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Halifax issued a default notice when a/c in dispute

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I have issued the N1 claim form against Halifax. Today they have issued me with a DN. On the POC it doesnt mention removal of any default so I am wondering what is the best way to remove this default. I had sent Halifax the account in dispute but they wrote back saying they could still add charges (I do have an o/d with them) under the t&c. So not sure what to do next? Any help would be appreciated.

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A DN only becomes a default if you don't remedy within the given timescale.


Steven

 

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Thanks for the reply. What I am wondering is can they issue a DN when the account is in dispute? I have issued the N1 claim for charges and interest and whereas part of the £105 they want now if for the monthly o/d charges they have also added two further charges. Would I just pay what they are asking and add the two charges to my claim if that is easier?

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Not sure what to do next. I have received a DN from Halifax even though the account is in dispute. They have today sent me a termination notice again even though they said in the DN that I had until the 28th August to remedy the default? What would be the next move any help would be really appreicated. I must admit when I have claimed charges off them in 2006 I did not pay any o/d charges until the claim was sorted but this time they are demanding £105 is that correct? Can they also issue a default and terminate the account when it is in dispute. I have written and told them (the letter in dispute) but they have ignored it.

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can you scan the default notice and post it up here

 

ida x


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So they have issued a termination notice BEFORE the remedy date of the Default notice has expired ?.


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes it says on the DN 28th August to remedy it but they have already issued a TN and the account is in dispute anyway for bank charges. Dont know what I should do next. Shoudl I pay them the DN amount which is partly for the o/d charges.Although when I issued a claim against them in 2006 I never paid anything into my account to cover o/d charges so cannot understand what has changed.

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Any thoughts anyone?

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Can anyone help please.

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Halifax have sent me a DN and TN and the DN didnt give enough time to remedy. I am at the AQ stage for charges of £900 and their default is requesting £108 which again is recent charges as I can no longer use the terminated account. I have received a letter from a dca today. Should I send them a letter any suggestions which one? Or should I just wait for it all to come to court but I am a bit sick of the dca contacting me by phone and letter. Any suggestions folks?

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You should write to the DCA advising the account is in dispute and at present in litigation. If you have a claim number, put that in the header of the letter along with the account references:D

 

You could send the following letter re the telephone calls.. should make them back off.

 

http://www.consumerforums.com/resources/templates-library/52-harassment/133-formal-notice-of-telephone-recording

 

HTH


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you.

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I have sent my AQ and draft order for directions. I am not sure what I need to send to the court and halifax. I am okay with a) b) but not c) It says a 'statement of evidence' on the directions. Can anyone please help me with that.

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Can anyone help please.

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Can anyone help please.

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A statement of evidence is basically an outline of your case with all the evidence (documents, sections of statutes, case law) included.


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Thanks Steven.

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There is an example in the bank templates library (http://www.consumerforums.com/resources/templates-library/48-bank-templates/137-lloyds-witness-statement-) - the details are not relevant to your case but it gives an adiea about the layout and level of content


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Brilliant.

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