letter thing. gotta get it all sorted.

 

Good for you. :)

 

Don't forget there is light at the end of the tunnel, you never know by the time this is finished you'll either not be in debt as much as you were, or you'll be clear.

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

Link to post
Share on other sites

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